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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries on my credit report by XXXX, XXXX, and Equifax. It appears that these inquiries were made without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 

The FCRA outlines permissible purposes for consumer reports, and one of these purposes, as stated in 15 U.S. Code 1681b ( 2 ), is to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Furthermore, under P.L 90-321 ( 82 Stat. 146 ), which supports the FCRA, stricter provisions are in place to ensure that consumer reports are only obtained in response to specific requests authorized by certain government agencies.

I have not provided written consent for these inquiries, nor have I authorized any entity to request my credit report for the purposes for which these inquiries were made. As such, it appears that XXXX, XXXX, and Equifax have violated the FCRA by furnishing my consumer report without my written instructions or consent. 

I would also like to bring your attention to the Privacy Act of 1974, particularly 5 U.S. Code 552a ( 4 ), which defines the term " record '' as any item, collection, or grouping of information about an individual maintained by an agency. This includes, but is not limited to, information about the individual 's education, financial transactions, medical history, and criminal or employment history. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these unauthorized inquiries. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized inquiries. Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, XXXX XXXX XXXXXXXX XXXX XXXX ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in FTC ID theft report and Transunion responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN REFERENCE TO THIS ACCOUNT LISTED BELOW : XXXX XXXX XXXX Account # XXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE.

2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian and I found out that credit reporting agencies still indicate this account in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Late Date XX/XX/21. I believe it was reporting in error. The late history should not be showing late because I think I paid on time. Please update the late payment from this account.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc ) due to inadequate customer services and unfair practices which violates the consumer financial protection act specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform Leaving my account Vulnerable and unprotected furthermore Their dispute process was unfair, and Deceptive As they did not comply With error resolution Requirements under The electronic fund. Transfer act And regulation E These actions has 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

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Credit reporting or other personal consumer reports

my credit was pulled with out my concent. for a supposed loan or what ever the bank stated in a email i emailed them back and told them it wasnt me nor did i allow them to do so. i requested for the hard ding on my credit report to be removed and the bank is refusing to comply!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX XXXX that I do not recognize
Product: Debt collection

On XXXX XXXX I estalbished an account with frontier communications they came to my home on XX/XX/2019. I was not at home when installing but my mother was there and she connected her computer to the wifi it work after the guy installed it. When I came home the internet was not working and I could not connect to the wifi. I tried rebooting with reset button and it would never connect to my laptop. The next day I called for trouble shooting and waited in line for them to tell me they would call me back within 24 hrs and no one ever did. I called back 2 days later ( went out of town ) I waitied on hold for 30 mins to do trouble shoot what was the issue. She told me she was giving me credit on the bill because my services were not working when asked what was my solutions because i wanted to cancel services because there were connections issues and didnt like I how I was treated with the hold time and no one not knowing how to fix my issue. I am now seeing on my report that they have placed me on collecetions for servoces that never worked and they promised they closed the bill and i was not going to be charged.
Product: Checking or savings account

Chime has been charging my transaction twice when using spot me when my deposit hits the account. They take the spot me charge and then show the transaction as pending then take the spot me amount and the transaction again out your Available balance
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged twice in the amount of {$590.00} each time, for a XXXX flight which I canceled within their 24-hour grace period. In addition to being charged when I shouldn't have, it was done twice. After speaking to XXXX, who admitted fault, my account was overdrawn by {$280.00}. In order to avoid overdraft fees from Bank of America, which they continue to charge illegally ( following the class-action lawsuit filed against them in XXXX for violating the National Bank Act ), I disputed the two charges and asked Bank of America to provide an immediate credit. 

On XX/XX/XXXX, XXXX finally issued me two credits of {$580.00}, which differed slight from the original amount due to exchange rates from USD to EUR and the time of the credit. 

Four months later XX/XX/XXXX and XX/XX/XXXX, after the claim was labeled as 'resolved ', and more than the 90 days after the amount of time a bank is allowed to investigate a disputed transaction, Bank of America reversed their temporary credits, withdrawing a total of {$1100.00} from my account. 

I find this practice of retroactive credit reversal not only predatory, but outside of the legal time limit within such a dispute should be resolved. I would like to argue for a partial or full refund of these withdrawals, as it is Bank of America 's fault for not reversing these credits within a timely manner. As a result, I was put in a catastrophic situation, without any access to cash while traveling in XXXX, being forced to borrow money to make my account positive again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received information from XXXX of a allegedly Bankruptcy that they say was verified from the court, I contacted the court who response was they don't verify to credit bureaus. I disputed the information again for proof of verification from XXXX who responded that this was verified from XXXX XXXX I reached out to XXXX XXXX who sent me documents of a removed bankruptcy for being unverified. I sent that information to XXXX on XXXX and they just responded with a result of accurate and unchanged result on XXXX. I called to speak with XXXX and spoke to XXXX in the dispute department who said it was verified from XXXX XXXX XXXX XXXX who is not a verifiable source. XXXX XXXX Denied me credit for this alleged Bankruptcy.
Product: Credit card or prepaid card

Narrative of situation : BOA sent me a bill for a {$600.00} BOA check, Fall 2019, that I did not write. The card had been pd off and unused for quite some time. I turned this bogus charge in to their fraud dept who deemed it my responsibility although the check was cashed at a XXXX XXXX without identification and was signed by a XXXX XXXX without identification. The signature of my name does not resemble my handwriting. The endorsement signature on the back of the check has my name misspelled. I have filed a police report, a federal complaint about BOA and their disregard of the Fair Credit Act. 
BOA has persistently/monthly filed this on my credit report to pressure me to pay it which I will not. My wonderful credit score plummeted 200 points due to these BOA reports, costing me EIDL loans from the SBA needed for my businesses during the COVID disaster. The damage done to me through the negligence of BOA is irreparable. 
This card is in my name and we have filed dispute charges with it. Cashier checks were never requested by me. This company can not keep their customers secure and safe and refuses to support them. 
I currently have only one credit card in use for my personal affairs. It is a Mastercard through our Credit Union where we have banked for 35 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recwntly purchused a XXXX XXXX XXXX from XXXXXXXX XXXX  XXXX XXXX in XXXXXXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, Transunion and XXXX. This loan was opened on XX/XX/XXXX and only one payment so far has been reported on XX/XX/XXXX and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX  so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/XXXX tells a different story.
Product: Credit reporting or other personal consumer reports

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. I have also reached out to XXXX and requested Original documentation signed by me, the consumer, and to date, they have failed to do such. Please see attached.
Product: Mortgage

On numerous occasions I have sent Qualified Written Requests ( QWR ) to Select Portfolio Servicing ( SPS ) for them to prove they have written authorization via a valid Pooling and Service Agreement or via a Certified Assignment submitted to the XXXX County Recorder 's Office that they legally and lawfully were assigned as servicer to an alleged note attached to my property by investors of XXXX XXXX Mortgage-Backed Security. SPS was also required explain why they sent me two different Deeds of Trusts to the same property with one dated XXXX XXXX, 2004 that was obviously altered by someone and also contained forged signatures and initials.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  : Original creditor LVNV FUNDING LLC Opened : XX/XX/XXXX Balance : {$330.00} XXXX : Original creditor XXXX  Opened : XX/XX/XXXX XXXX XXXX Opened XXXX XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize. 
These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts. 
As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies do not update payments or correct balances. Especially Transunion and XXXX. XXXX gave access to XXXX without my authorization. Transunion is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.
Product: Checking or savings account

My checking account was closed on XX/XX/XXXX with a negative {$950.00}. i was a victim of a scam which left me at a negative {$320.00} on XX/XX/XXXX. the bank wants me to pay all kinds of overdrafts and fees.
Product: Credit reporting or other personal consumer reports

Payment History : Payment history for the months of XXXX and XXXX was not reported ( XXXX ) ( TransUnion ) & ( XXXX ) XXXX Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
TransUnion : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
XXXX XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to XXXX XXXX  Credit Bureau XXXX, attached United Postal Service Receipt that proves that XXXX XXXX  ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. Letter is attached. 
XX/XX/XXXX I received a letter form XXXX XXXX, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Product: Debt collection

Resurgent Capital Services is reporting on my credit report "  XXXX  ''. I have contacted this company to ask them to show proof that I entered into an agreement with the original creditor  XXXX   XXXX  Bank. After numerous attempts , Resugent Capital Services h as yet to provide any binding documents or any documents with my signature agreeing to terms. There has to be a legal binding contract which they have not produced. So how can they authenticate this account if I am asking them to authenticate this by the original agreement, or contract? They have sent statements, all computer generated with no signatures and they sent a random agreement once again with no signatures. How can they possibly hold me responsible without any legal binding documents showing the terms of our agreement? Showing I agreed and we entered into an contract?
Product: Mortgage

I applied for the XXXX XXXX XXXX assistance program in XX/XX/XXXX. I requested back and future payments as I was already behind and struggling to make my mortgage payments. I did not get notice of approval until XX/XX/XXXX. I received XXXX letters. The first one advised that I was getting XXXX toward back payments. The back payments were supposed to be for XXXX, XXXX, XXXX, and XXXX. I received a second letter advising that they were making XXXX forward payments. 

Pennymac received the first payment of {$14000.00} on XX/XX/XXXX. At that point I was only behind 2 months ( XXXX and XXXX ) payments totaling {$7400.00}. Pennymac could have done 2 things with the remaining amount of {$7400.00}. They could have put it towards future payments or refunded the payments I made in XXXX and XXXX and used that extra money toward those payments. Instead they made a principal reduction payment in the amount of {$7400.00}. 

I have tried to explain to Pennymac that the money is for payments, as this program is designed to assist home owners with payment assistance. I am being told that the monies have been applied correctly and nothing can be done to reverse this action as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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.