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

To : Experian XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

The first inaccuracy is that my credit file shows I have a closed account with XXXX XXXX on XX/XX/XXXX. The account number is XXXX according to what is showing on my Experian File. I believe this account should be removed as I never authorized such an account. Please investigate this further. 

In addition, I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX  Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX Card Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 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 these violations
Product: Debt collection

I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor XXXX XXXX In the amount of XXXX XXXX dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.
Product: Debt collection

I notice the charge of XXXX on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX so I XXXX I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he capital one will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX   security breach data breach and I wonder if I was a part of the capital one as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage company was is guilty of dual tracking. They clearly told me my home was not in foreclosure through XXXX XXXX 2024. They were also discussing the possibility even Modifying my loan. They immediately forwarded my loan to their foreclosure attorney while in active Forbearance.

This is clearly dual tracking. My home has equity and the are attempting to foreclosure so that I will lose my equity and my home. Frank Dodd act protects homeowners from this type of abuse.

I also mailed a QWR and sent a notice of error in XX/XX/scrub> 2024. The have refused to respond to either document. I sent a notice of default XX/XX/scrub> 2024 and they havent responded. I informed them that this was against Federal Law to be working with a homeowner on modification and forbearance and Simultaneously starting foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND INQUIRIES THAT WAS ADDED TO MY CREDIT REPORT. 
A FEW YEARS BACK SOMEONE GAINED ACCESS TO MY PERSONAL INFORMATION AND WAS ABLE TO OPEN SOME FRAUDULENT ACCOUNTS. MY CREDIT IS NOW IN A VERY HORRIBLE STATE. 
I AM ASKING THAT YOU PLEASE HAVE THE DISPUTED ACCOUNTS AND INQUIRIES REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Mortgage

Several years back I began the XXXX loan modification. After several months of back and forth with various people inside Wells Fargo, I received a letter from the bank dated XX/XX/year> indicating that my loan was not eligible based on the fact that my income as they calculated it was {$8200.00} per month and as such was outside the 25 % XXXX % range. The letter further indicated that according to XXXX guidelines I had 30 days to appeal the decision. I immediately sent a letter appealing the decision on the basis that their income calculations were incorrect and I specifically requested a copy of their calculations so that I could address the error. On XX/XX/year> I received a letter that my appeal had been denied and I never received their income calculations, nor was I ever allowed to address any errors. I feel their " token '' appeal amounts to nothing more than a fraudulent attempt to comply with XXXX guidelines so that Wells Fargo can give the appearance of meeting government requirements. 

Anyway back then my loan added up several XXXX in late fees etc and I NEVER was able to get a modification. I'm now going to pay off the loan and the late fees and charges are being demanded to pay off the debt.
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 # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # 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: Credit reporting or other personal consumer reports

For months, Ive been trying to correct errors on my credit report, and the process has been both exhausting and disheartening. These inaccuracies have severely impacted my financial opportunities and taken a toll on my emotional well-being. Despite my repeated efforts to resolve the issue, my concerns have been ignored, further affecting my credit and personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and XXXX. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 

Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was notified on XX/XX/XXXX through XXXX XXXX XXXX ( Identity Theft Protection ), as well as my XXXX XXXX Banking App, that a Capital One credit card was applied for under my name using my personal information. I did not recognize this activity, I have NEVER tried to bank with Capital One. 

I waited until Monday, XX/XX/XXXX to begin by contacting the credit agency XXXX to dispute the hard inquiry initiated by the fraudulent Capital One credit card application. I went to my local precinct of the XXXX ( the XXXX XXXX, XXXX XXXX ) to file a police report in person, as they did not answer any of my 15 calls. The XXXX XXXX police report online portal is down at the moment, which is an issue unto itself. The officer told me that in order to file a report with the XXXX, I need a notarized affidavit from the bank in question. I asked how to obtain that information, and she recommended I go to a branch of the bank. 

The next day on XX/XX/XXXX, I went to the Capital One branch at XXXX XXXXXXXX XXXX XXXX XXXXXXXX in XXXX. I went to the teller, explained the situation and the information I needed. She informed me that the branch is a payments branch rather than a part of Capital One 's credit card group, so she doesn't have access to credit card data. She brought me over to a customer service representative at the branch, who connected me directly via their desk phone with their credit card division. The person on the line in their fraud department informed me that the account had already been closed due to a claim that this was fraud, however, she did not know what an affidavit was or if they were able to send this information to me. She put me on a long hold, after which she confirmed that Capital One does not send notarized affidavits to customers.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these inquiries deleted because i have no knowledge and nI didnt authorize these companies to run my credit and that is fraudulent they are not connected open accounts or negative and closed. 
Ive made several attempts to reach out to creditors about the disputes that was successful but has yet to be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX I purchased money orders. Sadly the ink on them was too faded for them to be accepted anywhere. I then tried to deposit them into my account via an ATM and the ATM could not read the Money orders because they were too faded. I filled out a claim form but it did not have a field for me to explain in detail why I was requesting a refund and a mandetory {$15.00} fee per money order refuned. I bought XXXX of them, so the fees add up to {$90.00}. It was not my fault the store associates were too lazy to change the ribbon. I want a refund for the full amount of my money orders without fees. 

Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

The following items are attached - Original letter sent to FedChoice advising of violation of law re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Data was compromised and a fraud alert was put onto my credit reports. 
These inquiries should not be reporting as part of that alert. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have tried multiple times over the past year to access my account. Citicards has consistently not been available to support, and online services lock me out of managing my card. I have been a customer for over 20 years, so I had a log in and password, but one day it stopped working and would not let me reset. I called, and the automated message said they weren't allowed to assist over the phone. I got to a human in customer support and they said they could only give me the tech support line. The tech support line disconnected the call multiple times, and also, once I was able to enter in a credit card number, told me they had no record of my account. I was able to access a chat support line where they were unable to generate a new log in code for my cell number, again that has been on file for 20 years. As of right now, I do not have access to view or pay or close my account and have consistently been blocked from getting access to it.
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 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 these violations.