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

I am a victim of identity theft. I noticed several fraudulent inquiries on my credit report. I have tried to resolve this matter with the credit bureaus and submitted multiple complaints on your website and the matter has not been resolved. I've already filed a FTC report and sent in proof to the credit bureaus and they violated the credit law. Please immediately have these inquiries removed from my credit report! Inquiries listed below : XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXXXXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

Trans union and XXXX are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX  XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXXr I have a service called XXXX XXXX through XXXX  XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Product: Debt collection

This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO  made an unauthorized enquiry on my credit profile on XX/XX/, i have made several efforts to have this removed but was unsuccessful.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 process was unfair and deceptive, a they did not comply with error resolution requirements under the EFTA and Regulation E. Thee 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 Act XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. These Items have all been included in a police report as well as an identity theft complaint..
Product: Checking or savings account

My account Was froze and displayed the message verify identity issubmitted front and back copies of my state issue driver 's license front and back copies of my social security card and a selfie of me holding my social security card and identification card next to my face they unlock my account I made one transaction and they locked my account again and told me to verify my identity and refuse to give me any information as to why my account was locked and are just blocking me and not allowing me any information whatsoever they're telling me that they'll send the email but I've been waiting for over a week now for an email and have not received it They tell me to call them I try to call them but I can not call them because my account is not verified They are using unfair and uncalled for tactics and holding my money ransom from me
Product: Money transfer, virtual currency, or money service

Want my refunds!! 
XXXX # XXXX {$1000.00} XXXX # XXXX {$600.00} XXXX # XXXX {$180.00} MONEY ORDER NUMBER
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX .... Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense XXXX XXXX XXXX XXXX I filed an FTC report as I was instructed to by Equifax and I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. The inquiries that are being disputed are fraudulent. The below is my sworn statement concerning these credit issues. 

You are reporting the INQUIRIES that are the result of the fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these inquiries do not belong to me. 

I have provided all of the above listed items within this package. Therefore, I expect these listed Hard Inquiries to be deleted. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these inquiries be permanently deleted.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on XXXX its reporting a late payment of XXXX days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 30 day late payment on XX/XX/XXXX and on XXXX a XXXX  day late payment, a 30 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. XXXX is reporting a XXXX day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on Equifax its reporting a late payment of 60 days on XX/XX/XXXX and on equifax it is reporting a late payment of 60 days on XX/XX/XXXX. On equifax its reporting a XXXX day late payment on XX/XX/XXXX and on XXXX a 60 day late payment, a 60 day late on XX/XX/XXXX on XXXX and a 60  day late payment on XX/XX/XXXX. equifax is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX XXXX day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the equifax credit report. on the XXXX credit report its reporting on time for the month of XXXX with no late but on equifax its reporting as a 30 day late. on XXXX its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX XXXX and equifax. ( see attached credit reports to this complaint ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting

I do not believe I owe the dept they are reporting and it is extremely difficult to communicate with experian.
Product: Student loan

Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.
Product: Debt collection

Dear Resurgent Capital Services, I am writing to follow up on my previous letters and my complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the debt that is currently on my credit report. As I have stated before, I did not receive any notification or validation of this debt, and I have requested substantiation of this debt multiple times. 

I am attaching all of my previous correspondence with your company, including the letters I sent requesting validation of the debt and my previous dispute through XXXX XXXX. As you can see from these documents, I have repeatedly requested substantiation of this debt, and I have not received it until my complaint to the CFPB in XX/XX/2023. 

Furthermore, I would like to address the fact that every time I have contacted your company with a claim through the CFPB, you seem to retrieve new documentation with questionable dates entered. Moreover, None of the documents provided from my first correspondence with the CFPB addressed the fact that I requested substantiation of debt and had not received it until my first complaint. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.

If the consumer disputes the debt, the debt collector must cease collection efforts until the verification or substantiation of the debt is provided. The debt collector must also inform the consumer of their right to dispute the debt and request verification or substantiation.

If the debt collector fails to provide verification or substantiation of the debt, the consumer has the right to sue the debt collector for violating the FDCPA. Additionally, if the debt collector continues to attempt to collect the debt without providing the verification or substantiation, they may be subject to penalties and fines. But Im sure we all know the laws surrounding this situation.

As such, I am requesting that you remove this debt from my credit report because you failed to provide substantiation of the debt when it was requested, and I am only receiving substantiation of debt now, which still does not comply with the law as it was only given after my complaint to the CFPB. 

I urge the CFPB to verify any and all documents provided by your company. It is important that you adhere to all state and federal laws and regulations concerning the collection of debts. 

If this issue is not fully resolved, I will have no choice but to seek further action through the XXXX XXXX XXXX XXXX, my private attorney, and NY state attorney general 's office. I take this matter very seriously and I will not hesitate to pursue all available avenues to protect my rights and interests. 

Please see attached documents that are notarized and show proof that I have been making substantiation requests that have been ignored by this party. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Problem is with Bank Of America. I had a credit card with them that I did not use at all. they sent me a promotional offer of 0 % - XXXX $ XXXX XXXX XXXX limit to use for 18 months with no interest. I called a representative and they sold me on it as a no interest fee or late fee for 18 months. I accepted and used about 2000 $ with them as a XXXX XXXX. I kept checking my phone app every month and throw in a little something there ranging from XXXX $ to XXXX XXXX Last week I got an email that I have an amount due / late. I was under the impression that I should not have late fees or interest fees. I received an automated call letting me know your account is in debt. I talked to a representative last week who had ZERO knowledge ( i hope you pull the recorded call ) and she didn't know how much is the late fees or interest payment so it was a very misleading call. I paid the minimum payment required next morning - I was surprised over this weekend that my credit score dropped a XXXX points and a missed payment was mentioned!!! 
I talked to a manager called XXXX letting him know that this was a misleading info. I got while being sold on this XXXX XXXX and there was a high pressure sales on me. I asked him to conference me in with a credit analyst and he said he will file a dispute on my behalf for this credit reporting issue. He then sent me to an answering machine as they were all out. I called again and talked to a manager called XXXX and she said XXXX did not submit anything on your behalf!!! - he was deceiving me to get off the phone I guess. Then she told me there is NOTHING we can do about the credit reporting we did against you. And guess what they decreased my credit limit to XXXX $ from XXXX $ to start incurring interest. 

I need your help as I am closing on a home and this is really going to make me lose the opportunity. Does it make sense for someone who has access to cash of above XXXX $ to miss a XXXX $ payment and get a XXXX points deducted on his credit report??? 

High pressure sales and misleading info. and In-knowledgeable staff members caused me to fall for that sales pitch from Bank Of America. Unfair practices from their managers to. 

I need your help to get my credit report back to normal and have Bank Of AmericXXXX remove that report so I can close on my house. I also need any late fees or interest to be removed. I am willing to payof that whole balance and close my credit card with Bank Of America immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have Tried to contact Transunion Customer service and they were not helpful/ didn't want to help- Have also attempted to dispute online and ail in letters into them as well with no avail and no update or any communication from them. It has now been 2 months and every attempt has been unsuccessful. The information displayed on my report is not accurate and is vastly different from other Credit Reporting Agencies. Specifically Transunion is showing 50+ Inquires that are not mine / were no authorized pulled by me. 

Inquiries In Question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me nor do I have any part in them - They have been discovered during a review of credit reports. As previously stated I have contacted customer service, sent letters in the mail several times and have gotten no help or resolution as if they want them to remain and don't care about accurate consumer reports. This is the only credit union that refuses to help- XXXX and XXXX have gladly resolved these issues and cleared and deleted them while Transunion does nothing I would like these removed ASAP from my credit file or I will pursue an attorney to get this resolved - I am trying to do things the proper way and they are failing to help me as the consumer by ignoring everything I send them and customer service refuses to help as well and says to impute them and then nothing happens. This is getting ridiculous.
Product: Debt collection

I repeatedly get wrongfully reported by National Recovery Agency, they have tried around this time last year to which I successfully won my dispute with the credit bureaus and had removed from my credit report until now, I see this debt which is NOT mine as I hadn't been not only in XXXX  XXXX, the state of XXXX, even the XXXX when they are claiming this to be mine. They have admitted before that it is their error now they're repeating the exact issue with the exact account I already had successfully disputed before. I find this to be a complete violation of my credit rights along with protection because there should be know way that I have to keep on suffering a credit impact because they do not want to respect my rights and fair credit by not adhering to fair practices of not continuously placing false information on my credit report and having me suffer the detrimental impact on my credit profile takes until it finally resolves ( again ).
Product: Vehicle loan or lease

A car dealership fraudulently falsified my original contract and all previous paperwork that I have signed by removing my bank information and get a loan from PNC under my name while I walked in to the dealership with my approval letter from my personal bank that I have been banking with for 10 years. 

Suprisingly, PNC underwriters still approved the full amount of the loan without contacting me while they see that all the documents submitted on my behalf have my original bank name crossed out and my initials were not even provided. 

Since the contract has been modified without my consent and I never signed a loan with PNC, I refused to go pick up the car but PNC still not yet removing the loan from my name. ( I know PNC team is currently working on resolving that fraudulent activity but I feel the process is taking too long before they remove that loan under my name )