23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. 

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 or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX finance is account is closed and 7 years and 2 months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit report?
Product: Credit card

On XX/XX/XXXX, I received the credit card bill from XXXX XXXX XXXX XXXX with the outstanding balance of {$2500.00}. I did not have the card with me since around XX/XX/XXXX, so I was not sure what those charges were for. I was out of the country for 2 months ( visiting my family in XXXX XXXX in XXXX and XXXX ), and we moved to XXXX in XXXX, I did not receive the bills for this period of time. I called the card company customer service line and requested them to clarify the transactions that occurred during I did not have the card in my possession. I also asked to credit back the late fees and interest charges that were charged to my account for that period of time. They asked me for the full card number. I said I don't know the full number because I don't have the card. They said they were going to send me a new card and to my new address. But instead, they sent me a letter stating that there were potential security concerns on my card so they requested me to send them the copy of my drivers license, social security care, and utility bill. So I sent all the documents by email and was waiting for them to clear my account status. On XX/XX/XXXX, I called to follow up, and they said to call back in 30 days. On XX/XX/XXXX, I called back and XXXX, the customer service agent told me that my account was permanently closed. Then she transferred me to account protection team to clarify the reason that my account was closed, and XXXX from that team informed me that my account was closed because the documents that I sent did not meet the requirement. I asked why it did not meet their requirement and he said he does not know. I asked to speak to the supervisor and he transferred me to XXXX. She basically told me the same thing. 
My main complais for this company are ; - My account was closed for no reason : I sent all the documents that they requested and they did not even notify me why they do not meet their requirements. 
- They did not investigate on unrecognized charges - They charged late fees and interest charges for the charges that I am not responsible, totally around {$800.00}. 

I did not want to pay for the balance because I needed to know what the charges are for but they kept charging me late fees and interest charges until this date. So I just paid the total balance today. But I still need to find out if those charges are valid and also need to get waiver for the late fees and interest charges. 

Please help me!! 

Thank you. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX and TransUnion. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
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 confidentiality under 15 USC 1681. 
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 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

This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of my credit report.
Product: Checking or savings account

After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX aXXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to CMRE FINANCE regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

The rental recovery sent me a letter in XX/XX/XXXX stating that I owe XXXX dues in rent at the apartment in XXXX, XXXX. I contacted the XXXX apartment to ask that when did I sign the lease with them and why is this reported on my credit, speaking of which they said it was all done XXXX and nothing was in XXXX. I reported them that it was never me who signed the lease and also I asked them that if there was a lease on my name why they didnt even bother to communicate during the term of the lease to mention that the rents are dues I never received any letter or anything from the apartment. The date on the lease was somewhere from XXXX to XXXX. I want to report this as this XXXX was never mine and I am requesting to remove it from my credit and what so ever actions need to be taken plz fix this. This will ruin my XXXX and my XXXX XXXX. This is harassment by the XXXX company.
Product: Money transfer, virtual currency, or money service

Iam filing 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 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, credit repair services, or other personal consumer reports

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. Fed Loan Servicing has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and XXXX  have fixed some of them but XXXX  has not fixed any of the errors.
Product: Mortgage

After refinancing my mortgage with XXXX XXXX, my mortgage subsequently was sold off to Arvest Central Mortgage Company. This lender is ripping off thousands of home owners with insane fee 's. As a responsible home owner I make over payments and additional monthly payments regularly. If you pay your mortgage on their website you have to pay a fee. If you pay via your banks bill pay its free but if you make an overpayment or extra payment you need to call and have it applied correctly. When you use their customer service you're charged a fee. If you send paper checks they have a history of holding the checks until they can charge late fees. This company is a nightmare and at no point in time would I have elected to do business with them. My mortgage being sold to them is at no fault of my own and now costs me money every month in fee 's to perform the same payment functions any other lender offers for free, like making regular payments via direct withdraw from checking.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding what appears to be many numerous attempts to remove fraudulent items from my credit report. I have observed multiple suspicious activities that suggest a potential compromise of my credit information, and I am deeply concerned about the integrity and accuracy of my credit file. 

Despite these removal attempts, I have not been contacted by your agency for verification purposes. It is disconcerting that such significant changes to my credit report have been initiated without proper authentication. 

Given the nature of these activities, I am highly alarmed about the possibility of identity theft. I have taken steps to secure my personal information, and I expect your agency to investigate these matters thoroughly. 

I kindly request that you initiate an immediate and comprehensive investigation into these incidents. Additionally, I would appreciate regular updates on the progress of the investigation, including any findings and actions taken to rectify the situation. 

To assist with your investigation, I have attached relevant documents. 

I understand the importance of maintaining accurate and secure credit information, and I trust that your agency will take the necessary steps to address this matter promptly. I am also prepared to take further legal action if the issue persists without resolution. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX  Balance {$4100.00} XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a paid all my debt to XXXX  XXXX XXXX  XXXX XXXX loan nothing is outstanding. 

I declared bankruptcy : XX/XX/XXXX, reference # XXXX Discharged Court : XXXX name : XXXX XXXX XXXX XXXX Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

NTL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Number # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$230.00} Original Amount {$230.00} Original Creditor XXXX XXXX XXXX  ( Educational ) Past Due {$230.00} Pay Status >In Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXI AM A VICTIM OF THE XXXX BREACH. MY PERSONAL INFO WAS USE TO OBTAIN GOODS. PLEASE BLOCK THESE ACCOUNTS FROM MY PERSONAL INFO. 

XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ARE ALL FRADULENT CHARGES FROM XXXX DATA BREACH. 

I HAVE OVER 100 FALSE INQUIRYS PLEASE BLOCK THESE INQUIRYS XXXX XXXX  XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX   XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with One Main Financial and its been ongoing since XXXX XXXX. With my payments It seems that I unable to pay it off due to the interest. I recently also went on XXXX XXXX XXXXXXXX starting XX/XX/XXXX and sent corporate all the paperwork they sent me, but I have yet to hear back from them.
Product: Mortgage

Today,  XXXX / XXXX /17, I replied to a pop-up ad from Quicken Mortgage for a refinance on my home lone. Shortly in to the intake process I was told they had to pull my credit and it would have to be a hard pull. I objected to this and was told " federal law requires this ''. I would like to know the federal law or regulation that REQUIRES that a hard pull of my credit report need to be made.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am lodging a complaint against Debt Recovery Solutions for fraudulent debt collection attempts and unauthorized credit inquiries. 

Debt Recovery Solutions is attempting to collect a debt I do not owe, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt.

In addition, the company has performed unauthorized credit inquiries, impacting my credit score without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( f ). 

I request the CFPB investigate these practices and enforce my rights under the FDCPA and the FCRA. The company should cease all communication, remove related negative information from my credit report, and confirm these actions in writing. 

Thank you for your attention to this serious matter.