23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HOPE THIS LETTER FINDS YOU WELL. 

I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. 1. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. 2. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN 72 HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX THANK YOU
Product: Checking or savings account

I am a XXXX yr old XXXX veteran. I was having financial difficulties in XXXX and Navy FCU withdrew about {$6.00} from my savings to pay part of my credit card debt without my authorization. I closed the account and complained about it. I was in XXXXXXXX XXXX XXXX  and they just brushed it off. I know this sounds petty but it is the principle of the matter as they take advantage of their customers. I was a customer of NFCU since XXXX and my financial problems were caused by numerous job losses and medical bills.
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 Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I'm the Consumer. I have the right to make sure my private information isn't shared which is stated by 15 USC 6801 which says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX don't have my consent to furnish this information and they certainly do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " The consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

Ive tried to notify the credit consulting department since the month of XXXX that Ive kept seeing these multiple inaccurate and misleading accounts on my credit report. Until now, Im still seeing the same items on my files. I need it to be corrected and have these accounts below to be automatically removed. 

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
Product: Bank account or service

I was and had been in need of some funds for substantial needs of food and bills. I had been looking for a loan online and several financial institutions. However, due to my income that has and only consisted of Social Security XXXX Benefits because of my XXXX that XXXX each year as I get older. After already dealing with a type of scam previously, I am very cautious about certain possible felonious offers for any assistance. So that being said, I received an email from US FastCash loan services which by the email was endorsed by the XXXX and another prevalent business. The email offered me an approved loan of {$7000.00} with a 28 month term and a {$270.00} monthly payment ( I still have this email saved for future reference ). After calling and trying to get these much needed funds, I was asked for my account routing and account number for them to deduct the 275 monthly payment due ( this did n't raise any flags for me due to the fact that I have given this same information before to companies to pay for other items I have purchased and any borrowed funds from previous short term loans for a bill or cash for necessities. After never receiving any funds and my bank account balances at XXXX XXXX XXXX began to change, not to mention my Checking Account had a balance of $ XXXX, I called my bank to be informed that they intentionally made that my balance on purpose so I would contact them to question this ridiculous transaction. I explained what I had done ( in all actuality, they knew I was trying to get a short term loan deposited ). I was immediately informed that my account was being closed for giving a company my account and routing number. I tried to explain I 've gave this information out before in order order to pay my bills. This was my only account and the only way for me to receive my Social Security XXXX Benefits which is my only means of income due to the XXXX effects of XXXX I deal with on a daily basis. The closure of my account caused my XXXX benefits to be delayed, which caused a snowball effect of the payment of my monthly bills bills needed to survive including rent, water, power, groceries, doctor appointments and medications just to name a few. I do n't feel that the decision to close my account was called for and I was never given the option of closing the vulnerable account for a new one so I could receive my benefits and condolences was never ever expressed to me as a victim. I WAS THE VICTIM OF THIS FRAUDULENT SCHEME. I was made to feel like it was all my fault. It was very unfair, detrimental, and has caused me a lot of pain and suffering. I do n't know the laws very well within the financial institutions,, but I know I was n't treated fairly or respectfully and honestly I feel some legal or procedural actions from XXXX XXXX XXXX were broken and violated. I was violated not only by by the bank but the scam as well. I hope there is a way of getting the original email sent to you for my complaint. Please let me know how I can get the email offer to you from US FASTCASH. 

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

I once more requested that the false information that had been removed by another credit reporting agency after it was shown to be false be corrected. Credit Bureaus have disrespected FCRA standards and my request for verification because of your lack of response, or your frivolous response, in my opinion. I have to update my records and fix mistakes made by credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX ( XX/XX/2019 ). 
XXXX XXXX XXXX Dealer Financ ( XX/XX/2019 ). 
XXXX XXXX ( XX/XX/2019 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

applied for a construction loan with XXXX XXXX  XXXX in XXXX of 2019. On XX/XX/XXXX they sent me an offer that I agreed to. I them sent them over {$900.00} for application fee, and appraisal fee. The appraisal came back on XX/XX/XXXX and Normandy sent me a commitment package and asked me to pay another fee. In that package was a new draw schedule that didnt match the one I agreed to. original draw had an amount of {$40000.00} at closing, now that was reduced to {$13000.00}. this wont work and I would not have agreed and sent them any money. I told them this and they offered to raise my loan amount to give me a larger draw. Payments would then be higher then what i want to pay. All im asking for is my money back, not to mention they have put me behind over a month on finishing me home. I will send copies of both draw schedules.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L. 
115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXX XXXX XXXX  {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report.

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : - XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. 

I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit card

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

CITICARDS CBNA # XXXX
Product: Checking or savings account

I filed a claim with Navy federal for unauthorized transaction that I noticed in my account. On XX/XX/XXXX then I spotted additional charges on XX/XX/XXXX so I called to add those charges to the claim I was told that I would have to create a new claim but they will notate the account that the new claim goes with the existing claim. Same fraudulent transaction from the same entity done on different days. Well they just approved the first claim and found that it was valid but denied the second claim. The same fraudulent activity that went on with the first claim went on with the second claim they denied as well. I would like for my second claim to be validated and the money returned to me.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Mortgage

Mr cooper loans is our new servicer They keep calling us with solicitation we have asked repeatedly to be removed from any solicitation calls and they keep calling us XXXX times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information for my XXXX account XX/XX/22 never been late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested XXXX to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.