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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
2. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that experian to remove old addresses from my report and to delete inaccuracies from my report but i noticed that the old addresses are still on there along with unauthorized inquires i requested to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and XXXX failed to look at the documentation. I reached out to LexisNexis because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my lexisnexis file but fai

led to look at my dispute and remove the inaccurate item. I have attached this dispute to the file as well Just to try it
again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX XXXX but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and XXXX fails to look at the information
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

Ive been a victim of an identified thief for over one year and I see some information or inquiries I dont make. I need these hard inquiries removed as were not authorized by me Name Requested On 3inquiries These lenders have accessed your credit file : XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card

I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. 
This is vital information that is important to know. This information should be on statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

My credit report has delinquent marks on my account while mortgage relief applications during the XXXX pandemic were being processed and I have been approved for {$23000.00} + and XXXX XXXX received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. XXXX pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.
Product: Checking or savings account

My checking account has been frozen since approximately XX/XX/XXXX. I tried to send funds to a different bank via online transfer and then HSBC cancelled the transfer and froze my account. I've called several times and they tell me my account will be closed due to " fraud concerns. '' I have no idea what fraud concerns there are because of course HSBC will not tell me. There is no fraud on the account. HSBC says I will receive a letter in the mail with instructions but I still have not received this letter. Why am I still waiting for a letter in the mail? I don't understand why they can't tell me the issue and what to do. But if they are going to close my account that is fine. Close it and send me my money. There is a significant amount of money in the account ( significant for me ) and I need it. HSBC has frozen my funds for 2 months with no explanation whatsoever.
Product: Debt collection

Portfolio recovery associates At XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing haarm to my credit standing. I am requesting action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), Experian ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.
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 CT IL XXXX # XXXX has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information on my Experian credit report, as outlined below. Despite my previous disputes, Experian has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Your companys failure to properly investigate and correct these inaccuracies has negatively impacted my credit standing and financial opportunities. 



Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic violations, including : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from furnishers without proper verification, and Failing to adequately notify consumers about dispute outcomes. 



These failures align with my experience, where Experian has ignored its legal obligations and continued reporting inaccurate information. Your company has also improperly refused to reinvestigate, citing previous disputes, despite clear evidence that no proper investigation ever took place. 



I am demanding immediate reinvestigation and removal of any inaccurate, incomplete, or unverifiable information from my credit file. Under the FCRA, you are required to conduct a thorough investigation, communicate with furnishers, and respond with your findings within 30 days. If you fail to comply, I will explore all legal options, including filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 



As required by law, please provide a written response detailing the results of your investigation and a corrected copy of my credit report upon resolution. Failure to act in accordance with the FCRA will leave me no choice but to consider further legal action. 



I expect full compliance with the FCRA and a resolution within 30 days from the date of this complaint.
Product: Credit card or prepaid card

Global Cash Card XX/XX/2018ATM Transaction ( Domestic ) Fee AMOUNT {$1.00} XX/XX/2018 XXXX XXXX ( XXXX XXXX XXXX ( A S AMOUNT {$180.00} XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AMOUNT {$1.00} XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$1400.00} This was all reported on the same day as the fradulent purchases They investigated and determined that  their was no error And no credit would be issued
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt is placed on my credit report that was never validated by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX, GA XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect.

To support my claim, I have included copies of my identification and documentation verifying my correct address.

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card

I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees
Product: Credit card

This is bogus I filled out XXXX applications with american express and they call me tell me any rep can assist me witch Is not case leaving me with an secured ref code to make sure im an legit applicant
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to Experian and the company named XXXX/XXXX  directly about the unauthorized credit inquiry that is showing by XXXX/XXXX  but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make Experian and XXXX/XXXX  be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate XXXX/XXXX  with the inquiry date on XX/XX/2020 and have Experian delete the unauthorized inquiry off of my report. Please?
Product: Debt collection

I am writing to formally dispute the collection account placed on my credit profiles by National Credit Adjusters ( NCA ), claiming that I owe {$230.00} to a company named Cash Central. I have no knowledge of this debt and have never conducted any business with XXXX XXXX. I believe this claim is inaccurate, misleading, and unfounded. 

On XX/XX/year> and again on XX/XX/year>, I requested debt verification from NCA via certified mail, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite providing ample time for a response, NCA has failed to provide any proof or documentation that substantiates the validity of this debt. This failure to respond violates my rights under the FDCPA, which mandates that a debt collector must provide verification upon request. 

Given the lack of response and the absence of any evidence supporting this claim, I am demanding that NCA immediately remove this inaccurate collection from my credit profiles with all credit reporting agencies. Continuing to report this unverified debt is a violation of the FDCPA and XXXX subject NCA to legal action. 

I expect written confirmation that this collection has been removed immediately to avoid further damage to my credit standing. 

Thank you for your immediate attention to this matter.