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

To whom it may concern, I want to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or elsewise compliant to every single one even each any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from Transunion, XXXX, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled up a copy of my credit report through the credit monitoring account that I am using which is IdentityIQ and I noticed that my score in Experian is not being reported. The error says Not Reported - Code : 4. This is the third month that they have not reported my score and all of the accounts that they are supposed to report and show in my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent closed accounts appearing on my consumer report, I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: 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. 

Has violated my rights. Or 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, credit repair services, or other personal consumer reports

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. All of the information listed on my Early Warning Services Consumer Report is inaccurate, and the information isnt mine because I was incarcerated. I am a victim of identity theft.There shouldnt be any information listed on my Early Warning Consumer Report.
Product: Debt collection

In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them my information.
Product: Payday loan, title loan, personal loan, or advance loan

Account name : XXXX XXXX # XXXX 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: Debt collection

Please see letter of communication sent to the merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Bogus XXXXXXXX XXXX credit card account number ending in XXXX ; Alleged bill of {$52.00} To whom it may concern ; I continue to receive bogus bills from XXXX XXXX for a credit card I did not initiate, authorize or receive, much less use. I continue to receive harassing Robo calls from you XXXX XXXX regarding this. 
You have submitted my name and bogus credit information fraudulently to financial institutions, damaging and defacing my credit history and my name. 
I demand you cease and desist any further harassment and I also demand you expunge any negative reports you have fraudulently submitted. 
Additionally, I want an investigation done at your expense, as to WHO initiated this. 
I want the sales clerks name as I NEVER authorized any such credit card to be initiated in my name. I know the scam that the sales clerks use in order to get their spiff money in closing a new credit account. If they opened up an account in my name without my express permission or if they did not make it clear to me that they were doing so, they AND you are guilty of fraud. 
I have attempted to go online to your website at comenity.net/paymenthelp ; however, not to my surprise, there IS no help there. 
If I do not hear from you in 10 business days with a satisfactory solution in my favor, I will be forced to file a complaint with XXXX and with FTC. 
I know you will do the right thing by your customers, of which I have been a loyal customer of XXXX for many years, and even decades.
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. XXXX and TransUnion 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$8600.00}.
Product: Mortgage

On XX/XX/year> I tried to make a payment to NewRez by Phone and computer to no avail. I was not able to make the payment via internet or by phonr after waiting XXXX hour. My payment was due on the XXXX of every month with a XXXX  day Grace period. But recently it cant .be done by computer or phone only by mail and the mail is not posted until XXXX weeks causing late payment fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX and Experian Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, XXXX, & Experian are reporting the wrong date of first delinquency. They report XX/XX/2017 my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter via certified mail to Navy Federal Credit Union last month concerning various factors that resulted in the improper reporting on my XXXX Credit Report. First, in the state of Alabama the statute of limitations for an open and liquidated account *credit card* is 3 years. This time has elapsed so by law this negative charge off account and all of it remarks should be removed from my XXXX report. I disputed this with XXXX and the account came back as verified and accurate. Based on the law, i requested a copy of documentary evidence to prove that i owe this debt and this has not been received. No documents were signed by me, therefore my FCRA rights were violated. There was no legitimate business purposes. Navy Federal Credit Union has failed to respond to my certified mail inquiry timely, and furthermore i am requesting this negative account to be removed from my credit report immediately
Product: Checking or savings account

per cash app terms funds should be able to get deposited once posted to cash app, i tried to deposit funds and cash app has locked funds. im trying to make a deposit and its not allowing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Product: Debt collection

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX  family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the card back .I am asking the company to forgive me and clear the debt please and take this off my credit report please in good faith.
Product: Mortgage

Since XX/XX/XXXX have submitted three ( 3 ) mortgage modification packages to Wells Fargo and updated last package five ( 5 ) times. XX/XX/XXXX, after receiving no responses to packages or updates from the WF mortgage specialist, had WF customer service track him down ; this took several additional months. The mortgage specialist stated to the customer service rep he cancelled my package XX/XX/XXXX, due to no responses from me ; I was the only person responding. After review of my files, located a letter, dated XX/XX/XXXX, from the mortgage specialist stating he had received my package and was processing the paperwork ; Odd ... .processing a package he cancelled two months prior. XX/XX/XXXX, after many complaints concerning this mortgage specialist, I was assigned a new specialist, who immediately stated he showed receiving no paperwork from me. All my paperwork is Priority Mailed to WF ; have receipts to show delivery. Forwarded all the latest paperwork to new specialist ; as of this date no responses to paperwork. XX/XX/XXXX, my home was put on the Foreclosure Auction Block without ( as of this date ) receiving any responses to my packages or updates. The last letter received from Wells Fargo concerning my requests for information was the same obtuse rhetoric and stating they were following all the guidelines set forth by CFRB.??????????????????
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation XXXX 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 a victim of identity theft and BOA has 2 unknown inquiries on my credit report. I need this resolved immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report. That is a result of identity theft. I did not Provide written permission or instructions for the identified items to be reported on my consumer report. I am re question that that's the reporting of this information be blocked And Deleted. My request to block is not being made in era. Nor is my request to block being may on the bias Of a material misreputation.

Of Fact by relevant relevant to the request to block the identify transaction. The identified transaction are not information related to any transaction to me as the consumer.

Account Name Account Date Account Name Account Date You are reqsir to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response, thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent up to 3 dispute letters to Portfolio Recovery Associates and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they 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. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit  company and continue to call and harass me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
Product: Debt collection

Due to overwhelming debt I was forced to turn my debt to XXXX XXXX XXXX and have them negotiate payments I can afford. All of my debtors have accepted except Barclays Bank. They call repeatedly from XXXX to XXXX XXXX at least 7 times a day except Sunday. I have told them that XXXX XXXX has negotiated with them. I was current thru XXXX of this year with payments. Since XXXX they have been receiving {$290.00} a month. They say I owe an additional {$900.00} which I do not have. I've emailed them and told them that in XXXX I will have my income tax return and I will make good on the {$900.00}. I'am retired and live on my pension and social security. All of income or almost all of it goes to bill paying I can not afford to pay them more right now. Please them I'm doing my best to pay them. The number they call me from is XXXX
Product: Credit reporting or other personal consumer reports

Good Evening, Several credit disputes were sent to XXXX, XXXX and Transunion regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries attach to letter in mail reference and email
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the account with XXXX XXXX be removed from my credit reports The account is not mine