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

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXXXXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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

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

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/20
Product: Credit card or prepaid card

I opened a new credit card account with CITI bank and used it immediately. I received the first bill for {$4100.00} on XX/XX/XXXX and paid it that day with an withdrawal from my XXXX XXXX Account. XXXX verification from XXXX XXXX is attached ) I realized that while the funds went CITI I had made an error with the account number and those funds must have been credited elsewhere. 

When I realized my error, I called customer service and notified them of the problem and then sent a second check for {$4100.00} on XX/XX/XXXX still before the due date. I was asked to send verification from my bank that the first payment was sent and received and that CITI would credit my account. On XX/XX/XXXX I sent the attached letter via email and assumed that the issue had been resolved. 

I have spent HOURS with customer service offshore trying to resolve this issue. I was given email addresses, faxes and a USA address where I sent this information. I have complied in every case. While I acknowledge the error of the incorrect account number, I am unable to speak with any individual who can help me. CITI bank no longer has retail banks where I can work with a person. 

The bank website says that there is no dispute and they have reversed the credit. I now owe them {$5100.00}. I am unable to handle this through their customer service people as we cover the same territory again and again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations or not mine to my best knowledge govern by the ftc violations code
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.
Product: Credit reporting or other personal consumer reports

First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. XXXX XXXX bank ss 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In the middle of XX/XX/2022 I paid down over 50 % of my principal balance of my mortgage. On the XXXX of XXXX, Bank of America still charged the same amount ( combination of interest and principal ) as in the previous month. I asked my banker why my payment was not reduced considering the pay down. The banker took a week to respond confirming that they received the pay down, but I would still have to pay the same monthly amount for the next 9 months. In essence the bank is still charging me interest and amortization on the full balance.
Product: Debt collection

I do not owe the so called debtor any thing. Just because I properly closed my account at the end of the month with proper advance notice, XXXX decided to bill me for another month.for {$39.00} with a {$100.00} collection fee.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

Western Union has put my money transfer on hold and asked me to provide more information which I did. I was told I will get answer after 2-3 days. Now ten days passed no answer. Talked to their service staff all I got is that it is in their compliance dept. to subject to approval. Same answer each time I called. I said I want my money back they said they ca n't do anything untill they hear back from the dept. Now I am totally exhausted. What a disappointing service they provide.
Product: Credit card or prepaid card

I Made a payment on XX/XX/XXXX of XXXX My payment of XXXX was not due until XX/XX/XXXX. The payment is not getting credited to my minimum due but to my balance. I am being charged a late fee of XXXX dollars every month even though I have made my payment early. The same thing happened in XXXX I made a payment of XXXX on XXXX for my XXXX statement. My minimum due was XXXX on XX/XX/XXXX again I was charged a leat fee of XXXX even though I paid it early. I believe this has go on since I opened the account however with paperless statements, they only have XXXX stat ent available.
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 XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX  XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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

I signed up for Self-Lender, and they reported the account opened to the credit reporting agencies. Well I canceled the loan before the first payment. They closed it on my account but will not delete the account off my credit report.
Product: Debt collection

Americollect Inc XXXX. XXXX XXXX XXXX, WI XXXX phone : XXXX amount {$55.00} amount {$440.00} XXXX XXXX. is a 3rd party debt collection company. Americollect sent me a validation notice to dispute their debt on XX/XX/XXXX2019 and I responded with a Validation Notice on XX/XX/2019 via certified return receipt. 
Americollect responded on XX/XX/XXXX2019 with verification of a medical debt from a different company that has never contacted me about this debt. As a result of Americollect 's validation tactics, they have violated my H.I.P.P.A rights. I responded to their statement on XX/XX/XXXX2019 with a Non-Negotiable, Notice Of Default, Opportunity to Cure Notice via certified return receipt allowing them 10 days to produce true and accurate information that I owed them anything. 
As a result. Americollect responded on XX/XX/XXXX2019 saying they have received, verified, and validated with the current bureau ( s ) and has responded to me. After reasonable investigation my dispute has been deemed frivolous or irrelevant. My credit score was damaged 100 points due to Americollect 's fraudulent activity. Americollect never validated the alleged debt and also violated my H.I.P.P.A. rights. I responded to Americollect on XX/XX/2019 via certified return receipt with a Cease and Desist any and all further action notice of intent to sue. 
Americollect should not get away with fraudulent claims especially when there is no contact that binds me to pay them.
Product: Mortgage

I, XXXX XXXX, am reporting against the business, Carrington Mortgage Services. They have been reporting me being late on payment going back to XX/XX/2018. What occurred was Carrington Mortgage picked up my mortgage from XXXX XXXX XXXX  which the transaction was not successful. XXXX XXXX XXXX  withheld money in the transaction to Carrington Mortgage. We were reported by Carrington Mortgage that we had been late on payments from XX/XX/2018. Carrington wanted their {$300.00} and didn ; t consider the amount transferred from XXXX XXXX XXXX. 

We have been making payments to the company every month. The company does not want to provide correction to the credit bureau on making payments on a timely basis. As an active serviceman, the company had been not providing accurate service regarding me being a good customer to the credit bureau. The company does not have a section that resolves these issues. The only thing they have is a record department that has been non compliant in assisting me with my credit to the company. This issue is placing problems with my active service record and clearance status. 

Carrington has not been compliant with customer service relationship with me nor members of my family during this time. 
I want them to take this off my credit. I have never been late paying my mortgage and the company doesn't care. We paid this XXXX {$300.00} a while back and the company still does not want to establish it. 

I want my credit to be fixed and for them to correct this. This is
Product: Money transfer, virtual currency, or money service

I am filing a complete against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process is unfair and deceptive as they do not comply with error solution requirements under the electronic fund transfer act ( EFTA ) and Regulation E these actions have caused Significant inconvenience in financial loss and I seek to redress to these violations
Product: Credit reporting or other personal consumer reports

Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. Dispute Letters were already sent.
Product: Checking or savings account

I have a checking account with TD Bank which I don't really use, but kept the minimum amount required to no be charged a XXXX XXXX  monthly maintenance fee. On XX/XX/year> there we fraudulent charges made to my account that brought that balance bellow what was required to avoid the monthly fee. These transactions were later identified by TD as fraud and refunded. I was not aware of this, received no notification, mail or e-mail from TD bank and they kept charging my account a monthly fee until it over drafted. When I checked my statement, which I only do from time to time, because I don't use that account. I saw what happened and contacted TD bank through the phone and confirmed this occurrence. I was told to visit a TD bank branch, which I did intending to close my account and get refunded for the wrongly charged fees. A supervisor told me he could only refund me 2 months of monthly fees, and that I had to go to the original branch where I opened the account to get a full refund for the money I had in the account ( Which was approximately {$100.00} ) Upon wasting my time, TD bank proceeded to only refund me {$30.00} and said there was nothing they could do. I'm opening this case despite it being such a small amount of money because I can not stand by the disrespect with the client and lack of support TD bank provided in this situation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that XXXX XXXX XXXX XXXX XXXX Stated XXXX XXXX XXXX XXXX XXXX to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However, Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ). 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.
Product: Debt collection

DUE TO NON-VALIDATION OF DEBT THIS ACCOUNT WAS DISPUTED AND DELETED FROM MY XXXX CREDIT REPORT