23daVinci/CFPB_Complaints huggingface dataset:
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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX to get proof of application they never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit card

A unathorized charge was charged to my account and Amex refuses to issue credit. This charge is unauthorized and therefore not legitimate. This is because a booking was made in error by a person not unauthorized to use this card. This error was due to my card number being saved in a website ( XXXX ) the person did not realize my details were saved and subsequently made the charge. When this error occurred I immediately contacted the merchant to cancel the charge or refund. Despite all good effort to work with the merchant on this issue we were not successful as they refused to return phone calls to rectify the error. 
During the dispute the merchant provided American Express a copy of the bill/invoice. I would like to state that this should no be counted as supporting documentation as this merely shows that my card was charged for the said amount and does not show I authorized this charge. We already know my card has been charged for this amount so a copy of a bill is irrelevant to my claim of an unauthorized charge.
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 XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

REgions bank just frozen my funds on my checking account on XXXX XX/XX/2023, so i can not move it... i have tried to reach them via online channel but they do not want to help me, i can not visit branch cause i have issues with my health! i opened online banking so they should resolve my issues via online channel as well!
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Debt collection

On XX/XX/XXXX I received a letter from Portfolio. The letter states that I owe XXXX XXXX {$900.00}. Account # XXXX. I filed a dispute in XX/XX/XXXX regarding this matter. This issue is dead ... I do n't remember this bill, and if I did { XX/XX/XXXX} it is out of the statue of limitation in the state of CA. I do n't want their error on my credit report. On XX/XX/XXXX there was an soft inquiry ran by Portfolio. They were running XXXX or XXXX soft inquiries a month for years. Please leave me the XXXX along. No more calling from different phone numbers.
Product: Money transfer, virtual currency, or money service

Started XX/XX/year> XXXX telegram {$1.00} they charged my card XXXX in less than an hour costing me $ XXXX cashapp refused to refund me I spent weeks trying and filing disputes always getting the same answer and you can clearly see it was a hack on my account and when I locked my card they still continued to try. They drained my entire account
Product: Debt collection

Contacted Portfolio Recovery Associates, LLC once I noticed that they had placed TWO negative items on my credit report for credit cards that I dont recall having. I contacted them and asked them for information, I wanted them to verify information. I called and then I sent a letter asking for this information and as of yet, many months since I sent the letter ... they have not responded. 

I've read through some of the other complaints and it seems that this company piles on debts on people 's credit reports without checking if it's really theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently viewed my report and noticed some accounts that I have never had or signed up for. These fraudulent accounts are affecting my credit and ability to purchase a home
Product: Debt collection

I was XXXX sided with with a collection account from Property Receivables Corp ac # XXXX reporting to XXXX. It is unlawful to report negative information to my credit report without giving me an opportunity to validate debt of pay prior to reporting. The FRCA states that I must receive a notice of collection which I never received. I need assistance getting this removed from my credit report and allowing me my rights within the law.They are not complying with FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; OSLA account shows XXXX balance ; Has been reported as delinquent to all 3 credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with Equifax and XXXX There is inaccurate information listed on my account with XXXX XXXX XXXX. The company is stating that I XXXX + dollars to them. I have never been extended credit from XXXX. However, In 2015 I did have a car repossessed by XXXXXXXX XXXX. The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and XXXX refuses to show me proof of what I owe. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX    They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of my intent to opt out of any and all credit reporting and information distribution activities conducted by secondary credit agencies. This request is made in accordance with 15 U.S.C. 6508, which allows consumers to opt out of the sharing of their personal information by such agencies. 
I hereby request that the following agencies cease all use, collection, and distribution of my personal information : Advanced Resolutions Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that these agencie

s may be in violation of the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) by unlawfully accessing, using, and distributing my personal information without my explicit consent. These actions infringe upon my privacy rights and the legal protections afforded to me under the aforementioned statutes. Opt-Out Request : Under the provisions of 15 U.S.C. 6508, I am exerci
sing my right to opt out and request that these agencies : Immediately Cease : Stop all use and distribution of my personal information. 
Confirm Compliance : Provide written confirmation that my information has been removed from their systems and that no further access or distribution will occur. 
I request that the CFPB investigate this matter and take appropriate action to ensure my rights are upheld. I also ask for guidance on any additional steps I should take to safeguard my privacy and enforce my opt-out request effectively. 
Please acknowledge receipt of this letter and provide confirmation of the actions taken in response to my opt-out request. I appreciate your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate items on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so these item should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong persons hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
Product: Debt collection

XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped
Product: Prepaid card

Back in XXXX, I learned through XXXX that RushCard would be updating their system on XXXX XXXX from XXXX - XXXX. The RushCard post advised that you take out money just in case. I did not, because I felt that I had no immediate need for my money and a day or XXXX without, I could survive. 

Well, now it 's a week later and I still do not have access to my funds. It may seem like pennies to most, but I am the wage earner for my family of XXXX and EVERY penny counts. 

The lack of information regarding when RushCard will be fully functional and the encouragement for you to call, email, or message your info and someone will get back to ; only to receive a text about waiving fees and no further information about when everything will be back to normal. 

My husband and I have XXXX children, an XXXX XXXX old and a XXXX old and without having access to my money I was not able to properly feed the over the weekend. Do you know how had it is to get my XXXX child to eat something different? Let 's just say I could not wait until the weekend was over so he could be in school for breakfast and lunch ( FREE ) and eat what he is accustomed to. Dinner tonight is another story. 

If it were just me, you would n't have heard my complaint. But this is affecting my family. 

Sincerely, Head of Household
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial practices act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform on there platform leaving accounts leaving my vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Wells Fargo has failed to comply with the FCRA rules in reporting. I have closed my account. I requested verification and they failed to verify and to remove. Not only they failed to close my account properly. they reported inaccurately. I have disputed this with them and they refused to do the right thing and remove it. Please take a snapshot at this document I am enclosing as it supports and demonstrate the amount of inaccuracy they have done. inaccurate balance reported in accurate open date in accurate disputed information in accurate the rules says that their reporting has to be 100 % accurate if this is inaccurate how do you guarantee that their slander is true. see for yourself. they should be penalized
Product: Credit reporting or other personal consumer reports

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

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

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

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

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting

I have a bankruptcy listed on my report that was previously dismissed due to mismanagement by XXXX. The case was not well handled.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : [ XXXX ] XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, or provided written authorization or any permissible purpose. since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization or any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : As such, under 15 U.S Code 1681, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general.

if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW COMENITYCAPITAL/PETCOMC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX