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

So I sent a letter off on XX/XX/2022. Here is my tracking # ( XXXX ). To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Debt collection

ONCE AGAIN this negligent debt collector not only has fabricated a Summons in the Connecticut State Court of law stating INCORRECT unpaid balance, interest, late charges and " collection costs '' that are BLATANTLY erroneous due directly to the EGREGIOUS negligence of this debt firm, they further are HARRASSING ME by submitting Motions to the Connecticut State Court of law for foreclosure! They continue to fabricate stating the mortgage is in default yet I am in the middle of Mortgage Modification with Chase thru a government program HOPE directed me to apply to. All claim of a supposed nonpayment of the monthly installments of principal and interest due as of XX/XX/XXXX and each and every month thereafter is nothing more than a FRIVOLOUS claim. Due to my Mortgage Modification that I was accepted into, once I completed the process, which I have, I was advised that the NEW Mortgage starts fresh due to its new restructured interest rate and monthly payment. There is verifiable proof of all monthly payments up thru the Modification. The new restructured Mortgage is suppose to start in XX/XX/XXXX. All I am doing now is waiting for Chase to send me the new paperwork as XXXX XXXX XXXX advised me is the final stage. I have reached out to Chase several times during the past few months with no response yet. My Financial Consultant has also reached out to Chase. 

Please be advised, this company 's blatant negligence is so extreme, assistance was sought from the HOPE program thru the U.S. Department of Housing and Urban Development to remedy said negligence and thus restructure said promissory note due to said negligence as stated above is in progress. Even after a CEASE AND DESIST order, this firm of XXXX and XXXX specifically XXXX XXXX. XXXX have ignored such an order and have continued their harassment by continued contact and legal fabrications. Please note, this firm is known for their negligence, un-professionalism and egregious behavior in fabrications and scamming.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within XXXX business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a credit inquiry made by Citi Bank on XX/XX/year>, which appears on my credit report. This inquiry was not authorized by me, XXXX XXXX XXXX, and I have not provided Citi Bank with consent to access my credit information for any reason. 

I have contacted Citi Bank directly and spoken with their representatives regarding this matter. However, I have yet to receive satisfactory evidence that validates the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ) and relevant federal guidelines, including those outlined by the U.S. Code as taught and referenced at XXXX XXXX XXXX, I am exercising my legal right to request verification and proper documentation of the inquiry in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX XXXXXXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/year>, I sold a pair of jeans to a buyer using the app " XXXX. '' Initially, the transaction went smoothly, with payment processed through XXXX. I shipped the jeans promptly to the buyer and maintained communication through the XXXX app. However, subsequent to shipping and adding the tracking number on both platforms, I received a notification from XXXX stating that the buyer had initiated a chargeback with their card issuer, citing issues with the transaction. 

In response, XXXX requested supporting evidence, which I promptly provided. After reviewing the evidence, XXXX forwarded it to the financial institution, American Express, to recover the full amount. Several days later, XXXX notified me that American Express had determined the transaction was authorized, and I should expect to receive the full amount. 

However, it has now been over a month since the transaction, and I have yet to receive the {$14000.00}. As a seller, I fulfilled all responsibilitiesmaintaining communication, timely shipping, and ensuring delivery of the product to the buyer a month ago. Regardless of the authorization status of the transaction, I believe I am entitled to receive the full amount as I have met all seller obligations. 

I chose XXXX and XXXX for their seller protection, yet XXXX charged me approximately {$2000.00} and XXXX around {$600.00} for this transaction. Therefore, both parties bear responsibility in ensuring I recover my funds promptly. 

I am seeking intervention from the CFPB to expedite the resolution and recover my funds. The lack of updates on this case has placed significant financial strain on me, as I am unable to settle my credit card bill despite fulfilling my obligations as a seller. I have attempted to communicate with both American Express and XXXX, but each refers me back to the other without providing a solution. 

I appreciate your attention to this matter and urgently request assistance in resolving this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding unauthorized inquiries that appear on my Equifax credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize, either verbally or in writing. I have contacted the creditors associated with these inquiries, and they have provided no proof that I initiated or authorized them. This lack of evidence directly violates the Fair Credit Reporting Act ( FCRA ), which mandates that only inquiries with a permissible purpose may be included in a consumer report.

According to Section 604 of the FCRA, consumer reporting agencies may only include inquiries when there is a legitimate business need, and the consumer has initiated the transaction. As there is no such authorization or purpose for these inquiries, they should not be present in my report. Additionally, Section 609 of the FCRA requires credit reporting agencies to physically verify and retain original consumer authorization for each inquiry listed.

I demand that Equifax provide verifiable proof of authorization for these inquiries, specifically by producing original consumer contracts with my signature. Without such verification, the FCRA mandates the removal of unverifiable inquiries to avoid negatively impacting my creditworthiness.

The unauthorized inquiries on my Equifax report are as follows : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/year> Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I respectfully request that the CFPB investigate why Equifax has not removed these unauthorized inquiries and ensure Equifaxs compliance with the FCRA by promptly verifying or deleting these inquiries as required by law. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate and authorized information on my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have called Santander, filed a complaint with the XXXX  regarding releasing my title. Which was included in a Ch. XX/XX/XXXX Bankruptcy, with a Successful Discharge in XXXX. It is currently XXXX and my title is still in the name of Santander.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} to crypto.com. I changed my mind and didn't want to buy cryptocurrency. They won't let me withdraw my USD funds. They say I have to wire transfer another {$1000.00} in order to withdraw my initial deposit. They say it's for security concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with USCB Corporation for account number XXXX. They did not provide me with the original contract as I requested.
Product: Debt collection

TOOK A XXXX LOAN OUT MADE A FEW PAYMENTS BUT I LOST MY JOB, MY HOME, MY CAR. I COULD NOT AFFORD THE PAYMENT. I TOLD COLONIAL FINANCE IN XXXX I COULD NOT. THEY CALL MY CELL AND WORK EVERYDAY. MAIL LETTERS, COME TO MY HOME. AND NOW STALKING ME AT GAS STATIONS. I CRIED AS SOON AS I GOT INTO MY CAR OUT OF EMBARRASSMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by Infiniti Financial Services. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 Infiniti reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by Infiniti and at the suggestion of Infiniti used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. Infiniti credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that Infiniti reported me to the credit bureau ( s ) as being 30 days late. I contacted Infiniti and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, Infiniti has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Credit reporting or other personal consumer reports

Attn : General Counsel. please review attached documents below. I am sending this letter in to request payment for arbitration filing fees with the XXXX and the fee is {$220.00}. I have attempted multiple times to resolve the issues I'm having regarding the XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's on my consumer report. My consumer rights are being violated or have been violated by the reports. I'm seeking deletion of both accounts from my consumer report and also, monetary relief for the many consumer rights violations, financial hardship, damage, and emotional stress caused. My invoice will be attached to this letter showing the full amount I'm seeking to resolve this issue. I will also be sending this in certified mail.
Product: Debt collection

Dear leafy financial, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Bank account or service

my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Bank of America, I ask bank of America to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, I need help
Product: Credit reporting or other personal consumer reports

I paid my credit card balance in full with my XX/XX/2023 payment. 
I called the customer service # after my payment posted and my balance was {$0.00}. I asked for my account to be closed due to several issues with this company and no longer wanting to do business with them. I was told notes were made and they would close my account. 
In XXXX I received a statement for {$2.00}, even though my balance was paid in full and my account was supposed to be closed. I called customer service & they said there was a minimum charge of {$2.00} for having the card. I was escalated to a Supervisor for further help. The supervisor apologized and said the balance would be credited back to {$0.00} ( paid in full ) & my account would closed. They also said they'd send me a letter & email to document everything. The exact same thing happened again in XXXX. the statement this time was {$6.00}. I called customer service again and asked for a Manager. I was told the same as before, however this time they told me to pay the balances & they would credit them back to me once everything was updated correctly. I was very worried about this being incorrectly reported to the credit bureaus and negatively impacting my credit score and they assured me it would not. 
I scheduled the payments for XXXX & XXXX. 
The same thing continued to happen in XXXX & XXXX. 
I called again and spoke to a Manager. They confirmed they were working on my account. They weren't sure why it was taking so long but would escalate my case & have a higher up manager call me. My payments I made had not been taken from my account & still showed as pending. I was told It was because they were in the process of being reversed & that's why they still showed pending. Again, I was promised not to worry nothing would be reported because I was not in default. Just to be safe I also scheduled the payments for XXXX & XXXX. 
A Manager never called me!! I've never received any documentation as promised. 
In XXXX they reported me to the credit bureaus as XXXX or more days late! My credit score was greatly impacted. I went from XXXX to the low XXXX 's. My Husband & I were preparing to apply for a Mortgage & because of this, we aren't qualified now. 
I called the company again and talked to a manager. They said my account was updated and I now have a negative balance. The payments I scheduled were all canceled, as I didn't owe anything. They said they would contact the credit bureaus immediately & correct the inaccurate information that was reported. They apologized and again promised my account would be closed. They promised to mail & email me documentation of the correspondence with the credit bureaus as well as proof of a closed account. 
I've never received any documentation as promised. 
They still have not closed my account & they have not updated the inaccurate information they reported, with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I reviewed my reports and noticed that I had to late payments on an account that I was never late for. Consumer reporting agencies I assumed the vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been laid on payments for the account ( XXXX XXXX XXXX  XXXX XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided demand the payment XX/XX/year> be updated on time as they should as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving calls from a company who claims to be called SIMM Associates. They ask for different peoples names. They say its regarding a personal issue. They dont reveal much more than that. Ive told them to remove my number and to no longer contact me. They hang up each time I tell them to stop calling me. They clearly have the wrong number or a scam. I will be contacting my attorney on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My ex-fianc added me as an authorized user on her XXXX XXXX XXXXXXXX credit card without my permission. I never used the card ( or even received XXXX ) and now it is in collections hurting my credit. It is also important to note that I have no way of contacting her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/21, XX/XX/21, XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.