23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion Consumer Relations, I am writing this letter in response to the correspondence I received from Transunion dated [ XX/XX/23 ] regarding a dispute on my credit report. I appreciate the opportunity to address the matter and seek a resolution to the dispute. 

First and foremost, I want to clarify that I am the individual who sent the initial dispute letter [ XX/XX/23 ] regarding the inaccurate information on my credit report. It is essential that this clarification is duly noted and that my request is promptly moved forward for investigation and resolution. 

I must express my concern regarding the handling of my dispute by Transunion. It appears that there has been a delay or oversight in addressing my concerns, which has resulted in unnecessary inconvenience and potential harm to my creditworthiness. I believe it is crucial to emphasize that as a consumer, I have certain rights protected by federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Transunion 's failure to comply with the FCRA and other applicable regulations is a matter of utmost concern to me. I strongly believe that Transunion is taking unfair advantage of my consumer rights by not promptly addressing my dispute and conducting a thorough investigation. 

Failure to comply with the requirements outlined in the FCRA is a violation of my rights as a consumer, and I want to assert that I am entitled to appropriate remedies, including potential monetary damages if these violations persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries Hard do not belong to me. 

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

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Good day I am a MoneyGram customer. I sent my sister some money on XX/XX/2024. However, the transaction was canceled. Today is XX/XX/XXXXXXXX XXXX. I have tried reaching out to XXXX several times because they said I should get a refund, and today, XXXX I still have not received my money back to my account. each time I call they said you should receive the money within 10 days. And I still have not received the money. I have exhausted all my resource. I have provided them with every single documents showing its me showing its my sister. I would like to get someone to help me to get my money back. My email is XXXX. My phone number is XXXX.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, CashApp 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am concerned about the potential impact these unauthorized inquiries may have on my XXXX XXXX and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. Sincerely,
Product: Money transfer, virtual currency, or money service

My stimulus check was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I'm still waiting on my deposit. I recevied my letter from the IRS stating it was deposited. I've been waiting over a month. What is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies written or verbal approval to Inquire on my credit profile. I don't have any knowledge of these transactions. These companies are in violation of my rights and would like these inquiries removed immediately. 
( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have reported this incident as identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is sincerely appreciated.
Product: Credit card or prepaid card

On XX/XX/XXXX I had contacted American Express to close out my Amex EveryDay Card ending in 61000 which they had closed out on XX/XX/XXXX. I then requested to reopen the account on XX/XX/XXXX and was told I was not qualifying for reinstatement per federal regulation and it had to have been completed within 90 days. This is a false and misleading statement, as there is no federal regulation that outlines when an account may be reinstated or reopened. I was then unfairly deceived into applying for a card again and was declined and incurred an inquiry on my credit due to AMEX customer service 's false information surround federal regulations. The only regulations that govern an account reopen request are BSA ( KYC/CIP ), Regulation Z, and Regulation B ( should the request be declined. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX  account # XXXX XXXX # XXXX, 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 XXXXXXXX, has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Violation of Ohio FCRA Identity Theft Fraud Laws Dear WELLS FARGO CARD SER, I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report, which violates both federal and Ohio state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Ohio Revised Code Sections 1349.19 and 1349.191, and identity theft laws, specifically Ohio Revised Code Section 2913.49.

It has come to my attention that WELLS FARGO CARD SER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Ohio Revised Code Section 1349.19, mandates that consumer consent is essential for credit reporting. Furthermore, Section 1349.191 of the Ohio Revised Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws, such as Ohio Revised Code Section 2913.49, underscore the seriousness of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for WELLS FARGO CARD SER to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially harming my creditworthiness and disregarding federal and state laws. 

I demand, with absolute certainty, that WELLS FARGO CARD SER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio Revised Code Sections 1349.19 and 1349.191. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and Ohio state laws. 

Done in good faith,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with Navient in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a critical care nurse fighting covid and had not been home in months. I contacted Naviant and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that Naviant insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Product: Mortgage

RESPA states that the servicer should provide an explanation of how the surplus, shortage, or deficiency is being handled. BAC 's explanation does not include options for the customer to pay the full shortage. Their statement is confusing and seems to want to keep customers with a higher monthly payment and potentially cause financial distress throughout the rest of the year.

I received the escrow statement from Bank of America and it does not provide clear instructions on how I can pay my escrow shortage so my monthly bill isn't impacted going forward. It is very confusing and will likely lead to customers maintaining a higher monthly payment. Their website also doesn't allow you to pay the shortage without paying the monthly mortgage payment. It seems that they want to keep me at a higher monthly payment amount which isn't beneficial to how I pay my monthly bills. On the other hand, XXXX  's escrow statement provides three very clear options for the customer and their website allows for escrow only payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am freaking tired of this company they hang up on me on purpose or they lie about verification. I sent all documents and they did not investigate unauthorized inquires and address XXXX XXXX XXXX needs to be removed never lived there. They are stalling. They are in violation they never investigated. I enclosed the police report they asked for.
Product: Credit reporting or other personal consumer reports

This accounts were charged off on the following date : XX/XX/year>, XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies XXXX, TransUnion, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Date last XXXX XXXX : Date last XXXX XXXX : Date last active : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to Experian and it was received on XX/XX/2018 and I have yet to get a response. They have not verified permissible purpose or proof of I initiated these inquiries nor written authorization. I have waited for to long for the completions of this investigation. Documents and proof of Experian receipt of dispute is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Enclosed is an identity theft report containing the relevant dates and information regarding the unauthorized hard inquiries from multiple companies. Please review the attached document for further details.
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. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
I looked at my Experian report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are not suppose to 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

An unverified and inaccurate account was placed on my Experian credit report. I have no account with the collection agency that is collecting on This account. This is against the FTC codes and against my rights. Please remove off my account or I will file for litigation. Please remove XXXX XXXX XXXX off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP
Product: Debt collection

A company called Portfolio Recovery Associates , LLC, has been repeatedly calling me for two months without leaving texts or voicemails describing their purpose of calling me or what debt I have. They have tried to collect some sort of debt from me despite the fact that I have never used a credit card or used student loans. 

I called them earlier this morning ( XX/XX/23 ) to ask who they were and why they were calling me. The person who called me instead asked for my information, which I refused to give them unless they described their company affiliation. 

A few months ago, my house was burglarized and my birth certificate was stolen. I'm not sure if this has anything to do with it if someone is falsely impersonating me.
Product: Debt collection

As found through discovery, Merchant & Professional Collection Bureau , Inc. Openly tried to impersonate an Attorney on XXXX report file number XXXX issued XX/XX/2022. Which is also a Violation of the FDCPA. DECEPTIVE TRADE PRACTIVES ACT. DEFENDANT HAS NO MORE THAN 5 DAYS TO DELETE ALL ERRONEOUS and FRAUDULENT data submitted to my PRIVATE and security frozen reports according to 15 U.S.C. 1681 ( B ) ( I ). Not 5 - 7 days Mandatory 5 days according to Federal law! 15 U.S.C. 1681i subparagraph ( A ). I owe you NO XXXX  FOR THE DEFAMATION AND DAMAGE & EQUITY YOU OWE ME EQUITY FOR STANDING ILLEGALLY WITHOUT CONTRACT WITHOUT CONSUMER CONSENT ON MY CONSUMER REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

UNAUTHORIZED HARD INQUIRES on my credit profile XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and Experian has provided me with no records of this alleged bankruptcy nor has XXXX.
Product: Credit card or prepaid card

In XXXX XXXX, Discover closed my credit card. 
I have used this card for XXXX year and I pay the statements on time for XXXX XXXX. 
This is XXXX bonus of this card. After the use of XXXX year, they will give the consumers double cash back. 
I should have my double cash back on XXXX XXXX. 
Before that, they close my account. 
I lose several XXXX dollars. 
The discover is not honest.