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

On XX/XX/11 around XXXX XXXX I deposited {$480.00} dollars in cash at the lobby ATM at a Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The transaction went through however they couldnt read a couple of bills so I selected deposit more as I tried to deposit those bills I got an emergency phone call from my partner which led me to leave my credit card in the machine and leave right away. 

Unfortunately I did not take any pictures or received any receipts. 

The following day I get a call from the bank saying they shredded my card and when I checked my account there was no deposit made there. 

With a lot of calls they opened an investigation and credited my account but shortly after sent me a message saying they would take the credit back - no explanation, no checking of counting the ATM log, no checking of security footage. 

I wont let this go until I retrieve my money back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Preferred Lease, a rent-to-own company located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is reporting a charge off on my credit report which I paid down initially. Once the account went into charge off status, I disputed its inaccuracy. Ive reached out to the company several times directly in order to solve this matter via phone and mail to no avail. I have to tried to make payments on it and set up payment plans to have it taken care of. After a while I was not able to get through to them. They repeatedly updated my account as charged off monthly, which is in violation of the FCRA and they denied me the opportunity to settle. I disputed this with XXXX to no avail. I would like this account immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow for Hard Credit Inquiries to be removed online. I have had proof from XXXX XXXX XXXX XXXX XXXX that the inquiry made with my social security number was fraudulent. For the record here, I never applied for any of their products. 
This hard inquiry goes back a year. Also noting here that I contacted XXXX three times from last year before a rep from president 's office reached out to me this spring. We don't need to be reminded how credit impacts our lives. Why not remove errors as quickly as negatives reduce our credit scores for anything? 

I had great credit until XXXX. When my credit score dropped XXXX points despite having no scars and always paying off debt with significant amounts. I have exceptional payment history according to credit reporting agencies. 
I am not sure why it takes Experian this long ( over 60 days now ) to remove this error. XXXX notified them of the fraudulent inquiry in XXXX. I take care of myself and my mother. I can not afford to have my credit exploited. 
My credit score going this low has prevented me from debt consolidation opportunity as well. I am open to investigate my debt in last 3 months with Experian since paying off more and more debt has lead to lower credit scoring.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Upon inspecting my credit report, I have ascertained that there are multiple credit inquiries that I deem unauthorized and possibly fraudulent. Specifics of the inquiry in question are as follows : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I affirm that I have neither granted permission nor acquiesced to allow the aforementioned entities to peruse or evaluate my credit information. Furthermore, no consent was imparted on my behalf for Transunion to compile such inquiries into my credit history. These practices appear to contravene Section 1681b ( c ) of the Credit Reporting Act and encroach upon my statutory privacy entitlements. 

In compliance with the requirements engendered by this situation, I request verification of this data from the above-listed entities and insist upon receipt of all pertinent documents substantiating these inquiries, inclusive of those containing my signed approval if existent. 

Moreover, I mandate that Transunion present tangible evidence of a contractual agreement between myself as a consumer and Transunion that establishes explicit consent for Transunion to disseminate any personal information thus related. This document must bear my signature as proof of consent. 

Should such validating documents be unobtainable or nonexistent, I hereby demand immediate expungement of these questionable inquiries from the credit file linked to my Social Security number. 

Please be apprised that under Section 611 of the Fair Credit Reporting Act, there exists a statutory obligation for your entity to procure the requested agreements and execute an investigation forthwith. 

I anticipate your prompt attention and resolution to this issue. 

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

This information is incorrect and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX, Transunion ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT ACCOUNT Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX ( original Creditor : XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX $ XXXX ( XX/XX/XXXX ) XXXX XXXX FS XXXX {$12000.00} ( XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

The company CAVALRY PORTFOLIO SERVICE LLC have placed a account collection in my credit report without sending or provide me a notice of my rights, required under 15 U.S.C 1692g. 

The company CAVALRY PORTFOLIO SERVICE LLC affirm that they did but I did not receiver such a notice, if so I request them to provide me with proof of delivery to me with my signature ( certified mail with a receipt ). 

Therefor The company CAVALRY PORTFOLIO SERVICE LLC have been notified with a letter to cease and desist ( in attachment ) on FCPB complaint # ( XXXX ), and a letter ( in attachment ) request to remove the collection account off my credit report.
Product: Debt collection

On XXXX AscensionPoint Recovery Services, LLC. sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XXXX and requested that they conduct an investigation and to send me the results. 

On XXXX I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX the FDCPA and the Texas XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with XXXX XXXX  that my XXXX XXXX dropped XXXX points. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX XXXX XXXX and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXX 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 '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

From the Desk of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XX/XX/2019 Consumer Financial Protection Bureau Complaint Department To Whom it may Concern : I have written you previously, on XX/XX/2019, because our company, XXXX XXXX XXXX XXXX, and myself, XXXX XXXX XXXX, XXXX XXXX, at the address XXXX XXXX XXXX XXXX, NY XXXX, received several Demand For Payment letters from Key Bank, headquartered in XXXX, OH. This was for loan # XXXX, made in the name XXXX XXXX XXXX XXXX At the time, Key Bank supplied no supporting documents relating to this loan. 

Thanks to letters to agencies such as yours, and the XXXX XXXX XXXX, Key Bank supplied the supporting documents that showed that our then-current obligation of {$4600.00} was owed to Key Bank because Key Bank had purchased a mortgage loan we had made with another bank.

Key Bank sent us another loan statement in the amount of {$4700.00}, which we received on XX/XX/2019 ( Exhibit A ). We paid this statement off with a check for {$4800.00}, on XX/XX/2019. That check cleared on XX/XX/2019 ( Exhibit B ).

Key Bank has since sent us another payment demand, which we received on XX/XX/2019, for the amount {$4700.00} ( Exhibit C ).

In separate telephone calls on Friday, XX/XX/2019, our company bookkeeper, XXXX XXXX, and our company CFO, XXXX XXXX, tried to tell Key Bank representatives that the statement had been paid off. No Key Bank representative would take any action on these notices, saying that Ms. XXXX and Ms. XXXX are not listed on the account. 

I would call Key Bank myself, but I am severely hearing-disabled. Telephone customer service with recorded prompts, and when one finally reaches a live representative numerous questions by which I have to identify myself, are a torture to me.

I feel, as a hearing-impaired person, that I am being made a victim by Key Bank. It is a disgrace that a Key Bank representative can not talk to one of my representatives to confirm a simple matter such as a check payment, and to perhaps place a note on the account that payment is made. It is a disgrace that no note can be made of the fact that I am hearing-impaired, and that any identifying questions should be reduced to a simple password identification. 

Please do something to stop this particular annoyance, which is the latest in trouble over this loan from Key Bank Sincerely, 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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

There are two HUD liens on my home for exuberant amounts I did not approve totaling XXXX. I have reached out to HUD to negotiate these with no response as I feel the amount was never that high. Ive called my lender to ask for break down and get nowhere. I was given generic amounts but to financials to back them.
Product: Mortgage

The process to request removal of PMI is purposely slow. I am now waiting to be notified of the initial appraisal date and this is a process that should take a total of 2 weeks. PHH sent the application to request XXXX appraisal 2 weeks after the initial request. Once the fee was sent to their PMI removal department, they cashed the check for the {$150.00} fee and sent nothing to me notifying an appraisal date or even that the request and fee was received. No email nor electronic notification was in my online account and when I called, the representative could tell me nothing about the process. I believe they are purposely stalling in order to keep this " fee '' and continue to bill me for something that should not have taken more than a month to remove. It's now a month later and I am still paying PMI, I have submitted an application/fee and I have no idea when or if the XXXX appraisal will happen to determine if they will remove PMI. I am sure I am eligible for PMI removal since I have new flooring throughout and I have a full kitchen remodel since I obtained my mortgage a little over 2 years ago. A representative ( XXXX XXXX XXXX took all this information and said that he did not have an ETA on a resolution and he did not know when he would receive a response from the PMI department. With the holidays coming up, I doubt I will see movement on this until after the new year
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.
Product: Credit reporting

I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address and also l stating I have an open collection
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 violates the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and avoid fraud on their platform. Leaving my account vulnerable and unprotected. P, 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

MY CONSUMER REPORT IS REPORTING AN ACCOUNT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THE ACCOUNT IS PAST THE STATUE OF LIMITATIONS, PAST THE STATUE OF LIMITAIONS FOR COLLECTION IN MY STATE. IT IS ALSO REPORTING INACCURATE INFORMATION IN THE STATUS DATE/AND DATES. ( THIS IS A VIOLATION OF THE FCRA AND FDCPA. I WILL NOW BE SEEKING FOR DAMAGES UNDER BOTH THE FCRA AND THE FDCPA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT IMMEDIATELY. YOU HAVE " 1 DAY TO DELETE THIS ACCOUNT ( {$830.00} ) FROM MY CONSUMER REPORT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Comenity Bank have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a 100 points and Ive disputed this again but every 3 or 4 years they sell my information from this XXXX and Wayfair accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Product: Credit reporting or other personal consumer reports

Transunion has been notified by me on XX/XX/2024 to produce documentation that has been certified under penalty of perjury from the data furnish er as Transunion CLAIMS it was verified, instead of providing relevant documentation with evidence Transunion ON XXXX XXXX 2024 decides to stall me out by not doing a reasonable investigation about this issue, Transunion with out any written consent by my just added a phone number to say item has been added to my file. Transunion plays childish games, its a willful participant in harming my life by not abiding to FCRA laws as it bound by them. Transunion willfully ran a foul of the FCRA law. 

I DEMAND YOU FOLLOW THE THE LAW ACCORDING TO FCRA FAIR CREDIT REPORTING ACT This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( XX/XX/2024 ). 


To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative item, as originally requested. 



In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. account # XXXX XXXX XXXX ( XXXX ) account # XXXX  XXXX XXXX XXXX XXXX ) account # XXXX XXXX  XXXX XXXX XXXX ) 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of this account in XXXX. I mailed a debt validation letter and never received a response. Instead this account was added to my credit report. I filed a complaint and the issue was not resolved so I filed a dispute with the credit bureaus. As a result the account was deleted on XX/XX/XXXX (  proof attached ). Two days later the account was added back to my credit report after deletion XXXX proof attached ). On XX/XX/XXXX, I reached out to TransUnion and spoke with a rep and supervisor who told me that I have to wait until an investigation, that has nothing to do with this account, is complete before I can see the account removed. I already have a report dated XX/XX/XXXX showing the account removed! But no one could provide and explanation of how it was added back 2 days later. Even if it 's showing under another collection agency ( which it is not ) that still would not have allowed me time to request debt validation. This is a direct violation of my rights, and if this account is not removed ASAP, I will be seeking legal consultation to see how I can be compensated for the distress your company has caused me.