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

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Debt collection

OnXX/XX/2020at XXXX cst, I received a phone call from number XXXX.I missed the call.A man answered the phone and said they had numerous departments and didn't know who called.He pretended to put me on hold and started asking for someone whose name he couldn't quite pronounce very well.He also did not ask for a number before asking for the person. 
I called and spoke with another lady, who told me she could not tell me anything at all.She later said her system was updating then it went to her asking the number I was called on, which I then provided.She said she did not have a record of my number on their file so I don't know who to believe of the two individuals. 
She went on to say she could not provide me information and was probing me for info.I told her if she could not tell me who she represent, I can't help her any further. 
I went on to google the number and I read they threaten to have a sheriff arrest you or ask for a credit card number. 
I want them to stop all and every harassment.If there is anything pertaining to me, they need to put it in writing. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XX/XX/2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, Experian shows XX/XX/2020 and XXXX has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX  Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Product: Debt collection

I received a call at XXXX saying I had less than XXXX hours to reach back out ; they called while I was driving. 

My medical bills are due to a coding error ; they used incorrect codes causing the balance to be exorbitantly more. 

They would not listen and said either I pay voluntarily or they would just get a default judgement. I have asked XXXX XXXX to correct and resubmit the claims.
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review. 

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings. 
- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : " XXXX XXXX '' with multiple variations. 
- Incorrect addresses listed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and variations. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : 3 late payments misreported. 
- XXXX XXXX XXXX XXXX # XXXX ) : 2 late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : 1 late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX  # XXXX ) : Unauthorized account with past due payments. 
- XXXX XXXX XXXX XXXX ) : Fraudulent activity reported. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XX/XX/year> ) - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - XXXX XXXX XXXX XXXXXXXX ) : Re-aged account. 
- **Exhibit : ** E
Product: Credit reporting

I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
Product: Credit card or prepaid card

This is regarding billing dispute XXXX. The merchant was XXXX for {$55.00}. I disputed on XXXX. It states action required by XXXX. On Citibank 's dispute summary page, it reflects action is still required. Citibank supplied a letter through their Notices and Letters stating they were reversing the credit on XX/XX/XXXX. 

I thought I returned this item and was wrong. I didn't respond to the dispute because I assumed Citibank would eventually reverse the charge. They did, although the dispute summary doesn't reflect that the investigation is complete. 

On XX/XX/XXXX, I sent an e-mail to XXXX to let them know it is still reflecting action required no later thanXX/XX/XXXX. They followed up with a letter. 

It is dated XX/XX/XXXX and states on XX/XX/XXXX that they asked me to follow up with them no later than XX/XX/XXXX. 

The problem is the dispute summary is incorrect and the action required date does not match the letter Citibank sent me on XX/XX/XXXX. In addition, there Notices and Letters page states all notifications and letters will be held there for 12 months. There is only one page when there should be more. I had two pages at one point and these documents disappeared. I spoke to a rep with Citibank the other day through their 800 number, and she said the problem has been reported by numerous customers in relation to billing disputes.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 an 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

I was approved for a trial loan modification on XXXX XXXX, 2015 with my XXXX trial period payments ( TPP ) scheduled for XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The amount of each payment is $ XXXXXXXXI made the XXXX XXXX payment of {$1800.00} by calling BoA customer service over the telephone using the funds from my XXXX account on XXXX XXXX, 2015. The transaction was completed the same day as the money was taken out of my account and deposited with BoA and I was given credit for the XXXX TPP payment of $ XXXXXXXXI called on XXXX XXXX, 2015 to BoA Customer Service to make the XXXX TPP ofof {$1800.00} using the funds available in my XXXX account. The transaction was completed. However, BoA made XXXX transactions instead of XXXX and attempted to withdraw {$1800.00} on XXXX occassions totalling {$7300.00}. Our account is overdrawn and XXXX charged us {$34.00} each for the transactions for non-sufficient funds as only XXXX payment of {$1800.00} was accepted. Also, we have written XXXX checks for water, telephone and gas that will be returned because the account is overdrawn. Upon calling BoA Customer Service on XXXX XXXX, BoA representatives said that there was nothing that they can do and that BoA might send a check for {$5500.00} within 10 business days. However, we ca n't wait XXXX business days as our utility companies may interrupt service by then. Also, we need to get reimbursed for the {$34.00} overdrawn NSF fees that will total {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, EQUIFAX, and XXXX Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations XXXX, XXXX and Equifax regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX XXXX XXXX EQUIFAX XXXX XXXX Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX XXXX : ACCOUNT # XXXX XXXX XXXXThere are XXXX accounts XXXX XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX XXXX Billing error on this XXXX XXXX XXXX  XXXX, never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this. 

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

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. 

ABILITY RECOVERY SERVICES , LLC I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Product: Debt collection

My information was caught up in this leak of information on consumer and been seeing debts on my credit report that I did not make and a bunch of inquiries also
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

PenFed is offering a checking bonus of up to {$500.00}. Bonus is broken down as follows : Get {$250.00} when you open a new PenFed checking account Make 2 direct deposits totaling at least {$1500.00} into this checking account by XX/XX/year>. 
I completed all requirements by XX/XX/XXXX, but have not received the bonus inspite of contacting bank multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX/XXXX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain inquiries that appear on my TransUnion credit report. Upon reviewing my credit file, I noticed the following inquiries that I believe are inaccurate or unauthorized. Below are the details of the inquiries I am requesting to be removed : First Premier Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX First Premier Date : XX/XX/XXXX OneMain Date : XX/XX/XXXX First Premier Date : XX/XX/XXXX These inquiries are either not authorized or incorrect, and I kindly request that you investigate and remove them from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that is inaccurate or incomplete. 

Please provide me with a copy of the updated credit report after the investigation has been completed. If you require any additional information or documentation to process my request, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX RE : Fraudulent Inquiry. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX 2. XXXX XXXX XXXX  Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 3. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 4. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 5. XXXX XXXX # XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 6. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX XXXX XXXX
Product: Student loan

Beginning XX/XX/XXXX, I was applying for an IDR or IBR plan. They repeatedly rejected this option, even though with the combined income of my husband and I, we made approximately 45,000 for that year and with both of our loans combined we owe over 30,000. Beginning XX/XX/XXXX, I was receiving emails stating to reply Yes to forbear payments. I replied yes to every email received, sometimes three time in the same week. Nothing was done. They are now requesting payment to the tune of $ XXXX/month, when it is clear they have ignored my requests and they are aware, based on the IDR application, that this amount is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

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

I recently received a copy of my consumer reports. I was shocked to learn that I have been a victim of identity theft. I was found numerous accounts on my consumer reports that were not opened by me. This has been hurting me as I am in the process of buying a new vehicle for my Family.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. In the attachments i uploaded the documents of me send them documents certified mail. and they have yet to comply
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1681/1681S-2/1681 ( 5 ) 1681c ( b ), according to XXXX XXXX XXXX in 1997 ; Experian is supposed to ensure maximum accuracy Please delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I made a purchase on a website for bikes on XX/XX/XXXX for {$210.00} with my Citi credit card. When I received the order confirmation email, something looked wrong with the links displayed. After looking into it, I noticed the email and the site I made the transaction on were fraudulent and were actually scams. Once I noticed this, I made a fraud dispute the same day. 

About a month later, Citi asked me for details since the seller was saying I made the purchase. I did not dispute that but followed up with evidence that I did not know I was being scammed and will in fact, never receive the products I " purchased ''. The site is not even available anymore as it has likely been taken down. 

Just today, XX/XX/XXXX I received a note from Citi saying they decided there was no fraud and my initial chargeback was reversed. I am not expected to pay that {$210.00} as it sits on my account. I called and explained to someone in hopes of a simple resolution and they said because I reported it as fraud first, there is nothing they can do now. If I would not have reported it as fraud, they might be able to help. This makes no sense to me. Please help.