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

In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Equifax. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Equifax - Inquiries to be investigated : 1. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX Note : This should have been a soft inquiry as an existing customer. Please correct per FCRA. 

2. XX/XX/XXXX EQUIFAX  MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX EQUIFAX  MORTGAGE   SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Note : Above, Items 2 and 3 from Equifax Mortgages are duplicates and only one ( 1 ) hard pull from XXXX XXXX XXXX XXXX was authorized. Please correct per FCRA. 

4. XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Note : Above, As a previous customer of XXXX, I was told they did not need to do a hard inquiry. I did NOT authorize this hard inquiry. Please investigate and correct per FCRA. 

5. XX/XX/XXXX XXXX  - CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX Note : Above, I do not recognize during that time frame authorizing XXXX  to do a hard credit inquiry. Please investigate per FCRA. 

6. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, VA XXXX Note : Above, XXXX XXXX should only have completed a soft pull per the representative when I inquired about a credit line increase. AN error was made, this should be removed per FCRA. 

7. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX Note : Above, I do not recognize authorizing this hard inquiry. Please investigate per FCRA. 

8. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX Note : This is a duplicate inquiry and was not authorized. Please investigate per FCRA. 

9. XX/XX/XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX Note : Above, I do not recall providing authorization for a Hard inquiry at this date for XXXX. Please investigate per FCRA. 


Note : Above, I do not recognize Equifax and do not believe I gave them authorization. Please investigate per FCRA and provide written evidence or remove. 

Thank you, XXXX XXXX XXXX XXXX  ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed through this page. The 2 Capital One accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.
Product: Vehicle loan or lease

Turned in leased vehicle XX/XX/XXXX to XXXX dealer as per contract requirements. Completed pre inspection and called to inform GM report was incorrect plus also shared with GM would be reinstalling all original tires before lease end. GM assured me on several calls that car would be inspected by dealer once turned in and thus the PRE inspection report did not apply. XX/XX/XXXX GM sent regular mail final detailed bill dated XX/XX/XXXX with charges based on preinspection report and requested payment of {$1200.00} of which {$810.00} was for tires. Repeated calls, emails, faxes, online requests and certified letters to GM did not yield any new inspection reports, bill details even though GM altered the amount due after my final payment as per contract sent on XX/XX/XXXX. Spoke to GM several times about charges and shared that car was for sale at dealer in XXXX. XXXX XXXX and pictures showed all tires were original and they could investigate themselves instead of relying on incorrect preinspection report. An email XXXX XXXX fGM sent from online inquiry stated " We do go by the report made prior to returning the vehicle. There is no other inspection after the vehicle is returned. '' which of course is counter to everything they has told me in the previous 4 months discussion about turn in process. Still get several calls per week from GM Financial requesting payment but when I ask for detailed bill plus inspection report, they say not allowed to send anything to document charges, also online account access has no statements or bills available only amount due. GM has reported this undocumented amount to credit bureau for late payment
Product: Debt collection

The company promised to email agreement via email which included if settled, the collection would not be reported to collection agencies. All conversations are recorded. 

Email was not received and the collection is now on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax, XXXX, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

Equifax, XXXX and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.
Product: Checking or savings account

On XX/XX/XXXX, I encountered issues logging into my bank app. Shortly thereafter, I received an email notification stating that my bank account, specifically the check account, was slated for closure by Chase Bank due to suspicious activity. Subsequently, around XX/XX/XXXX, my bank account was indeed closed, with an estimated timeframe of receiving a check within 10 business days, or by XX/XX/XXXX. 

As of today, XX/XX/XXXX, despite numerous attempts to contact the bank via phone, I have received no resolution or updates regarding my situation. Chase has not indicated any intention to return the funds held in my account. It's crucial to note that my account contains my salary, which I rely on for rent payments and credit card obligations. The impact on my daily life has been substantial. 

I am reaching out in the hope that you can assist me in resolving this matter promptly. Your intervention in communicating with Chase Bank on my behalf would be greatly appreciated.
Product: Debt collection

I have directly attempted to resolve this matter directly with this company, however they have continued to ignore my correspondence while they violate federal laws. LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I purchased 2 tickets from a seller on XXXX. The seller called me and texted me all the details for payment. I paid through PayPal using my bank account but Paypal will not dispute the transaction because it was not sent " goods or services '' I'm not sure why it went through PayPal that way. I received the tickets via XXXX  and upon arrival at the concert the tickets would not scan. Customer service at the concert informed me that the tickets were flagged in the system for fraudulent activity. Subsequent calls and texts to the seller went unanswered.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. The following inquiries must be removed from my credit report : XXXX XXXX  || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX  || Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to XXXX XXXX at Equifax Fraud Department today. I spoke to Equifax last time on XX/XX/2023, Equifax have promised me to fix the errors on the credit profile, yet they did not correct all of the information. Instead they choose to put information which does not belong to me, this has decreased my credit score by XXXX points since the last update. 

I called Equifax this morning and spoke to XXXX XXXX and explained him the issue. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. I did speak to Manager/Supervisor, after XXXX minutes on the call, the call was disconnected. 

I was a victim of an identity theft, this was explained to Equifax in XXXX XXXX, 2023 and also sent them paperwork to this affect. Yet Equifax choose not to correct any if the inaccurate information. Ironically Equifax even closed my online disputes from XX/XX/XXXX and XX/XX/2023 without correcting the information. This is causing a lot of stress on my financially and mentally.
Product: Payday loan, title loan, personal loan, or advance loan

I needed a little bit of money to help cover rent. Uprova was offering me {$1200.00} loan receiving the money right away. I was on the phone with them while signing for the loan and they were explaining the contract but did not explain that interest was 540 % or that I would be paying {$240.00} for every two weeks for 18 payments. I would never sign a loan knowing that information. I am in a financial hardship due to school and living on my own and struggling to make payments. I tried to ask them if I could pay less each month, or change the days that the loan hits because I was going negative every time it hit. They said if I wanted to change days ( still twice a month ) the payment would go from {$240.00} to {$270.00}. I didn't understand how that made any sense and they wouldn't explain it to me. So right now I am paying {$240.00} every two weeks. I have made 6 payments already which is {$1400.00} and I still have 12 payments of that {$240.00} left before I finish and that feels illegal to me.
Product: Debt collection

Sent 609 Letter to request actual verification, original signed contracts, verification of ability to collect debt and so own. This was not provided and is a violation of federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : 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 XXXX XXXX XXXX
Product: Credit card or prepaid card

someone charged my credit card twice at XXXX XXXX using phone number and email address that arent mine. Both orders were placed online but I have not gone into XXXX XXXX in more than 3 years or so. 

Supposedly, one of the item was delivered next day to my address ( which I did not receive ) and the other item was picked up in XXXX, which I also have not gone into. Also, while the delivery address may look like my house, theyre missing the apartment number! ( Which fraud people wouldnt know about ) Its driving me crazy since they are saying I purchased these items and charged my card over {$700.00} dollars and THEY ARE NOT MY PURCHASES! 

I have been with Bank of America for 26 years. Why would I lie?
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccurate information regarding reporting, incorrect amounts, and incorrect dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

As of XX/XX/2020 I have been having trouble with my prepaid edd debit card account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not credited the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to. I contacted bank of america on several occasions and I was told that the account balance is right and the amount that is being displayed is correct. I attempted to contact the bank claims department and they told me that they had not made any mistake and they said edd took the benefits back. I contacted the edd and they said that they would not have taken any of the benefits disbursement back. I tried to contact the claims department once again and I was told that the account was frozen and it was under fraud case. I spoke to the fraud department and was cleared by them and I was transferred back to the claims department and was told that the account was going to have an open claim for the unauthorized access and I was sent a letter stating that the findings of the investigation are correct and the charges to the account are correct. I attempted to contact the claims department and was unable to get in contact with the claims department yet, I am going to be out on the streets because of the money that has been taken from my account. I have a son that is depending on me to make sure he has a roof over his head and this is putting that in jeopardy. The overall sum of XXXX dollars have been removed from my account since XX/XX/2020, and there are some transactions that are not made by myself as well. I am a single mother and I have no other means of supporting my son, all I am asking for is to have the funds that were taken out of the account replaced.
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 Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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

I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn't do it they said they don't give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments
Product: Credit card or prepaid card

XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect employers on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Product: Credit card or prepaid card

I used my American Express XXXX  card to book a hotel. The reason why I used this specific card is because I wanted to make use of their {$200.00} hotel credit. After booking through American Expresss travel website, using my XXXX  card throughout the entire process, I was informed that somehow I marked that I would rather pay for the hotel later than upfront ( which is something I have never done before in my life ). Because of this marking that I paid later instead of when I made the booking, I was ineligible for the credit. I tried to resolve this with Amex but they transferred be 8 times and I have been on hold for 1.5 hours. The entire call length is currently 2 hours and 15 mins.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous addresses and employers that are incorrect on my report. I have asked tha t they be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for XXXX chase XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
XXXX XXXX  card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes