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

I demand the removal of all fraudulent hard inquiries from my Transunion credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is passed 7 years old i have tired to settle a price with the debt but the company XXXX XXXX XXXX decline my offer, by law if amount is denied the debt is no longer valid. And should be taken off my credit
Product: Student loan

I have multiple student loans ; I have an XXXX Degree from XXXX College in XXXX, N.J., a XXXX Degree from XXXX XXXX College in XXXX, N.J. After my job was outsourced I decided to make a complete career change and go to XXXX XXXX College in XXXX , N.J. to become an XXXX, I made it all the way though school but was unable to Graduate due to financial issues- I need several hundred dollars to take a final test and independent study course and {$200.00} to take the XXXX exam. I simply could not afford those tests ; I was having minor health issues and I have been experiencing financing hardship. I would have preferred to make a small monthly payment instead of putting my loans into forbearance but I was told that forbearance was the best option for me. The interest on my loans has increased by about XXXX dollars in the past 4-5 years. How is that even possible? I am only working part-time. I have been trying to find a better job for over two years. However, my car is over 20 years old and is very unreliable, so my options are limited. Further, when I do find a job I ca n't see how I will ever be able to make my student loan monthly payments- which at this time are almost {$800.00} per month. I now regret taking out the loans and I feel like I was misled. I believe that XXXX/Navient purposely steered my toward forbearance, even though they were fully aware that interest on my loans would greatly increase, making it impossible for me to ever afford repayment.
Product: Credit reporting or other personal consumer reports

recently pulled my credit report on or around XXXX XXXX and discovered inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in the light of recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

I am a XXXX who is XXXX. I currently own a XXXX home with my sister who works with me. We purchased this house XX/XX/XXXX and had a mortgage with XXXX who sold it to Wells Fargo. XX/XX/XXXX I was taking care of my mother who was XXXX and had XXXX. She became worst XX/XX/XXXX and was XXXX. While visiting her in the hospital I fell and XXXX was out of work for several weeks. My mother then passed away XX/XX/XXXX. The day before her funeral my sister had a XXXX which put our XXXX back further. XX/XX/XXXX we were tring to recover but my sister had XXXX and was again out of the office. 
I have submitted all this documentation to Wells Fargo including our business info and they denied our modification saying my income was XXXX a month when I only claimed XXXX per month on my taxes. In addition they are giving us only 30 days to pay our back payments. I have repeatedly called them to find out what is the amount we need to reinstate the mortage. 10 days have already passed and I still have no ans. This is unfair to us because we can not respond until we have this information. I have spent hours getting out information to them and they have delayed in providing information to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries, from the Merchants XXXX XXXX XXXX XXXX XXXX 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: Student loan

While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance with FLORIDA FCRA Identity Theft Fraud Laws Dear CAF, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which violates both federal and FLORIDA state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as FLORIDA identity theft fraud laws.

It has recently come to my attention that CAF has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. This action directly contravenes federal law, which mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ) of the FCRA.
Furthermore, FLORIDA state laws, particularly those outlined in the FCRA and identity theft fraud statutes, underscore the necessity of consumer consent for credit reporting and the severe penalties for unauthorized access and misuse of personal information.

I wish to make it unequivocally clear that I have not granted consent for CAF to report any information to my credit report. This lack of explicit permission represents a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and demonstrating a complete disregard for federal and state regulations.

Therefore, I demand that CAF immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and FLORIDA identity theft fraud laws. Failure to comply within the allotted 30-day timeframe will be considered willful noncompliance and may incur penalties under applicable laws.

Obtaining consent is not optional but a legal obligation under the FCRA and FLORIDA state laws. This is not negotiable ; it is a demand for adherence to both federal and state regulations, safeguarding consumers such as myself from unauthorized and detrimental credit reporting practices.

I anticipate your prompt attention to this matter and expect that CAF will take immediate steps to rectify these violations, thereby respecting my rights under federal and FLORIDA state laws.
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Money transfer, virtual currency, or money service

( BLOCK , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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: Credit reporting

Asked to have inquires removed stated as fraud. Investigation performed stated I would need to call each company & deal with them directly.
Product: Credit card

This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?
Product: Debt collection

I SENT A LETTTER ON XX/XX/year> ASKING FOR VERIFICATION OF DEBT THE LETTER SENT IN THE MAIL IS NOT VALIDATING THE DEBT & IT SHOULD BE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was also reported to the federal trade commission.

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items.
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

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

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer.

NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Mortgage

Guild Mortgage has failed to remove my mortgage insurance, despite my mortgage balance dropping below 80 % loan to value.

Guild mortgage consistently under pays my taxes, by amounts less than one dollar.

Guild Mortgage has failed to pay my homeowners insurance, despite it being due on XX/XX/2023. They sent payment on XX/XX/2023, after policys due date. That payment has still not been received as of XX/XX/2023 and I had to pay an additional 2 months premium in order for my insurance not to be cancelled. I have made a total of 9 calls to customer service, starting on XX/XX/2023. That is the date I recieived notice from my insurance company that the payment had not been made. Despite informing guild mortgage on XX/XX/2023 they did not make payment till XX/XX/2023. they did not overnight the payment and it has no tracking. They are grossly incompetent with my escrow.
Product: Mortgage

I set up automatic payment on my account and to my surprised I was marked late several times after calling in to speak with someone to correct payment error and fix the problem the company wouldnt correct the wrong reporting.Im upset and wished I never use this bank for finance on my loan
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to customer service & unfair practices, which violates the ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
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 protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 Regulations E. These actions have caused significant inconvenience and financial lost, and I see appropriate redress for these violations.
Product: Debt collection

Company is repeatedly calling me at all of my phone numbers multiple times ( more than XXXX times in a row, XXXX after another ) and never leaving a message.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is allowing Portfolio Recovery Associates to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called PRA, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this information to be taken off of my credit since its from 2013! Its more than 7 years old but keeps reappearing and updating on my credit and damaging my current profile.