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

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Student loan

A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to XXXX XXXX XXXX. I have attended classes there but have taken only XXXX XXXX loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ ( XXXX ) XXXX ] [ XXXX ] [ XX/XX/XXXX  ] I am writing to dispute the following unauthorized inquiries on my credit report : Inquiry Date : [ Inquiry date XX/XX/2023 ] Inquiry Type : [ Type of inquiry, such as hard or soft ] Creditor Name : [ XXXX XXXX ] XXXX XXXX Inquiry date XX/XX/2023 I have never applied for credit with this creditor, and I do not authorize them to make inquiries on my credit report. I believe that these inquiries are unauthorized and should be removed from my credit report. 

I have attached a copy of my credit report with the disputed inquiries highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 

I would appreciate it if you would investigate this matter and remove the unauthorized inquiries from my credit report. I am requesting that this be done within 30 days of the date of this letter. 

If I do not hear from you within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 


Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I found a couple of hard inquiries that I did not authorize. 
After finding these issues I reached out to both companies, the one that ran the hard inquiry, and the credit reporting agency that list  it. I sent certified letter to both companies over sixty days ago, asking them to remove the inquiry, but it still shows on my credit profile.
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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquirie

s : 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

Spoke with two XXXX rep, also disputed with Equifax and XXXX  and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Debt collection

Professional Debt Me XXXX XXXX XXXX  XXXX, Fl XXXX XXXX Balance : {$300.00} Date Open : XX/XX/2020 Someone stole my identity, I am living in California and this company is in Florida. This account is not belong to me. And I have nothing to do with XXXX XXXX XXXX. Now the debt is show-up in my credit report for an unpaid balance. Please help me with the case. Thank you so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being asked by XXXX the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for XXXX and transunion who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the XXXX XXXX  credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX bank an XXXX XXXX XXXX XXXX va XXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report congress state consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices which violates 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 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I checked my Equifax XXXX and XXXX credit reports and noticed there were unauthorized/fraudulent inquires on each report ranging from XXXX has 7 Equifax has 10 XXXX has 5 , under the fcra guidelines each fraudulent inquires should be removed immediately. I am furnishing the inquires in the order of XXXX, Equifax, then XXXX
Product: Credit reporting or other personal consumer reports

So I had an issue with identity fraud and XXXX XXXX XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Product: Payday loan, title loan, or personal loan

I submitted in writing on XX/XX/2022 via certified mail ( USPS tracking number XXXX ) a letter informing Oportun IncProgreso of an inquiry and their violation of the FCRA and Various US Codes that they are in violation of and demanded that the inquiry be removed as well as a settlement payment of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ] to which I received no response, which is also another violation. Please see attached letter that was mailed to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I have many errors on my Experian Credit file. I have been disputing them with Experian for 4 months and with absolutely no results. They have my Driver 's license, utility bill and social, yet they just sent me a stall letter stating that they received a suspicious request after I filed a failure to respond to my disputes. There is nothing suspicious about my disputes and they are in compliance with the Law of the FAIR CREDIT REPORTING ACT.
Product: Mortgage

We thank you for the prompt response. 
THERE IS A MISSING PART IN THE HISTORY OF THIS LOAN ITS THE PERIOD BETWEEN XXXX  AND XXXX. 
PLEASE PROVID THIS INFORMATION WHICH IS CRUCIAL TO THIS CASE. 
THE PERIOD WHEN XXXX  XXXX XXXX WAS THE SERVICER. 
THE LOAN WAS STUCK FOR 8 YEARS IN THE CAOS OF THE XXXX  FINANTIAL CRISIS. 
WE UNDERSTAND THE LAW REQUIRES THE PRESENT SERVICER TO PROVIDE THE HISTORY OF PREVIOUS SERVICERS. IN YOUR CORRESPONDENCE THERE IS NO MENTION OF XXXX  XXXX XXXX. THERE IS HOWEVER A LOAN REFERENCE NUMBER : XXXX. ( # XXXX ) WHICH IS THE XXXX  XXXX XXXX LOAN NUMBER. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at XXXX XXXX played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 13th 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was notified that my personal information including name, credit card information, and social security number were acquired illegally and without my consent or authorization from Equifax. This information could be used to harm me financially for the rest of my life, but Equifax only offered 1 year of credit protection service provided by them. This is absolutely no consolation and inspires no confidence as they 've already proven they are incapable of protecting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX yesterday and when I checked today it had decreased by XXXX points. I have 1 credit card which I am always on time paying. I am not sure why there was such a huge drop. Calling transunion did NOT help and the person had a language barrier. Nothing has changed on my report except I charged on my card. Please explain and advise what I need to do
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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

After filing dispute for unauthorized charge and having check Discover wrote me a letter saying my accounts were closed and any deposit would be automatically rejected and returned to sender. They also said they would refund my account balance within 10 days. I requested my employer to change my direct deposit but they still deposited it In discover account. I called discover and they said they didn't get any deposit then said yes they Had it but refused to tell me my balances and said that any refund owed will be mailed in 10 days from date of closure. I'm a XXXX XXXX  and can't wait any longer for my check were already struggling. And how can they legally hold my money and also refuse me any access to my paycheck and refuse to tell me mu Balance!!?
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and noticed an inquiry that I did not authorize or recognize. I request that this unauthorized inquiry be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened an account with XXXX XXXX on XX/XX/year> in the amount of {$500.00} an added me fraudulently as an authorized user. I called XXXX XXXX once I noticed this information and told them that I never have authorized anyone to add me to any accounts nor add me as an authorized user. I then asked for the account holders information so that I could report this matter to the local authorities and I was denied information. I asked them to remove me from this account where my personal information was being used there response was no. I've disputed this matter with Experian, XXXX and XXXX and this matter hasn't been resolved.
Product: Credit card or prepaid card

After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances. 
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.
Product: Credit reporting or other personal consumer reports

XXXX has furnished a copy of my report to anyone who is a subscriber, without verifying the debt. They issued XXXX credit reports mine to Portfolio Recovery, when Portfolio did not have a debt to report. 

XXXX claims to have investigated XXXX XXXX XXXX, listed in my dispute letter, when XXXX has not responded to date on my dispute of their debt, and written letter sent certified in accordance with FDCPA rules. They ( XXXX ) and XXXX continue to report a debt that neither can validate to this consumer. 

XXXX XXXX.
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. 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 u fair and deceptive as they did not comply with error resolution requirements under electronic fund transfer act and regulation E. These actions have caus3d significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX XXXX XXXX & ALL CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.
Product: Mortgage

After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. 

I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. 

I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.
Product: Debt collection

I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.
Product: Credit reporting or other personal consumer reports

previous complaint : XXXX Transunion sent XXXX response that requires a password to read. 

I don't have a working password with transunion.and I can't get them to give me a new password. 

Thus I have response from earlier complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid. Portfolio Recovery Associate promised to delete this tradeline from my credit report, not just update as paid. Please DELETE, as promised.
Product: Vehicle loan or lease

Made payment to stop charge off XX/XX/XXXX advised I would make payment again XX/XX/XXXX but check didn't clear at bank from accident explained I lost job I XXXX XXXX XXXX XXXX XXXX XXXX XXXX motorcycle accident XX/XX/XXXX so that set me back a lot tried catching up finally have money but they charged account off they didn't inform me or call me and toyota financial is also saying I told them not to call me which is a lie also vehicle was in accident and XXXX XXXX I had to battle with them on repairs didn't have vehicle for a year fighting with XXXX XXXX just recieved vehicle back XXXX weeks ago from accident XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( XXXX ).