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

I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 

These inquiries were made without my consent, and I have requested that the involved credit bureaus Equifax conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection.

Additionally, I reference the case XXXX XXXX XXXX XXXX AssociXXXX ( XXXXXXXX XXXX XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.
Product: Debt collection

On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number an requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. 

Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. 

I'm not familiar with any issues and have not received any letters in the mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches that were with big companies and in the news.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT  # XXXX {$2700.00} XXXX XXXX XX/XX/year> ACCT # XXXX {$1800.00} XXXXXXXX XXXX XXXXXX/XX/year> ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM INPATIENT XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS INPATIENT AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH CHA LAW FIRM HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX BECAUSE OF 4 WATS, 25 MEDALS OF VALOR AND 8 SECTET MISDIONS THAT XXXX TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM EENATPR IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN INPATIENT XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN INPATIENT PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES XXXX XXXX SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
Product: Credit reporting or other personal consumer reports

Experian rejected my dispute, stating that the dispute didn't come from me. I submitted all the required documents also FCRA law allows consumers to get help with their credit from third-party as long as the consumer authorized that person to work on their credit.
Product: Mortgage

Good afternoon. I'm writing today, in the hopes that you will be able to assist me in getting my loan modification completed. I have been trying since XX/XX/XXXX, to resolve this matter with Chase hyphen on XXXX separate occasions, they have requested the same documents from me, claiming that they weren't signed or that there was a page missing. My most recent communication with them was this morning, where they stated the 4506-t form that I submitted wasn't signed. The third time I've sent it now - it's been signed every single time. I have also been dealing with people who are absolutely determined to derail this process, specifically - XXXX XXXX, point of contact and XXXX XXXX, Mgr. 

I have the ability to return to good faith payments. I have Surplus income and it's clearly evident that chase is trying to push this property to sale. Please assist me here!
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, regarding my identity theft case. I am the victim of identity theft, and fraudulent accounts, addresses, employment details, and credit inquiries have been unlawfully reported on my credit file.

Violations of FCRA : Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under this section, you must block any information identified as a result of identity theft within four ( 4 ) business days of receiving my dispute and required documentation. Failure to do so constitutes a violation of federal law.

Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1
681i ) : If you fail to reinvestigate the disputed items within 30 days, you are in violation of this section.

If you reinstate the fraudulent information without notifying me or conducting a reasonable investigation, you may be in further violation.

Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receiving my dispute, you must notify the furnishers of the fraudulent information within five ( 5 ) business days.

Providing Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : You have a legal duty to maintain accurate credit files. Reporting or failing to correct fraudulent information after being notified is a breach of this obligation.

Failure to Provide Results of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : After completing an investigation, you are required to provide a written notice of results and any changes made within five ( 5 ) business days.
Product: Checking or savings account

In the middle of XX/XX/year> when I tried to pay my bills online and found out that Wellfargo denied my access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OBTAINED AN AUTOMOBILE IN MY NAME FROM SANTANDER CONSUMER USA FRAUDULENTLY, AND THE INVESTIGATION HAS BEEN GOING ON FOR OVER 60 DAYS. I HAVE PROVIDED THEM WITH A POLICE REPORT, ID THEFT REPORT AND IDENTITY THEFT AFFIDAVIT, AND THEY ARE SAYING I HAVE TO WAIT ANOTHER 30-45 DAYS.
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC
Product: Credit reporting or other personal consumer reports

Hi, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that I do not recognize. 
XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX  XXXX is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through Experian. Experian removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.
Product: Debt collection

I recently obtained a copy of my credit report, and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I did not permit I C SYSTEM and XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is only to be revealed with the patient 's authorization, therefore my request is twofold, and as follows. 
Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until I have validated the debt Please send this information to my mailing address listed above and accept this letter as a formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting this debt to the credit bureaus before allowing me to validate if it may be a violation of the Fair Credit Reporting Act, can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days to respond to this request, or this debt will be considered invalid and removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute are listed below. 

I C SYSTEM ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Product: Money transfer, virtual currency, or money service

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Checking or savings account

In XXXX of this year, I opened an individual savings account and a money market account under my trust with Discover. I linked my individual XXXX XXXX XXXX XXXX ( XXXX ) checking account and a separate savings account under my trust. 
XX/XX/2022 - received email from XXXX stating that my XXXX transfer to Discover was reversed. Apparently, the transfer I made from my XXXX XXXX savings account to Discover was disallowed by XXXX since savings account are not allowed to do XXXX transfers per XXXX policy. 
- I contacted Discover and got a recorded message that Discover made a business decision to close my account ( I later found out was my money market account ). 
XXXX - Spoke to different CSRs from Discover some saying my account was closed and some saying my account was suspended. 
XX/XX/2022 - XXXX restored my online account access. 
XX/XX/2022 - received emails stating unusual activity detected and my account was closed. 
XX/XX/2022 -contacted discover, was told my money account was closed and check being sent to me between XXXX working days. Told to call back next day for online access. 
XX/XX/2022 - After insisting to speak to a supervisor, supervisor XXXX ( XXXX. # XXXX ) indicated my account was suspended. I asked that fund be transferred to my account since I need access. 
XX/XX/2022 - called again and was told that to wait for a call between 24-48 hours from day before and XXXX can't do anything form. I asked for corporate office number, but officer are closed at XXXX EST when they indicate their operating hours are til XXXX XXXX EST. 
I need to get access to my funds and Discover XXXX told me that issues like this XXXX take a couple of weeks to resolve.
Product: Credit reporting or other personal consumer reports

I filed my first complaint to XXXX XXXX Department on XX/XX/XXXX ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXXXXXX  ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.
Product: Money transfer, virtual currency, or money service

I transferred {$500.00} to XXXX via Western Union, for a death in my family on XX/XX/XXXX. The receivers bank in XXXX declined the transfer and told the receiver they only accept XXXX. I contacted Western Union multiple times asking for help and I was given different responses. One person told me via chat on Western Unions app- they were investigating the transfer and were in contact with the receivers bank. They were trying to trace the funds and the bank did not accept the money. Once the investigation was completed they would refund the money back to me. However, that never happened and every time I contacted another department I was told the investigation was still going on and there was no timeframe of when to expect my money. I confirmed with my family and they never got the money, and their bank never received it. Finally western Union told me that the investigation was over but they could not speak to anyone from the bank. So from their end they did send the money and their work was complete regardless if no one received the money. No one has explained to me where the money is and furthermore- one of western unions associates had already confirmed the bank was in contact with western Union and that I was getting a refund. So Im really confused as to where my money is. Im very frustrated that no one will assist me further the receiver doesnt have the {$500.00}, I never got it back - so the only place this money could be is with Western Union XXXX This entire process seems like a scam and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Bank account or service

Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.
Product: Debt collection

They are reporting inaccurate information to the credit bureaus, they are reporting the account is open, not reporting who the original creditor was and it's past due.