23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX and XXXX XXXXT
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 


Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3400.00XXXX XXXX XXXX XXXX Balance : {$2400.00XXXX XXXX  XXXX XXXX Balance : {$9900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with XXXX Bank listed on my credit report. On XX/XX/XXXX, I reviewed my Experian credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with Experian. I was directed to a phone number to speak with a representative which was someone at Experian. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, Experian and XXXX.
Product: Mortgage

I applied for assistance with my lender. I was informed that my payments would not show as late on my credit report if I applied and got approved for the assistance. XXXX I add that I have never been late on my loan. They approved my assistance. I was told by a representative the month of XXXX that as long as I made the full payment by the end of the month it wouldn't be reported late. It is not reported late till after 30 days of not making the full payment. I paid it in 22 days. I paid the full amount by the XXXX of XXXX. They reported it late on my credit report. The representative when I called stated that they where going to put in a request to get it fixed. They stated they declined my request due to me paying late. So the representative was misleading in the Mortgage Assistance hotline. I did everything they told me to do. Now they are back tracking on what they said that their policy was. I submitted emails of the credit reporting agency 's that reported it late to the lender so they could fix it on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I never use the services and I owe a debt that I never used it. They have been
Product: Credit card or prepaid card

Credit karma was sending me preapproval advertisement to help increase my credit score multiple times within the past years. I sent several emails to customer service about the pre approval being denied. It not only denies me it set my score back down from pulling inquiries. It was a roller coaster of my score going up and down due to this.
Product: Checking or savings account

I never opened a bank of American account my identity was stolen and now since who ever took my identity it wont let me open an bank of American checking account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not, furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Safe Rent Solutions denied my application for housing without running a complete and accurate report. Under the FCRA protections for Identity Theft Victims, no company is allowed to obtain a frozen credit report file without calling me to verify. 

I do not know what information was provided, I do not know if Safe Rent Solutions knows if they provided accuracy information. 

I tired calling to obtain a copy of my credit file. However was told I would have to provide my social security number, date of birth, address, phone number and answer security questions. This is not ok by me nor is it permissible under FCRA. 

Furthermore, upon Investigation of this company, whom which is according to the XXXX Safe Rent is a Non Accredited Business and under a major discrimination class act settlement. Specifically pertaining to denying minorities with housing vouchers credit screening. Ironically, I am a XXXX XXXX  with an Emergency Housing Voucher specifically for XXXX XXXXXXXX Victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my COMENITY BANK/VICTORIA SECRET credit card ending in XXXX. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX XXXX XXXX, and COMENITY BANK/VICTORIA SECRET are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life. 

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Product: Credit reporting

Experian refused to provide my free annual credit report. I complained after I received the refusal letter. I got a second letter. In order to complain to Experian directly one needs to have the report in-hand. Without it there is no resolution to be had. The second refusal letter falsely states " The address you provided has never been reported to us. '' This is a lie. And I can prove it. I want my free report. No more letters of refusal. My address is the same one Experian has had since 1981. It has never changed. Same one they mailed both refusal letters to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>, XX/XX/year>. I have attached a copy of the identity theft police report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sezzle reported me to the credit bureau for late payments for a product that I ordered which affected my credit. They have canceled my order because I have not gotten the product that I ordered since XX/XX/2022. I have talked with them through live chat in their website sezzle.com and they kept telling me that they will give me a call which never happened. 

this is the order number from the company. This is the order that they reported me of having ( 1 ) late payment which again the ORDER got canceled because I have not received the products that I paid for. 
Order ID : XXXX
Product: Checking or savings account

Citibank In XX/XX/2020, I received a wire into my Citibank account ( {$24000.00} ). Bank froze account with no explanation and froze funds was to send a letter explaining reasons. Letter never came and I requested letter 4 times. Wire was good and I am not able to get wired funds. Bank has been very uncooperative and resistant in resolving this issue. 

another {$20000.00} was deposited with same result.
Product: Prepaid card

Having a lot of trouble with Incomm recently. Typically when a card needs to be replaced because it can't be used in person at a store due to " security '' protections they will issue a replacement card. Often this requires multiple follow-ups as sometimes only some of the cards come in the mail and then its difficult to determine which card replaces which. 

This most recent experience has been even worse. I had to send documentation to incomm for replacement cards. The time frame for review is excessive and in the past it has even taken upwards of 30 days for a repsonse thus I am opening this complaint. 

Please replace the cards ASAP. I am attaching receipts for reference and have already emailed incomm the other documentation. 

Email sent : XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to chdocuments Please send replacements card for both to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attaching documentation including receipts, id, proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain a refi cash out with XXXX XXXX XXXX I have a credit freeze & I lifted this freeze XXXX XXXX XXXX through XXXX XX/XX/2021. XXXX & XXXX responded immediately, however Equifax did not & will not lift the freeze as requested. It is noted that Equifax automatically lifted my freeze XXXX XX/XX/2021 when XXXX XXXX XXXX did so for another loan ( that loan was subsequently cancelled by me because of the lender 's bad faith actions ). I have tried to lift my freeze with Equifax online, but they say that they do not know me. I have requested my 'free ' annual credit report from Equifax XXXX but it has not been received. Can you help me? Thank you for your service.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint about XXXX handling of disputes. I have seen that CFPB is filing a lawsuit highlighting the significant issues with Zelle. I have used Zelle multiple times, and despite reporting discrepancies and reaching out for support, Zelle has failed to investigate my claims adequately. I have been unable to recover lost funds due to XXXX neglect to protect consumers.
Product: Credit reporting or other personal consumer reports

I would like for the folling inquiries that I haven't given authorization or authorization to pull my crefit file it is a direct violation of fcra to report incorrect or unauthorized inquiries on my credit file.pleasehave them removed immediately See Below Transuinion is reporting XXXX -XXXX  XXXX XXXX XXXX XXXX is reporting XXXX These inquiries need to be removed and are a direct violation and predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending my police report to Equifax at my attorney 's urging to block several fraud accounts.equifax proceeded to unblock several accounts that had been blocked and did not appear on my report.coencidentally XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all reappeared on my credit file the same exact date that XXXX XXXX XXXX and XXXX XXXX we're deleted from my report.this is illegal.XXXX XXXX XXXX XXXX and XXXX XXXX are fraud accounts and they, Equifax has proof, as does the creditors.The two collection accounts they put on my report are not even being reported by the actual collection companies.equifax is reporting these four accounts illegally and they need to be removed as they originally were!!!!
Product: Checking or savings account

on XX/XX/XXXX XXXX withdrawals were made from our account one for {$2700.00} and one for {$1300.00}, the name on our bank statement is XXXX XXXX XXXX for both withdrawals, saw that this was done when checking bank account on XX/XX/XXXX at XXXX XXXX  called Bank of America and notified them they canceled the debit card and have issued new card
Product: Credit card

Citi bank has continuously failed to provide me with the necessary documentation and verification as a response for why they believe the balance and fees are accurate. This has gone on for several months. 

It can't be accurate if they failed to process multiple full refunds. I attached one example of this as an attachment. I was advised to open this case again over the phone today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : Money Lion has violated my rights. 
Account Number : XXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality. 

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card or prepaid card

I received the response from Capital One. I have stated several times my card was stolen and it just was never properly filed. I called today Im still on the phone actually and I was told they cant dispute charges because they havent confirmed that the bank account is mine. The person who responded to my complaint just yesterday through the CFPB stated they confirmed they account is mine. My account is also not in collections I have paid the account down but since I made a complaint all of a sudden my account is over the credit limit by {$14.00}. The charges in question are from XXXX of XXXX  a XXXX charge for {$200.00}. I have a car and would never get a XXXX for {$200.00} also a XXXX  gas charge in XXXX. My wallet was stolen XX/XX/2022. I moved from XXXX  to XXXX  on XXXX XXXX. The second rep told me he was the fraud manager and they dont follow the rules of the CFPB and they couldnt file any dispute because they havent confirmed I owned the account just today. The payment in question I didnt do I have said that. I havent had access to this card since XX/XX/2022. I also didnt say I had problems with XXXX they helped me get my money back Capital one is the problem. I have paid over {$630.00} to Capital one after the card was stolen yet my balance has never been reflected or decreased.