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

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my XXXXredit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, NA Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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

It has been a year that I have been trying to fix my Credit file by fixing or removing any and all erroneous accounts off of my Credit File and yet the Credit Bureaus have done nothing. I am submitting this CFPB complaint to demand that the Credit Reporting Agencies remove the charge off accounts being reported on my Credit FIle. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to provice accurate information to be reported on my Credit File. I noticed that there are negative items on my Credit File and have been asking the Credit Bureaus to investigate the accuracy of the accounts being reported. The Credit Bureaus have been ignoring my requests neither did they send me any documents supporting their claims that the disputed accounts are accurate. However, they kept reporting the disputed accounts as if these accounts are accurate which is a clear violation of my rights under the FCRA. I need the following accounts removed with no excuses : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. The Credit Bureaus are required to respnd to my disputes and provide documents to support their claims that the information they report are accurate. Yet, the Credit Bureaus failed to so.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I made overpayments to me secured card hoping to increase my credit limit. They company claims to have refunded me but I have never received any repayment
Product: Payday loan, title loan, or personal loan

I started a new job on XX/XX/. I ended up having emergency XXXX XXXX XXXX a couple days later. I was out of work a couple days due to the XXXX. I have received one full paycheck in 4 weeks. One main financial payment was due XX/XX/XXXX. I explained to XXXX XXXX, on XX/XX/XXXX, I could only pay {$100.00} when I got paid because all my other XXXX 's were past due also. Then he asked me when do I get paid, I told him on fridays and I'm working on getting a third job so I could get out of the financial hole I'm in. Fast forward to XX/XX/XXXX. There was an debit from One main financial that I did not authorize for {$430.00} which over drafted my checking account {$350.00}. XXXX and XXXX XXXX, branch mgr, claim that they do not have the capability to debit my account from a well account. I've made multiple payments to them from my well account, $ XXXX, not $ XXXX because I'm making a third of what I used to make. I worked as a XXXX XXXX doing XXXX for the past 5 years. 25+ years in XXXX. And I've learned one thing there is a back door to everything. It is not a coincidence that my account was debited on a friday. They may not have the rights to do it from there office, but I'm sure they called or emailed someone to set up and electronic payment from my account. Because I surely did not do it. I didnt have the funds.
Product: Checking or savings account

I had requested closing my Saving 's account with PNC bank in XX/XX/2024. The representative told me that closing amount check will be sent to me with in 7 working days. The check didn't come as promised. Then I called them again in second week of XXXX. She cancelled my previous check and told that new check will be sent. 
Then I received a check from PNC. Unfortunately, that was the previous check. I deposited and it bounced back without payment as PNC stopped payment for that check. 
Then I called them again. The representative told that a new check was already in process and will receive it by end of XXXX. I have been waiting and gave more time. However, till not I have not received the check. 
I had requested to send me the check by XXXX courier or some faster way. The representative denied doing that. 
Not sure how with how many people PNC would be doing this in USA. Very bad practice they are following. They are using my money and not giving me benefits also : (
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert from XXXX XXXX that there was a new hard inquiry on my credit report. I checked and the inquiry was from XXXX XXXX. I called them and they told me someone tried to apply for a credit card with them using my details. I told them this is fraud and they cancelled the application. This was within 20 minutes of the application being made ( or at least within 20 minutes of the inquiry showing up on my report and me getting the alert. ) I receive several monitoring alerts from many companies, so I was able to recognize the fraud quickly. 

I went to dispute the inquiry on my credit report as well, but Experian said they couldn't do that online. So I called them on XXXX XXXX ( they were not open previous days due to the XXXX holiday ) and told them the inquiry is fraud and I need to make a victim statement. They asked if I reported to the police or FTC. I said no, I just called XXXX, and they told me to come report to the FTC as well and send them a copy.
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 a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item 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 willful 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 account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

I have tracked down XXXX payment made on XX/XX/2020 in the amount of XXXX to XXXX some how this ended up on my credit report and I have been fighting it the whole time and they will not remove it. Its medical billing that I don't believe I ever said could be posted but even outside of that I paid it and for all this time the XXXX will not remove it saying that the collection company said its a owed debt. But that cant be true when I have proof it was paid. Then the other of {$75.00} came out and because of the {$64.00} on the report when the {$75.00} came up I handled that right away. Got a letter from them saying I owe {$0.00} to them. But when I spoke with the collection and told them they said that they were told that the debt was owed. They have provided no proof to the credit bureau and XXXX even said themselves they have not got any proof from the collection company just they saying the debit is owed. I have tried many of times to dispute the debit and they have not removed it and yet cant show that its owe.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with Capital One and in order to determine eligibility Capital One pulled my XXXX report. This was an authorized inquiry. Capital One wouldnt send the credit card to my mailing address so I decided to close the account. Minutes after requesting the account be closed, Capital One pulled my XXXX report, which resulted in a hard inquiry that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters/emails from several companies stating that they have denied my application. 

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXX was a Hard inquiry through XXXX. They also have been notfied. I have changed most all of my passwords for various accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a security freeze on my Equifax report due to past fraudulent activity. These companies were not authorized nor was I notified by the companies that this inquiry was taking place. 

On XX/XX/2019, I was notified that the following inquires had taken place, I contact Equifax by telephone and talked to a customer service representative. At this point I was notified that there was nothing that Equifax could do to remove these hard inquires. 

This is why I have a security freeze on my Equifax credit report so that this does not happen without the companies contacting me for verification. Neither of these companies have contacted me either by telephone or mail. 

Hard Inquires made without my authorization or knowledge. 

XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I have attempted to contact the above companies for an explanation and neither one would provide any assistance.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate, XXXX XXXXXXXX Under dispute Date opened Balance XXXX XX/XX/XXXX {$510.00} Status Account charged off. {$510.00} written off. 
{$510.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XXXX XX/XX/XXXX {$1100.00} XXXX XXXX account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was used as a Authorized User i did not give permission to be a authorized user. XXXX, XXXX looks like the limit was {$300.00} and it closed XX/XX/2023, I don't know the account number. this account is showing on my credit report Please remove and restore my credit score points that was taken
Product: Student loan

Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. 

Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. 



Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

I received an alert of debt collection on my credit by XXXX. XXXX XXXX is Credit Systems International with the amount of {$890.00} the person who stole my identity had my social security number and date of birth and they opened a utility service with XXXX XXXX.