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

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

They use the name Social Security number driver license address and date of birth and Threads from customer service. The credit card is the Social Security card that they are continuously trying to add fees to.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX Subject : Dispute and Request for Removal of Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute several inaccurate credit inquiries listed on my credit report as provided by Experian, XXXX, and XXXX. Upon review of the report, I have identified multiple errors in the reporting of these inquiries, which appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
The following inquiries are in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple entries XXXX XXXX XXXX XXXX XXXX XXXX Multiple entries from XX/XX/XXXX XXXX XX/XX/XXXX Errors Identified : 1. Duplicate Hard Inquiries : Several creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are listed multiple times on the same day or within a short timeframe. This duplication creates an inaccurate portrayal of my credit-seeking behavior and violates Metro 2 reporting standards for data accuracy. 
2. Lack of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), hard inquiries must have a permissible purpose. I did not authorize multiple inquiries from the same creditors, nor was I informed of these inquiries in a manner that aligns with the law. 
3. Unauthorized Inquiries : Some inquiries, such as those by XXXX and its related entities, were not explicitly authorized by me. These inquiries appear to have no legitimate purpose and should be removed immediately. 
4. Misclassification of Inquiries : If any of these inquiries were soft inquiries or conducted for pre-qualification purposes, they are incorrectly classified as hard inquiries, further damaging my credit report unfairly. 
Request for Action : I kindly request that XXXX, XXXX, and Experian : 1. Investigate each of the above-listed inquiries to verify their accuracy and compliance with the FCRA and Metro 2 guidelines. 
2. Remove any duplicate, unauthorized, or misclassified inquiries from my credit report. 
3. Provide me with a written confirmation of the outcome of this dispute within 30 days, as required under the FCRA. 
4. Remove address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Enclosed, please find a copy of my credit report highlighting the disputed inquiries, along with a copy of my ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. If you require additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX ) or ( XXXX XXXX XXXX  ). 
Sincerely, Look forward to your timely resolution.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to all 3 bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Debt collection

I was never notified about this debt, i was never provided the purchase agreement or my wet signature. I never gave my written consent.
Product: Student loan

I am having issues with Mohela and Public Student Loan Forgiveness ( PSLF ). I have been a XXXX XXXX XXXX in XXXX for XXXX  years. I have taken out student loans to further my education and move up the pay scale as a XXXX  in XXXX. This is the only way to earn more money as a XXXX in the state of Arizona. The Department of Education, under Biden 's administration, implemented a PSLF waiver in early XXXX to help public servants gain years of credit toward complete student loan forgiveness under the PSLF program. Mohela ( and the Dept of Education ) refuses to count 2 and a half years of payments I made toward my student loans, from XXXX XXXX XXXX XXXX XXXX XXXX need 120 payments to obtain complete student loan forgiveness. I should already have more than 120 payments. 

If the Mohela and the DOE  would count my student loan payments during the years of XXXX XXXX XXXX XXXX, I would have significantly more than the 120 payments needed on my PSLF tracker right now. I would qualify for loan forgiveness immediately! However, the DOE and Mohela will not count these years of payments. I have called Mohela every month ( since XXXX XXXX ) to find out why these months are not being counted toward PSLF. I am on hold for hours EACH time I call. Every Mohela representative I speak to tells me something different each time I call. The Mohela reps have absolutely NO idea what they are doing. Most reps I speak to are completely incompetent and they seem to make stuff up because they don't know what else to say and have no idea what to do. Some days I call Mohela, and I get disconnected with no call back. It is beyond frustrating! When I call the Department of Education, they have no idea what they are doing either. No one can give me any answers! I do not know what else to do or who else to contact. 

The representatives Ive spoken to at Mohela tell me that they can see in my account history that I did, in fact, make payments during those years. The Mohela representatives dont know why these years are not included on my PSLF tracker. They tell me something different EVERY time I call. I was in repayment status during the years of XXXX XXXX XXXX XXXX, but no one will give me credit for these years of payments! The Department of Education will not give me answers either. 

I have already made more than 120 months of student loan payments needed for Public Service Loan Forgiveness, but Mohela will NOT count 2 and a half years of payments I made. I even have sent in my bank statements to show them that I made payments in XXXX, XXXX and the first part of XXXX! Meanwhile, I had to start making large student loan payments back in XX/XX/XXXX because every representative I speak to is incompetent and I never get accurate answers. I just need answers and I need to know why they refuse to give me credit for 2 and a half years of payments that I made. My student loans should have already been forgiven. Everyone else I know who started this process when I did, has already had their loans forgiven MONTHS ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXXXXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 
The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I am requesting that XXXX  fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I informed Wells Fargo that someone had hacked my account and paid unknown person credit card account Bill. on XX/XX/XXXX, that transaction was still pending. I instructed the bank that I did not authorize that transaction and ask them to stop payment. On XX/XX/year> the bank made payment anyway. I last spoke with someone from the bank on XX/XX/XXXX, I was told that someone would contact me within 48 hours. That did not happen..
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations XXXX times I have been a victim of fraud that required me to contact the local police and create a report and yet I still could never get my XXXX that was stolen returned in XXXX nor the XXXX that was stolen in XXXX
Product: Credit reporting or other personal consumer reports

I have never done any business with credit collection services nor have I ever signed any contract with them. They should not have any of my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XXXX ACCT XXXX XXXX, XXXX XXXX,, 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: Bank account or service

I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Debt collection

Getting repeated calls under the disguise of another company ( XXXX instead of Affirm ). Brought it to their attention and they have done nothing since.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at PORTFOLIO XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXXXXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

Hi, I deposited a check on XX/XX/2022 at PNC bank in the amount of {$7200.00}. I recieved a note from PNC bank stating the funds won't be available for 10 days. The check has cleared, and PNC has the money and still have not released it. It's been 55 days and they have not released my funds.. I am in my senior year at the XXXX  XXXX XXXX and my account at PNC bank has always been in good standing. Thank you for you help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance
Product: Debt collection

I have been paying from XX/XX/XXXX each month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment in XX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXXpayment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.