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

Dear TransUnion, I am writing to dispute the hard inquiries that have appeared on my credit report. As a consumer, I have the right to ensure that my credit report is accurate and that my personal information is being used lawfully. The Fair Credit Reporting Act ( FCRA ) entitles me to this right, and I intend to exercise it. 

I have reviewed my credit report and have noticed that there are several hard inquiries from lenders that I did not authorize. The FCRA states that hard inquiries can only be made with the consumer 's permission, and I did not provide permission for these inquiries to be made. Therefore, I request that these inquiries be removed from my credit report : XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Miscellaneous Finance XXXXXX/XX/XXXX XXXXXXXX XXXX Miscellaneous Finance XXXX XXXX XXXX Miscellaneous Finance XXXXXX/XX/XXXX Furthermore, I would like to remind TransUnion of its obligation to ensure the accuracy of the information it reports. The FCRA requires that credit reporting agencies like TransUnion maintain " reasonable procedures '' to ensure the accuracy of the information they report. These procedures include investigating and correcting any errors or inaccuracies that are reported. 

Given this legal framework, I urge TransUnion to take immediate action to investigate the unauthorized hard inquiries on my credit report and to remove them. Failure to do so would constitute a violation of my rights under the FCRA and could result in legal action. 

In conclusion, I am taking this matter seriously, and I will not hesitate to take legal action if necessary. I look forward to hearing from TransUnion and receiving confirmation that the unauthorized hard inquiries have been removed from my credit report. 

Sincerely, XXXX XXXX My personal Information : My SSN : XXXX My date of birth : XX/XX/XXXX My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX
Product: Checking or savings account

tuist bank closed my business checking account and have refused to release my account balance to me after closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've exhausted all efforts to correct this with XXXX XXXX XXXX XXXX and they refuse to address it. I've filed numerous disputes via all of the credit bureaus and it's still showing up on the credit report incorrect. 

They are reporting a 30 day late for XX/XX/XXXX. I will attach screenshots of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments on THEIR OWN statements showing the payments were made.
Product: Credit reporting or other personal consumer reports

I have noticed a charged off account on my credit report, however, I do not have the legally required 1099-C for that should have been issued per IRS guidelines of discharged debt. I demand to be provided the requested documentation or clarification regarding the status of this account.
Product: Debt collection

3 different collections I settled with portfolio Recovery to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. XXXX XXXX XXXX sent to collections with portfolio should be deleted than 2 XXXX XXXX XXXX cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a XXXX XXXX settles for less
Product: Checking or savings account

I tried to access my online savings/checking/HELOC account over the weekend of XXXX. I got an error message saying I needed to call. I called and there was a message saying they were doing website maintenance so I assumed that was the problem. I waited until XXXX. Still locked out. Called told there was a security lock on my account due to someone trying to access my information by phone fraudulently. I would need to visit a branch to rectify. I went to branch and was photo ID 'd and they established a code word I would need whenever I called about my account as an extra layer of security. However they said they were unable to remove the block I would have to speak to the security team via phone. I went home to call the security team. They are only available XXXX on weekdays and hold times are over 1 hour. I have a job and was unable to call from work. I finally took off Friday afternoon XXXX ( unpaid ) to try to call. I was on hold for 2 hours and 4 minutes. They were able to unblock my account. It is completely unacceptable that they were able to block my account for a week and I had to take off of work to be on hold for more than 2 hours. This was no fault of my own and it needs to be easier for customers to get through to access their own money. It was bad enough having to go to a branch in person -- but they were unable to completely resolve the issue. I also had no official notification that my account was blocked by email or in writing, I had to find out on my own.
Product: Vehicle loan or lease

I was never informed by WESTLAKE FINANCIAL about not needing to put a down payment down upon purchase, because it's covered under 15 US CODE 1605. Also they refused to mail me a [ BILL STATEMENT ]. I am a VETERAN OF THE UNITED STATES, and I will be treated with the utter most RESPECT AND TRANSPARENCY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get a debt off my Credit report for the last 5 years! First and foremost, I am sure I paid it in full, then the company turned around and proceeded to send me to a collection. I paid the collection company, as you will see on the attachment, and they still after 5 years do not remove. 
I get in my mail in XX/XX/2014 that the Company has turned me over for Collection. I call and try to talk to this company which only collects a debt! So, if the debt is paid before a certain date the amount to be paid is lowered. I could not and would not spend another ounce of my energy on this so I paid it. Did the Credit Reporting or the Company take off my credit report. NO, they did not. Is this fair, it is not to me, and specially after 5 years.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon. 

I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i have been forbidden to ask of the results of the MAP program applied XXXX XXXX with Mr Cooper, by the attached email so I wanted to see if CFPB can help the title company that is helping me to keep my house or buy it from my XXXX, so that there is no unnecessary foreclosure. I paid the payments is just that the payments were misapplied and did not register for the last 100 months as per the prior attorney represented to the judge. The XXXX were sent to the bank by XXXX XXXX  so applying those the foreclosure could be resolved or even my mom can sell thehome to me, as I already am approved by another bank for XXXX which is more than the original loan was for, andconsideringI paid during the pendency of the trial until XXXX, the loan could have not gone over the original ammount even if it were an interest only loan. We are trying to keep the home we lived in for the last 15 years and have paid for 13 of those years until the escrow company stop allowing us to make payments
Product: Student loan

Im seeking loan forgiveness since Navient has already forgiven XXXX XXXX dollars. But I was excluded because I reside in Texas and my attorney general didnt take up lawsuit against navient like 35 other states did.. Aside from living in Texas that makes me ineligible for forgiveness, I do however meet criterias for loan forgiveness in many other ways.
Product: Credit card or prepaid card

XX/XX/2019 I ordered catering for my brothers funeral in the amount of {$710.00}. Currently I have a balance of {$130.00} on this card. Received a text message from capital one asking if I was authorizing purchase - I immediately responded yes. Caterer tried to run my credit card 8 times - all declined. Received an email from capital email on XX/XX/XXXX asking if I was authorizing purchase - since I thought I would be charged on this visa I responded no as explathe transaction was declined 8 times even though I immediately responded to their text message on my cell phone, I had to use my MasterCard to pay on XX/XX/XXXX. Highly embarrassed and caused further emotional stress during a very difficult time - there should have been no problem once I ok, d the transaction. Caterer kept asking me if I was over my limit.
Product: Mortgage

On X/XX/17 XXXX XXXX of supreme lending in XXXX, some how obtain my SS # # illegally and ran my credit report without me having any knowledge.
Product: Debt collection

I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's 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.2025-CFPB- 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
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 and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 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 vears.

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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

I took a loan out on XX/XX/XXXX for {$1200.00}. Since then I have made 5 payments for the total of {$800.00} in which on XX/XX/XXXX it was confirmed by a rep that I made 5 pymnts. After making a payment as of XX/XX/XXXX my balance is {$1700.00}. When I go online to their website their records only show two payments, therefore I cant not keep track of my payments. Interest, and charge. I also received an email of a new disclosure with percentage changes and apr changes.
Product: Credit reporting or other personal consumer reports

To : Consumer Reporting Agency Subject : Disputed Charge-Off Account - Request for Immediate Deletion of Unverifiable Debt Dear Credit Reporting Agency, I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX , with a reported charge-off balance of {$1300.00}. This account appeared on my credit report reported by [ XXXX, Experian, and XXXX ], and was subsequently disputed with XXXX, one of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information. 

Please consider this letter as an official demand for the deletion of this account. I look forward to your prompt compliance with this request and expect your response within the next 30 days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX XX/XX/XXXX BALANCE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE : XXXX
Product: Credit reporting or other personal consumer reports

I am not disputing this at this time this is for my own internal documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, I am writing to formally request detailed information regarding specific accounts listed as " charge-off '' on my credit report. While I am not disputing these accounts at this time, I would like to request the following details for each account : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-off The accounts in question are as follows : XXXX XXXX - Account Number : XXXX - Balance : {$3500.00} XXXX XXXX XXXX  XXXX Account Number : XXXX - Balance : {$570.00} I request this information to ensure the accuracy of my credit report. Please provide the requested details within 30 days from the date of this letter. If additional documentation or verification is needed, kindly notify me immediately. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Due to me being a victim of identity theft these items are on my credit and its effecting my progress in life I can not get approved for any credit these are the dates of unauthorized collections on my credit report XXXX these dates are from unauthorized collections placed on my credit report
Product: Credit reporting or other personal consumer reports

I have loans on my credit bureau files and its show that XXXX XXXX accounts are not in good standing. Per the government repayment program due to my income I am in repayment status so my payments monthly funtil next year are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Sv # 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am having an issue with Experian credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

Experian limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

Experian has also gotten into the habit of changing my username and password on XXXX nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.
Product: Money transfer, virtual currency, or money service

Robinhood restricted my account without providing any explanation, and I am unable to withdraw my funds. I have attempted to contact their customer service multiple times via phone and email, but I have not received any meaningful assistance. Each time I reach out, they tell me that I will receive an update the following day. However, when the following day arrives, they delay the resolution further by saying it will be addressed the next day. This ongoing delay has caused me significant frustration and financial inconvenience.