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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/23 Action : When contacting Equifax to remove unauthorized inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a negative account/several accounts which do not belong to me. I have been disputing this for a year. I have sent the creditor debt validation letters which no response has been received. I have been disputing the error with Equifax and apparently, all they are receiving back from XXXX XXXX are account summaries. There is no contract, no copy of my driver 's license, nothing that relates or belongs to me and according to the FCRA an account summary/bill is not sufficient of validating a debt and Equifax is in complete violation of the law by reporting erroneous information. To add insult to injury I spoke with an Equifax Supervisor today By the Name of XXXX, ID # XXXX, out of the Nevada office at XXXX XXXX  and he was very rude to me, he even put me on hold in the middle of me speaking to him without asking me if I mind holding and told me that my complaint was not worthy of going to the executive affairs team, after I requested to speak with someone one over his department because he kept saying All I can do is, which was not helping me. The dispute in question is confirmation number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False debt was re-inserted onto my credit report and failed to notify me within XXXX business days.
Product: Credit card or prepaid card

I have Lowe 's Store card through Sychrony Bank. 

In XX/XX/XXXX, I noticed the card security charges were more than interest charged to the account, and I was also charged interest on the Card security charges. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX  XXXX  '' at XXXX. I chose option 1 to remove the service asked to dispute charges. I was informed there was optional XXXX XXXX added to my account in XXXX during an online application. They claim I authorized it, however I did not. I had the account setup on autopay and electronic billing, and didn't notice the charges were applied - I misinterpreted them as interest charges. I thought the balance wasn't going down because of interest charges. I asked to have a full refund of both the charges and the interest. I was told all they could do was refund of {$1100.00}, and they would need to look into the interest charges. On XX/XX/XXXX, the following refunds were applied to my Lowe 's Card : $ XXXX, $ XXXX, $ XXXX, $ XXXX. 

On XX/XX/XXXX, checked the totals and the account and noticed the amount refunded did not match the total amounts I was actually charged. I called back to " XXXX XXXX '' at XXXX, asked them to look at the account again, and stated the amount refunded still did not equal the total amount of charges, because it did not include the interest charges I incurred from their charges, they said again they would look into it. I then paid the account in full. It was my intention to wait for the additional refund and then close the account in XXXX XXXX. 

On XX/XX/XXXX, I went to check the account and noticed a new charge on XX/XX/XXXX for XXXX from " Debt Can Benefit Payment ''. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX XXXX '' at XXXX. I chose option 4 " other '' and disputed the charge as unauthorized and asked to have it removed immediately. I was told there was nothing that could be done, there was no supervisor to speak to, and they would escalate my concern and I would receive a call back within 24 hrs. I told them I would be filing a complaint and calling my attorney. 

On XX/XX/XXXX, after I got off the phone, I began to document what I could about the situation. I researched back through prior statements and now observe that all former charges indicating the " XXXX XXXX '' service charges have been scrubbed from prior statements. There is no longer evidence of the prior activity. I have screen shot at attached the data I was able to retrieve online going back 1 year. Statements prior to XX/XX/XXXX are no longer available online. This is the link to the XXXX XXXX site : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a claim 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 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 action shave cause a significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt to Portfolio Recovery Associates llc. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and the company license information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage was bought from XXXX XXXX to XXXX XXXX in XX/XX/XXXX. Sometime in XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. XXXX also sent notice to the credit bureaus. We spoke with XXXX several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at XXXX and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak English well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. XXXX was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XXXX of XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with XXXX XXXX   several times about PMI insurance. When we bought our house in XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Product: Credit reporting or other personal consumer reports

Credit bureau has been complicit with XXXX XXXX XXXX reporting inaccurate account status for approximately 3 years. Account disputes results in more inaccurate changes which continues to damage my credit rating. The consistent inaccurate reporting is a defamation of character and is harmful to fair and equitable access to credit. 


XXXX XXXX Actions : XXXX. Account has been charged off since XX/XX/XXXX. 
XXXX. Last Payment Reporting = XX/XX/XXXX. 
XXXX. Account is reporting unrecognized and conflicting payment history compared to payments shown in balance history. 
XXXX. Payment status changes when charge off status is removed, however, balance remains the same or slightly increases. 
XXXX. Each time account is disputed, the credit bureau allows the creditor to change the reporting history without proof or documentation verification. 
XXXX XXXX : The lender has a pattern of reporting positive history to claim charge off for tax fraud. 

XXXX. XX/XX/XXXX reported account as up to date after charge off XX/XX/XXXX. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account 30 days past due XX/XX/XXXX after XX/XX/XXXX charge off. 
XXXX. Reported account as current XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as XXXX XXXX XX/XX/XXXX after charged off XX/XX/XXXX. 
XXXX. Flagged account as XXXX XXXX XX/XX/XXXX after charged off XX/XX/XXXX. 

I have reported the inaccuracies several times to the credit bureau, however no action has been taken. the credit bureau has been complicit in the continued defamation of my character and in violation of FCRA section XXXX. 

Disputes and dates below : XXXX Results generated XX/XX/XXXX XXXX XXXX submitted XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX XXXX Results Generated XX/XX/XXXX XXXX Submitted XX/XX/XXXX I have submitted several complaints via CFPB which resulted in no action being taken. CFPB complain numbers are as follows : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request that a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systematic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the XXXX XXXX will not correct or delete the accounts as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & XXXX to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
2. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXXXXXX XXXX XXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXXXXXX XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( BBB ), Federal Trade Commission ( FTC ), and the Attorney General. 
2. Retain the services of a consumer attorney to pursue legal action. 
3. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, XXXX, and TransUnion no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information that I believe is inaccurate or incomplete on my credit report. I am requesting that you investigate the following entries in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs the permissible purposes for which a credit report may be accessed. 

Under the provisions of 15 U.S. Code 1681b, credit reports can only be accessed for specific purposes, such as for a legitimate business need in connection with a credit transaction, insurance underwriting, employment, or other purposes specified by law. I believe the entry in question does not meet these criteria or was reported in error. 

The specific information I am disputing is : Tennessee Child Support I pay very week
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, 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 ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XX/XX/year> XXXX XX/XX/XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have found fraudulent inquiries in my account
Product: Debt collection

I've had extreme difficulty paying my bills for XXXX XXXX XXXX XXXX XXXX Nh and it's parent company XXXX XXXX for years. I can give you the details of those years if needed. Many times I've had payment plans and paid til they wouldn't take anymore money and this has happened several times. Last year the hospital had me make payments to XXXX different locations and I did til they were paid off but it was a kinda flimflam because I never knew what the bills were for or if valid. Today I get a letter from one of those agencies AMCOL but never got a bill and I was caught up. I strongly suspect fraud. Trying to call these people is useless and impossible to resolve anything. If they have XXXX non collection account that I can make payments we should all be happy but these people won't do it. I am willing and able to make payments, all the extreme difficulty comes from these related companies. When I saw this letter I've had it with their scams and need help. Should I contact the AIG? 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened my XXXX XXXX in my Capital One App on XX/XX/XXXX to see an inquiry made on my account through Capital One and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through XXXX. I did not authorize any kind of inquiry and Capital One and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX late payment {$0.00} Balance updated XX/XX/2021 This credit account does not belong to me