23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Subject : Dispute of Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit report can only be accessed with the consumers authorization or for permissible purposes. I have identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX These inquiries were made without my knowledge or consent, constituting a violation of the FCRA. Unauthorized inquiries can negatively impact my credit score and overall creditworthiness.

I have taken the following steps to resolve this issue : Contacted the Credit Reporting Agencies : I have notified the major credit bureaus ( XXXX, XXXX, and XXXX ) about these unauthorized inquiries and requested their removal. 
Reached Out to the Creditors : I have contacted each of the aforementioned institutions to inquire about the basis of these credit pulls and requested documentation of any authorization. 

Despite these efforts, the inquiries remain on my credit report. I am seeking the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring the removal of these unauthorized inquiries from my credit file.

Enclosed are copies of my correspondence with the credit bureaus and creditors, as well as a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this serious matter.
Product: Consumer Loan

Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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 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
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.

15 USC 1681 SECTION 602 15 USC 604 A SECTION 2 15 USC 1681c ( a ) ( 5 ) 15 USCs-2 ( AX1 ) 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
Product: Credit card

This company jtm is a company reported on my credit report that I owe a debt to them and Ive never signed a contract with that I asked for a payment break down and the original contract that. I also noticed they are not licensed to collect debts in Illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Certified mail letters. Experian is being lazy and not doing their job. Under the FCRA, the burden of proof lies on Experian, XXXX, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX Consumer Financial Protection Bureau Subject : Complaint Against JPMCB and XXXX Dear CFPB Team, I am writing to formally file a complaint against JPMorgan Chase Bank ( JPMCB ) and XXXX regarding the ongoing reporting of a credit card account that I believe should no longer impact my creditworthiness. 

The account in question is XXXX XXXX XXXX, and according to the law, it should have already been removed from my credit report due to the length of time it has been active. However, JPMCB continues to report this account to the credit bureaus, which unfairly affects my credit score and financial standing. 

I kindly request that you investigate this matter to ensure compliance with credit reporting laws and protect my rights as a consumer. 

Thank you for your attention to this important issue. 

Sincerely,
Product: Mortgage

The complainant, XXXX XXXX, can not find a buyer to his home due to XXXX XXXX too close to the home permanently closed outside the only entrance to the Basement. The home also sustained Basement damages to the structural integrity of the home above ground level. The home can not pass inspection for sale except improved. 
XX/XX/XXXX. XXXX, Case XXXX XXXXXXXX, the XXXX XXXX XXXX XXXX XXXXXXXX referred the matter to the XXXX XXXX XXXX of Supervisors to come up with a proposal finding cost to improve the Basement damages for repairs. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX convened a Quasi Adjudication findings. In attendance were XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. The mortgage Company and Insurance force- placed on the home did not attend even though they were notified. XXXX XXXX presented an estimate for {$500000.00} to improve the home. The Board did not accept, however, tasked XXXX XXXX inspectors to visit the home, enter the home report findings. 
XX/XX/XXXX, XXXX XXXX inspector headed by XXXX XXXX entered the home and conducted inspection and reported findings to the XXXX. 
XX/XX/XXXX, the XXXX concluded in their findings and concluded reported improvement cost {$460000.00}. The mortgage company in the forced placed insurance of {$850000.00} since XXXX has enough funds for improvement instead asked XXXX, XXXX XXXX to apply for XXXX XXXX coverage which will be a false claim against the XXXX when such condition does not exist. 
Finally on XXXX XXXX the mortgage company released coverage and asked the complainant to go through own insurance companyXXXX XXXX XXXXXXXX XXXX XXXXompany . The Complainant provided an estimated Engineer estimate of {$560000.00} which is higher than XXXX XXXX. The insurer has the duty to send its own Engineer estimate cost can still repair the home less XXXX XXXX recommended improvement brings home to code and compliance. Complainant wants to remain in his home and has XXXX  children still paying his mortgage.The insurance company came and took pictures and denied claims. 
The lender wants property adequately insured so it should mandate repairs to address potential risks like structural issues, electrical problems, or outdated plumbing before providing new force-placed insurance. Under these circumstances, Lender is related to the insurer. These rules can apply to these transactions and are designed to prevent a debtor Mortgage holder insurer from getting around the typical debt forgiveness rules by having the creditor transfer the debt to a related person of the debtor. XXXX XXXX is eligible for principal reduction and also requested that CFPB resolve the matter. 
XXXX XXXX will continue making his payment as required under the law pending the resolution of the matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to insufficient customer service and unfair, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take the timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. There has been multiple times where my card has been charged for packages I never received but could never be refunded and I thought I was FDIC insured Up to XXXX. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$39.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX Balance XXXX : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

I've paid more than I borrowed initially, so this loan should considered paid in full and closed as of today. 

On XX/XX/XXXX, I borrowed {$1200.00} and as of today I've paid {$1600.00} As of today, Speedy Cash records reflectd s Loan Balance of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA/XXXX  XX/XX/2021 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX XXXX not unauthorized report
Product: Credit card or prepaid card

Contacted Synchrony BankXXXX and PayPaXXXX XXXX on XX/XX/21 to inquire about temporary relief due to financial hardship resulting from Covid 19 . I was told there are no programs available to assist with temporary financial hardship at this time. I have never been in default with any lender/credit card company, yet my efforts to avoid default during this temporary financial hardship is being met with zero assistance to avoid default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. One is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. Transunion, XXXX, and XXXX did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.
Product: Debt collection

I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.
Product: Credit reporting or other personal consumer reports

Over the past three months, I have contacted XXXX and Experian concerning the negative account with XXXX XXXX and the keep telling me the debt is validated and keep reporting inaccurate information. They told me the credit report had been updated and to take it up with XXXX XXXX XXXX but they are the ones who are reporting the information, and they know its inaccurate information. I had the car for 7 days and they never validated what or how much they resold the car for, and why they are reporting negative information on my credit. I have a XXXX balance with delinquent and late payments showing on my account as if I'm not making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/1995 XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX You are breaking the law. Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : If you choose to not take my request into consideration, I will have my information removed from your database. I will no longer do business with you or any financial institutions that pull information from you. Your company has practiced unfair reporting methods. You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me.
Product: Consumer Loan

I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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