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

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized XXXX XXXX XXXXXXXX to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXXXXXX XXXX XXXX 
2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX XXXX 
3. The name and contact information of the individual or department within XXXX XXXX responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Violation of FCRA and Improper Reporting of Paid Collection To Whom It May Concern, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and improper reporting of a paid collection on my credit report. First of all it should never have been reported as a collection, I switched service addresses with XXXX  and instead of transferring services they created a whole new account instead of doing it properly. Despite paying this account in full, the creditor and the credit reporting agencies continue to inaccurately report it as unpaid or unresolved. This failure to update and verify accurate information is a clear violation of FCRA regulations, particularly 611 ( a ) and 623 ( a ) ( 1 ) ( A ). 

Under the FCRA, furnishers and credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The continued reporting of this paid collection account demonstrates blatant noncompliance with these standards. Additionally, I suspect that the XXXX system, which automates dispute processing, has failed to adequately investigate my dispute, violating my rights as a consumer. 

Specific Issues : 1. Violation of 611 ( a ) : The credit reporting agencies failed to perform a reasonable reinvestigation of the dispute I submitted regarding this account. 
2. Violation of 623 ( a ) ( 1 ) ( A ) : The data furnisher failed to report accurate information after being notified of the error. 
3. Improper Use of XXXX Codes : The use of inadequate XXXX codes likely resulted in an automated and insufficient dispute resolution process, failing to address my specific concerns. 

Requested Action : I demand the immediate removal of this collection account from my credit report as it has been paid in full and should no longer be reported as derogatory. Failure to correct this matter will leave me with no choice but to escalate this issue, including filing a formal complaint with the Federal Trade Commission ( FTC ), exploring legal action, and seeking statutory damages for willful noncompliance under 616 of the FCRA. 

Attached, please find copies of the following : 1. Proof of payment for the collection account.

2. A copy of my credit report highlighting the inaccurate entry. 

I expect your acknowledgment of this complaint and resolution of the matter within 15 days, as outlined in the FCRAs procedural timeline. 

Sincerely, XXXX XXXX Enclosures : Proof of Payment, Credit Report Highlights
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and Im confused as to why. Ive never encountered this before while reviewing my report. Even after refreshing the browser, they didnt go away. I am very upset about this and need the documents Ive sent to be thoroughly examined immediately so this problem is completely resolved.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( block , inc ) for inadequate customer service and unfair practices, That violate my customer financial protection act ( CFPA ) Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic funds 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

I am here by putting you in notice of the obvious violations WF DILLARDS has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
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 U.S.C. 1681 Account Name : XXXX XXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX - Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX  - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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: Checking or savings account

On Tuesday, XX/XX/XXXX the CHASE mobile app reflected an available balance of {$110.00} reflecting three small transaction that were subtracted from my available balance. 

Obviously the funds were there to pay for these three transactions. 

The very next day, XX/XX/XXXX, my account reflected that a larger item had also been presented to the account and the bank took it upon themselves to re-arrange the order of the transactions resulting in overdraft charges of {$130.00} rather than the {$34.00} overdraft fee that should have been charged for the ONE item that was presented when the account balance was too low to cover it. 

I was charged {$34.00} for a {$14.00} transaction I was charged {$34.00} for a {$20.00} transaction I was charged {$34.00} for a {$110.00} transaction All three of these transaction were covered by my available balance the day they were presented to my account.
Product: Bank account or service

Dear Sir/Madam, I am follow up on the ongoing problems caused by poor customer service of Scottrade Bank and their affiliates. 

In order to warn current and future customers of the poor customer service and illicit actions of Scottrade Bank, I have requested the CFPB public this description on consumerfinance.gov so that others can learn from my experience. 

Preliminarily, after being a victim of the data breach disclosed by Scottrade Bank XXXX I was consequently the victim of identity theft that caused a hacker to gain access to my Scottrade Bank account. The hacker then used the leaked information to conduct fraudulent transfers. 

Upon notifying Scottrade Bank of the fraudulent transfers I heard silence. Indeed, to this day Scottrade Bank will not provide me will all of the evidence they are required to disclose under Regulation E. 

I followed up with Scottrade Bank, citing the Regulation E clause, and Scottrade Bank responded by saying that I was " harassing [ Scottrade Bank XXXX '' and has refused to respond to my legitimate requests. 

I am writing this as fair warning to all customers of Scottrade Bank that in the event of a dispute it is likely that XXXX Bank will refuse to respond to your concerns. Indeed, you can review other nefarious actions of Scottrade XXXX. 

I am open to receiving a full response from Scottrade Bank that addresses the concerns and have repeatedly opened channels of communication with them, however, Scottrade Bank continues to refuse to respond to my questions.
Product: Credit reporting or other personal consumer reports

My credit was ran at the locations listed below unbeknownst to me numerous of times ... WELLS FARGO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NXXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX OF XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/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 Auto ) XX/XX/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 ( Auto ) XX/XX/XXXX XXXX BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX DEALER ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX & amp ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXXXXXX This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report XXXX XXXXXXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company just reported four accounts on my credit file. I was never given the opportunity to dispute the information as it is false. This is not right at all what they do to consumers. 

Paramount Recovery Systems XXXX {$320.00} XXXX {$780.00} XXXX {$1800.00} XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I have an old auto loan account on my credit report as open and active even though that account was closed upon refinancing with a new lender. I submitted the request to have it removed and my complaint came back stating there was no issue on report. 

This account was closed over 2 years ago.
Product: Debt collection

They had put a collection on my account starting in XXXX saying I owed living at XXXX money when in fact, I never owe them money and Covid rent Relief had paid them off. The last time I was at this complex was in XXXX and now were in XXXX, and this fake debt collection agency are committing fraud and putting false collections on my credit report
Product: Checking or savings account

After changing my phone number, I don't have access to my account anymore, because the bank sends a code to the phone number on file each time when a customer tries to log in. KabbageXXXX wouldn't even send me account statements. I have informed them several times that I have changed my phone number but they seem to ignore it. 

I sent them a written request on XX/XX/2022 to either change my phone number or to close my account. Today, on XX/XX/2022 I received a message on my new phone number from a lady with the name XXXX acknowledging that they received my letter and asking me to return her phone call. When I tried to return her phone call, someone else answered and refused to transfer me to her. This lady who would not identify herself also refused to discuss my written request to close my account.
Product: Credit card

Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

I did not give anyone written instruction to report the account listed below to my credit report. 

I.Q. Data International - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report, some of which I did not authorize. My personal information was sold while I was shopping for a mortgage, leading to multiple credit inquiries that have negatively impacted my credit score. I have already reported this fraudulent activity to the Federal Trade Commission ( FTC ) for further investigation. Please see attachment for additional details. All highlighted inquiries needs to be investigated.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights under 15 USC 1681 section 6 0 2, which states I have the right to privacy ( 15 USC 1681 section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an account under an open-end consumer credit report to report late for any purpose. 

This information was submitted to all three bureaus regarding the open account XXXX XXXX account # XXXX, which has several late marks that violate my rights as a consumer and is restricting me from gaining access to financial freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my identity was stolen. There is a lot of incorrect information on my credit report. It is stopping me from moving forward in my life. I have made a report with my local police department, in which I was told by them to reach out to the Federal Trade Commission to do an XXXX. I have included a copy of my Federal Trade Commission XXXX. Please delete the incorrect items from my credit report. I did not make these charges.
Product: Credit reporting or other personal consumer reports

this debt collector engaged XXXX abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights see attacched for unathorized inquiries
Product: Payday loan

Took out a payday loan and the loan has been paid back since XXXX 2015 plus interest, Payday lender still debiting account. I would like the payday lender to cease and desist from debiting my account, and return any and all funds back to my bank account paid after XXXX XXXX 2015. I 've paid this lender back XXXX so far. This lender also did not follow NJ laws for payday lending and interest rates.
Product: Student loan

I have been employed with Dept of Treasury since XX/XX/XXXX. I have been on a repayment of my student loans since XXXX. Myfed says only 3 of my payments qualify for forgiveness even though they have all been made on time. Nobody can explain to me why
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name.

The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Amount : {$840.00} Account Name : XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX date opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ; Account Name : XXXX XXXX XXXX Account Number XXXX XXXX date XXXX ; Account Name : XXXXXXXX XXXX  Account Number : XXXX date opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX date opened : XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed within 4 BUSINESS DAYS Additionally see Identity Theft report # XXXX ; XXXX and Idenity Theft report # XXXX