23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently 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. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please 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 XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have almost 30 unauthorized inquiries from 7 different companies on my credit report consistently repeating from XXXX of 2021 to XXXX of 2021. I have listed the companies of the unauthorized inquiries below. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX I have attached an FTC report below.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocked, 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.Therefore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the 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 or other personal consumer reports

TO WHOM IT MAY CONCERN MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX OHIO I HAVE FILED MULTIPLE REPORTS OF INFORMATION BEING STOLEN AND REPORTED FROM PREVIOUS ADDRES VIA MAIL I HAVE NEVER REXEIVED PROOF OF DEBTS OWED VIA CERTIFIED RECEIPT VIA CERTIFIED MAIL THE FOLLOWING ACCOUNTS AND NUBERS ARE UNAUTHORIZED AND VIOLATES MY FCRA XXXX, AND XXXX CONSUMER RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXXXXXX account beginning in XXXX 35 days ago with XXXX, XXXX, and Transunion claiming that I was unaware of who established this credit account and for them to send me the original contract and the method they used to validate this account. NO RESPONSE AS TO HOW WAS THIS ITEM VERIFIED TO END UP ON MY CREDIT REPORT! On yesterday an unknown person delivered mail from a residence I have no knowlede of and is listed on the XXXX XXXX document provided. I did not create this account nor is the address connected to this mine. Im also seeing where XXXX XXXX states they have sold the debt to another company so Im sure credit bureaus are not properly validating this fraudulent account!! I am requesting that this formal complaint be accepted as evidence for my claim and the removal of this account in question. This has caused me severe emotional and financial stress. Please remove this item from my report immediately to avoid escalating to legal matters.
Product: Student loan

My loans have been in forbearance due to part-time enrollment at a XXXX   college. I finished my last class in XX/XX/2018, and my first payment should not have been until 6 months from that date, which would be XX/XX/2018. However, knowing how sneaky private loan servicing companies ( i.e., Navient, my student loan servicer ) are, I checked my balances monthly. I checked in early XXXX and nothing was due. Then I checked again today, on XX/XX/2018, and saw a payment due on XX/XX/XXXX. Navient failed to notify me ( despite me being enrolled in email notifications ), and did not honor the 6-months timeline for forbearance to end after seizing enrollment. I believe Navient did so on purpose, to unsuspecting customers, forcing them to miss a payment. Please investigate, and I will surely be following up with Navient today as well.
Product: Debt collection

About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.
Product: Vehicle loan or lease

I co-signed for my son-in-law 's XXXX Honda XXXX on a 3-year lease in XX/XX/XXXX. On the lease application, I submitted my home address and phone number that was different from my son-in-law 's address and phone number. Apparently, he was late in making payments but Honda did not notify me of this by mail nor by phone. It wasn't until I saw it on my credit report in XXXX as a negative inquiry that I learned of his delinquency. I contacted Honda in XXXX, explained that I had not been given notice nor the opportunity to pay the debt myself. They told me that Honda considers co-signers to be " co-applicants '', and that they didn't have to notify me of the delinquency. They refused to remove the negative mark from my report. In checking my credit reports recently, I see that Honda re-reported this negative inquiry in XX/XX/XXXX. It has been almost 8 years since I co-signed this Honda lease in an attempt to help my son-in-law. Since then, he has turned in the lease for the XXXX, paid in full, closed the account and received approval ( without me as co-signor ) for a new XXXX Honda XXXX three-year lease which he has since turned in, paid in full. 

How long can Honda continue to make my credit rating suffer? Again, I just contacted XXXX XXXX XXXX to request removal of this negative mark from my credit report and they refuse.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX, Comenity BankXXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit card

My bank denied my disputes for charges that were made without my knowledge or authorization. Claiming 1 ) that I have an extensive relationship with the merchant .... this is false staying at a hotel booked through XXXX a couple of times is not extensive. Claiming 2 ) That the card was present for that purchase. I was told they needed my credit card to verify I was the one that booked and that it matched the XXXX info not about any charges. Claiming 3 ) That they contacted hotel who told them charges were ch or cleaning/damages which is also untrue I did not damage anything nor did I leave it dirty either which way I DID NOT AUTHORIZE ANY CHARGES FOR XXXX XXXX ONLY XXXX. WHAT YOUR SAYING IS JUST BECAUSE THE HOTEL MANAGER TOLD YOU I DAMAGED THE ROOM ITS OK FOR THEM TO TAKE WHATEVER AMOUNT OF MONEY THEY WANT AND THEY PROBABLY POCKETED THOSE FUNDS AND YOUR HELPING FURTHER THIER CRIMINAL FRAUD SCHEME. SHOW ME A RECEIPT OR PURCHASE THAT HAD CARD PRESENT FOR {$250.00} OR THE {$70.00} CHARGE,????, U CANT BECAUSE IT WASNT AUTHORIZED... OR DID TH ED Y TAKE THE SIGNATURE FROM WHEN THE CARD WAS PRESENT FOR " VERIFICATION '' PURPOSES AND APPLY THAT AT A LATER TIME SAY THE NEXT DAY OR DAY AFTER??? THIS IS XXXX I WANT XXXX MONEY BACK THEY STOLE AND XXXX HELPED THEM DO IT.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX  The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Mortgage

On XX/XX/scrub> 2024, I was given an escrow analysis that my escrow would be in shortage. This was due to the fact that the company said my taxes that went up. I proceeded to pay for two months, but discovered that my taxes did not go up the mortgage company refused to Reassess shortage amount after I had paid up all the shortage and put money back into my escrow account. They have no justification of keeping my current mortgage rate as is Im seeking to get my mortgage rate put back to a manageable rate that I had with the previous mortgage company and that I signed a contract for
Product: Debt collection

XX/XX/2018 company put a collection on my credit that's not mines, asked them to validate the debt. they said they don't need to and hang up phone
Product: Credit reporting or other personal consumer reports

I'm writing to confer my XXXX  as for the tested records on my credit report. On various occasions, I have raised the issue of XXXX  in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I have called this company, and they have informed me that they can not give me any information on this account, and do not find me at all, but refuse to delete it from my credit report.
Product: Credit card or prepaid card

I Made a purchase with my citi bank expedia card. I made the Purchase on XX/XX/XXXX and was suppose to recive my order within a week. I did not receive my order or tracking and when I try to visit the website I ordered from I cant find it anymore. they never sent me an email confirmation of my order, receipt or tracking. it has now been over a month. Citi just resolved in favor of the merchant and still I cant be provided with a tracking number for my order or has the merchant tried to reach me. 

amount {$1000.00} citi case id Case ID : XXXX
Product: Debt collection

I have had unauthorized accounts from American Express on my credit report for several years. Despite multiple disputes, these accounts remain on my report. 

In XX/XX/year>, I contacted American Express to reach a settlement regarding these fraudulent accounts. As part of the agreement, American Express informed me that the accounts would be removed from my credit report, and I would receive documentation releasing me from liability for the alleged debt. However, I have not received any such documentation, nor have the accounts been removed as agreed. 

Since then, I have made multiple attempts to follow up via the email address provided in the agreement, but my emails continue to bounce back, indicating that the address is no longer valid. Additionally, I have not received any communication from American Express regarding this matter. 

This unresolved issue has caused significant hardship, particularly as I am in the process of purchasing a home. The failure of American Express to honor the agreement and their continued reporting of these unauthorized accounts have negatively impacted my creditworthiness and caused undue emotional distress. I feel that my consumer rights are being violated, and I am being unfairly treated. 

I have attached the agreement provided by American Express for reference. I request that the CFPB investigate this matter and ensure that American Express removes these accounts from my credit report as promised. Additionally, I request official confirmation releasing me from any liability associated with these accounts. 

I appreciate your prompt attention to this issue and look forward to a resolution.
Product: Debt collection

ARstrat LLC, has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and Ariz. Rev. Stat 13-2008 ( A ). ARstrat LLC, is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Checking or savings account

My name is XXXX XXXX XXXX, I have issues with CitiBank on XX/XX/year>. They had locked my account due to multiple failed sign-on attempts. I can not use forgot password, so I tried to contact the bank through the customer service phone number ( XXXX and XXXX ) because there was no local branch at my state ( Georgia ). After more than XXXX hours to keep repeating confirm all my bank informations, the bank dodge the issues by transfer me to other department multiple times because they cant solve the problem or just directly hang up. After couple of time keep calling the Citibank, and one of them said they can't do anything at all because the lock is from the banking branch. When I call banking branch, they say they can't do anything at all because there's somehow a different security word for banking which I don't remember having a different security word at all. So even though I give them my SSN, account number, and credit card number they refuse to do anything at all to help me because I don't have the different security word, and I'm locked out of my own account till I can confirm the security word. I am so stressed out because all my money was in the account and I couldnt make any utility bill and payments to my credit card ( in which it due on XX/XX/year> ). I borrow money from my friends and family to live, but not sure for how long because the CitiBank HAVE NOT resolve my problem
Product: Credit reporting

I applied for an auto loan with XXXX XXXX which was denied. The stated reason was that they were unable to resolve the fraud alert on my Transunion credit report. My denial letter indicated I could get a free copy of my credit report from Transunion. However, I was unable to do so via either phone or online. When I contacted Transunion 's XXXX-based customer support center, I was told that there were inaccuracies in my credit report. In order to resolve these inaccuracies, I was asked to mail in a copy of my SSN card to a PO Box number. This seems highly suspect to me. 

I asked the call center support rep to send me a letter stating why Transunion could not send me a copy of my credit report ( inaccurate or otherwise ) but she said that she could not do so. 

It seems to me that if Transunion is able to detect a problem at its end, they should be able to fix it automatically without the intervention of the affected consumer. I am still unable to get a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around!