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

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

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

This evening in response to a complaint I made with the CFPB XXXX sent me a letter saying that they can not locate a file on me and that I must send them voluminous paperwork with my social security number, utility bill, pay stub, tax return, you name it. Unfortunately for XXXX I obtained my credit report a few weeks ago from their office at XXXXXXXX XXXX XXXX XXXXXXXX. The report gives me a XXXX XXXX of XXXX, too low to rent an apartment. There are vast numbers of companies listed as having made soft inquiries and phone numbers to request that they cease and desist. Not one of these numbers is a working number. And so why should we believe anything XXXX says. Their response to complaints is to bury you in platitudes and time wasting demands for more information which they already have. It is worth noting that XXXX is a corrupt company that knowingly places information it either knows is fraudulent or should know. The kinds of things that show up on their credit reports are not debts or delinquencies but disputes involving XXXX clients whom they want to keep happy. XXXX knowingly places false information on their credit reports and destroys lives. XXXX wants to keep consumers from obtaining credit because the big banks want a small credit pool. It is obvious that XXXX will never change and so a lawsuit is the only way to bring this company to justice. XXXX is also in for some bad publicity which they richly deserve. This companys hypocrisy is revolting. XXXX XXXX should be in jail.
Product: Credit reporting or other personal consumer reports

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the hard inquiries that are on my XXXX XXXX report. Upon reviewing my report, I have identified several inquiries that are inaccurately reported. I, XXXX XXXX did not authorize the listed inquiries. I did not give consent to pull or obtain my credit files. I need to see a signed wet signature of an application for these inquiries. By law, I can request this information. See below : - Flexible Finance, INC : XXXX Date : XX/XX/2023 & XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Checking or savings account

Tried three times to transfer funds to my other bank. Followed their instructions including providing routing and account numbers and also a cancelled check. According to their site, I would be contacted after 3-5 (? ) days or so, but never received any calls or emails. No messages when logged in as well. Called numerous times..
Product: Credit card or prepaid card

I won my dispute with Bank of America and my money was never added to my account
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, I disputed an account with TRANSUNION regarding inaccurate information being reported in my consumer report. After the reinvestigation was complete, I reviewed my report to see that the account came back verified and incomplete. The FCRA prohibits there reporting of incomplete accounts. This in turn is ruining the integrity of my consumer report because it violates 15 USC 1681e ( b ) of the FCRA.
Product: Debt collection

I contacted Merchants Credit Guide asking to validate my debt instead they sent me a bill I sent another validation of debt letter and they sent a letter dated on XX/XX/21 stating they will reach out to creditor to obtain validation documents if not obtained they will close account cease any further collection activity and return account to the creditor. This company has failed to validate my debt and is still reporting this information on my credit report. Please remove from my credit report this company has failed to validate debt
Product: Debt collection

My wreck happened XXXX. The XXXX picked me up without my permission minutes later. I really didnt need to ride in the XXXX  XXXX to begin with because I was discharged the same day. I only had bruises. I didnt have my wallet with me to provide my insurance card because it was stuck in my car. I did have insurance and they didnt check for it & later over charged me this huge bill. They reported it to the credit bureau without my permission and have it dated wrong. They also have it dated for 2 years later. XX/XX/2018 I tried to dispute, but the debt collections wasnt trying to work with me. I called the hospital and I was told my balance is XXXX $ for everything. On my credit account the balance is XXXX $ XXXX also cant pay that. Im in school full-time, single mom, and only a part time job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft 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 XXXXXX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

On XX/XX/2016 Equifax sent me the results of the investigation report and stated that the following items were removed. 
Real time solutions acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX However as of today the items have been placed back on my report. I am not asking for a re-investigation I am only asking that they remove the items as they were previously removed and replaced with out notification of the items being reinserted to my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my status as a victim of a recent data breach. This request is in accordance with my legal rights under the Fair Credit Reporting Act.

Please find the accounts affected by the breach that I request to be blocked and deleted from my credit report : XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} Additionally, I request the removal of the following inquiry from my credit report : XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Diaz and Associates, Inc called to my work and spoke to my imediate supervior saying that they needed to get in touch with me that I was being sued. I have n't recieved any calls from them to my personal phone so I do n't think its correct for them to be harrasing me at work.
Product: Credit reporting or other personal consumer reports

The information being furnished and reported on the consumer report is inaccurate the open date listed for the accounts is incorrect and the original creditors listed for the accounts is incorrect and if it was a error I've ask the reporting agency to provide me the documents signatured by the consumer from the original creditors to verified the open dates and the original creditors they have listed on the consumer report and I have yet to receive any response to verified the information being furnished and reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX should be the only address on my reports.
Product: Payday loan, title loan, or personal loan

i took out a payday 7yrs ago and it was for XXXX and now they want XXXX and they are harassing me and making threats they call everyday with threats about taking me to court and im on a fixed income and i told them that they want this money. and now they are threating me. i dont know want to do. im afraid of them and i have XXXX XXXX and i cant deal with them i need ur help to stop the harassment and threats. in XXXX the virginia attorney XXXX XXXX  saying he sued allied cash advance for alleging it violated state consumer protection and it was in the daily press. if i have to pay this money i wont beable to live i have a mortage bills and i dont get enough money to even live on. and the lost there payday license in XXXX i dont have a case number never got anything in writing from them no bill no account number nothing and i dont have a lawyer to fight them i cant afford one so please help me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. 

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my accounts records, it has come to my attention that the opening date listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my accounts records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

Initially i contacted them regarding being listed as a NY resident ( I am not ) and being subjected to NY XXXX regulations. It was the second time this has occurred, during their efforts to resolve this my account has been frozen resulting in my employer not being able to process my direct deposit. this has resulted in serious consternation with my employer. Juno ( evolve bank and trust ) is difficult to contact, slow, vague, and impersonal in responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, & XXXX regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. Experian, XXXX, & XXXX are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer All documents required by law are attached to this complaint.