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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$16000.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing happened, as usual. Equifax is the only CRA that fails to send me my free annual credit report every year I request it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

Experians Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, someone used my information to apply with Tenant Data. I called to figure out why and the information on the application and my real information do not match.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

For the charged off XXXX XXXX account ( ending in XXXX ) I requested the XXXX form to validate the debt was canceled. Upon receiving the XXXX form I noticed that the account number reflecting on the form ends in XXXX my XXXX XXXX account ends in XXXX, how can this account be verified if they are ending in different account numbers? Either XXXX XXXX made the error and did not send the correct form for the proper account or they do not have one which would make the reporting of this charged off account fraudelent. I have previously disputed this account with XXXX and they verified that the investigation could not be completed due to the form having the wrong account number listed. They stated that the XXXX XXXX account number and the account number written on the XXXX form are different. So with that being said either XXXX XXXX did not send the correct XXXX form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. Because the account numbers are both different by TransUnion and XXXX and XXXX XXXX this means the account has not been properly verified. This account is being reported in error and must be removed from my consumer report immediately. 



XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX
Product: Consumer Loan

I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.
Product: Vehicle loan or lease

I would like for these hard inquiries to be removed because I did not authorize these companies to run my credit. That's fraudulent
Product: Debt or credit management

This is in my credit report and this company closed my account and got a write off I never received a 1099c and u can not report taxable income on a credit report I asked that this please be removed I disputed it several times and no luck
Product: Credit reporting or other personal consumer reports

I disputed multiple inaccuracies on my credit report with Equifax, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as bankruptcy reporting. Equifax failed to provide tangible evidence verifying these accounts, neglected to disclose the source of bankruptcy data, and did not ensure the accounts were updated to reflect " Included in Bankruptcy '' or " Discharged in Bankruptcy. '' Their investigation was incomplete and violated the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), 1681e ( b ), and 1681i ( a ) ( 5 ). This inaccurate reporting has negatively impacted my credit score, and I demand the removal of unverifiable information and accurate updates to my report.
Product: Credit reporting or other personal consumer reports

The loan has already been sold Did not provide 1099C approval 15 U.S.C. 1601 et seq.

15 U.S.C. 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to apply for credit accounts without his consent. While these applications were denied inquiries into his credit were made based on those applications. One of these applications was submitted to XXXX XXXX ; an official dispute of this application and inquiry was sent to Pay Pal certified mail with return receipt however Pay Pal has not responded to the request given to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a check for XXXX at XXXX XXXX for groceries only to have the store DECLINE my check because of CERTEGY 's denial of my check ... ... ..i was given NO reason as to the decline of my check and upon trying to contact Certegy you could only get an automated response ... ... when i asked XXXX XXXX to contact my bank to verify the funds/check they REFUSED because they said they couldn't override Certgy 's denial ... ... .when i CALLED my bank to have them verify the check and funds the manager of XXXX XXXX REFUSED to take the call ... ... ... .i have ALWAYS prided myself on NEVER EVER have written a bad check and having an EXCELLENT credit rating ... .i have ALWAYS paid my bills on time and in FULL and that includes ALL credit card amounts ... .I just moved to AZ and purchased a {$520000.00} home WITH CASH, i have NO mortgage and only owe a little over XXXX on two loans ... ... .Certegy has YET to provide a reason to me for DENYING my check.
Product: Credit card or prepaid card

Someone stole my backpack in XXXX my cell phone can not report the card at the time I had no internet or money it was a caoz they stole from my XXXX chime credit car. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2800.00} Dear XXXX XXXX, XXXX completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 
The disputed amount, {$2800.00} will be included in the payment amount due on your next statement as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

This organization is in violation of 15 USC 1692 Subchapter V. Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. XXXX is in violation of Privacy Act of 1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.
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 : XXXX  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: Debt collection

The account was opened on XX/XX/year>. The company says that the account was opened using my social security and date of birth. The account was opened in another stat. I disputed the information in my credit bureaus.
Product: Money transfer, virtual currency, or money service

In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/2020, XXXX  shows XX/XX/2020 and XXXX  has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the recent lawsuit involving Zelle and its failure to adequately protect its users. As a frequent user of Zelle, I have personally experienced situations where discrepancies occurred in my transactions, which I promptly reported to my financial institution. Unfortunately, these reports were not investigated thoroughly, leaving me without recourse or resolution. 

It is deeply troubling that Zelle has consistently neglected customer protection and allowed repeat offenders to exploit its system. This lack of accountability undermines consumer trust and puts individuals at risk of financial harm. Despite its widespread use, Zelle has not implemented sufficient measures to ensure that fraudulent activity is addressed effectively, nor has it held itself or partnering financial institutions accountable for investigating reported issues. 

I urge the CFPB to take strong action to hold Zelle and its participating institutions accountable for these failures. It is essential that Zelle implements robust safeguards to protect users, enforces stricter oversight of financial institutions investigation practices, and prioritizes consumer restitution in cases of fraud or error. 

Thank you for addressing these concerns. I appreciate your continued advocacy for consumer rights and protections.
Product: Debt collection

The company LVNV FUNDING ALSO KNOW AS Resurgent Capital Services has been calling multiple times consistently. I requested a contract or a agreement signed by all parties involved and they were not able to provide. but continue to call. I've ask for it to be removed. under federal regulation they should not be harassing me with multiple calls or threats. the amount on my report {$1400.00}
Product: Consumer Loan

I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Delivered Transunion failed to completed investigation of dispute that was opened and was set to be completed by XX/XX/year>. Just 6 days prior to the 30 days investigation window, Transunion made the dispute disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/year> Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX Direct disputes. 

( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Product: Mortgage

I requested PMI be cancelled on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, I requested a statement showing what my previous PMI payment was prior to it being cancelled. I never received a response. I also called to obtain that information but the representative I spoke with could not tell me. After cancelling my PMI I expected my mortgage payment to be slightly reduced, but I have continued to pay the same amount ( XXXX ) for XXXX, XXXX, XXXX and XXXX. I have been unable to get answers from the Loan Servicer. None of my statements reflects the amount of PMI I was paying. I don't understand why no one can tell me how much I have been paying in PMI. I should be owed a refund of any PMI payments that I have made after PMI was cancelled. I filed a complaint with the XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, but have yet to receive a response even though the deadline was XX/XX/XXXX. After filing the complaint I interestingly enough did receive an escrow analysis document informing me that my payment would be increased beginning in XXXX. But that still does not account for the payments I have made this year that apparently included PMI even after it had been cancelled. My mortgage is currently serviced by Lakeview Loan Servicing.
Product: Money transfer, virtual currency, or money service

My cash app has been open for almost XXXX year Recently I followed a dispute on my account upon the dispute on my account I was contacted by cash out support and asked to verify my identity. Once I got the notification because I knew my cash applic initiated and completed call with the cash up customer support agent and they said that I have nothing to worry about approximately XXXX week later I receive the restaurant cash or support me back up all the time have been closed and I will have to sell all stocks because I wasn't able to verify my identity. I was also contacted by class after for it if I can do that I had XXXX 's returns of service and no terms of service provided because anything they asked for it was done in my account had already been verified just as the agent made me aware it was verified. This is XXXXXXXX XXXX because now I lose a lot of interesting customers I use my cash up account for business transactions if I was making a new cash check basically it's a part of me or something like that will feel scammed.