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

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to fix to fix credit i have called each of the company 's and have no account with them this has been going on since XXXX up XXXX they proof they refuse to investigate .The problem is our information is is shared so many times with one company i no of XXXX XXXX XXXX, they never fix the problem but pay bounty 's to Hackers when you file a disputes this is what you get, he information you disputed has been received. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly, ever time, it getting old the data breach did nothing. i like fic and investigation it not hard to pick up phone like i did and call, if can you can pay out thousands of dollars to XXXX and one other company to hack you should pay for your mistake, this is proof they don't investigate, i never lived at this address, XXXX XXXX XXXX, XXXX XXXX, NC XXXX This is a fraudulent address. it says it part of my factual record. what a joke
Product: Credit card

I have XXXX credit cards with Chase Bank, ending in XXXX and ending in XXXX. 

In XXXX or early XX/XX/scrub>XXXX XXXX, I moved, and changed my address with Chase Bank online. 

When I log in to my Chase account, it only shows that my address has been changed for my XXXX credit card. 

On XX/XX/XXXX, I sent them a message through the website : " I updated my mailing address for card -XXXX. Should be XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX... But, it didn't show that it updated the address for my other card XXXX ... Please confirm that you have the correct ( XXXXXXXX XXXX ) mailing address for both my credit card accounts. '' 'Ann ' refused to answer yes or no, but instead treated me like an XXXX and told me how to change the address through the website ( which I had of course already done ). 

So I sent another message : " XXXX, you didn't read what I wrote. Please answer the question I asked, and stop trying to answer the question you wish I'd asked '' and XXXX XXXX responded " for security purposes, we will be unable to confirm the mailing address we have on file for you here via email. '' Which shows that he also did not read what I wrote. 

Attached is a pdf, showing what I see when I go to 'profile '. Note that it only shows the address for the card ending in XXXX.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX XXXXXXXX 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 an 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: Student loan

Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by  refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a full and final payment to ally.com/auto. Today XX/XX/XXXX I received an email that it was returned for incorrect account or routing number. I put in the correct numbers because today when I went to check and then pay XXXX MORE in interest it said I already had and account with ally with that routing and account number. I feel like they are scamming me for more money. You can't pay in full over the phone. they put you thru to a 3rd party that will only take increments of XXXX at a fee of {$4.00}. My payment was XXXX. First off I did not want to do a loan but the auto dealership would only sell it that way as they make more money off the deal. My intention was to take the car anyway and pay the loan off right away. I am jaded by the dealership AND loan company!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to inform you that the following accounts have violated my rights to privacy and confidentiality under 15 USC 1681 : - XXXX XXXX  ( Account Number : XXXX ) - XXXX XXXX  ( Account Number : XXXX ) - XXXX XXXX  ( Account Number : XXXX  ) - XXXX XXXX ( Account Number : XXXX ) These accounts have been reported without my written instruction, in violation of 15 U.S.C 1681 Section 604 A ( 2 ). Additionally, the reports contain adverse information older than seven years, which is prohibited under 15 U.S.C 1681c ( a ) ( 5 ).

As you are aware, 15 U.S.C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency without the consumer 's consent. I demand that you take immediate action to correct this violation and remove the aforementioned accounts from my credit report. 

Please investigate this matter and provide written confirmation of the actions taken to rectify the situation within 30 days from the date of this letter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX with an account number of XXXX opened XX/XX/year>, which does not belong to me and was opened fraudulently. 

TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported. 
I have provided all necessary supporting documentation to TransUnion, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress. 

I request that the CFPB take immediate action to ensure TransUnion complies with federal law by permanently removing this fraudulent account from my credit report. I also request that TransUnion provide a written confirmation of the deletion. 

Please let me know if additional information is needed to process this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Credit Repair.com in XXXX of 2021 - my billing cycle renews on the XXXX of the month. 

Today, the XXXX I called wanting to cancel The guy of course tried to keep me on board and I told him I wanted to cancel ( XXXX was his name ) Then he told me that after the final invoice that bills on the XXXX is received they will cancel - they are trying to get another month out of me. 

I told him that this was incorrect and that I would report them to you guys. 

They intend to process payment tomorrow which I will have my bank deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) XXXX 22 hard inquiries and 2 late payments. 

XXXX ) Transunion 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Product: Credit reporting or other personal consumer reports

The collection agency XXXX XXXX XXXX has engaged in false and misleading practices violating FDCPA 8 07 and provided misleading forms violating FDCPA 812. I asked Experian to remove this misleading report from my credit and they refuse to do so
Product: Credit reporting or other personal consumer reports

Dear Affirm Disputes Department, I am formally disputing the late payment entries being reported by Affirm on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute 1. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If Affirm can not provide definitive proof of accuracy, these negative marks must be deleted.

2. Violation of 15 U.S.C. 6801 XXXX XXXX ( XXXX ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If Affirm reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand Affirm provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for XXXX XXXX Affirm must fully validate and provide documented proof of these late payments within 30 days. If Affirm can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request XXXX result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank Chase allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.
Product: Money transfer, virtual currency, or money service

My CASHAPP account was hacked and {$1500.00} was stolen. On XX/XX/2020 someone transferred {$1500.00} ( in 3 separate {$500.00} transactions XXXX to their account. This is pure fraud. I did not make these transactions and I do not know wh the recipient is. I was working at home when my phone started pinging and I received notifications of these transactions. 

I had several email exchanges with a CASHAPP representative. They claim that the transaction was from a device that had previously accessed CASHAPP. That is not possible. I has the only two devices XXXX my phone and my laptop ) in my hands as the transactions occurred. 

The final email from CASHPP is attached, in which they claim that they have no responsibility. Also attached is my CASHAPP statement showing these fraudulent transactions.
Product: Debt collection

Re : Cease and Desist Request and Deletion of Collection Account from Credit Report Dear Sir or Madam, This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number [ Insert Account Number ]. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phone calls, letters, emails, or any other means of contact.

Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit report, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action. 
Please confirm in writing within 30 days that you have complied with my request and that the collection account has been deleted from all credit reporting agencies. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.
Product: Checking or savings account

I would have go back though my chime history but back in 2023 I received my taxes XXXX to my chime account well the day before it hit I was XXXX  left for dead funds were transferred to credit builder which requires no pin and wiped over next XXXX days I had no phone no id no nothing after countless company calls they finally said they couldn't provide me with the information confiring I was inocent and would nit re invite me of my tax refund and even XXXX  police wouldn't write a report i begged them for help and was turned away XXXX XXXX XXXX
Product: Mortgage

XXXX-18 Got notification on both my XXXX and XXXX  credit reports that my SLS Mortgage balance had been increased by {$8100.00} total on XXXX  and by {$8200.00} on XXXX. 

I have not received any description or notification from SLS and have submitted prior complaints about them changing my payments, rates, and then reporting me 120-150 days delinquent. 

I have all receipts showing all payments were sent and received on-time by me thru XXXX XXXX and received by SLS electronically on same day. 

My credit reports both have been negatively affected by these errors and I have again notified the XXXX  of Colorado, since these issues had occurred many times, and then corrected after my legalized complaints with all evidence and proof of payment.
Product: Credit reporting or other personal consumer reports

I understand that under the provisions of 15 U.S.C. and the UCC I am entitled to receive information concerning the reasons for the denial of the trusts own credit as the credit application itself is a promissory note that may be deposited under special deposit and by you accepting the application and running the application you have accepted a fiduciary relationship as you are now the custodian of trust property. As I am the beneficiary of the XXXX XXXX XXXX XXXX and you having a fiduciary duty to me to do what is in the best interest of the XXXX XXXX in which the beneficiary is the true owner or return the XXXX XXXX back to its original intent and specific purpose by returning the application/promissory note to its rightful owner. Please provide me with a written statement specifying the reasons for this adverse action against the XXXX XXXX within 30 days of receiving this letter. As equity looks at intent not form. If there were any credit scores used in the decision-making process, I request disclosure of those scores along with the key factors that adversely affected the XXXX XXXXThank you for your prompt attention to this matter. We look forward to receiving the required information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report had both a bad address and a valid address with a last-lived-at date more recent than it should have been. I was able to dispute the bad address, but there's no way in their app to dispute the last-lived-at date for an address. There's also no way to contact them online. I called them on the phone and navigated a long, complex automated phone menu system, at the end of which the system said it was unable to verify my identity and refused to let me speak to an agent. It offered to provide me instructions for contacting them via fax or mail, but when I asked for fax instructions, it said basically, " Ha ha just kidding, we don't actually accept faxes anymore, you'll have to use mail instead! '' and gave me mailing instructions instead. At this point I gave up.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate