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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Credit Corp Solutions Inc. for committing identity theft. I have never given Credit Corp Solutions Inc , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Corp Solutions Inc, Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Corp Solutions Inc. continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions Inc, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, Equifax and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I do not have an AMEX credit card or account. I first noticed the AMEX Partial Account XXXX XXXXXXXX ( last digits excised ) when viewing my XXXX credit report late XX/XX/XXXX. I had never seen it before even though it is purported by XXXX to be in existence since XX/XX/XXXX. During the XXXX dispute process phone representatives stated that both my name and social security number are associated with this account. I do not recognize the account. None of my personal financial accounts have ever made payments into this account. I have never received billing notices or statements from AMEX regarding this account whether by mail or email or text. This is clearly fraudulent use of my name and social security number with no reference to my address or contact information. XXXX will not remove it from my credit report until the fraud is recognized. I do not know how my identity information was obtained. I want any and all of my information associated with this AMEX account removed. XXXX has started a fraud dispute on my behalf. I have also gone back and forth with AMEX on this issue. Concurrent with this CFPB complaint I am filing a further detailed complaint to AMEX.
Product: Money transfer, virtual currency, or money service

I noticed several transactions on my account that I did not authorize. These included purchases at an online store and a subscription service l 've never signed up for. 
I contacted my bank 's fraud department immediately after discovering the charges and reported them as fraudulent. The bank froze my account to prevent further unauthorized activity, issued a new card, and began investigating the charges. I have requested a refund for the unauthorized amounts and am waiting for the investigation to be resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 proce 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.

( 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 or other personal consumer reports

I am submitting a follow up today to inform you that I have been a victim of fraudulent activity. I have filed a report of complaint to the Federal Trade Commission ( FTC ) website at XXXX XXXX XXXX  According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 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 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 XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about Duplicate Information with XXXX XXXX Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my credit score from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from NISSAN MOTOR ACCEPTANC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NISSAN MOTOR ACCEPTANC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NISSAN MOTOR ACCEPTANC with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

Overpayment of {$14000.00} dollars made to Citi Card on XXXX, 2022. We immediately called and they said they would issue a check. We never received check. I have called every two days to see when our money would be transferred back to our checking account. They took router and checking account number 3 times. I have been told repeatedly that this needs to be approved even though it has been approved several times. 
I contacted XXXX XXXX, XXXX  of Citi. No response from her. When I called to check about refund again they said executive is handling and will be in touch. After 4 days of no calls I contacted Citi again. I had to go through the ranks to get to executive dept. i was told it is being held up for approval. They said that I will have an answer no later than XX/XX/2022. This has gone on for to long. 
I am always promised a return phone call and it never happens. Spoke with XXXX today and she said she will be back in touch by no later than XXXX. I really do not expect a phone call back since no one has wver returned my call except XXXX who said the money would be in our account in three to five days. Needless to say no money put back in our account. 
I even contacted Chairman of the Board XXXX XXXX by email today.
Product: Debt collection

I do not owe any debt to this place. Ive never had an account with them. They called me 8 times within 7 days. They called me TWICE A DAY on 4 separate occasions. That I have record of they have called me 2x on XX/XX/2022, called 1x on XX/XX/2022, called me 1x on XX/XX/2022, called me 2x XX/XX/2022, called me 2x on XX/XX/2022, called me 1x on XX/XX/2022, called me 1x on XX/XX/2022, called 1x on XX/XX/2022, called me 2x on XX/XX/2022. This is just what I have proof of but they have called me more than that. The week from XXXX XXXX they called me 8 times ( more than 7 times within 7 days ) When I talk to them they will not give me any information about who is calling, what they are calling about, they didnt tell me of any debt I owed. When I called them to ask questions they still could not tell me why they were calling me or how they have my name and phone number. It was disruptive to me at work and on the weekends at home. Im worried this JP Morgan is going to have fraud put on my credit report from debt I dont owe. The two numbers they always called me from are XXXX ( XXXX ) XXXX and ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I attempted to create my online MyEquifax account to monitor my credit information. I have been unable to gain access to my account ever since, instead receiving a screen with the text " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' on it when I attempt to log in. I have tried calling this number multiple times throughout the past years to get this resolved : the first time in XXXX I was passed around to various departments who claimed that their department didn't handle this issue until I eventually hung up after around 2 hours of being transferred repeatedly. The second time in XXXX I was told that I needed to contact Equifax support via their email service, which I did and was promptly told that they couldn't do anything for me and that I needed to call the same Equifax support number again ( XXXX ). The third time I called in XXXX, I was sent a password reset link via my email address, which I reset my password with and still encountered the same screen as before when trying to log in with my new credentials ( " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' ). As such, I am unable to access my Equifax account and credit information and Equifax has been unable to resolve this issue for 3 years now.
Product: Debt collection

Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX  XXXX and XXXX  that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX/2024, XX/XX/scrub>/2024, XXXX/2024,XXXX/2024 We sent registered mail to XXXX  XXXX to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ). XXXX XXXX reported XXXX transaction to my consumer file report without written consent and authorization, as a federally protected consumer I demand {$1000.00} per transaction ( {$49000.00} ). as a federally protected consumer XXXX  XXXX violated 15 U.S. Code 1666b ( a ).
Product: Credit reporting or other personal consumer reports

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

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX XXXXXXXX. {$27000.00}
Product: Credit reporting or other personal consumer reports

I was told to pay my XXXX XXXX XXXX credit card in full and that my XXXX credit card and credit report would be in good standing. XXXX XXXX XXXX stated they would email the information in writing. No response so, I wrote them a letter
Product: Credit reporting or other personal consumer reports

I received my credit report on the XXXX of XX/XX/year> and discovered there were a few inaccuracies being reported. There's a bankruptcy with a court in San Diego. I would like to know if your credit bureau reports bankruptcies to a person 's credit file and if not then who is responsible for illegally reporting this bankruptcy to my file?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX  XXXX co l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are reporting a collection account that has not been validated as belonging to me and they have provided me with no documentation from their investigation that proves this account belongs on my credit report. There are several inconsistencies on my report as well so this means no validation was done because the account can not report XXXX different ways this is a violation of FCRA. The account in question is XXXX XXXX  Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting to equifax and is preventing me from getting a better loan right now I have paid for over a year now and nothing is being reported to equifax. My XXXX account number is XXXX.
Product: Credit reporting or other personal consumer reports

This file continues to report in a Negative way against my Bureau the account is over 4 years old. I have never entered into Business with this Company I have know idea how the obtained my information
Product: Credit reporting

I do NOT have a Social Security Number, and i can prove it by a oficial document issued by the Social Security Agency, but Transunion INVENTED a fraudulent Social Security Number for my credit file! 
This is causing a Financial Hardship, since every time I try to get credit, Transunion sends a fraud alert to the financial institution, and they are denying credit to me due to this reason. 
I have have already disputed this information more than 5 times and Transunion does n't take action to correct this!
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Commenity Bank after a week 's worth of trying unsuccessfully to register and pay my " XXXX '' Mastercard bill. I have yet to receive a statement ( either paper or via email ) from the company and I was trying to pay my bill online to prevent a late payment ( as a result of such ). I spent 20 minutes with the first customer care representative who failed to help me register my account online. I asked to speak to a supervisor who " magically '' registered my account. Today, when I attempted another sign-in to pay my card, I given the same error message that I have received on XX/XX/XXXX and the week prior which is that they were unable to locate my account information. They asked me to provide information within three separate boxes : 1.My credit card number, 2. My billing zip code, 3. The last four digits of my SS number. I input all of this information multiple times before being locked out of my account. I am assuming that my bill is now overdue and late. Can you please look into this issue for me? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I tried to access my CapitalOne credit card online and keeps giving me a message on the page " you don't have access to this website '' and nothing is shown in terms of my transaction or information of the account. When I called customer services, they said that they closed my account due to fraudulent which was hurtful to hear since I have been with them for 5+ years with no issues and I use my credit card on daily/weekly basis with no issues. I am afraid that this will impact me and my great credit score that I have. The bank is not able to do anything for me and I don't know what to do. Please advise ASAP!
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 account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

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