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

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer. 

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report. 
The transaction consists of a firm offer of credit or insurance. 
Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report. 

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts are : 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 Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater. 
15 U.S. Code 1681o - Civil liability for negligent non-compliance. 
Additionally, your actions constitute : Defamation of character. 
Negligent enhancement of identity fraud. 
Multiple violations of the Fair Credit Reporting Act. 
Violation of privacy rights under 15 U.S. Code 1681a ( 4 ). 
To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process. 

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

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

Back in XX/XX/2019, I had a briefly late payment with my Military Star credit card. ( Used for purchases on U.S. military post exchanges. ) I quickly paid it, and requested the removal of this from my credit report, as I've had 100 % on-time payments with Military Star and all other credit cards and payments since then.
Product: Mortgage

I have had nothing but trouble from the very beginning since they took over my home loan. I did a home loan modification in XX/XX/XXXX and bank of America received {$22000.00} from FHA. Bank of America needs to understand that this money wasn't to go in their pockets but to catch up my payments that were behind. They refused to show where the money went. Bank Of America was reporting {$4500.00} past due on my statement prior to my bankruptcy and this is what I reported to the bankruptcy court. It was on the mortgage statement which I have proof of. I also didn't have to pay their attorney fee 's when I filed for bankruptcy in XX/XX/XXXX and XX/XX/XXXX. They hired the attorney so why should I have to pay their attorney fee 's for me just filing for bankruptcy. I have to pay my bankruptcy attorney plus their attorney fees. They just don't want anything to be easy on me because I am a single female. And females are mistreated and abused in this country. Since I am the sole breadwinner in my household and having to support my son on top of it. Nothing is easy for a single female. Bank of America is trying to MILK me for all the money i got to pay for my food and other bills. I am getting sick and tired of it. " Why bother to file for a modification " to lower your payment. If by LAW they can raise it to {$560.00} from {$510.00}. They are making my life very difficult to live. One other thing I would like to point out. My bankruptcy lawyer works for me not them which I am paying her. And I shouldn't owe their attorney fees because he is not representing me but Bank Of America! " Just to look over my bankruptcy filing! ''
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to XXXX asking them to reinvestigate the completeness and accuracy of my accounts here is my tracking number : XXXX waited the required amount time, I They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Product: Mortgage

I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Please removed these account as soon as possible. Thank you
Product: Debt collection

Debts is being in my credit report since 2013 and original amount is not {$1100.00} they being increasing amount and trying to collect amount not owned and not willing to negotiate. They Often reported it to credit bureaus and make vey hard to get qualified for new credit opportunities and rebuild my credit history.
Product: Credit reporting or other personal consumer reports

I am driving XXXX for XXXX now, and I would say once per year they do background check with Checkr company. On XX/XX/XXXX they did my annual background check and status of my background check says XXXX because it says XXXX XXXX  - not provided. 
On XX/XX/XXXX i replaced my XXXX licence with XXXX where i live now. Once i did that back in XXXX i did upload my licence to XXXX XXXX, and I was approved without issue. Now, because Checkr reported to XXXX that driving licence is not provided I cant drive.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXX on XX/XX/XXXX, at their address, XXXX XXXX XXXX , XXXX, VA XXXX. My purpose was to explore the possibility of purchasing a pre-owned XXXX  XXXX XXXX. During my visit, I provided my Social Security Number to one of the sales representatives named XXXX. I explicitly informed XXXX not to initiate a credit check without obtaining my approval first, after which I departed from the dealership. To my dismay, on that very evening, the used car sales manager conducted a credit inquiry without obtaining either my verbal or written consent.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged.

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused.

Closed Late Payment Account ( 3 Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payment ( 3 Bureaus ) XXXX 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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureau are reporting this information incorrectly and fraudulently. I will attach supporting documents in hopes of finalizing this report to be removed immediately. This company was paid in full and requested an additional amount weeks after being paid the contract amount. Along with a data breach this company is involved in. Please remove from my report showing any late payments or derogatory remarks.
Product: Credit reporting or other personal consumer reports

i have been paying halistead financial for a debt owed to lvnv funding, they have reported no payments since XXXX when i have made payments in every month since XXXX. debt reflects incorrect amount and has not been updated to reflect my timely payments. the paid amount is XXXX and remaining is XXXX, the debt owed still reflects {$710.00}, after the first payment was made
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 22 inaccurate late payments for the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. 

I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. 

I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. 

I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. 

Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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: Mortgage

New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.
Product: Money transfer, virtual currency, or money service

I made a wire transfer from one of my accounts to XXXX ( a crypto currency platform run by CoinBase ) at around XXXX EST on XX/XX/XXXX. According to their website, it should have gone in on the same business day if the request was made before XXXX PT. I made it on time but it 's been 3 weeks now and no money is in my account. I received confirmation from the account I sent the USD from that the wire was successful so this is strange to me. I contacted CoinBase through their support channel and made a case after a few days of still not seeing my money and have followed up every few days since then ( over 6 times ) with no response. I have contacted them on XXXX, via XXXX on their support page and through other forums and STILL have not gotten a response. To me this feels like they have stolen my money or it has been lost somewhere and I have n't got any validation. Please help if possible.
Product: Debt collection

Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 duplicate Department of Education tradelines on my credit report for the same two loans. I disputed these items with XXXX through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the Department of Education. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.
Product: Debt collection

Acct # : XXXX XXXX # : XXXX 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 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

I am writing to SUNRISE CREDIT SERVICE agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in Experian report prevents me from achieving the desired results. 
I am kindly requesting SUNRISE CREDIT SERVICE agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are, negatively. This has Impacting my credit per section 15 USC, 1681 c-2 any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial well-being.