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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying get a account deleted off my credit report that I do not recognize, account name is XXXX XXXX
Product: Debt collection

I had a charged off account from 2018  with XXXX XXXX. The debt was charged off, and a debt collector Crown asset management LLC bought the debt and now is trying to garnish my wages. This is illegal, as I have no business with them. My original debt was charged off my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened : XX/XX/XXXX amount {$7600.00} Account # XXXX, XXXX XXXX XXXX & XXXX Account opened : XX/XX/XXXX, XXXX : {$53.00} Account # XXXX. XXXX XXXX XXXX XXXX Account Date XX/XX/XXXX. Inquiry : XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution 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 ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX 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> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

I had a purchase on my MasterCard debit card that I needed to dispute. I tried doing this through Citibanks XXXX app, but there was no option available to do so, despite online instructions indicating that there was. I then tried calling the customer service number and was asked to put in my card number. The IVR did not recognize my card number and would not connect me with a representative. I then tried the online chat support, and the representative kept referring me to the same instructions that I told him were not correct, and kept referring me back to the phone number that I told him wasnt working. He further refused to escalate the issue further and refused to file a dispute for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to the credit bureaus and to XXXX asking them to verify the late payments on my credit report. I never received proof of my late payments. Also I learned that reporting late payments that arent verified are against the law. In addition according to 15 USC 1681 ( a ) ( 4 ), I have a right to privacy and I havent been able to exercise that right.
Product: Debt collection

I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit card or prepaid card

I had an invoice from a contractor whom I could not meet and who did not accept XXXX and XXXX. I made 2 payments spread over 2 weeks using XXXX XXXX. I was charged XXXX by XXXX for one payment and XXXX for another payment ( totaling around {$220.00} for an invoice for repairs. ) I got my credit card bill and found they charged me {$10.00} for each advance ( as a cash advance fee on top of the money charged by XXXX ) Had it been XXXX, that would not have been the case. 

None of this disclosed during the XXXX checkout process and XXXX XXXX refused to refund the 2 {$10.00} charges
Product: Debt collection

On XXXX XXXX, XXXX, I received mail from XXXX XXXX XXXX about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account XXXX XXXX ( Please note : XXXX XXXX account 's last four digits for security reasons ].  Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to XXXX XXXX XXXX to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. XXXX XXXX XXXX has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).
Product: Mortgage

United Wholesale Mortgage ( UWM ) needs to remove the domain https : //www.myuwmloan.com/ When a borrower google search contact UWM the above link shows up. The link does not take borrower to a page where they can make an inquiry on their account. It is a non-working link. This is misleading to the consumer. I had to look at my billing statement to find a working phone number.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

I reviewed my Consumer Reports and notice that i had XXXX late payments on an account that I have never been late for Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account. 

Please investigate and provide proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks
Product: Mortgage

I had a Wells Fargo mortgage between XXXX  I believe my interest rate was mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; MedicalXXXX Balance : {$130.00} ; Medical XXXX Balance : {$630.00} ; Medical XXXX Balance : {$930.00} ; Medical XXXX Balance : {$890.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 financial loss, and i seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Delete hard Inquiries : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

I was notified by email last week that an account was opened at Citizens bank in my name. I did not open the account. Today I closed the account with the fraud department at the bank and they told me to also open an account here. So someone stile my identity and I'm reporting it to you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was told by a lender that they were unable to pull my Equifax credit report. I then attempted to use Equifax 's online portal to check on this issue. Their website told me that their was an issue and gave error code NH, presumably no hit or no history. I then called the customer service line for Equifax, and after reaching a customer service agent, they told me that they had no history for the information I gave them. They also told me the next step was to send in material to verify my identity. Later on XX/XX/XXXX, I called several of my lenders, and confirmed with them that reports had been sent to Equifax monthly since the accounts were opened, going back more than 3 years in some cases. On XX/XX/XXXX I faxed my driver 's license, W2, and social security card along with a cover letter stating the purpose of doing so to Equifax. I again called Equifax at their customer service line, and this time was told that a name other than my own was associated with my SSN. I have called several other times since then to see if my fax had been received, and have been told everytime, including today XX/XX/XXXX, that the information had not been received or processed. With it being 14 days from when I first brought this issue to Equifax, they have been either unable or unwilling to find my credit history within their system, that I have verified with creditors has been sent to them with correct information and spelling.
Product: Credit reporting or other personal consumer reports

I have been trying to get information off my credit report that is inaccurate due to identity theft. I have provided the necessary documentation however they claim that they verified the information and it remains. This is a joke of course they verified that someone used my info to open those accounts, but I have never done business with those companies and it should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Student loan

I was contacted regarding consolidating my student loans and did n't mind the fee. But XXXX says it 's a scam and I should file a complaint. Global Client Solutions says they will close my account. The number of the " servicer '' is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

Received a update on my credit report that someone pulled my credit from Transunion : XXXX XXXX XXXX XX/XX/ Location XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Student loan

I am currently back in school but Navient will not afford me an in school deferment as it says I have exhausted forbearance limits or something to that effect. In XX/XX/XXXXI tried to set up a payment arrangement, made a down payment and then I would have set payments of {$440.00} which would have to be reviewed in a year. Going through this process I received a letter that said I didn't qualify and then I got a call from the company saying otherwise. Only to soon after receive another letter stating I again did not qualify. So you can imagine the confusion on what I was suppose to do. On XX/XX/XXXX I learned was my last day in my current position. So now I don't have a job to even afford to pay but could really use an in school deferment. I will be reaching back out to the company today XX/XX/XXXX to inform them of new details and to try once again to get a deferment until I obtain employment again. The other concern I had was are these loans even legal as they were given to me while obtaining my undergraduate degree and they would never certify with my school which as I realized later was very predatory in how they did the lending at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!
Product: Debt collection

While checking my credit report I discovered a collection account from an unknown collector. I have received no phone call from this agency nor any written communication regarding this debt. This company is reporting a debt to the major credit bureaus and thay have not contacted me nor have I been given the right to dispute this unknown debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a public record on my account which Equifax, XXXX and XXXX all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!