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

I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

Equifax : Inquiry Account Name : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with regional acceptance -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.
Product: Money transfer, virtual currency, or money service

Heres the information from the image transcribed : ( 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. XXXX  acct # XXXX, transunion acct # XXXX. All have failed to comply in a timely manner.
Product: Credit card or prepaid card

I obtained from Synchrony Bank the Banana Republic Credit Card on approximately XX/XX/2019. I have been using my account and have already made payments on my account. On Wednesday XX/XX/19 my account was abruptly closed by Synchorny Bank. I contacted the bank and the representatives are unable to provide me any explanation. I spoke with Account Manager XXXX with reference # XXXX. She stated that I must wait 10-14 days to find out why my account was closed with a letter in the mail.
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 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 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: Debt collection

XXXX XXXX has a history of charging an initial amount that is paid in full THEN weeks later try to get more money by sending a bill claiming more is now owed that wasnt the original amount. I have contacted them multiple time on several occasions stating their business practice is unethical and should stop. 
Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Mo XXXX XXXX is their latest contracted bully who is trying to get me to pay {$56.00} more AFTER be paid {$910.00} on the day of service. They have assigned my case a reference number of XXXX. They say they accept disputes electronically at XXXX BUT when you go there to actually dispute the charge you discover there isnt a link available to supply a dispute. 
Both XXXX and Credit Control should be charged with fraudulent activity. 

Please help. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

( XXXX, XXXX ) 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX  XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief contacted me and told me I had {$13000.00} worth of credit card debt that they would work with creditors and I would pay only {$6500.00} and it would be listed on my credit report as paid in full and closed by customer.As of now I paid FDR {$4500.00} and XXXX XXXX  there sister Company {$6300.00} and there are 8accounts marked negative charge off on my credit report at all 3 credit Agencies ... I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to remove name that isn't mine and employers that I don't recognize as well as unverified accounts that I have no idea what they are
Product: Bank account or service

On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.
Product: Credit reporting or other personal consumer reports

I have found a number of inaccuracies on my report. This company is still posting information that is almost 8 years old. XXXX XXXX is a charge off which is considered income and is well over 7 years and should be removed from my account immediately.
Product: Credit reporting

I rented an apartment XX/XX/XXXX with a friend. I moved out of the apartment in XX/XX/XXXX. However, my friend stayed in the apartment. I went to the main office and requested my name to be removed from the lease, I was told that everything will be OK and my name was would be removed. I later found out that my friend was behind on the rent and my name was still on the lease. Since I 've already moved out of the apartment and requested my name to be removed from the lease I am not entitled to this amount. I would like to get it removed from my credit score because it is affecting me. I am not able to get a loan for a mortgage, and buy a house for me and my family.
Product: Checking or savings account

I called USAA around XX/XX/year> to inform them I was being charged daily by XXXX for a rental car that I had less than XXXX hours. I put in a stop payment. The agent informed me that if the charge went through anyways, I could simply dispute the charge. The representative told me it would take up to 45 days for the dispute department to process the dispute. She asked me if I had documentation to add to the case. I did & informed her I would use my phone since I had the USAA app downloaded. 

I went to the app to upload all the evidence to dispute. I got a message from USAA at the end of XXXX ( around XX/XX/XXXX ). They gave me a vague answer as to why they found evidence that I was responsible for the charges. I downloaded copies with the answer that the USAA dispute department gave me on the document that was uploaded after the investigation. 

I didn't understand why they found me responsible, so I put in another request ( around XX/XX/XXXX ) The agent told me since it was a review it wouldn't be another 45 days to resolve this, it would only take 10 business. He also said to upload proof if possible, which I did. I uploaded my evidence again. I called USAA to ensure it was received. The representative took a look & stated she could see everything that I uploaded using the app. 

When I received another refusal from USAA on my dispute, it was 3 weeks later instead of 10 business as I was told earlier. The response was the same one I got almost 1 month earlier ( something along the lines " We investigated, looked at the evidence.. ) there wasn't any concrete reason given. I have both documents from the said investigations. 

On the dispute letters, USAA put the wrong date on the 1st refusal. When they informed me the 1st time, it was at the end of XXXX. I did NOT a month to put in a 2nd review
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principle, this should serve as a written notice to the Equifax that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. These accounts and their history should be removed or reported positive.
Product: Student loan

TO WHO EVER RECEIVED THIS, MY NAME IS XXXX XXXX XXXX XXXX TRYING TO ADDRESS A SITUATION. WHERE MY STUDENT LOAND ARE CONSOLIDATED AND I TRY TO CONTACT XXXX XXXX XXXX IN REGARDS OF IT, SO THEY COULD TAKE ANY ACTION ON THE REMOVAL OF THIS ACCOUNT. HERE THE ACCOUNT NUMBER
Product: Money transfer, virtual currency, or money service

Im getting daily emails and text messages stating that my PayPal account is at risk. I dont have a PayPal account and I never have I can send you photos of text message and the number attached I dont open your follow the link I just took a snapshot of it on my phone.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity Theft i did not give any XXXX to anyone to open these accounts
Product: Bank account or service

I am a   XXXX   XXXX    XXXX  that serves as an exexcutive for  XXXX   XXXX   XXXX . Since the turn of the century  XXXX  has been addressing the distracred driving " deadly epidemic. '' with intelligent  driving road conc entration training. For over  three yea rs  XXXX  conducted the " modernization of telephone banking '' and after opening and account a t Capital One 360,   XXXX   XXXX  , that has a safe system that rings right through the bank, but soon disco vered their partner  Captial One had outdated telecom with dangersou prompts, see :   XXXX   XXXX   XXXX   So being   involved in the   XXXX   XXXX   banking campaign spent  may ex tra hours, educatiing interested bank reps and managers about the   XXXX   XXXX   protocol, until approximately  nine month s later was congratulated by both reps and managers on the fact that Captial One was planning on using some of the  XXXX  recommendations. A short time later Ca pital One ch anged their  telecom to off er voice command then after  XXXX  realiazed that they we re sitll m aking the hazardous ATM record request, and we contacted them many times about this, and shortly there after they ceased to make this request, thusly addressing all the main   XXXX   XXXX   recomendations, except offering fair market research value compensation that is included with tnis imformation. We tried appealing to them to offer a donation for using this info or just for the good cause of auto safety so we could help protect their families, employees and everyone as a  million pe ople died in auto accidents last year!  Capital One refused  to pay for this info, and was reported to CFPB and has been lying to them and  XXXX  about this matter, as it can be proven by tapes they recorded of my many campaign conversation.   So we as k Captial One to be  honest about this, listen to the tapes, and study the time line on all this, and then it wil be obvious we were the major contributor to these changes, and if not why did their own employees tell me this? The tapes have the conclusive evidence, so we a sk Captial One to l isten to them, be honest and give credit and donation payment where it is due to help make the roads safer for all!
Product: Credit reporting or other personal consumer reports

Follow-Up Letter with Intent to Sue XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Follow-Up on Dispute Under 15 U.S.C. 1681i ( 7 ) and Notice of Intent to Sue Dear TransUnion Dispute Department, I am writing to follow up on my formal dispute submitted on XX/XX/XXXX, regarding inaccuracies on my credit report. As outlined under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), you were required to complete your reinvestigation and provide a response within 30 days. To date, I have not received a satisfactory resolution or any documentation substantiating the verification of the disputed accounts. 

List of Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA , you are required to provide written evidence of your reinvestigation process, including the methods and records used to verify the accuracy of each account. Your failure to comply with the statutory deadlines for reinvestigation constitutes a violation of federal law and has caused harm to my financial standing and creditworthiness.

Demand for Immediate Action To resolve this matter, I demand the following : Immediate removal of any unverifiable or inaccurate information from my credit report. 
A complete copy of the reinvestigation documentation, including the methods and records used for verification, for each disputed account. 
A written explanation of why you failed to meet the statutory deadlines under the FCRA. 
Notice of Intent to Sue If I do not receive a satisfactory response and resolution by [ Insert Deadline : typically 710 business days from the date of this letter ], I will have no choice but to pursue legal action. Under the FCRA, I am entitled to seek actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorney fees and court costs for willful or negligent noncompliance. 

This letter serves as my final attempt to resolve this matter amicably. Please direct all future correspondence related to this matter to my attention at the address provided above or via email at XXXX. 

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

You are in Direct violation of the fair credit reporting act... account name XXXX 
Account number # XXXX ... Has violated several of my rights..

15 u.s.c 1681 section 602 A. Clearly states that i have the rights 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 1666 B : A creditor may not treat a payment on a credit card account under open-end, consumer credit plan as late for any purpose... Remove these late payment and up date this account immediately as you in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies ( XXXX, XXXX, Equifax ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, XXXX, Equifax ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX  # XXXX - Credit reporting agencies ( XXXX, XXXX, Equifax ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Product: Debt collection

Portfolio Recovery is reporting inaccurate information on my credit report. 

That is a violation of the FDCPA. They Have to report accurate information or delete the account of the consumer report. 

below is the proof of inaccurate reporting on my consumer report. 

15 usc 1681e ( b ) ( b ) Accuracy of report 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 or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or these accounts : XXXX XXXX XXXXXXXX XXXX  : {$610.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}