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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error.

The items below should all be updated as agreed on my consumer report.

also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Product: Debt collection

Subject : Debt Validation Request for Commercial Auto Loan Account - Personal Guarantor Account # XXXX To whom it may concern, I am writing to formally request validation of the debt associated with the commercial loan XXXX, for which I am the personal guarantor. As the guarantor, it is crucial for me to ensure the accuracy and legitimacy of the debt I am being asked to satisfy. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I kindly request that you provide me with the following information : XXXX. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges. 
XXXX. Detailed documentation outlining the loan agreement, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications. 
XXXX. Proof of your authority to collect this debt, including any assignments or transfers of the loan. 
XXXX. Verification that the statute of limitations for collecting this debt has not expired. 
XXXX. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan. 

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within XXXX days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights. 

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means. 

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. Please send all correspondence to the address listed above. 

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

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

Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, XXXX XXXX TransUnion. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and XXXX. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

Transunion As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccuracy regarding my payment history. Specifically, my account with XXXX is incorrectly showing late payments for XX/XX/year> and XX/XX/year> when, in fact, all payments were made on time. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate and verifiable. I am formally requesting that you investigate this matter and provide verifiable proof, including payment records, showing that I was late on these payments. 

If you are unable to verify this information with supporting documentation, I demand that the inaccurate late payments be immediately corrected to reflect an on-time payment history. I have attached a copy of my credit report highlighting the disputed account for your reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration
Product: Debt collection

It has come to my attention that a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX is attempting to have my wages garnished on a debt that does not exist on my credit report or any other places that I can find. If the debt really does or did exist it must be at least 12 to 15 years and far exceed XXXX 's statue of limitations credit card debt collections. Furthermore, there was no written or verbal contact made to me regarding to gravity of the matter, nor was I served ( There is No affidavit of service for XXXX XXXX XXXX XXXX. XXXX ) to be made aware that this step was being taken by this firm. I was totally blinded sided. It is hard for me to believe that this is even legal. They have put my longtime career in jeopardy and I may be terminated as result of their inappropriate actions. Please note, I also called this company on XX/XX/2022 and they refused to speak with me. Wouldn't let me go past my name and date of birth, which I am certain is just ploy. Here is a list of FDCPA violations I believe they have made, I will only use codes for lack of space. 1692 e ( 2 ), 1692 e ( 7 ), 1692 e ( 14 ), 1692 f, 1692 f ( 1 ), 1692 g, 1692 i ( a ) ( 2 ). These are just a few.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries I did. It aithorize on my trans union credit 1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX secured credit card. They did not provide me with the original application like I asked. 

Also, my entire {$5000.00} deposit was not returned within 10 weeks once my account was closed. I secured the credit by providing XXXX a {$5000.00} deposit. XXXX has not only refused to return my deposit but is also reporting a collection account in my personal credit profiles with XXXX, TransUnion XXXX XXXX.
Product: Checking or savings account

I overdrafed my account because I did not have enough for my bills. They ended up charging my account {$180.00} and then closing it. And they gave me such a hard time about trying to pay it so I can open my account back up. But unfortunately we did not come to a resolution and I believe I got sent to credit collection. So I have not been able to open a bank account anywhere else because of that. This occured in 2022.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  Veripro Account Number # XXXX Attn : Manager or CEO The original creditor was XXXX. My mother is XXXX I have some major concerns with Veripro Solutions ( VS ) because I have tried to negotiate settlement with 2nd mortgage debt. I received a reduced payoff offer of {$4300.00}, however I spoke to the point on contact with this account that stated the reduced payoff amount is {$5000.00}. 
I property is in my mothers name and I informed them that I would like to discuss settlement options. I informed XXXX that my mother XXXX XXXX and I was trying to discuss to settle the account. I informed her that I paid off the 1st lien for a lower amount, which I have faxed documentation to show the lower payoff amount. 
She stated that she was unconcern with my financial hardship and that I would be responsible for agreeing with the payoff offer or I would lose the property.

Venripro Solutions is trying to take advantage of our family because the representative stated that they would sell the home since VS is now in 1st lien position. There are several issues ( 1 ) property value decreased ( 2 ) VS tried to increase settlement offer ( 3 ) no income ( 4 ) trying to sell the property without my consent. 
I cant afford the required monthly payments or come up with enough to pay off the total amount of the debt ; I have tried to negotiate a settlement for 2nd lien position.
Product: Credit reporting or other personal consumer reports

Before I got detained on XX/XX/year> and held without bail at the XXXX XXXX detention center I was paying XXXX around {$30.00} a month for a lot of services which included identities that I contacted the creditors in early XX/XX/year> and reported to the credit card companies that my wallet and tablet has came up missing and somebody was using my credit cards and debit cards while I was in incarcerated I have plenty of documentation and have submitted this over and over again I submitted this to the creditors. I disputed repeatedly on XXXX and I disputed and XXXX dispute where XXXX bank had to remove their false information off of my credit report from where I was a victim of identity test and Im assuming because I proved I was in the XXXX XXXX detention center when charges were ran up and I was being charged with it being I paid for a service from XXXX. Im getting ready to cancel my service because I get locked out and cant even see my credit report or dispute anything and the ones I have disputed about XXXX months ago, I never got any type of reply back not in the mail or anything, and every time I try to log into my XXXX account it locks me out for security purposes, either way, XXXX does not live up to what they charge if you cover identity theft, and unauthorized use of someones credit, but still report the false information on your credit report, then that slandering my credit and stopping me from being able to buy vehicle or rent an apartment a lot of things I already contacted the XXXX and the financial XXXX attorney general and if the issue is not resolved I will be following a lawsuit today since Ive been home I started to pay XXXX another {$30.00} a month to monitor and for identity theft just in case it was to happen again and continue to be locked out of my account so Im asking for a refund and what XXXX to honor the refund because they definitely didnt honor protecting my identity which they were paid up at the time I got detained in XX/XX/year> and even got paid for XXXX while I was in the XXXX XXXX detention center XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report with Experian on line. The only way I was allowed to do it was to write in. I have a home equity loan pending and they are waiting for Experian to respond to my written request. I mailed in a written request to a Texas address a week ago. I have not gotten a notification that they received it or not. 

I tried finding a telephone number to contact them, to no avail. I tried again to reapply to unfreeze my account online. At the end of the form they told me I have to write in!!!!!
Product: Money transfer, virtual currency, or money service

I have money in my account and they froze my account and said I hav to wait 180 days to get my money then they permanently suspended my account so I have no way to get my funds.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX dated XX/XX/year> advising them that they are furnishing inaccurate information as well as outlining 15 U.S. Code 1681s-2. Requested a 1099C as they are reporting this account a charge off. They have never sent me any documentation and follow the law when it came to this. They sent me a copy of a contract and a letter dated XX/XX/year> stating that they do not accept my documents it is fraudulent and the account was transferred to another company. They stated that they have placed the cease and desist on my account however they will continue to report to the Credit Reporting Agency as they consider the copy of contract and a transfer of ownership as validation of debt. XXXX is not following the law and responding with what I request I tried to handle it with them before going to the CRA or CFPB but they are not responding to my request with what their responsibility is by Law
Product: Money transfer, virtual currency, or money service

against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act 0:28FPA ). Spe nically, Cash App 0i152to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX  I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting or other personal consumer reports

In referencing accounts on my credit profiles with XXXX, Trans Union and XXXX that either where not mine or l did not recognize l demanded that they be removed on both XX/XX/XXXX and XX/XX/XXXX based upon current FCRA Laws. To which ALL 3 respondents remain unresponsive. It should be noted that due to a recent credit reporting breach by ALL 3 Credit Bureaus my information was exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 

I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. 

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my report from Citizen 's Bank. I never inquired with this lender. They are inaccurately reporting this inquiry on my credit report. When I called and spoke to the fraud department, they refused to open a fraud investigation. I requested to speak with a supervisor and was refused. This phone call occurred XXXX XXXX XXXX XXXX on XX/XX/XXXX between my phone XXXX and their phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my consumer report from Experian and noticed unauthorized items.
Product: Vehicle loan or lease

I called to Ally bank but I got stuck with a foreign person that didnt understand what I was say about I wanted to extend my payment XXXX more day. They didnt want to extend it XXXX more day. So I asked for a XXXX to talk to them. They approved the XXXX day extension but they still hit me with the late payment when I already communicated with the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had interviewed for a role with an XXXX services firm, who was providing support for a XXXX  client. I would have been working on supporting a XXXX  environment and related applications. I was subject to several background checks, as well as a credit check. I noted on the authorization for the credit check that I am currently in dispute with my mortgage lender. 

I was told to provide a statement explaining my mortgage delinquency, as the company had a policy that any delinquency over {$5000.00} required manual review by one of the financial company executives. Despite having documentation to support my statement, I was verbally told several days later that I was ineligible for the job solely because of the delinquency, and I have not received anything in the way of an adverse action notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to inform you that the XXXX credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.