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

Re : This is my third written request To Whom It May Concern, Why do you continue to violate my rights as a consumer? 
Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove my extended fraud alert, consumer statement and security freeze.
Product: Credit reporting or other personal consumer reports

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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. 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. 

Please Delete these accounts listed below : XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I was sent {$2500.00} from my cousin in law XXXX XXXX via PayPal to pay for my property tax. I received the money which was sent as a personal payment and 30 minutes later the account was frozen and I could not access my money. His bank did not file a claim nor have I ever had suspicious activity so I was confused. I complied and my money is still on hold. His PayPal as well as the XXXX account in which we responded is verified. I feel like they are holding my money to gain interest in their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a request for updated personal information was sent in to TransUnion. 
XX/XX/2021 after obtaining an updated credit profile it was brought to my attention that someone else 's information has been reporting on my credit profile. 
XX/XX/2021 Transunion was sent a failure to update P.I letter. CM : XXXX. 
XX/XX/2021 I filed a compliant with the CFPB Complaint ID : XXXX
Product: Debt collection

I am writing to formally lodge a complaint against Self/Lead Bank for their continued actions that have harmed my credit profile despite my clear request for them to cease communication and reporting. On XX/XX/year>, I sent a Cease and Desist letter to Self/Lead Bank , requesting they halt any further contact and the reporting of negative information to the credit bureaus. Despite this formal request, Self/Lead Bank has proceeded to make negative remarks on my credit profiles, which I believe is a direct violation of my rights. 

Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for any creditor or debt collector to continue communicating with an individual after they have issued a valid cease and desist letter, especially when it pertains to actions like credit reporting. Section 1692c ( c ) of the FDCPA mandates that, once a cease and desist request is made, the creditor must stop communication except for specific situations such as notifying the consumer of legal action. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that all information they report to credit bureaus is accurate. By continuing to report negative information after receiving my Cease and Desist letter, Self/Lead Bank may also be in violation of Section 1681s-2 of the FCRA, which outlines the responsibilities of furnishers of information to ensure the accuracy and integrity of the data they report. 

I request the CFPBs intervention to investigate these actions and ensure that Self/Lead Bank is held accountable for their failure to adhere to the law. I demand the immediate removal of any inaccurate or harmful credit reporting, as well as appropriate measures to prevent future violations. I have included a copy of the Cease and Desist letter for your reference, as well as the relevant credit reports showing the continued negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

# CashApp has sent me two cards ( and I assume has opened two accounts ) without my authorization. Im a victim of identity fraud and have all my credit reports frozen. I dont understand how they could have opened the first account, but shouldnt they have been suspicious when they opened another account in my name a day later?!?
Product: Checking or savings account

I have my checking account with Bank of America. Upon accessing my account via ATM a week ago, I discovered significant funds missing. It turns out two checks were forged for my account, including one for over {$31000.00}. I have been trying to talk to BofA 's fraud department for a week, and I have been getting the runaround repeatedly, including not responding to my repeated requests to see a copy of this forged check. The bank keeps telling me " it's under review '', but I get no assistance to resolve this situation in an expedited way, given the bank, as XXXX XXXX, is liable for clearing a fraudulent check. This amount of money is extremely critical for me as an XXXX-year old woman.
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for WFDS to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX
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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX/ XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX -- - AFFIDAVIT I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, and reachable at XXXX, do hereby declare and affirm the following under the penalties of perjury : XXXX. I am the affiant in this matter and have personal knowledge of the facts stated herein. 

XXXX. I assert that fraudulent XXXX XXXX XXXX and XXXX accounts have been erroneously linked to my credit profile, and I categorically deny authorizing or owning any such accounts. 

XXXX. I have diligently pursued resolution through official channels and have filed an FTC Identity Theft complaint under reference # XXXX. Additionally, I have submitted numerous complaints to the Consumer Financial Protection Bureau ( CFPB ), all of which confirm my non-authorization of the aforementioned accounts. 

XXXX. It is crucial to note that the said accounts, identified as XXXX XXXX # XXXX and # XXXX, were previously deleted from my credit profile, further supporting the acknowledgment of their fraudulent nature. 

In light of the above, I hereby affirm the veracity of the contents of this affidavit to the best of my knowledge and belief. 

Executed on this XXXX day of XXXX, 2024. 

__________________________ XXXX XXXX -- - Both accounts were previously deleted by Experian, then reappeared. 
XXXX  XXXX Dispute # XXXX / XXXX. 
These are not my accounts please re-delete.
Product: Credit reporting or other personal consumer reports

Good afternoon, I am writing to you because I have noticed that I have a certain number of inquiries on my credit report because they have been unauthorized. The inquiries that I need you to delete are the following : XXXX XXXX it was made on XX/XX/XXXXXXXX JPMCB it was made on XX/XX/XXXXXXXX XXXX XXXX XXXX  it was made on XX/XX/XXXX XXXX XXXX itwas made on XX/XX/XXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX it was made on XX/XX/XXXX JPMCB it was made on XX/XX/XXXXXXXX XXXX  XXXX it was made on XX/XX/XXXX JPMCB it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The national consume reporting agencies collectively have been reporting erroneous claims on my consumer report that have been detrimental to my credit worthiness and oppressive financially. 
According to the FCRA 15 USC 1681a ( 4 ) consumers have a right to privacy and there is a need to ensure that consumer reporting agencies respect that right to privacy. Additionally a consumer report can only consist of information that these companies have a permissible purpose prescribed by law thats verifiable and I have not seen such. If I have ever given consent for any of the disputed accounts to report I revoke that consent and do not wish to continue to allow neither the consumer reporting agencies nor the corporations to report this against my will as they are detrimental to me operating in commerce. Credit reporting has been ruled an attempt to collect a debt as well. Any further reporting will be seen as violations of both FCRA and FDCPA. 

Please see the attached letters that were manually mailed directly to each reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX  XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

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

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

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

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.
Product: Checking or savings account

My name is XXXX XXXX I cant enroll in XXXX with email XXXX XXXX XXXX when I try those emails I get a error message saying please try enroll again later and for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and same for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and when I called in they say my XXXX feature account was restricted I dont know what for and I need it to be unrestricted or unblocked or both I didnt do nothing wrong to get it restricted or blocked and when I try to use a email to enroll in XXXX at Wells Fargo it say we apologize for inconvenience please try again later etc and this We couldn't enroll XXXX. Please try again later. at Wells Fargo please fix my issue etc.