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

Back in XXXX, For about 30 days my wife had me listed as an authorized user on her XXXX XXXX. When I saw that the account showed up on my credit report I asked that I be removed. I was removed in XX/XX/XXXX. XXXX has confirmed that I have been removed and provided me with a written letter that confirms my cancellation date of the authorized user privileges. Ive reached out to Experian 6 times and provided them with a copy of the letter stating I was not an authorized user and asked that they investigate and update my report. To date all of their customer service representatives have refused to adjust the my credit report. The card in question is still open under my wifes name. Ive been removed as an authorized user on the XXXX side. I am not sure why Experian is still reporting this as an account that Im associated with.XXXX and XXXX both have the account closed or removed from my credit report.
Product: Debt collection

CybrCollect, a collection agency, showed up on my Credit Report and it is a claim that I owe USPS {$550.00}, but I talked to USPS and they don't do collections for XXXX XXXX es or anything like that. 

I also never opened a po box , or had any other services, involving that much money as claimed in the collection.
Product: Credit reporting or other personal consumer reports

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from XXXX, XXXX, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Product: Credit reporting or other personal consumer reports

Hello, I noticed some issue and fraud on my credit profile that I do not recognize. These accounts are cc, and other things I am not sure of. Here are the remaining of the hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX here are the fraudulent accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraud accounts ae reporting on my fico report. I want all these account are removed from all 3 credit bureaus. and all collections related to be gone to my rights within FCRA and FDCPA laws, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the three loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all 3 of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. Two of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. XXXX updated the 30 day late comment on my credit report for XXXX XXXX but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to XXXX in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX WELLS FARGO AND XXXX I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined credit, after being first approved, upon a hard pull of my Equifax report. I was advised by the lender that I had a split file, and my soft pull file was different from my hard pull file. I was told to call Equifax. I did so on XX/XX/XXXX. After over an hour on the phone with a representative telling me I had no split file, I called the lender. The lender gave me very specific information on what was going on. My soft pull file had only my current name, current address, and a few accounts. My hard pull file had my other accounts, but not the ones that are on my soft pull report, all of my names, addresses, and also had the incorrect birth date. I called Equifax back, asking to speak only to a supervisor, at which time, after over an hour again of discussion, I was finally told yes, I did have a split file. I was advised I needed to write a letter to have my split file merged, and also correct my birthdate, and send this in by mail with identity confirming documentation. I was told this had to be done by mail, and it would take 3-4 days. I mailed everything in on XX/XX/XXXX. I called today to check up on this issue. I was told by the first representative, after over 30 minutes of identifying myself, that I did not have a split file. I went through the whole ordeal again, and told her to read the notes. She finally did and then said it was fixed. I asked her when and she said on XX/XX/XXXX. Not possible. I told her that I had not sent in my documents by that point. She told me no one ever got my documents, but that I never had a split file. This made no sense. How can you fix something that you then say never happened? I asked to speak to a supervisor at which time, yet again I was told I never had a split file, and no one had ever gotten any of my documents. Both of these representatives spoke to me as if I was the one who was lacking understanding, which is not the case. This split file is destroying my credit. I am supposed to be doing a renovation and I can not apply or get approved for what I need as this split file situation makes my Equifax hard pull report over 100 points lower in score than my soft pull file, and files from the other credit bureaus. I can not get through to anyone by phone that actually is listening to me, they claim to not have gotten my mail, the chat specialists tell me to call, and they have no email contact information. I am SURE I have a split file. The Equifax report I can look at is my " hard pull '' file, and is missing many accounts on it. The lender was able to see all those missing accounts that I can not see when I pull my own credit report, and verified the information to me. Equifax is being negligent, and the customer service representatives just circle around contradictory statements and offer no help at all.
Product: Mortgage

We have been trying to obtain a short sale approval on the property. Buyer and seller have been under contract since XXXX of XXXX. Every document required by the XXXX XXXX XXXX has ben provided on numerous occasions. The Short Sale was first initiated in XXXX of XXXX and everything needed was complied with. Again in XX/XX/XXXX the short sale was again reinitiated. It took the servicer over 60 days once the file was deemed complete and the XXXX  Insurer required another valuation. When the second valuation was completed the buyer agreed to new higher sales price and all documents were submitted multiple times with last time on XX/XX/XXXX. On XX/XX/XXXX the XXXX insurer countered again as they needed some fees removed that had been on the HUD the entire time since XXXX of XXXX. Once again the buyer agreed to the fees being removed and accepted their counter and all documentation was sent again for the 4th time on XX/XX/XXXX. We were told that a decision would be made in 30 days. It is now day 42 from this 4th submission and nothing. Only response provided by SPS escalation team is they are waiting on the MI insurer to issue the approval letter. The homeowner, a veteran who served our country for many years has been super inconvenience and is extremely frustrated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently files a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where XXXX is neither corrected or removed disputed items that are attached to identity Theft.
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 proce 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 viloations.
Product: Debt collection

I started Service with XXXX and cancelled 7 days later. They billed me incorrectly for the services I received. 

I called 3 times to correct the matter - every time agreeing on the phone that they would change the amount to the correct amount. 

I never received the corrected bill amount or given the opportunity to pay over the phone by XXXX, and instead was contacted by a debt collection agency, trying to collect the incorrect amount. 

The debt collection agency is Credence - and noted that it could appear on my credit, and tried to collect the incorrect amount, {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

as i complained in XXXX INQUIRIES WERENT MADE BY ME NOR DID A FDIC or NCUA member institution requested these inquiries. 

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

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Account XXXX : XXXXXXXX XXXX  Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Experian : XXXX  XXXX Bankruptcy XXXX Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am alarmed by several unauthorized hard inquiries on my Experian credit report. I did not approve these inquiries, and they violate my rights under the Fair Credit Reporting Act ( FCRA ). 

These inquiries are harming my credit score and limiting my financial opportunities. Below are the inquiries in question : XXXXXXXX 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 I did not authorize any of these inquiries. They are unlawful and are negatively affecting my credit profile. 

This issue has caused me stress and financial harm. I demand immediate action to correct these errors and protect my credit. 

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

transunion and XXXX are failing to provide valid information about these accounts -XXXX XXXX account XXXX -XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX
Product: Debt collection

On Thursday, XX/XX/XXXX I received a phone call from XXXX XXXX ( phone # XXXX ) stating that they had court papers to serve to me but they couldn't tell me what the papers were about. I was advised to call ( XXXX ) to speak with someone directly from the law firm. I called the XXXX number and spoke with a XXXX XXXX  who advised me that he worked with XXXX XXXX XXXX as a mediator for civil lawsuits and my case number was XXXX. He further advised me that he was collecting an old credit card debt for Household Orchard Bank that was opened in XXXX and XXXX in XXXX due to falling behind on payments. XXXX XXXX  further stated that in the orginal contract that I signed there was a " Contractual Tolling Agreement '' in very small print that most people do not read that allows for them to collect the debt after the statute of limitations. XXXX XXXX  stated that I owed {$12000.00} but he would settle for {$5400.00}. He went on to say that if I don't contact him back by XXXX, XX/XX/XXXX then my case would go to court for the full $ XXXX. I called XXXX XXXX  back on XXXX  at the direct number given to me ( XXXX ) and left a message. I recieved a return call on XXXX, XX/XX/XXXX, however I was unable to take the call at that time. I returned his call on XXXX, XX/XX/XXXX and left another message. On Wednesday, XX/XX/XXXX I received a text from case manager XXXX XXXX stating that they were terminating mediation and serving me and my filing date is set for XX/XX/XXXX. This text stated a different case number ( XXXX ) and threatened lien on property, levy of financial accounts, wage garnishments up to 30 %, tax interceptions, and restricting my DMV license. I called XXXX XXXX and stated that he had the wrong case number and he hung up on me. I tried calling again and another man answered and when I stated I was trying to discuss a matter with XXXX XXXX, this man also hung up on me.
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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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 know knowledge of discover account.can a XXXX be honest for once.account XXXX
Product: Credit reporting or other personal consumer reports

Credit Acceptance has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.