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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/year> XXXX Subject : Formal Dispute of Bankruptcy Reported on Credit File Dear XXXX Dispute Resolution Department, I am writing to formally dispute the bankruptcy listed on my credit file as it appears to be erroneous and unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I demand immediate action to address this issue.

Applicable Laws Supporting This Dispute : 1. 15 U.S.C. 1681c-2 : This section requires prompt removal of fraudulent information once identified.

2. 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) : Mandates the credit reporting agency to forward relevant dispute information to the furnisher.

3. 15 U.S.C. 1681q : Prohibits knowingly and willfully providing false information to a consumer reporting agency.

4. 18 U.S.C. 1028A : Addresses aggravated identity theft, applicable if this bankruptcy was fraudulently associated with my identity.

My Demands : 1. Conduct a thorough investigation and provide proof of the bankruptcys validity, including the original court order and any supporting documentation.

2. Remove this bankruptcy from my credit file immediately if verification is not possible within the required timeframe.

3. Provide me with the results of your investigation in writing.

I have enclosed a copy of my identification and proof of address to facilitate this process. Please be aware that failing to comply with the laws mentioned above constitutes a violation, and I am prepared to escalate this matter to regulatory authorities and pursue legal remedies, if necessary.

This matter is urgent and must be resolved within the statutory period of 30 days, as required under the FCRA. Failure to do so will result in further action.

You may contact me via mail at the address above or by phone at ( XXXX ) XXXX if you require additional information. 

Sincerely, XXXX XXXX XXXX Please read the laws in this letter not verified read it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current myequifax account and their site will not allow me to manage a credit freeze. The website directs me to an 800 number and when I go through the process it says it can not perform the credit thaw. The phone number then re-directs me to the website. 
This poor customer service and the inability to manage one 's own credit file is totally unacceptable. 
It feels as though Equifax punishes customers who choose to protect their credit by freezing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax numerous times to ask why my credit score is not reporting. They have never answered my question of why my score is not reporting. They continue to say they are investigating it but I never get a response back from them. I personally think someone screwed up my account over there and they are covering it up. This is affecting my business and my personal life because lenders keep asking why can't we see your Equifax score as if I am hiding something from them. I would like to know if there has been some mishandling of my account and if not then why is my score not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, I am writing to have 2 unauthorized hard credit inquiries removed from my credit report. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots where this is located Please have these 2 unauthorized hard credit inquiries removed as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX SSN # : XXXX Date : XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

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

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

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

experian, XXXX  and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATION/XXXXNOT MINE, PLEASE DELETE. 
XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX/DPT ED/XXXX XXXXNOT MINE, PLEASE DELETE.
Product: Checking or savings account

I had a problem with another company XXXX  charging my account so I called Wells Fargo to dispute the charge. 

Now Wells Fargo has locked me out of my account and they are claiming that I did not sound like myself when I placed the phone call yesterday! What I think happened is the bank is retaliating against me because I was angry by the time I got through their endless maze of a phone tree! 

This started XXXX at XXXX - I spent ALL DAY long and placed over 100 phone calls to their customer service which kept ringing to the Philippines XXXX to agents who do not speak XXXX and are not able to help. They kept claiming that their system was down and not able to help. Now today they are running me in endless circles of 1st telling me I have to go into the branch, then they will say no we can help, but then never do. 

They are playing games with including pretending they can't understand the card #, claiming I am using abusive language and then hanging up on me, becoming irate when I become upset on the phone. 

I have been locked out of my account for over 24 hours and their customer service representatives are telling me it that it all depends " on how I treat them whether my account will be turned back on or not '' The level of insanity in dealing with this bank is obscene.
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 rebounder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Will not let me link my bank account for online services ( I.e. XXXX, XXXX )
Product: Debt collection

Settled with a collection agency on XX/XX/2016 but refuse to remove a neg. mark on one of my credit reports. All other creditors Have been settled and neg. remark removed but one.
Product: Consumer Loan

Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove negativity of the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called PNC last week and disputed a transaction for {$92.00} dated XX/XX/2023. So far there have been no issues with the dispute piece. However, I specifically asked to not append a Compliance Condition Code ( CCC ) to my account and to not have the CCC reported. Then, on XXXX, PNC furnished an XXXX-related CCC pertaining to my dispute.
Product: Credit reporting or other personal consumer reports

I did not authorize an inquiry from XXXX XXXX XXXX on Experian. This seems to be fraudulent.
Product: Credit card

Below copy of the letter to Amex : American Express XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY United States XXXX To Whom it may concern, dispute XXXX : Hello, Here is my statement regarding dispute XXXX for {$260.00} charged at XXXX Below are the supporting documents that you sent. You can see there are two traffic/parking violation tickets issued by authorized companies, such as XXXX ( page 3 ) and XXXX XXXX XXXX XXXX ( page 6 ). These two tickets and charges are valid, I am not disputing it. These tickets have unique Ref. number, date, and time. Also, it has a photo of the violation. Most importantly, its issued by an authorized company ( not the rental company or debt collection agency as a third charge ). 
Please see page 9 as a supporting document for the third charge. This is not a violation ticket, its a collection letter from XXXX ( XXXX XXXX XXXX ). This company is not authorized to issue parking violation tickets ; its just a collection agency. Until now XXXX does not provide an actual parking violation ticket for this charge as on pages 3 and 6. Their invoice has the same REF number XXXX, same date XX/XX/23 and same address XXXX XXXX XXXX, XXXX as ticket number one on page 3. 
To find all this easier, I marked below by yellow color. 
When XXXX received the first ticket ( page 3 ), they charged me XXXX pounds, but they did not send the payment to XXXX, who issued this ticket. After a few months of not receiving payment, XXXX sold this case to XXXX ( page 9 ). XXXX sent an invoice for the same ticket to XXXX, but a bigger amount ( because of payment delay ), and then XXXX charged me XXXX pounds for the same ticket with REF XXXX. 
All these documents are so obvious ; I dont know why Amex makes decisions without having ACTUAL parking violation tickets, but based on some collection letter. Please ask XXXX to provide an actual parking ticket for a XXXX pounds charge before you close the dispute. 


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

I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days
Product: Credit reporting or other personal consumer reports

I opened a credit card at an XXXX XXXX store. I was enrolled in paperless billing without my consent. I never received a bill or an email notifying me that I had a bill due in XX/XX/year>. I was notified by a decrease in my credit score and still never received notification of the money I owed. I immediately paid the small balance on my XXXX credit card. I was never instructed how to pay my bill. I had a XXXX  in between this time and wrote letters and filed disputes explaining this and was told no and the late payment history of 90 days remains on my card. Every time I call XXXX I am belittle and treated terrible by the employees. Do not open a XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identified by Equifax as having my personally identifiable data exposed in the security incident occurring between XX/XX/XXXX and XX/XX/XXXX, by checking the site : https : //www.equifaxsecurity2017.comXXXX, entering my last name and last 6 of social security number, which stated : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I put a free government-allowed 90 day freeze request as of today, XX/XX/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 : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCareXXXX I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCareXXXX reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently upgraded a membership on the Equifax website, i called equifax after checking my credit file and noticing my personal information was part of their data breach back in 2017, I spoke with someone at equifax over the phone and told them that it appears a fraudulent suntrust and XXXX accounts were placed in my credit profile report along with inaccurate information including addresses and different spellings of my name. i was told that those fraud accounts and addresses would be removed within 24 hours but they are still showing in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not clearly specify that they needed Tax Returns they asked me to state my income then ran my credit I never wouldve consented to running my credit if they disclosed of the fact that they would determine my eligibility exclusively base on my Tax Returns I felt like they should disclose this information before running my report I did not clearly understand that they may have requested Tax Returns specifically. They should have clearly stated that I needed Tax Returns before running my credit this has effected my credit adversely and would have clearly been prevented if they did. 
Please remove this hard inquiry please remove based on the confusion and lack of clarity.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and XXXX