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

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Upon reviewing my credit file, I have identified an inquiry that I did not authorize and believe to be inaccurate. The inquiries are listed in Identity theft which I uploaded with all necessary documentation. 
I am concerned that these inquiry was made without my knowledge or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, only entities that have a permissible purpose, such as those with a legitimate need for my credit report, can request it. Since I did not authorize these inquiries and have no knowledge of any transaction or account associated with the creditor in question, I request that you take the following actions : Investigate this inquiries and confirm whether it was made with my express authorization. 
Remove the unauthorized inquiry from my credit report, as it was not authorized by me and does not reflect accurate or fair information. 
Please provide me with a copy of the results of your investigation, along with a corrected version of my credit report once the unauthorized inquiry has been removed.

I understand that the credit reporting agency is required to complete an investigation within 30 days of receiving a dispute. If the inquiry is not verified as authorized, I expect its immediate removal from my report.

In the event that you fail to resolve this matter, I may pursue further legal action under the FCRA, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in a court of law.
Product: Checking or savings account

XX/XX/XXXX I deposited a check from work in my account! They held it for 7 days! During that time bills were coming out of my account and I was told I would not be charged overdraft fees. Long story short its now XX/XX/XXXX! Ive had XXXX overdraft fees piled on. I WANT MY MONEY! PNC owes me {$250.00}! My account is negative XXXX! As soon as this is done I want the account closed Im done with them! Ive been assigned a Case manager and Ive left XXXX voicemails everytime I call it says agent unavailable. I want this taken care of!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802
Product: Credit reporting or other personal consumer reports

XXXX SECURE 3 POTENTIALLY NEGATIVE MONTHS Credit usage 65 % Balance {$130.00} Balance updated XX/XX/XXXX Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit cardXXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usage 3 % Balance {$16.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Charge Card XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Balance details 33 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured
Product: Debt collection

On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.
Product: Debt collection

I hope this message finds you well. I've discovered that the information provided above doesn't accurately reflect the status of my accounts. After reaching out to the banks, they confirmed a software glitch caused improper reporting. They assured me it's fixed, and the accounts should show no late payments. XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}.
Product: Payday loan, title loan, or personal loan

XX/XX/2013 I received an unwarranted loan from Cashnet USA into my XXXX XXXX XXXX Acct in the amount of {$850.00}. Upon discovery 5 days later I called and informed them I didn't initiate the load process nor did i want the funds. They advised me they would charge me a fee to return money i didn't request. I was just graduating from XXXX XXXX XXXX and just started my XXXX school at XXXX XXXX XXXX XXXX. After going back and forward with them, I threaten to go to my commander and they quickly removed the funds. But still remains on my credit report. The only reason I decided to file a complaint and file so late, was the recent readings of fraud committed by these companies. I am currently reviewing other old bank statements to see if I missed any in the past as well. 

During this time I was constantly called and harassed as well from unwarranted loans deposited into my acct from Cashnet USA and XXXX
Product: Payday loan

My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ; I did not give them written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for Resurgent/LVNV Funding LLC appears on my credit report as a collection account with a balance of {$1500.00}. 

On XX/XX/XXXX, LVNV Funding LLC entered a judgement against me in the original amount of the debt, {$950.00} plus interest, fees and costs for a total of {$1300.00}. I had never received a subpoena from anyone. 

On XX/XX/XXXX a writ of garnishment was entered. Garnishments were taken from my paychecks until XXXX, XXXX and the judgment was settled. My paychecks were garnished for 6 weeks until the FULL balance of the account was paid. On XX/XX/XXXX, judgement was answered on the Writ of Garnishment. The balance was satisfied and the case was closed. 

Today, XX/XX/XXXX the account not only appears on my credit reports, the balance continues to be reported and has even gone up. I have disputed the account several times, but the issue is never resolved. I have never received verification of the debt.
Product: Debt collection

I am writing in response to a letter I received on XX/XX/year>, regarding an alleged debt. Under the Fair Debt Collection Practices Act, Section 809 ( b ), I formally request you provide me with a validation of this debt. 

Please provide me with the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; Documentation I have a legal obligation to pay this debt to your company, including any judgment if applicable ; Proof of the original contract or agreement that created the debt ; Detailed account history, including an itemization of all charges and fees ; The date the original creditor claimed the debt as a loss in their accounting books ; Verification that the statute of limitations has not expired on this debt. 
Please stop all collection activities until you have provided these items as required by the FDCPA. This includes refraining from reporting the debt to any credit reporting agencies until the debt is verified. 

If you fail to provide a response within 30 days from the date of this letter, I will assume that the debt can not be validated. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX Additionally, I have attached a letter, outlining Congressional Record, recognizing your violations in disregarding my lawful bills of exchange, therefore blocking me from my right to commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report without any authorization, they are not mine : AFFIRM INC Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

On or about XX/XX/2021 my Fall School Federal XXXX XXXX and my Federal Student Loan were accidentally deposited by XXXX  XXXX into a closed USAA Checking account that belonged to my Brother XXXX XXXX which I was on as a user per his instructions. However, he passed away in XXXX and USAA had closed the Checking account and turned over to another company to collect from XXXX XXXX estate when it was settled. 
Instead, USAA reopened the account long enough to take almost XXXX of my money that was to pay for my college XXXX semester and the took my money. I called numerous times, sent emails to CEO explaining that they had taken Federal Grant and Student Loan money and if it was not fixed I would be forced out of college and they said nothing could be done. So a former service member is now kicked out of college because of an error by XXXX XXXX  to begin with for depositing to a closed account which USAA knew it had my name only on the deposit. I am now forced to pay for a student Loan that I can't even get to take the classes for. Such a shameful origination that claims to cater to former service members but that's a lie.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Last reported XX/XX/2024 {$340.00} XXXX XXXX XXXX  Original creditor 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have been waiting over 3 years to figure out if Bank of America gave me a card for my unemployment, originally I was frozen out and had to give way more to get unfrozen, but XXXX stated there is little they can do and it took 3 years to get them on the phone due to high traffic, I was finally able to pass the number to XXXX and was told I was not frozen anymore because I didnt have the card to call or log in online I was stuck in the middle of getting no where whenI needed it most, somehow I get a rep to tell me from XXXX recently that the funds were sent out and I was to have XXXX  years of benefits on the card, I never had the original card somehow it was duplicated and used, I was supposed to have over XXXX on the card when I reset the online boa portal it looks as if I it was in use, I would like to get all full investigation on this as to how this is possible, I ordered a new card yesterday and when I asked about the bank statements but I had no card, they reordered my card and now Im waiting XXXX just to have a card to be able to try to ask for my unemployment money back I want to file a full dispute on Bank of America for basically stealing my funds. Im going to be trying to look into full provisonary credit I spoke with the agent but will start processing it after I can at least get my hands on my own card its sad I been going through this for over 3  years just to finally be eligible in a hardship time for my own money to be missing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$150.00} XXXX XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX - XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$8700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$16000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1300.00} Bankruptcy - XXXX These 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

My name is XXXX XXXX XXXX. Under the FCRA Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. TRANSUNION can not provide verification to me because I have not authorized any creditors to share my information. According to section 609 ( a ) ( 1 ) ( A ), in the FCRA all CRA 's must show proof of all reporting accounts on my credit report in the form of a physical contract document per my written request to do so - the account is classified as UNVERIFIED and under the FCRA - all UNVERIFIED accounts MUST BE DELETED. THIS ACCOUNT IS NOT MINE but whether the account is correct or not - makes no difference. If the CRA can not provide you physical verification of the account - it is an UNVERIFIED account and MUST BE DELETED. They are reporting information to my credit report in violation of section 609 of the Fair Crediting Reporting Act. They are also sharing UNVERIFIED information with creditors and potential creditors without being in compliance with the FCRA passed by congress. THEY ARE BREAKING THE LAW! I want all UNVERIFIED ACCOUNTS removed from my credit whether they are valid or not IMMEDIATELY from my credit profile!! TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS AND I WOULD LIKE THIS CORRECTED IMMEDIATELY. PLEASE CONTACT THEM AND HAVE THEM CORRECT THIS
Product: Payday loan, title loan, or personal loan

I have asked to please stretch out my payments for a longer period.they said no can do. {$800.00} loan for 10 months at payments off {$260.00} ea.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Product: Debt collection

XX/XX/XXXX they called : ( these are all XXXX time times ) XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XX/XX/XXXX XXXX AM XXXX AM XXXX AM XXXX AM XXXX PM XXXX PM XXXX PM XXXX PM XX/XX/XXXX ( today ) XXXX AM XXXX AM XXXX AM XXXX AM XXXX : XXXX AM
Product: Money transfer, virtual currency, or money service

I went to file my taxes and was informed that i have several 1099k forms that's the forms you get when you send or someone sends you money like cash app, XXXX etc.. after looking at them and looking on line i came to find out they were issued to me by square/cashapp/block they are well over XXXX its states that i took p [ ayments over XXXX last year with cards not present that's is Ludacris i have never even seen XXXX in my life i have never had a cash app account i have tried several times to open a cash app but was always denied i was under the impression that i was not allowed because i had a XXXX XXXX  XXXX checking account already now its all making sense they would not open a cash app for me because one was already open these notices of 1099ks were all sent to different states and address that i have never resided in or know of and i reached out to square only to be told that they cant find a account in my name not now not ever to contact cash app i have reached out to cash app many many times almost on a daily basis i called live support i hit support i emailed and all they say is they will get a tax specialist to get back w me in 24 hrs well this has been said to me every single day since XX/XX/XXXX we are now almost done with XXXX and they wont even tell me if the account is still open only well if its identity theft we cant give you any info the heck they mean by that its my name its my social this is crazy i never had a cash app not business not personal nothing the thing that's upsetting me no one will even send me a email to acknowledge what's going on here i need them to fix these 1099k and report to the IRS that they were to the wrong person this is holding me up from doing my taxes i really need to get my taxes and i will get fees added for paying taxes late. THEY NEED TO CONTACT ME AND THE IRS IMMEDIATELY i still dont know if the account is closed or still taking payments because i dont know the cash tag to it and they wont give me any info i want all copies of all documents that were used to create cash app account i want the device id number of the device that sent in or took those payments i want the bank account that the cash app was linked to i want the address that the cash app card was sent to i want the location of the devices that accepted these payments.Furthermore the same time these 1099ks wee issued last year some time i have a valid signed and dated POLICE REPORT THAT PROVES I filed for identity theft there were bank accounts as well as many other accounts that were obtained using ny identifying factors after my wallet was stolen at the gym with a drivers license and social security card and my passport my entire backpack was stolen and i have a police report showing that and that i have been in numerous data breaches and also my information such as name ss and all my credentials are for sale right now in this moment on the dark web .I did not list these 1099 k on the police report due to not knowing about them but if need be i can add them please please i beg you to help me in this very important matter THANK YOU
Product: Debt collection

Dear National Enterprise Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. You have also contacted a family member discussing this debt which is a violation of consumer privacy. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Documentation showing my signature upon this debt. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 

acct # XXXX acct # XXXX