23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Hard Inquiries on Equifax Credit Report To Whom It May Concern, I am filing this complaint regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Below is a list of the hard inquiries in question : 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 These inquiries were not initiated by me nor authorized in writing, as required under the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation into these inquiries and their removal from my credit report unless verifiable proof of my authorization can be provided. 

FCRA Violation Details : Under the FCRA, only authorized parties may access a consumers credit report, and this access must have a permissible purpose. These inquiries appear to violate Section 604 of the FCRA ( XXXX U.S.C. XXXX ), which governs the circumstances under which consumer credit reports can be accessed. 

Additionally, these inquiries may constitute a breach of my consumer rights, causing financial harm by lowering my credit score and potentially affecting my ability to obtain favorable credit terms. 

I appreciate your prompt investigation into this matter. If further information or documentation is required, please let me know. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have sent XXXX a request to investigate some accounts from my credit file and they are not responding.
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart and a sense of desperation regarding the handling of my recent dispute with Experian, XXXX of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, Experian 's response has left me feeling utterly distressed and hopeless.

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to Experian, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, Experian simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Experian, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report. 

Moreover, it has become evident that Experian has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, Experian has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring. 

The impact of Experian 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that Experian fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 Regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on XX/XX/XXXX, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from TRANSUNION on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my XXXX credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only 1 credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a )
Product: Student loan

There were a couple months I was $ XXXX {$100.00} late on my payment. A few days after the due date, they call both my co-signer and me up to 10 times a day between the hours of XXXX even if we have already talked to them and explained the issue that day. We have told them many times to stop calling multiple times and they dont.
Product: Debt collection

Excessive phone calls. When I told them I would be making a payment in the near future, they continued to call excessively. Another time when I answered I expressed that it is illegal for them to call me as much as they do and the rep informed me the only way to stop the phone calls is to ask for a cease and desist. I told them I did not want that, only for the excessive calls to stop. When I asked to speak with a supervisor I was informed there was not one available.
Product: Credit reporting

I have written the credit reporting agenecies XXXX and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( ExperianXXXX, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
Product: Credit card

I received a Hard Credit Inquiry notice on one of my Credit Monitors. 

When I looked into it, the pull came from XXXX XXXX XXXX. 

I called thXXXX XXXX XXXX XXXXi who helped direct me to Concora Credit. 

I called Concora and spoke with them and supplied the info I had. They have No Records of any such inquiry being made on their end ( after searching with my SSN, DOB and some info ) They told me to dispute it with XXXX. So I called XXXX and disputed it. 

They directed me to the FTC ( FTC Report # XXXX ) and going through these prompts it directed me to the CFPB to file the report since it was credit card related. 

I went ahead and froze my Credit Bureau accounts last nigh. 

But do want to dig in to this. I have not applied for credit in approx XXXX months, so I am not sure who was trying to run my credit.
Product: Money transfer, virtual currency, or money service

I am writing this response to identity theft. my son just recently returned home in XXXX XXXX I was contacted by the XXXX about a fraudulent account. I received a FTC # for fraud XXXX. Please check into this Reference #! XXXX would be the reference number. I did a mail change for my son when he arrived her in North Carolina. When i put the mail change in for my son. His father XXXX XXXX XXXX decided to mess with the Mailing address. he lives in XXXX Maryland, the post office sent a mail change for XXXX family. Mistake was made either by the post office. The mail change was for one person. My son. XXXX XXXX. 
I do not want this person mail coming to me. He is playing with the mail system, I have been having Problems with this individual. there is a PPP loan taken out in my name. I am not sure who has done this. I did not apply for any loans. Please send all his mail back to XXXX Maryland. Check his phone and computer activity. Call the LLC and follow the trial. Please I have been dealing with people messing with mail to bank account XXXX accounts. stolen birth certificates social security cards for both me and my son. XXXX  until now
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : Made many unsuccessful attempts to get my credit report on line from Equifax, both at XXXX and at XXXX. I could not obtain my report, and received messages " Try again later '' or this error : XXXX XXXX XXXX XXXX XXXX I also made many calls to their phone number for help, and their customer service representatives insisted they were not having any trouble. 

All total, I probably spent two hours in unsuccessful attempts to get my report. 

Curiously, however, I was directed to another area of their website which would enable me to get a free credit report ONLY if I agreed to be marketed, and to allow them to pass on my personal contact information for that purpose!
Product: Checking or savings account

On XXXX, 2022 there was a charge for {$2100.00} on my debit card which I did not authorize. I was on vacation in XXXX during this time. ( Cant be in two places at once ) I advised Citibank of the problem, filed a dispute, which they denied. On XXXX, 2022, on advisement from Citibank XXXX I faxed all supporting documents. I did so on three occasions. Citibank claims they have not received any documentation and refuse to cooperate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my credit report. The credit bureaus conducted their investigation and concluded that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address. These inaccuracies include [ describe the specific inaccuracies you found, such as incorrect account balances, outdated information, accounts that do not belong to you, etc. ]. 

Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. This has caused me considerable distress and has potentially impacted my credit score and financial standing. 

In Accordance with the Fair Credit Reporting act XXXX Account 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 Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made XXXX payment XXXX XXXX, 2020 and they closed my account on XXXX XXXX when all banks are closed? Of course they closed because I paid of the part of the balance that would allowed them to charge intrest. I have made my payments as promised and haven't not defaulted on any credit card. Closing my account like they did negatively effects my credit score. Synchrony Bank has history of pulling this XXXX! They randomly make decision that negatively effect your credit no matter what your payment history is with them. They need to be shut down!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX  promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!
Product: Credit reporting, credit repair services, or other personal consumer reports

My best buy citi card has been closed and paid in full. For a total of 4 months after. EACH month, 4 of them, after I paid my acct in full the company is charging me late fees, on top of late fee because of the late fee. Then interest ontop of those late fees. For 4 months. They are also reporting my acct. Delinquent as well. I am trying to buy a home and my credit score keeps dropping because they are reporting my acct delinquent. I have been on the phone with them each month to correct this and for the 5th month I have another bill charging me interest and reporting me delinquent on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$600.00} Accordance with the fair credit reporting act the following XXXX accounts 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Product: Debt collection

Checked my credit report to find a debt collection from NATIONAL CREDIT SYSTEMS. Ive never heard of this company and when I contacted them I asked for debt verification and a copy of our signatures confirming the debt. Ive attached the documents received yet no signature on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, Experian # XXXX, XXXX # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for 3 moths w TRANSUnion XXXX  and XXXX filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake names on there..
Product: Credit card

On XX/XX/2023 I made an online purchase using my Capital One XXXX on website www.millerevan.com in the amount of {$73.00} for a mens belt. I never received the item and the vendors email portal does not function and they do not have a phone number for me to contact them as I tried to cancel the order minutes after the transaction was place, suspecting fraud when the charge appeared on a XXXX account in the name of XXXX XXXX. 

I contacted capital one to dispute the charge and they, in turn, contacted the vendor. The vendor claimed that they had sent me the merchandise but provided no tracking information or documentation of any sort yet Capital One sided with the vendor. 

I am much more concerned about Capital Ones failure to do due diligence on this vendor ( as opposed to simply taking their work for it ) than recovering the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my account that were not authorized by me. 


Speedy cash/ curo XX/XX/22 XXXX  XXXX XXXX XX/XX/22 There is no phone number for this company. 

Im not sure about the loan amounts because its not shown on my report.

I have already disputed these inquiries.