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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX  XXXX about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response
Product: Credit reporting or other personal consumer reports

Data breach of information from 4 different companies. My information on all three credit reports are not correct.
Product: Money transfer, virtual currency, or money service

I filed a dispute through XXXX  and XXXX. I sent money through cash app. Cash app has blocked my account which they owe me XXXX dollars that they refused to refund. I sent in XXXX on XX/XX/XXXX for some clothing items which was two pair of shoes and two outfits a dress and a sweat suit two piece. Its been a month and I havent received my merchandise. I purchased a short and pants. I returned the items for a smaller size I was sent confirmation that the company received the item on XX/XX/XXXX at XXXX ; XXXX ( XXXX ) still I have not received my item. Could you please help me get my money from XXXX and Cash app and XXXX! This is a wrong and against the law ....
Product: Mortgage

I applied for a home equity loan in XX/XX/year>. I specifically asked if this is a loan they offer. After XXXX months of sending requested information be scanned and additional information requests, they tell me I dont qualify as they dont do equity loans for investment property. 
After I SPECIFALLY asked if this is a loan they offer. 
They asked for all the information on the mortgage for the house I occupy, they should have made this clear NOT XXXX MONTHS LATER!!!! 
XXXX Months of wasted time and energy to get them all they requested. 
I am a professional and I would never get away with this treatment in my organization. 
I am looking for answers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

These accounts must be removed from all three credit reporting companies ( Equifax, XXXX and XXXX ) for violations under the federal laws listed above. 

XXXX XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Product: Money transfer, virtual currency, or money service

PayPal holding back Consolidated joint General account information Merchant bank and processor information Credit card and billing information After XXXX XXXX XXXX And XXXX XXXX XXXX generational family survivors XXXX XXXX XXXX XXXX , Louisiana XXXX complete the signup process, paypal begin configuring and managing service ( s ) within the PayPal Manager, false advertising shadowing work history our online business and service management portal PayPal system accountability maintenance employment professionals promotions Wage and labor investment and good will donations Approval by XXXX XXXX USA holding Annual w2 Retirement update employees employment permanent 401k, Insurance injuries FMLA and pay rate and beneficiaries Dependents Insurance classification verification status years ended XX/XX/XXXX on XXXX XXXX XXXX born XXXX XXXX married to XXXX XXXX XXXX And Dependants Annual address XXXX XXXX XXXX XXXX , Louisiana XXXX update public storage systems accountable systems attached letters of Hornable Discharge awarding Home manger youth development Property Manager XXXX XXXX XXXX XXXX XXXX Birthday errors corrections Now on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

I submitted dispute letters to Experian regarding multiple inaccuracies on my credit report. These disputes were sent more than 30 days ago, and I have not received any response. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of consumer disputes and respond within 30 days. Experians failure to respond not only violates the FCRA but also infringes upon my rights as a consumer.

Moreover, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for engaging in sham investigations and failing to properly handle consumer disputes. This raises serious concerns about whether my disputes were even reviewed or investigated at all. Experians failure to respond suggests that my disputes may have been discarded, further violating my rights under the FCRA.

Experians actions ( or lack thereof ) have caused me unnecessary frustration and prevented me from obtaining an accurate credit report, as guaranteed under federal law. I request immediate action to rectify this issue by conducting a thorough investigation of my disputes, removing any inaccurate or unverifiable information, and confirming these actions in writing.
Product: Credit reporting

on XX/XX/XXXX the collection company " XXXX '' was removed from my credit report due to a credit dispute that i initiated. Upon looking over my credit report XX/XX/XXXX I have noticed that the collection was placed back on my credit report by Equifax without any notice to me at all of the collection be placed or going to be placed back on my credit report.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX failed to provide correct opening dates XXXX XXXX XXXX XXXX XXXX failed to provide correct opening dates XXXX XXXX XXXX failed to provide correct opening dates XXXX
Product: Checking or savings account

On XX/XX/XXXX  I contacted BMO customer service and requested that my accounts be frozen because my purse had been stolen out of my car. Several hours later someone using my ID deposited two forged checks totaling {$8700.00} into my savings account and then were allowed to withdraw {$7000.00}, even though my accounts should have been frozen. Since then my account has actually been frozen and I have had XXXX access to the amounts in the account. I have spent at least six hours making various phone calls to customer service. I was finally given an Affidavit of Forged or Altered checks form but have been unable to send them the form because the email customer service gave me is incorrect, even though I tripled check with them the email. I've currently been on hold with customer service for the last 45 minutes, so now I am at seven hours of my time wasted for their mistake. I was also told that their investigation can take up to 190 days, which means I have no access to the funds that were in that account. It has been almost thirty days and I still am unable to even get them to start the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair credit reporting act XXXX  accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy.

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card

I had canceled and payment because i knew that i was n't going to have the money in my account but capitol one still tried to take the money out which mean it was an returned payment and they closed my account said it was closed to returned payment and could not be open and i am not able to get an account with them again. now they reported this to my credit report and said i had to pay the remaining balance and i paid the balance it was XXXX and i am not able to get anything anywhere else because they still show that it is not paid for and they wont do anything to report that they closed my account in error i tried calling and they hung up on me i call back and the first person always says they see they see what i am saying but then i always get transferred and the person they transfer me to say they cant do anything about it. but i know they can. they can at least report that they closed it in error so it wont mess up my credit. I just want to know why they would n't do anything bout it and i been calling since
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter back from XXXX XXXX Fraud Aversion indicating that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX ( NEW ) Account number : XXXX
Product: Credit reporting or other personal consumer reports

I requested that the items listed be investigated thoroughly and proof of my involvement with the account be presented, but received no response.
Product: Credit card or prepaid card

XX/XX/XXXX - Paypal-Prepaid, Paypal, XXXX XXXX interference. 
XX/XX/XXXX - Group public interference, psychologically stalked by them since sometime in XXXX. 
XX/XX/XXXX - Successful use of activated card and App. 
XX/XX/XXXX - Manipulation of online notification and available features ( account settings ), 2 accounts. 
Denied instant transfer ( 5th day ... XX/XX/XXXX ) XX/XX/XXXX - Denied use of Paypal Prepaid 's Paypal balance, a Mastercard insured service. Prompted to call Paypal. 
XX/XX/XXXX - Over-the-phone-misled calls. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Paypal App manipulation discovered. Same pattern. 

https : XXXX - Objectives were clear. It's only to these accounts ... I'm noticing they as the organized crime group simulating understandings in brainwashing techniques using website technology tools of their company to force thought. Abridgements are several. 

Ongoing ... XX/XX/XXXX-XX/XX/XXXX account they may attempt to use ... if so, dates of stalking would begin during that year. The bully may also include an employment disability Judge, a calm ally.
Product: Checking or savings account

OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.
Product: Credit reporting

I contacted XXXX XXXX to request proof of validation regarding to the account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section 623 of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly
Product: Debt collection

NOITICE XXXX XXXX XXXX XXXX/ LAW OFFICES MBA IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXthis merchant is clearly not consistent with reporting my payment history of missed payment amount and percentages payment history as a TOTAL. XXXX and transunion are reporting XXXX different numbers under payment history. It should be XXXX percent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX XXXX credit report that I did not authorize. 
It occurred on XX/XX/2023 and the company 's name is XXXX ( XXXX ) There is a hard hit on my XXXX credit report that I did not authorize. 
This one occurred on XX/XX/2023 and the name of the company is Corelogic Credco XXXX
Product: Mortgage

Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.
Product: Money transfer, virtual currency, or money service

Chase Bank did not provide proper safeguards for XXXX transfers to the public.