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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CRA is reporting a credit utilization for revolving accounts at 124 % and scoring my account as XXXX XXXX. This is incorrect, my utilization for credit cards is 80 %, my score should be 607 to 627 total debt for revolving is XXXX my limits is XXXX this equals 80 %. the math is easy. They refuse to change, I have suffered a loss with this score and want it changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX ( {$4200.00} ) 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

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, XXXX, Equifax via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from Equifax. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, I disputed an information ( collection account ) on my credit reports as I did not receive any form of communication from the collection agency, XXXX XXXX XXXX. The negative information is still on my credit reports and is causing me to being denied housing as well as being charged higher interest rates & fees. 

I have been disputing this collection account but every time I get informed that the information is accurate. 

I never signed a contract with the collection agency- XXXX XXXX XXXX, so unless the agency shows proof of me having signed a contract with them then the collection account need to be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Money transfer, virtual currency, or money service

Starting in XX/XX/year>, I contacted Cashapp on multiple occasions informing them that there was fraudulent activity on my sponsor 's account. They said they would investigate. After their investigation, they said denied the claim stating I did not verify my identity. I informed them on several occasions and also provided screenshots showing I had verified my identity, and still did not review the claim again. The claim remained denied, although I had provided proof that their reason for the denial was incorrect. I can also provide our email thread.
Product: Debt collection

I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail 3 times since my cease and desist, letter. XX/XX/XXXX and XXXX and again in XXXX of 2022 without providing proof of this fraud account and alleged debt you proceeded to send me a copy of a bill and that was your proof of identifying the debt as mines is by sending me a computer printout of a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, CAPITAL XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed each credit bureau ( XXXX, TransUnion, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from TransUnion stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few hard inquiries that I dont recognize from the past years and recently this year 1 hard inquiry is from XXXX XXXX XXXX, XXXX I Never Gave These People my information in person or over the phone. Another hard inquiry is from XXXX XXXX from XXXX XXXX XXXX I Never Gave This Company no information for me to have a hard inquiry. XXXX XXXX is another unrecognized inquiry on XXXX XXXX XXXX. Also I see a hard inquiry from XXXX XXXX XXXX and Capital one auto finance on XXXX XXXX, XXXX And XXXX XXXX, XXXX were both hard inquiry I dont understand why I have so many hard inquires from Companys That I Never Gave My personal information To. Could I please get them hard inquiries removed so that it wont affect my credit score in the future. Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Checking or savings account

I am trying to close an old account. As I don't have an active phone number on file ( was not required when I set up the account ), Citi Bank have advised only that I must visit a branch to provide ID ( as part of their understandable Fraud Verification process ). 

I have explained that I am unable to visit a branch and am willing to provide any other verification methods ( as I have done before with their Customer Service team ). 

When I tried to explain that I could not visit and do not have a phone registered with them, the agent said " I've already explained that you must come in ''. 

When I asked if there was an escalations process or a regulator, they said there was none. They then hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
TransUnion dates are XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. XXXX XXXX is on here and I am not a student. My credit has been comprised. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Mortgage

I am re-financing my mortgage through XXXX XXXX. My current Mortgage is held by Mr. Cooper/Nationstar. Mr. Cooper charged me a XXXX dollar fee for an expedited payoff request that I never authorized. I called and after speaking to XXXX different people they removed the fee. Then on the next mortgage statement a XXXX dollar fee was added. I have been on the phone with the mortgage company " Mr. Cooper ''. They will not refund this XXXX dollar fee. I never requested an expedited payoff. The are advising that another mortgage company requested the payoff on my behalf. I advised I never authorized that fee. I am currently on hold with them now to get the fee removed. This is horrible customer service and the fee still has not been removed. The fee is only XXXX dollars, but I feel that I should not have to pay a fee that I did not authorize no matter how much it is.
Product: Debt collection

I am writing to inform you that my documents were stolen, and fraudulent accounts, ( associated with Resurgent ID XXXX ) were opened in my name. I have filed a police report detailing this situation. Please find the attached report for your reference. 

Given the circumstances, I request that you remove the fraudulent accounts from my credit report immediately. Failure to do so will compel me to pursue legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX