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

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST WARNING. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Debt collection

they are trying to collect money for TD bank retail store cards. never had an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 investigate and correct for erroneous reporting in my file and 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a copy of my Equifax credit report and notice some inaccuracies, specifically a bankrupticy. Sent request for there method of verification and Equifax replied on XX/XX/XXXX with file # XXXX saying the account was verified by XXXX. Appalled by this, I went to XXXX directly to verify this information and during there investigation XXXX couldn't verify the information themselves as a result of there investigation has removed and deleted the inaccurate unverified bankruptcy on there files as of XX/XX/XXXX. As a result of the investigation XXXX disputed the information on my behalf to Equifax directly on XX/XX/XXXX and as of XX/XX/XXXX no response. So as a follow up I sent the results of the investigation XXXX letters enclosed XXXX  that the bankruptcy was unverified and has been removed from XXXX files received by Equifax on XX/XX/XXXX and responded on XX/XX/XXXX with file # XXXX stating the bankruptcy is VERIFIED as accurate and reporting correctly. How after XX/XX/XXXX can Equifax verify something that is not on XXXX files? Either they lied or never sent the information for verification to XXXX and just sent a computer generated response. Why hasn't Equifax responded to XXXX dispute on my behalf which has been over 30 days and why say something is verified when its can't be. Equifax is reporting unverified inaccurate bankruptcy on there report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, 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 Confidentiality Under 15 USC 1681 Account Name : 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: Checking or savings account

I opened a online Citibank checking account and transferred {$51000.00} from my Sole proprietary account with my same name from XXXX XXXX XXXX on XX/XX/XXXX to this new checking account. I have a credit card relationship with Citibank so I linked both accounts and after the promotion I started paying down my credit card balance with this new account. I travel internationally quite often so i tried to set up a XXXX account to transfer some of my funds back to my XXXX XXXX XXXX account. My checking account access was blocked on or around XX/XX/XXXX with a balance of {$41000.00}. I visited the branch on XX/XX/XXXX and a bank employee called the fraud department on my behalf he was told account was under review and was also told my account is being closed and funds would be sent back within 60days. I have read soo many reports of funds not being returned I want to proactively solicit your help in getting my funds back. Thank you kindly
Product: Checking or savings account

Hi my name is XXXX Every time I try to get a cash app card they say I can't get one I don't need everything they told me to do, but nothing is working.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have not gave authorization for the accounts that are listed below. Please investigate and provide proof with statements showing that I authorized these inquiries. If proof can't be provided I demand these INQUIRIES BE DELETED. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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...

( 1 ) 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 investigation ; and DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ditech sent me an escrow shortage letter. they said they were going to increase my payment do to shortage. i sent them an escrow shortage letter for the amount they stated. they cashed my ck and still raised my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Im asking is to provide true and accurate information on MY credit report. This account was closed in XX/XX/XXXX and out of spite and revenge since I have disputed many times due to incorrect information, you update it to closed on XX/XX/XXXX since you know this will harm my score and it did tremendously! The balance owed is {$0.00}! Why should I have to dispute it a 4th time?! Why cant this company just do right the 1st time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  ; Account # XXXX has violated my rights as a consumer. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

got a letter in the mail stating i owed XXXX XXXX to XXXX XXXX 2 months ago, If this is for a auto loan the auto was surrendered to the bank in XXXX. I never received notice of any debt that was owed until XXXX. I sent Jefferson Capital Systems LLC Debt Validation Letter, they responded my sending me the same statement. they did not validate the debt or showed me any of the information i asked for stated in the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Spent several hours on the phone and online on XX/XX/2018 with EQUIFAX attempting to help my XXXX year old father put a freeze on his account for security purposes. The EQUIFAX call center is in the XXXX and my father had a very difficult time understanding their English. The EQUIFAX reps refused to allow me to help him. They ask him numerous very difficult questions regarding his identity, such as his current credit card balances, old residential addresses including old zip codes, etc. When I attempted to help him answer, they refused my assistance. We finally gave up in frustration. My repeated attempts to freeze his account online were also fruitless. Each time I submitted all the information they requested I was looped to the beginning and was never able to confirm the freeze. The mail in form they directed me to has a glaring typo in the first sentence and an XXXX, Geogia address that does not match other addresses that I found for Equifax. That Address is : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ge. 
XXXX. The form I found online is entitled, EQUIFAX FREEZE REQUEST FORM. Please note the typo in the first sentence and the lack of clear instructions. I had no diffiulty in freezing my father 's accounts online with the other three major credit bureaus. Inasmuch as the geniuses in charge of EQUIFAX created this nightmare through their incredibly incompetent business practices, I would think they should be required to offer far better service. Thank you for your assistance in this matter. 
XXXX XXXX, caregiver  for my father XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX acct # XXXX Self Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness This is not my account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item appears on my credit report I have contacted the credit bureau and the creditor requesting the item be removed as it is a fraudulent account opened in my name ... .The date the account was opened I was not of legal age to even sign a contract I asked for a copy of the contract bearing my signature and it was not provided ... I believe the account may have belonged to my deceased father XXXX XXXX instead of my self XXXX XXXX ... please remove this item ASAP I have provided drivers license to show proof of age and birthdate
Product: Debt collection

Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due inadequate customer service and unfair practices, wich violate the Consumer Financial Protected Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to perven abd address fraud on their platfrom, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process war unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an account open and delinquent when in fact it is closed and current. They reported this after the due date of the card was changed. There are automatic payments being made on the XXXX of each month and the arrangement was made for this to happen for the next 60 months so why They are reporting the account as open and delinquent is a mystery. It needs to be either validated or removed from all reporting agencies.
Product: Debt or credit management

Following a routine annual XXXX  check, I was scheduled for XXXX  apt for the second year in a row at the same XXXX XXXX XXXX XXXX facility. ( In XXXX I did the XXXX  as part of this XXXX  visit and was charged extra {$550.00} which I paid since that wasnt covered by my insurance. ) Then on XX/XX/XXXX I still had the same insurance and went to another XXXX  apt . Since I declined to have the XXXX  accompanying the XXXX  ( which is what typically is done ) she had to get special approval from her supervisor and doctor on duty. They both came to the front desk to face me and clarify that I only want the XXXX  to be done. At that point I was informed of the billing responsibility for this service ( ie the XXXX XXXX code XXXX cost of {$150.00} ). 

Timeline of events : XX/XX/XXXX Date of XXXX XXXX code XXXX. Thereafter, claim submitted to my XXXX insurance and they processed and paid XXXX for service code XXXX XX/XX/XXXX I paid the remaining balance for service code XXXX which was {$36.00} confirmation # XXXX XX/XX/XXXX I started calling XXXX XXXX after billing statements from XXXX XXXX on a different letterhead were mailed to me asking for another payment of {$540.00}. XXXX XXXX phone systems disconnect me a few times after long waits. Then I called again but was transferred to 3rd party answering service without any success of reaching the facility where I had my XXXX apt . Ultimately, I was allowed to leave a VM. 
XX/XX/XXXX XX/XX/XXXX First email from facility manager received asking me to provide docs which I did. After many follow-ups, she couldnt explain what services were provided for this second {$540.00} invoice so she passed me onto XXXX XXXX billing department. Where over the past 4 months Ive communicated over phone with 2 XXXX XXXX billing representatives, had a conference call with my insurance company and one of those representatives. Plus, I emailed XXXX XXXX  billing manager who never have responded. 
All in all, I was not made aware that I have to pay for a facility charge in addition to the professional service charge. The use of a single service code for XXXX different changes from XXXX different entities is deceiving. Especially, when this provider deals with XXXX screening and patients. 

Emails and evidence of the above listed documents are available per request. XXXX XXXX has hired Progressive Management Systems to collect the {$540.00} from me, XXXX. XXXX XXXX account # XXXX which states the amount owe is : {$540.00}
Product: Payday loan, title loan, or personal loan

One Main Financial ( formerly known as Springleaf Financial ) has conveniently terminated a loan contract ( XX/XX/XXXX) that was supposed to be covered by XXXX payments through XXXX XXXX XXXX for account # XXXX. 

All required paperwork was completed and approved by my doctor, myself and XXXX from XX/XX/XXXXthrough XX/XX/XXXX. However, I just discovered that One Main Financial has recently decided to forfeit the contract and claimed that it expired although theyre at fault and have added frivolous and erroneous fees to the account. Furthermore, they have erroneously turned over the account to a collection agency. This will result in additional fees from the collection agency, ruin my credibility and credit report. 

I attempted to discuss and resolve this issue with XXXX, One Main Financial Branch Manager, however, he refused and threatened to call the police because I asked for an explanation and informed him that I intend to sue for bad business practices.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.