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

I sent a letter on XXXX XXXX XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : 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

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX  XXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day I currently have two credit inquiries from XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below is a list of inquiries and dates that are not mine and I did not authorize them. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reinsertion Letter Report number XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ss XXXX XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA Report number XXXX To Whom It May Concern, On [ I disputed an account reported by [ JPMCB ] account XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX  Date of last report : XX/XX/XXXX Creditor : XXXX ] report number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates never send me a notice of the debt. I wasnt notified about this debt in a timely manner. I wasnt aware of collection activity that can be addressed promptly. I found out about this debt ; I have questions about. I dispute the debt. However, Portfolio didnt notify me in a timely manner. The original creditor was provided with an updated address in the XXXX  however no notice was sent. Which, I know that FCRA 809 ( a ) was violated.

I contacted Portfolio Recovery Associates on XX/XX/2021, to inquire about the entry list on my credit report. I asked the man for a statement on the debt. He told me the balance of {$1400.00}. He offers a settlement of {$980.00}. I told him this is high. He asked what I can afford $ XXXX for settlement with payment installments to satisfied this debt. He said cant do that. He stated they offer a payment plan. My medication is XXXX per month plus doctor visits per month XXXX. Rent is XXXX not including food. I only receive is SSA of {$1200.00}. I told the collect rep the information about the health issues. I also told him about the XXXX  XXXX and had to moved away from XXXX. Im just try to recovery from all these surgeries. Portfolio Recovery Associates is hard to work with. They not providing information regard to the account. I dont even know account number. Lastly, we have global crisis with COVID 19.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft : XXXXXXXX XXXX {$2100.00} XXXX XXXX {$3200.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00}
Product: Vehicle loan or lease

I entered a 72 month contract with Ally financial in XX/XX/XXXX and as of today it show I have 2 more payments of XXXX remaining but a balance of XXXX. As of today I am already XXXX months into paying on this loan with a one month extension in XXXX feel I have paid off my car and Im due my title and also due around XXXX in overpayment. I reached out to ally and the representative explained to me that I had 2 dates to base the 72 months off of the purchase date in XXXX and the contract date in XXXX which is not on my contract as you will see. I also tried to get the app so that I could get my payment history but after entering my information the system failed to recognize me to their advantage.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter.

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.

Thank you for your attention to this matter.
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. 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.

I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sending money over to a friend, but they sent me the wrong PayPal link. Ive been trying to contact the person for a refund, but they arent answering. PayPal says they cant do anything. I sent {$63.00} USD. Date : XXXX XXXX EDT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card

I make a dispute with affirm.com or Affirm Inc. about me not recieving the merchandise i purchased with the affirm Inc card. on XX/XX/year> affirm denied my dispute without contacting the merchant or submitting a chargeback
Product: Debt collection

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. Once again, I am requesting all of the following documentation or immediate removal from my credit report. A detailed list of the payment history made by me on this account, including dates and amounts of all payments. Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transferdocuments demonstrating your authority to pursue collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX Account No. XXXX Amount : XXXX All Student Loans that is in my credit report I have deal with them and anything has happen. They come as accurate I never went to school someone use my identification and went to school never paid it back. Its in my credit report and I want it off.
Product: Credit reporting

This is a fake credit company. I have done research on this company, but they somehow managed to get into my credit report and illegal XXXX with my credit report, beinging my fico score down. Stating that i owe them money. Bogus if you ask me.
Product: Payday loan, title loan, or personal loan

I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for XXXX XXXX. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
Product: Bank account or service

Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : Experian : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened an account with Paypal on XX/XX/2022 and I went through all of the verification and the last portion of it was just confirming my address after that I received an email from them letting me know that my account is permanently suspended so I gave Paypal a call I contacted representative and they stated that my account is going to be permanently closed due to Fax or something she said all the facts from accounts and I was telling the representative that that has nothing to do with my account is a Business account Basically theyre referring my account off of something else Im not Sure
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX. I disupted multiple inaccuracies with XXXX, XXXX, and Transunion. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX, transunion, XXXX you believe that information in your personal credit report is inaccurate or incomplete, please call or visit our site to dispute for free. This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 4. XXXX XXXX XXXX XXXX remove all XXXX late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX/ XXXX XXXX XXXX 30 day late payment.
Product: Credit reporting or other personal consumer reports

I need to inform you that I have been a victim of identity theft. I am disputing this account as this was opened without my knowledge, consent, or authorization. I have contacted the respective company, and they advised me to file the FTC affidavit. XXXX XXXX XXXX.