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

I believe that this financial institution pulled my credit several times over the past XXXX years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for XXXX transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Product: Credit card or prepaid card

XX/XX/XXXX I revived an email. Telling me that i had did a great job with my card. They would refund my XXXX $ security deposit on my account. They also said apply on there app for a higher line of credit. I did and they turned me down. When I started8 mouths ago. My credit score was less than 600 way under now almost 700 so why did they turn me down
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )
Product: Vehicle loan or lease

Honda financial offered a two month Payments deferral towards the end of the life of the auto loan. Now my balance for sample was XXXX after the two months my new balance was XXXX so it went up because they added interest charge on my account for the last two months. So instead of starting making payments on XXXX where I left now I have to start making payments on a higher amount on top of being changed interest for the last two months. So is Honda financial helping customers due to COVID 19 or XXXX  up the customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I called equifax numerous of times speaking to not helpful representative. My credit report is showing blank while pulling the report from their website. 
I have revolving credit that is not showing up. I tried to explain the problem to the representatives All the representatives keep doing is transferring me over to different departments. 
I ask for a call back. A rep callback doing an verification that was not able to pass. When I ask her for her ID number she speedy the number and put me on hold. 

I need my credit report in a timely matter. I am trying to close on a home loan. I do not have 45 days for them to get back to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Credit Dispute Resolution Dear Experian, I hope this letter finds you well. I am writing to formally dispute an item on my credit report. I am also disputing the address is outdated and should be removed. I am also requesting that the name is outdated and should be removed. Upon reviewing my recent credit report, I noticed that the accounts listed below contain inaccurate or incomplete information that may be negatively impacting my credit score. The details of the disputed item ( s ) are as follows : Account Name : XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX XXXX XXXX {$2900.00} XXXX XXXX, Hard Inquiries 17, XXXX {$490.00}, XXXX XXXX XXXX {$1900.00} XX/XX/XXXX. 
Discrepancy : I am requesting to dispute any negative items, so as for inaccuracies in payment history, to have them corrected or removed. I kindly request that you investigate this matter, correct any inaccuracies, and provide me with an updated copy of my credit report once the dispute has been resolved. As per the Fair Credit Reporting Act, I understand that you are required to investigate disputes within 30 days. 
Please find attached any supporting documentation that verifies my claims, including [ list any documents youre including, such as bank statements, payment receipts, or correspondence ]. 
I would appreciate your prompt attention to this matter. If you require any additional information or have questions, please dont hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan

I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.
Product: Credit reporting or other personal consumer reports

This company is destroying my credit. I've paid off my debt early and closed account. My credit score was XXXX and now XXXX within a few months. This company is now continuing to send me many offers in which I've declined. I've never had this happen in my entire adult life. Credit being destroyed for paying off early and a " No payment due '' every due date of payment. Employment information is very outdated and incorrect. I'm retired now and being punished for this company 's horrific work ethics. Sad, sad, sad. Thirty years behind on my current employment, home ownership. I've never very been late on any of my bills, loans, credit payments, etc.in my entire adult life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax and XXXX, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the VA. My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only Credit Reporting agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you Equifax. You play XXXX  and I demand that you delete the late payments ASAP
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX 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 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: 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 ) Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately
Product: Credit reporting or other personal consumer reports

urpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ).

Violation of Verification Obligations : I submitted a dispute letter to TransUnion requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize theI am filing this complaint against TransUnion for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible pm. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. XXXX inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. TransUnion is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 
List of Disputed Hard Inquiries XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX  Inquired on XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous information with the credit bureaus and only XXXX  has made a reasonable attempt to correct the information. Experian won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX # ACCOUNT XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Product: Mortgage

I had a mortgage with Ditech ( account # XXXX ) until I sold the home in XX/XX/XXXX, at which point the loan was paid off on XX/XX/XXXX. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a {$1900.00} check for the overage amount of my homeowner 's insurance which was to be credited to me by Ditech ( XXXX has sent proof of the check that was sent to Ditech, which I have included as an attachment ). XXXX also has proof that the check was cashed on XX/XX/XXXX. 

Ditech has filed for bankruptcy and is no longer in service, and has no working phone number. I have tried since XXXX to get in contact with someone at Ditech. I previously filed a complaint with the CFPB and someone from Ditech responded that " it is likely that the check was forwarded to and cashed by [ Shellpoint Mortgage Servicing ] ''. This is 100 % not true ; I have contacted Shellpoint as well as their partner company NewRez, and they both have proof that Ditech never transferred my case over ( which makes sense, as I did not have a case/account/active loan with Ditech for them to transfer it over as part of their bankruptcy ). 

Someone at Ditech stole my homeowner 's insurance credit check of nearly {$2000.00}, and it has 7 months and still no one has attempted to send me my money. Even more infuriatingly, there is no way of getting in contact with anyone at the now defunct company, and they lied in their last CFPB complaint response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named Veteran United, has confused advertising like they work for the veterans administration and they not, I am interested in purchasing a house and I gave this company all my personal information about me but at not time I gave them permission to pull a hard inquiry on my credit but they did, credit reporting XXXX email me right away, I call Veterans United and told them I did not gave them permission to pull my credit specially a hard inquiry, this company really full me as a XXXX  era us XXXX veteran that I am, they false advertising is wrong to all veterans. And again I did not gave them permission to pull a hard inquiry, all I want is to remove it out of my credit report.   XXXX XXXX is the person I spoke to and I refreshed to him that I did not gave him permission for a hard inquiry . His number is XXXX ext XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days.

12. Account Validation Request - Creditor Name : XXXX XXXX - Account Number : XXXX  - Requested Action : Delete account. 


# # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.