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

In accordance with the Fair Credit Reporting act XXXX  Account # 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, 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

I have contacted Experian to remove hard Inquiry that are fraudulent off my credit report this is damaging my credit due to fraudulent inquires which there is multiple such as XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX NA on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Received an email from affirm regarding a loan that I do not have after inquiries on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : XXXX  XXXX  XXXX upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX  XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX, I sent out multiple disputes to all XXXX bureaus. I called XXXX yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from XXXX said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all XXXX disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within XXXX weeks. 

Disputes XXXX. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have XXXX more XXXX XXXX cards that are both in good standing. 

XXXX. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have XXXX cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report. 

XXXX. Townsgate Capital Corp is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( Sage Pre-Owned ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to Townsgate Capital Corp working with a deceptive company, I would like to have them removed from my credit report. 

I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the XXXX letter won't state the updated information regarding the settlement.
Product: Debt collection

I was not notified or contacted in person about the debt. Didnt even know I owed debt as XXXX paid all the money to school and I am paying that loan back. I did quit the school due to my daughter XXXX. So as far as I knew I had no debt because I did it owe the school at the time of unregistering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX  : for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit card

I opened a Kohls credit card in XX/XX/XXXX and always made payments on time. I ordered my annual credit report XX/XX/XXXX and found that Kohls had reported they charged off a balance of $ XXXX dollars. I was never mailed notices of payment overdue from Kohls. They never contacted me to tell me that they were going to report negatively to the credit bureaus. I do not even know if these charges are truly accurate or are charges I made, I am upset at Kohls - they have single handily ruined my XXXX+ credit score, My score is now XXXX. This year I was planning on refinancing my home and Kohl has ruined my credit score. I will never shop there again, I XXXX kohls credit credit reviews and found over XXXX complaints. Something needs to be done -they are hurting working families.
Product: Debt collection

Contact was made via USPS requesting competent documentation to validate my obligation to the alleged debt pursuant to 15 USC 1692g. Discover has failed to provide adequate documentation to validate the alleged debt. Discover is refusing to allow me to exercise my rights as a consumer and is furthermore causing injury and damage to my reputation by continuing to publicly report this unverified debt via various credit reporting agencies. A cease and desist was sent via USPS informing Discover of my decision to invoke my specified remedy as a federally protected consumer pursuant 15 usc 1692 ( c ) ( 2 ), Discover has continued to communicate with me in regards to the alleged debt.
Product: Debt collection

Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. 

STILL NO PAPERWORK WITH MY SIGNATURE ON IT HAS SENT TO ME AS I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA XXXX XXXX DPT EDXXXX XX/XX/22 RE. We have disputed these accounts.
Product: Mortgage

MASSIVE DATA BREECH! NOTED IN XXXX 2016, CALLED XXXX REGARDING MULTIPLE " ACH WITHDRAWALS '' FROM PERSONAL CHECKING ACCOUNT. 
REPORTED TO CFPB BUT UNABLE TO FOLLOW UP DUE TO GLOBAL ACCOUNT TAKEOVERS. 
NOTED THIS PAST FEW WEEKS MY BE DUE TO FRAUDULENT ELECRICAL WIRING BY A SCAM ARTIST 10 YEARS AGO THAT INVOLVES MY PERSONAL AND PROFESSIONAL PRIVACY AND SECURITY. 
CASE 'DROPPED ' BY XXXX POLICE DUE TO RACIAL PROFILING. 
MASSIVE BANK FRAUD IINVOLVING 5 BANKS, FRAUDULENT TERMINATION OF EMPLOYMENT. UNABLE TO LIVE A NORMAL LIFE DUE TO PHISHING, SPOOFING AND SURROUNDED BY INTERNET THIEVES IN THE NEIGHBORHOOD. 
PLEASE HELP ME! NO ONE CARES OR GIVES A XXXX. 
FRAUDULENT BUSINESS, AWARE OF THE SCAMMERS BUT I AM POWERLESS WITHOUT THE LOCAL POLICE DEPARTMENT. 
XXXX POLICE LAUGHED AND JOKED ME. ABOUT TO WRITE TO THE XXXX XXXX TO EXPOSE THE CITY BUT THOUGHT IT WOULD MAKE ME DISAPPEAR. 
PLEASE, PLEASE HELP ME. NO WAY TO EMAIL ME THAST IS SECURE, NO SECURE PHONES EXCEPT MAYBE MY FLIP PHONE XXXX XXXX. I AM A PHYSICIAN AND DISRESPECTED, DISHONORED AND DISMISSED.
Product: Debt collection

XXXX is chasing me for a debt I have no idea about. They first made contact in 2015 calling a cell phone they didn't have permission to call. I advised the lady at the time to remove this number from there system as it was against the law for them to call me like this she responded " What do you not pay bills you rack up? We are also not going to stop calling you. '' And called 3 more times later. Fast forward to 3 months ago. I have a different number only 3 months old. They start calling again I advise the lady it is a cell phone. I don't not have any type of business with please place me on your do not call list. She says ok and hangs up. About a month ago I get two calls in one day. Both lady 's tell me because it a vaild number it will not removed from there systems I hang up. Last night I receive another one but, missed it so I call back I tell the lady on the phone again that this is a cell phone number and to please remove my number from your system she asked what my name is I tell her I'm not verifying anything stop calling this number as I have now request 4 times now. That I would be in contact with a lawyer.
Product: Credit reporting

Hello sir/mam I am an XXXX student studying full-time at XXXX, XXXX. I applied for a credit card in XXXX and it was declined. I did not know the process and applied again after 2 days which was declined as well. I had no idea this would affect my credit score as I do not have SSN. I have been trying to get my credit report but I do not have SSN so can not fill the form online. I sent a written mail but the response was no SSN provided. 
I bought a car in XXXX and paid in cash. When I got insurance for the car, I was told I am getting a higher premium because of my credit score ( FCRA ) but I never made any late payments ever and never took credit to start with. 

My name is XXXX XXXX. 
I am from XXXX, XXXX. 
My date of birth - XXXX. 
My contact no- XXXX My current address- XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
My previous address- XXXX XXXX XXXX, XXXX, XXXX , XXXX. 
Please help me out and clear any disputes my credit report might have. I would be very obliged.
Product: Credit reporting or other personal consumer reports

I did not authorize unknown Non account INQUIRIES dated XX/XX/2024 & XX/XX/2024 from XXXX XXXX XXXX. Identity theft report attached. Please no fraud alerts
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was XXXX  and XXXX  in XXXX XXXX, XXXX ( see attached official letters from the XXXX XXXX XXXX of the XXXX XXXX XXXX, the XXXX XXXX Municipal Police Report and Official XXXX Analysis showing substances found in my XXXX ), and my phone and computer were stolen which were used to fraudulently utilize my Remitly account. In association with this crime, my phone and/or computer were used by those who stole them from me to access my XXXX account, and XXXX separate UNAUTHORIZED transactions were made without my consent or knowledge. ALL TRANSACTIONS BETWEEN XX/XX/XXXX and XX/XX/year> WERE UNAUTHORIZED. 

A total of USD {$15000.00} was fraudulently transferred out of my XXXX account and XXXX has denied my claims and has not returned my money. 

These transactions have the following XXXX  reference numbers : : Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every XXXX of the above transactions was not authorized and was transacted without my consent. I request that these transactions ALL be reversed and that the money be returned to my associated bank accounts for each transaction immediately. I am submitting the attached letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as the police report from the XXXX XXXX XXXX of The Public Prosecutor in order to support my claim of fraud and unauthorized transactions. Please find attached both the original Spanish versions and the translated XXXX versions. 

Due to the unauthorized transactions listed above and listed in the attached XXXX XXXX between XX/XX/year> and XX/XX/year>, the associated bank accounts must be reimbursed for the associated amounts per transaction. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

vigo  no pay my transacion sending last XX/XX/2019 today 9 day no have resolution my problem please call vigo  the number XXXX my name XXXX XXXX mtc XXXX this money for school my grand son hi no go school wait moment vigo  no pay a my beneficiario every day call for nothing thanks
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX  XXXX ny XXXX my old addresses still appear on my report and was asked to be deleted. I provided proof of my address already
Product: Debt collection

XX/XX/2019 filed a dispute and request validation. 
have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why havent I received the forwarded copy of the investigation results from my block and delete request due to identity theft? On XX/XX/2023 TransUnion stated the following TransUnion HAS PROCESSED YOUR REQUEST AND FORWARDED A COPY OF THE INVESTIGATION RESULTS VIA USPS MAIL the companys response also stated that I would receive these results in approximately 7 business days. It is now XX/XX/2023 ALMOST 2 MONTHS and I STILL havent received anything from TransUnion. Today I checked my consumer report online and noticed TransUnion is STILL reporting this account. If my block and delete REQUEST HAS BEEN PROCESSED why is TransUnion still reporting this account? Its false and misleading! Im demanding that TransUnion delete this account immediately upon receipt of this notice.
Product: Payday loan, title loan, or personal loan

My Chapter XXXX bankruptcy was discharged on XXXX XXXX, 2017. {$2900.00} was issued by Chapter XXXX Trustee to Wells Fargo to clear my auto title. This amount was sent to the wrong address and returned to the Chapter XXXX Trustee. Now Wells Fargo will not release my vehicle title. Wells Fargo claim that they have not been paid. 

I have a copy of the Trustee 's Final Report and Account, which states Wells Fargo Financial was paid {$2800.00} plus {$150.00}. 

Can you please intervene.
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 name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 inaccurate.
Product: Vehicle loan or lease

This is a follow up from Complaint ID # : XXXX. 

Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence. 

Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. 

My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!! 

If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails. 

Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account. 

It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now? 

Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I made a complaint against Equifax since XXXX XXXX, they said they were still working on it until today XXXX XXXX nothing happens It shouldn't take two month at all my credit report have not change still the same inquiry. 
I never consented to authorize nor benefited from all Inquiries and accounts mentioned on my Identity theft repot, Block, and delete them. If I have received goods and services from the furnished Inquires and account, Equifax have one of their senior executives certify under the penalty of perjury that I did receive good and service from those transactions