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

I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings.

3. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist.

Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law. 

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from my credit report.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX {$3800.00} This credit account is the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX natural person and consumer pursuant 15 USC 1692 contacted XXXX XXXX XX/XX/2022, regarding my account giving an error message when logging in. Error message states : " Let 's Get This Worked Out you may not be able to see all of your account features right now, but we're working on it. Try again in a bit, or give us a call at ( XXXX ) XXXX '' I was told that there was a name error and that it will be taken care of when I send in my identification and a letter stating who I am. I was never made aware of this issue prior. I was told to take a picture with the letter and card number and social security number with ID attached. Upload to the link sent via email. It was received and I was told it takes 5-7 business days to resolve. I was then told there was an account checking open with my name. I verified it wasn't my account and then told that takes some time to call back another time. Here I am a month later XX/XX/2022 a manager then tells me I have to update my name via phone with creditwise for name change. I followed through with a lady who barely could speak english and told me it take 72 hours to update in the system. I was told my account should be all set and updated. Still the same error and XXXX XXXX has yet to respond regarding this ongoing billing error and error message. It is now XX/XX/2022 and I have yet been able to access my account. CO is liable for misrepresentation pursuant 15 USC 1692e. I the consumer should not have to worry if my private information is being mimicked without my knowledge. This is clearly fraud and XXXX XXXX should be held accountable pursuant 15 USC 1692k. I have tried resolving this matter several times and be coerced into dead ends. 

Everything I say here is true. So be it.
Product: Mortgage

The rejection I received for my Loan Modification does not make sense. I signed up for mortgage a forbearance program to help us while we were waiting for our Loan Modification. One has nothing to do with the other. Forbearance does not replace Modification, therefore using that as an excuse is illogical. The other reason that was stated is " we can not grant you a Loan Modification '' is not reason. I really did not receive a valid answer for my denial. 
Here are the facts, over and above all the documents I submitted ; I will be XXXX this XXXX. I am still working as a XXXX XXXX, since we are on Social Security only. All my bookings for XXXX got cancelled and refunded and I will not get any more business for this year, and XXXX is in question. I can not apply for Unemployment, since having a small business I did not draw a fixed salary, only paid myself whenever there was money in the account. I can not get financial support for my small business either, since I do not have other employees. I had a 3 % mortgage for the first 5 years of my initial Loan Modification, the interest rates are low enough for me to qualify for the same rate again. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$96.00} XX/XX/year> 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XXXX XXXX 2017, at XXXX pm, I received an email from Trusted ID Customer Service, the company Equifax hired to assist consumers with compromised credit issues. It stated that my account had a " New Credit Monitoring Alert-Action Required '' and requested that I contact Customer Care at XXXX. I telephoned the number that evening and was on hold for 4 hours and 39 minutes before I gave up and went to bed. 
Thus, I can not contact the company about the issue and expect that there will be further issues and that I will be unable to contact the company in the future. 
Throughout the 4 hour and 39 minute hold, I heard numerous recordings assuring me that I was a valued customer, that the company was most concerned about me, and that I should call back later. I doubt that this is the case. It seems to me Equifax has hired the least expensive service company which, in turn, hired the least number of representative to assist customers. 
I do not want Equifax to have my information ever again nor do I think Trusted ID should be handling customer care. 
As a government entity charged with fair trade, please look into this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
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 an address fraud on their platform leaving My Account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they do not comply with error as resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience in financial loss as appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This is to inform you that I, XXXX XXXX XXXX am a victim of Data Breach. As a result, unauthorized inquiries are being reported on my credit report. I demand immediate removal of these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canng furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I.m dispute these unnecessary inquiries on my credit report that I don't recognize ... .and false
Product: Credit card

I was vacationing in XXXX XXXX when I had fraudulent charges occur on my credit card in Wisconsin USA, I have never visited that state in my life
Product: Debt collection

This a individual loan that has been reported under my name from Portfolio recovery for XXXX, and is a fraud.
Product: Credit reporting or other personal consumer reports

Dispute of XXXX Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( XXXX ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$870.00} Date Reported : XX/XX/year> Reason for Dispute : According to XXXX XXXX. XXXX Section XXXX ( a ), I have the right to privacy regarding my credit information. Furthermore, under XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required XXXX period. 



Thank you for your prompt attention to this matter.
Product: Mortgage

Associated Bank failed to provide any verification or validation of an accounts receivables on their books. They told us they " don't own the account ''. They claimed " the investor/owner '' was XXXX XXXX XXXX Without assigning any alleged account, Associated Bank has hired, two law firms, it seems to file a " complaint for foreclosure '' which was not verified, naming themselves as " owners of note, mortgage, and indebtedness ''. This is despite having repeatedly told us they did not own any account. The complaint was not verified, nor was it supported by any authorized representative of the company 's affidavit, facts, or genuine recorded instruments. They claim they now " own '' the account, despite having " CLOSED '' this alleged account, when the entire credit obligation was fully discharged under title XXXXXXXX XXXX XXXX Yet they continue to send " past due '', call, send dunning letters, threaten to take legal action that they can not lawfully take. 
Facts are : my husband acquired the land in XXXX. Owns it outright. The private, custom, site build home was built by my husband and his modest construction loan was fully paid off, by him, in XXXX. No " refi '' or " credit line '' has ever been extended or provided to my husband. I have never been on any financial transactions, neither am i on his land deeds. XXXX XXXX confirmed this as they refused to provide info to me because I was " never their customer '' and yet, this pretend lender, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have unjustly enriched themselves of hundreds of thousands of dollars of my family 's money they were never entitled to. For starters-Rule of 78 was used to amortize each sham, undisclosed " refi '' which my husband has paid, under duress. After an unlicensed, fraud XXXX XXXX was charged with setting up an escrow account for insurance and taxes, only, he illegally committed aggravated identity theft and stripped my husband 's equity over and over and over again. With absolutely XXXX benefit to my husband or my family. We paid retail price, with tax for all our building materials, we have thousands of hours of labor in our custom site built property, Associated Bank 's HELOC extension of a credit line was duly discharged as was the bogus " mortgage '' XXXX XXXX abusively and deceitfully consummated for my husband. We received NOTHING from the fraudulent, undisclosed, abusive, predatory transaction. I recently discovered this racket, and I demand the unearned interest, unreasonable sham fees and charges for each undisclosed closing, as well as all payments we have made for accounts that haven't been genuine, as the sham mortgage company, who NEVER PROVIDED any loan to my husband or our family, is defunct. There are no records of any alleged " refi '', there was no actual transaction, and now the FTC, the OCC neither CFPB can locate anything, any alleged loan, this is all void ab initio.
Product: Debt collection

Hello, I currently have a debt with a company called Caine and Weiner. It originally came from XXXX XXXX XXXX. That vehicle was totaled out in a car accident, so I do not understand why I have a debt with XXXX? Also, they're trying to say that I did not send back their XXXX device that monitors your driving, and I absolutely did mail it back. That alone costs {$50.00}, and is hurting my credit also. Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  ACCOUNT NUMBER XXXX AMOUNT XXXX THIS ACCOUNT WAS OPEN BY FRAUD I HAVE GIVEN THE POLICE THE SUSPECT INFORMATION AND FILED A REPORT.
Product: Credit card

Regarding the Bestbuy ( Citibank ) credit card reward program. Credit card ending with XXXX I am writing to dispute the denial of my {$50.00} reward certificate for the offer period from XX/XX/year> to XX/XX/year>. I enrolled in the program and spent over {$2000.00} outside of Best Buy using my My Best Buy Credit Card.

Specifically, I authorized the following transactions on XX/XX/year>, the final day of the offer period : {$370.00} ( merchant : XXXX XXXX XXXX ) {$250.00}, {$50.00}, {$100.00} ( merchant : XXXX ) All transactions were approved on XX/XX/year>, and I received payment receipts. However, I was informed that these transactions were excluded due to the posting date, which is not explicitly stated in the reward program terms.

The terms of this program do not clearly disclose whether the authorization approval date or the posting date determines eligibility, leading to confusion and potential non-compliance with TILA Regulation Z, which requires transparent disclosures.

I request that you review this matter and credit me with the {$50.00} reward certificate as per the authorization approval date.

Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : Equifax has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent XXXX pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file from equifax prior to me filing a complaint XXXX wasn't being reported as the company reporting my bankruptcy. They didn't list there name on my reports until after I filed complaint about inaccurate information. This all happened once I contacted US bankruptcy court here in XXXX Fl who advised me they don't report and court documents to any of the credit bureaus. This is a violation of the Fair Credit Reporting Act with inaccurate and misleading information. Please! Remove this bankruptcy from my credit files. Thanks
Product: Mortgage

On XX/XX/XXXX we applied for an interest rate reduction. Since then we have been awaiting title to clear. I have emailed and/or called everyday to find out what is needed, and I keep being told we have escalated this to our manager, or we emailed title company to see what is needed. It has been almost 2 months. I have heard great things about freedom and really want to have a relationship with them but this is getting insane. additionally, since we applied interest rates have gone down, we inquired about having a lower rate and was told they would look into, but again no response. Please please just help us get the interest rate reduction program completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and Equifax mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to EQUIFAX asking to investigate accounts on XX/XX/2021 and again on XX/XX/2021. XXXX has yet to respond to me in regards to the result of the account represented on my credit report. 

I am sending another letter today with this complaint referenced today XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I received a copy of my TransUnion report and saw that there was an account with 7 late payments on my credit report. This is a violation of the law under 15 U.S. Code 1681b - permissible purpose of consumer reports. I never gave my written consent to furnish this account onto my credit report. Also these late payments are a violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ). This issue has hindered me from obtaining essential credit and funding for my personal life and business.
Product: Credit reporting

I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Some of the questions on the forms- they ask if I tried to fix the problem with the Company! Yes! Yes! I have done so much to straighten these matters out with the Companies! So many Phone Calls! So many E-Mails! And Paper Mails! 
AN ENORMOUS AMOUNT OF PROBLEMS - seems - to have started when something went wrong with 1 accountatXXXX! 
It was aCheckingAccnt. I was using that accountto make automatic payments to a lot of Credit Card Companies. 

When something went wrong with thatcheckingaccountatXXXX- it caused things to go wrong with payments to Credit Card Companies! 

Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 
Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 
Maybe all over Corporate America? 
How many Companies??? 
Strange thing- if somethinggoes wrong with 1 account- if it is acheckingaccount- it can spread a lot of problems to a lot of companies! 
I have done so - SO MUCH totry to getthese things straightened out withCompanies! 
And I gave the XXXX XXXX a back-up checkingaccount number that they can use until the primary checking account is fixed! 
I will file a more detailed complaintwhen I have more time & more energy! 
There R so many more details to write about! 
When I have better health!