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

Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, Equifax, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Product: Money transfer, virtual currency, or money service

I have the XXXX XXXX XXXX  and I was told from that app they sent my {$20.00} advance and my Chime app spending account was the recipient of that. Now I have never received that advance and im waiting but I haven't been able to confirm anything with XXXX XXXX or Chime. My XXXX XXXX XXXX  has a double request for the {$20.00} advance and I only wanted the one.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my Equifax credit report. I believe these inquiries were made without my knowledge or consent, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically Sections 604 and 605B, protects consumers from unauthorized credit inquiries and ensures that fraudulent information is promptly removed from credit reports. 

The following inquiries are fraudulent and were not initiated or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX As outlined in Section 604 of the FCRA, permissible purposes for credit inquiries require explicit consent from the consumer, or a valid application initiated by the consumer. I can confirm that I did not authorize or initiate any transactions or applications associated with these inquiries. 

Additionally, under Section 605B of the FCRA, as the victim of unauthorized credit activity, I am entitled to have these inquiries removed from my credit report without delay. I have attached the following documents to support my dispute : A copy of my government-issued ID for identity verification. 

A signed statement attesting that these inquiries were not authorized by me. 

I kindly request that you investigate this matter, delete the fraudulent inquiries from my credit report, and send me written confirmation of the removal. Furthermore, please provide me with an updated copy of my credit report reflecting these corrections. 

If you need any additional information or documentation from me to assist with your investigation, please do not hesitate to contact me directly Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Product: Credit reporting

I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter XX/XX/year> informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer XXXX  has received all federal direct stafford subsidized and direct stafford unsubsidized loans. XX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through fort hays, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and Experian. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 


My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Product: Debt collection

I dont owe phone carriers and they are reporting false charges and reporting false payments made by me to keep the account current in my credit report. I need these false debtors to remove these items out of my credit report so that I can buy my XXXX home. They are hindering me from buying my XXXX home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a glitch in the system which caused all inquiries to delete.TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added they said they could not remove them I also asked to talk to a US representative and I was hung up on, these inquiries add a hardship and my rights were violated by TransUnion.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 36 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  - XXXX {$270.00} XXXX - XXXX {$0.00}
Product: Checking or savings account

Cap One is refusing to close the XXXX  checking account I have with my XXXX, and they are refusing to return the balance on the account to me. 

On XX/XX/XXXX, the account was compromised via a mobile app hack, a fake check was deposited, and Cap One placed a lock on the account. 
On XX/XX/XXXX, I called Cap One to resolve the issue and spent XXXX minutes on the phone with them before I had to hang up and return to work. The issue was not resolved. 
On XX/XX/XXXX, I spent XXXX minutes on the phone with Cap One. The Cap One agent refused to close the compromised account unless I'd allow him to interrogate my XXXX  child. As the accountholder on the account, and the guardian of my XXXX  child, I refused to allow him to interrogate my XXXX  child, but offered him my full support. The was unable to offer me any proof that me or my XXXX  were involved in the XX/XX/XXXX fraud. The agent refused to close the account and refused to refund my XXXX XXXX savings. 

Please help me close this compromised account and get my XXXX XXXX money back.
Product: Credit card or prepaid card

My Wells Fargo credit card was closed on early this year because I was not making my payments on time. I contacted Wells Fargo through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Wells Fargo since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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: Debt collection

XXXX XXXX asked me to move out after a neighbor insisted my dogs were bothering her. I had to move against my will due the unfortunate circumstances. After agreeing that I would NOT be responsible for any fees or charges related to lease termination, they sent the account to collections. Address is incorrect, my apartment was not XXXX XXXX. This discrepency relieves me from any responsibility connected to XXXX XXXX, since lease is not valid if address is INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts. FOLLOW AS : XXXX XXXX XXXX XXXX XXXX, ARS, and XXXX XXXX. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Debt collection

I keep getting calls from Halsted from about XXXX different numbers. I answer and that ask for me and I say yes and they ask for my social and I refuse to give it to them and they hang up. I have no outstanding debts of any kind and I am sure of it. They call me about three times a day over the last three days. They are harassing me without any reason whatsoever. They do not leave messages and hang up on me.
Product: Mortgage

I have a conventional 30 year fixed rate mortgage with XXXX with coupon based payments. I am in the process of refinancing my mortgage with XXXX. Part of the underwriting process includes requiring a mortgage statement from the current lender, XXXX. I called XXXX to request a statement and was told that because I have a coupon book, they are unable to provide a statement. This appears to violate 1026.41 Periodic statements for residential mortgage loans ( e ) ( 3 ) ( iii ) " Makes available upon request to the consumer by telephone, in writing, in person, or electronically, if the consumer consents, the information listed in paragraph ( d ) ( 2 ) through ( 5 ) of this  section ; and ''
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX the platform Blockfi has suspended withdrawals.
Product: Mortgage

XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds
Product: Debt collection

On XXXX I sent the company CITI Certified mail asking for validation of debt pursuant to 15 USC 16g2g.

To this date I have not received any validation documents and the Company " CITI CARDS/CITIBANK " and to date I have been adversely affected by the actions for they continued reporting invalidated information to the 3 major credit bureaus ( XXXX, XXXX, or XXXX ). 

On XXXX I also sent the Company " CITI CARDS/CITIBANK " a CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) notifying them in writing that I refuse to this alleged debt, and I am demanding that you cease all forms of communication with me through all mediums. To this date the communication has not ceased.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and XXXX via physical mail asking them to help validate some inaccurate information I found on my credit reports. Today is now XX/XX/XXXX and I received a corresponding physical letter from a debt collector, National Credit Adjusters. 

According to XXXX  this company does not have a license to collect ANY debt in the state of Texas. 

From this physical letter they sent to me, they are in violation of two laws. 

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.
Product: Checking or savings account

On XX/XX/year>, contacted the Financial Institution using the phone number provided for small business banking. After spending a considerable amount of time on hold, I was informed by the agent that she was unable to close the account on her end. I mentioned that I would mail a letter confirming my request to close the account. The letter was mailed on XX/XX/year>. On XX/XX/year>, I received a call from someone at a local branch stating the letter needed to be notarized, to which I terminated the call. There are no funds remaining in the account, so this is a very simple closure, yet made complicated by a third-rate bank, which sent every one of it's customer 's ( probably very few at this point ) incorrect 1099 interest forms.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Debt collection

on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account
Product: Credit reporting, credit repair services, or other personal consumer reports

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