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

Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me d

ocumentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you XXXX XXXX
Product: Student loan

I can not get through to Mohela to get help. I have been left on hold for an hour and then disconnected Mohela put my loan on TEPSLF which is not eligible for PSLF because it is a Parent Plus loans. This is not right. Please know that they are taking advantage of loop holes to make money. They also sent a notice saying they were going to apply a payment to the future due and instead applied the amount to principle with no notice. Had I known that I would have made payments but since no effort was made to inform me I missed out on a chance to make a qualifying payment. Also, they are requesting employment verification for PSLF each month instead of once a year.
Product: Credit card

I purchased a XXXX thru XXXX XXXX  site using their breeder XXXX XXXX paid high fees to XXXX XXXX they require when paying breeder for deposit and final amount. The dog was agreed to be transported on XX/XX/XXXX it did not come and the breeder nor her transport contact she gave me would answer ..so i disputed deposit and payment i thought dog wasnt coming with no replys. Then around XXXX  a day later dog was delivered without the promised 1 year genetic health guarantee. So i closed dispute since i had dog then. But 2 weeks later the dog was having diarhea since she got here then XXXX dog had XXXX we rushed her to e r vet. She had body temp of XXXX was cold and no glucose level at all. XXXX XXXX and the XXXX vet said XXXX is only found microsoic doesnt show on fecals. Also said this is a toy pup which i was not informed of i was buying a dog that would grow to XXXX to XXXX. She also said pup that tiny shoukd not of left the brreeder until 12 weeks at the least this is an entirely different issue inhave a veryvsick dog and discover refuses to reopen dispute or start new one. Breeder is hostile XXXX XXXX company mgr XXXX will notnhelp me i researched to getva healthy pup she my vet says and i sent medical recorders from er vet and mine that the pup had gardia from breeder environment. Plus geneticly hypoglymic and needsba stunt in XXXX later she cant be vaccinated this sick. I want a full refund back to my discover card for both transactions to and thru XXXX XXXX XXXXXXXX plus fees and XXXX plus fees. I proved the vets diagnosis plus i paid for a healthy dog. Instead i have a toy dog. With health issues. Breeder refuses to honor 1cyear guatantee. Please get mevmynmoney back this is wrong unfair and false advertising by XXXX XXXX for protection and breeder posts XXXX not toy or mini. I want discover to dispute again since this is entirely different issue that has harmed me financially and my other dogs and myself exsposed to gardia..
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy being reported on credit report, I asked XXXX  and Equifax to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. Equifax and XXXX  stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX  and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Product: Money transfer, virtual currency, or money service

I want to tell you about my interactions with a company called Albert ( XXXX  ). They tout financial and budgeting resources, apps, and advice. I trialed their app and services and it has led to a financial issue I have yet to find a solution to. My experience made me wonder how often this happens to other families and what can be done to stop this predatory financial problem. The company began withdrawing monthly payments of {$7.00} from my account during my trial period and even though the app never worked correctly and kept locking me out and I never even got to use their services, they have continued to charge that monthly fee to my account without fail, despite being told numerous times by me to stop and to cancel whatever subscription they say I am supposedly using. I have full documentation of my attempts to resolve this issue. I am told to stop the payment from my banks end I have to pay a fee larger than the amount being taken and the bank said the company can keep taking the money every month so it would have to be stopped every month too. The {$7.00} a month doesn't sound or seem like a lot I know, but it adds up quick, plus it often results in an insufficient funds fee/charge from my bank and has caused vital payments like our mortgage to get missed resulting in a fee on our lenders end and jeopardizing our home buying process. This has resulted in significant emotional, financial, and familial stress for our family of XXXX. I can't imagine what people with even less resources than us do in this kind of situation. I don't think it's just this company that does this... 

I initiated the process back in XX/XX/XXXX. I made my second attempt to resolve the matter in XXXX of XXXX. In XXXX of XXXX I made my third and final attempt to resolve this issue in a satisfactory manner. The company admits that they did receive my communications in XXXX and in XXXX said they could issue a refund of just over {$60.00} but never issued the refund. Then just now in XXXX they said they could only refund {$24.00}. 

In XXXX of XXXX I sent them an email detailing what I would like to have happen. Their continued fraudulent electronic funds transfer were completed without proper authorization from the moment I revoked their privilege to complete the funds transfer with my XX/XX/XXXX correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account with XXXX XXXX XXXX as a chargeoff/current debt when my debt balance is now XXXX with nothing owed. The balance is approximately {$6000.00}. Equifax is refusing to manually check the records of XXXX XXXX to confirm that the debt is at a XXXX balance. XXXX XXXX is lying about me having a debt owed with them and their internal records needs to be checked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). 

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. 
Im XXXX and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court
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 Filing 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

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 WI XXXX ( XXXX ) XXXX Original Creditor- XXXXXXXX XXXX  Account XXXX XXXX Amount- {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX XXXX XXXX Original Creditor-XXXX Account # XXXX Amount {$520.00} Both companies has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report due to identity theft, as permitted under Section 605B of the Fair Credit Reporting Act. I have recently discovered that my personal information has been used fraudulently, resulting in inaccurate entries on my credit report. Fraudulent account created due to Identity theft XXXX XXXX XXXX *****FTC REPORT IS ATTACHED PLEASE READ FTC REPORT IN DETAIL*****
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 XXXXXXXX, 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 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: Debt collection

I had no idea about it. I wasn't getting notification. All of a sudden, I had debt collection call me through the day. I told them not to call me, but I still get calls from them from different numbers. The debt collectors kept pestering me even contacting families and acquaintances who I haven't seen for years, and then leaving scary, threatening messages ... and then I hear about it from multiple friends of their friends before it reaches me.
Product: Mortgage

Please refer to complaint # complaint # XXXX and complaint # XXXX for the whole history! 
The loan service company BSI Financial Services has an extra charge even after the date they canceled the escrow account!!! Why did you close complaint # XXXX again without confirming with the customer?! 
The BSI company approved the escrow account on XX/XX/2021, after I filed the first complaint # XXXX. And I have immediately asked them to remove the escrow account and refund me. And they promised to do so!! 
But they cheated again, then I have to file another complaint # XXXX!! Now they have an extra charge of escrow amount of XXXX. Please let them refund the extra charge immediately, AND make compensation due to the late refund and extra charge!!! 
BSI, DON'T DO EVIL ANYMORE!! The whole process is a nightmare for almost one year. I was hurt deeply psychologically. Do something right!!
Product: Credit card

My sister recieved letters from XXXX XXXX XXXXXXXX XXXX XXXX Bank of America and XXXX money card addresses to me. Letters were addressed to my maiden name, I have never lived at my sisters current house. Letters stated they couldnt open account except for XXXXXXXX XXXX  card. They sent a debt card to me. I did not make any of these requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Target reported my account 120 days late which is incorrect. I called in to speak with a representative in XXXX to let them know that I was experiencing a financial hardship and would like to request that my payment that was due be placed on the back-end. The representative approved the request and told me that my next payment wouldn't be due until XX/XX/2019. I received a letter around XX/XX/XXXX stating that my account was placed for collections if I didn't make a payment. This was the opposite of what the representative explained to me. I was not or never late on my payments to target and I want those 2 late payments removed from all 3 credit bureaus immediately.
Product: Mortgage

Deadlines were missed due to this mortgage company and XXXX due to major inefficiency and inability to hit KNOWN deadlines. This caused me to have to pay 1 % of purchase price of loan twice to the builder in XX/XX/2021 and XX/XX/2021 for missing close dates. For each month the deadline was the last day of the month. Neither deadline was met by the mortgage company or lender. We were asked for documents that the underwriter needed and in each instance documents were sent back within hours. I finally received clear to close documents 42 days after my deadline. The builder cancelled the contract. The cost of each month was {$8600.00}, so that total is {$17000.00}. The house has gone up in value approximately {$70000.00} based on the purchase price and the appraisal. The builder actually put the house on the market for XXXX. Not to mention the thousands of dollars I have spent on XXXX XXXX  and hotels waiting for these documents. We would like to reimbursed XXXX ( cost to push closing twice ), {$70000.00} ( equity we lost in the house ), {$150000.00} ( lost equity ) our cost for hotels and XXXX  for XXXX, XXXX and XXXX ( {$16000.00} ) and I don't even know how to figure a cost for the pain of suffering of having to move my family from place to place because we were given dates things would be ready for TWO months. If you add up these totals, it's XXXX we are asking for reimbursement including {$50000.00} for pain and suffering. This is an errors and omissions type of claim. Totals XXXX
Product: Credit card or prepaid card

Today I made XXXX purchases on credit card The published daily rate is XXXX XXXXXXXX My purchase for XXXX XXXX was charges at XXXX XXXX At XXXX XXXX  per dollar my purchase should be {$28.00} Creidt due me {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : rent XXXX XXXX Account Number : XXXX Amount : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

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 if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history one this card is wrecking my credit score. I am demanding XXXX from XXXX XXXX and equifax for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX XXXXXXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.