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

To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 
2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 
3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. 

Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Please send me a written confirmation once these inquiries have been removed. If I do not receive confirmation within 10 business days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I sent a letter a while back to Nicholas financial to validate debt and receive no validation. They sent me a letter full of a bunch of propaganda addressing the Fcba. When my letter was specifically about validation company provided no documentation of any contractual agreements nothing bearing my signature indicating I finance this vehicle failure to validate debt and continuing to report is a violation Im asking for removal of account from records
Product: Credit card or prepaid card

On XX/XX/2022 I paid my state taxes {$740.00} plus the website fee of about {$1.00} through XXXX ; confirmation number XXXX. 

The state of IL placed a hold and automatically withdrew {$740.00} from my XXXX account on XXXX XXXX 2022 as they never received the payment from XXXX. 

I attempted numerous times to reach the merchant, XXXX, but was kept on automated hold for as long as 6hrs on several occasions. 

Due to my unsuccessful attempts, I initiated a dispute through my issuing bank, Citi bank. To my greatest surprise, it has not yet resolved the dispute yet it continues to charge me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have reached out to XXXX on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX, XXXX and TransUnion will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed several inaccuracies. I have a late payment on XXXX separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

I used rewards points to obtain gift cards in XX/XX/. They were sent but lost by XXXX. They were reissued but I did not receive the entire order. Two XXXX $ card were missing. I have tried to get these sent on 5 different communications. Latest request was today XXXX XXXX they wanted to file another escalation/ I asked to talk to a specialist and they had me on hold for 30minutes before I gave up. 
Two month ago the said they would restore the points used on the missing cards but they were never restored.

Please stop this kind of incompetence
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes there's a company on my credit report that I don't know. I asked the creditors to have them to provide the I.P address and they couldn't but still on my report when I gave them 30days to give proof. The company is Midland. They need to give the information that I asked them to give to the creditors but hasn't and still on my report I asked to be removed immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This loan has been sold to many collection agencies without my knowledge!
Product: Debt collection

I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.
Product: Credit reporting

I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!
Product: Prepaid card

On XX/XX/year> my debit card was hit for {$100.00} than {$200.00} and again for another {$200.00}. That just about emptied my account. I called within minutes and filed a claim. The debit card company closed my account and sent me a new card. The problem is they are not responsive regarding getting me the {$500.00} back. They tell me they need my e-mail address, even to this day. At least a dozen times I have provided that as well as the police report and the officer in charge. each time I call I am told my claim is denied with no recourse. The police report is XXXX XXXX and the investigator is XXXX XXXX and her number is XXXX. They have pictures of the the criminal but can not release the report until the case is cold.
Product: Checking or savings account

Credit karma, both money and ink which is owned by XXXX now. The constant XXXX from these financial crooks want my social security or undated info. They are constantly some pulling my credit, why? Because they are charging my estate. Trying to forcefully and with threatening tactics is breaking Consumer laws and USCode, CFR, and UCC. 
Listen banks are fraud, I know this I am no longer asleep. I took time to research and read the law. There ideal threats of closing my account I which we all know is crap. These crooks don't close them so they can like a bottom feeder, they create mirror Identity, why there are so many addresses on credit reports. This is all documented and estate records that are being obtained. The financial system is the true enemy of the Republic. Take the banking democracy and prepare. The people are awake and I educate more and more daily on my show.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Checking or savings account

Wells Fargo failed to correctly add my interest earned on my CD. They admitted they have my account info wrong and was corrected at the XXXX AL location. However, they admit they don't know how to locate the interest that was failed to be deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This complaint is a formal complaint against the company Equifax. I recently pulled my credit report and noticed one inquiry on my report without permissible use. According to the FCRA, they should be removed. I have sent in many letters disputing the unauthorized inquiry that I am aware. Many attempts were made to over come this problem with the creditor and reporting company. The inquiry name and date is XXXX XXXX XXXX , Auto moblie Dealers, Old, XXXX
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. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX.
Product: Mortgage

XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.
Product: Debt collection

I called LVNV Funding LLC and asked for a purchase agreement. They asked multiple questions but could not provide proof. I then called XXXX and asked them to verify 100 % accuracy and to verify the information was accurate and to make sure they can fully verify it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I not did authorize anyone employ by these companies to make any inquiries or review my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX  constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my credit report. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX
Product: Credit card

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the XXXX major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. We both discovered that the account was compromised, and we closed it and paid the outstanding amount using
linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover.

I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXXXXXX XXXX. ET. 



Sincerely, XXXX Executive Office of Customer Advocacy Public
Product: Credit card or prepaid card

I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?
Product: Checking or savings account

i was a victim of identity theft and had XXXX fraudulent transactions. totaling approximately {$3600.00} stolen between XX/XX/year> - XX/XX/year> I also recently discovered that **Wells Fargo employees removed certain transactions from my claims without my authorization '' *. To clarify any confusion, 1 have included a *complete list of all unauthorized transactions** that were fraudulently withdrawn from my account during XX/XX/year> i've contacted the police and have an identity theft statement and everything i disputed the transactions well within the allotted timeframe and provided all the documentation to wellsfargo who then decided to deny my claim and close my account. saying i was too much of a risk. it's not my fault my account was stolen and drained XXXX the individual was debiting money from my account from all over the XXXX XXXX country how the XXXX you gunna tell me that i authorized it... i'm XXXX and practically homebound. this is highway robbery. it was the last off my social security money, i just want my money back
Product: Debt collection

On XX/XX/XXXX, I first contacted company by email and XXXX responded trying to fix problem. I haven't heard from anyone and so I sent another email on XX/XX/XXXX asking for a full refund because i haven't heard from anyone and no results were done. I sent another email on XX/XX/XXXX asking could someone respond to my email which is where i received a response but by another XXXX named XXXX. She was trying to find a resolution which i then explained again what was going on and that i wanted a full refund. I didn't hear from anyone and sent another email on XX/XX/XXXX saying that i haven't heard from anyone still. I then received an email on XX/XX/XXXX general release-ceasing treatment and was filed with the amount of {$480.00}. Then i started receiving emails from another company called AmeriAssist A/R Solutions which aren't allowed to collect in the state of florida.
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$100.00}, XXXX XXXX XXXXXXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX