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

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under XXXX XXXX Code XXXX permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX XXXX XXXX XXXX.

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Product: Credit reporting or other personal consumer reports

I am writing this request to EXPERIAN that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and some of my accounts have been compromised. Upon discovering this, I immediately reported the issue to the credit bureaus. Some accounts on my reports do not belong to me, while others were used fraudulently, resulting in unauthorized charges and negative remarks on my reports. 

I kindly request the deletion of the following accounts and hard inquiries, as they are fraudulent and not mine : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I need your assistance in removing the negative remarks on my account resulting from identity theft. The compromised accounts are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached my generated FTC report from XXXX XXXX XXXX, as instructed by the bureaus. I have also included my ID, Social Security card, and proof of address. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this account XXXX cant contact them its ruined my score
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 List of Unauthorized Inquiries : XXXX - XXXX XXXX - 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 or other personal consumer reports

Self reported false information to credit bureau for late payment for XX/XX/2024 which is false I have provided documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX 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 reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing the above companies to view my credit history. These inquiries are not factual and were for no legitimate business purpose. Therefore, reporting these inquiries onto my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I will be holding Experian liable along with the Companies reporting these inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by XXXX  way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX and they said I could check my options with no effect on my credit. That was a lie. They ran a hard inquiry on my check and I want it removed immediately.
Product: Checking or savings account

USAA was contacted XX/XX/XXXX to stop automatic draft for a vehicle traded in. USAA told me it was cancelled. On XX/XX/XXXX usaa drafted my {$780.00} ( without my consent ). As of today XX/XX/XXXX USAA has still not returned my money, taken without my consent. They keep delaying how long it will be to give me my money back. USAA has given multiple different timelines from 15 days to same day deposits to 3 days check mailed.
Product: Credit reporting or other personal consumer reports

XXXX had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, Where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

In XX/XX/2020, I left a XXXX XXXX at an organization, and there was a business credit card with Chase in my name. The organization required that the billing address be set by them, and I did not receive the bills at my home. However, the organization did not make payments on the credit card in XXXX and XXXX, and did not notify me that I had any payments due. In XX/XX/2020, after checking my credit score, I became aware of the issue and found out the payments were 90 days overdue. 

I had not received any bills, the organization had not told me any payments were due, and I had no way of knowing that there was a late payment due. In the 5 previous years of owning this card, there had never been any other late payments, and in my entire credit history of more than 15 years, I have not made any other late payments. 

Chase agreed to waive some fees and then I immediately made the payment. When I checked the account the next day, the fees had not been waived, and rather than deal with customer service again, I made an additional payment to cover the fees that Chase had originally agreed to waive. Chase then reported 2 different late payments to the credit reporting agency and my credit score dropped more than 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response from XXXX XXXX but they have not resolved the issue. Below is my feedback : Please note, this is the first time I get a response in detail. I have constantly contacted your office about the {$920.00} and GAP insurance. I even reached out to the dealership and they explained it should have been covered by GAP. 
The last time I contacted your customer service department was on XX/XX/XXXX and spoke with agent XXXX, he explained the same as I mentioned in my complaint. He even opened a new dispute and sent it for review to the department that handles credit reporting. He also provided me with GAP 's customer service number to dispute the {$920.00} amount, the number he gave me is XXXX XXXX XXXX. Please review your system for notes about this discussion. 
However, based on your response, I now understand the information provided by your customer service department and total loss department has been incorrect, which resulted in the delay of the {$920.00} amount. Please put into consideration that my account with XXXX has always been in good standing, I have never defaulted in a payment. 
At worst case, the {$920.00} payment was delayed by two months, why it is been reported as charge off rather than late payment?? 
I ask you to please review all my discussions with your customer service department and my several attempts to understand that last pending payment of {$920.00}. 
Please note, this incorrect charge off in my credit is putting a halt in a car loan I am trying to obtain through your financial institution. I urge you to please look into this matter as soon as possible. Thank you for attention.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Open Date : [ XX/XX/2023 ] Balance : [ {$1700.00} ] Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Open Date : [ XX/XX/2023 ] Balance : [ {$2000.00} ] I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. I appreciate your time and consideration in this matter and look forward to receiving a positive response
Product: Checking or savings account

Around XXXX, I sent money to another party, but was never warned that if sent to the incorrect person I could not get it back. Unfortunately, the party I sent it to did not want to return the money and my bank was also not able to recover it.
Product: Debt collection

In XX/XX/XXXX I received a cell phone in the mail from XXXX. I called XXXX  and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX  rep stated to take the phone to the local XXXX  store which I did. I got a receipt from store manager.

On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX  stated the phone was return as advise from XXXX  rep which I have a receipt from the XXXX  store. They asked me to fax it over I did. They said they will investigate.

XX/XX/XXXX My cell phone service was shut off. I then again called XXXX  and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX  to purchase a phone. I had service with XXXX XXXX  since then.

XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX  again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau.

My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019

got an advertisement from Discover Credit card to apply this without affecting my credit score. Start the application and at the end came on the screen " Congratulation ''. Than was said that a message was send to my phone. Have to say that being out of Sate was using my cell phone when the message was send to my residence. Than came a message on my computer screen that I will have soon a letter from Discovery. Did call them and had absolutely no help or answer concerning my application beside that a letter will be send to me. Little later saw that I had an hard inquiry on my credit score contrary to what they did advertise saying that applying will not affect my credit score. This was a bait and switch fro m Discover card. Ddid send a letter to Discover Card asking them to reestablish my credit score to what it was before their hard inquiry and they never answered to my letter.
Product: Checking or savings account

Chase bank has completely refused to mediate and resolve several matters with their company and customer service issues I have had as well as billing. I have been charged for expedited card replacement fees in which I did not receive the several cards ordered and I was provided with misleading information from Chase bank as to the delivery of the card and other misleading resolutions to the several ongoing matters. I spoke with a supervisor from chase who confirmed my account was in good standing and at a XXXX  balance and that I was eligible to close the account which she said she did at the point and that it was immediately closed. Chase has refused to close the account per my request or resolve any other matters of concern.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX CARD - XXXX - XX/XX/XXXX - {$3400.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

We are currently trying to refinance our mortgages. We just found out that Bank of America shows that our acct is charged off ( Acct # XXXX ) We had fell behind, a while ago, but set up payment arrangements with them, and the ACH our payments out each month. We have never received any info on a " charge off '' and currently paying them each month. We also show them still on our title, and they have a lien on our property still.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I mailed a letter to XXXX XXXX requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and TransUnion. 

In this letter sent on XXXX XXXX, XXXX, I also requested that XXXX XXXX cease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). XXXX XXXX received these documents on XXXX XXXX, XXXX. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. 

On XXXX XXXX, XXXX, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and TransUnion. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the XXXX XXXX account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that XXXX XXXX  have verified the account. I requested the documentation of the verification, but none could be provided. 

I am utterly uphauled at how XXXX XXXX, XXXX, and TransUnion have handled this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

XXXX XXXX  has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

XXXX XXXX has had ample time to resolve this issue and they have done NOTHING!

I demand the immediate removal of this account from the three major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 significant inconvenience and financial loss, and I see appropriate redress for these violations