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

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX ( Inquiry Date : XXXX ) AN XXXX ( Inquiry Date : XXXX ) XXXX ( Inquiry Date : XXXX ) XXXX XXXX XXXX ( Inquiry Date : XXXX ) AN XXXX ( Inquiry Date : XXXX ) XXXX ( Inquiry Date : XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : JPMCB CARD Credit Department XXXX XXXX XXXX XXXX, DE XXXX Dear JPMCB CARD This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XXXX XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
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 confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX XXXX XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX Account 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 an account without my written instructions.
Product: Credit card

BB & T received an electronic payment on my account. On at least XXXX occasions, they took excessive days to post the payment, making the account past due and thus charging a late fee. XXXX instance was 9 days ( 6 business days ) ; the other was 13 days ( 8 business days ). They refuse to waive the late fees saying it takes several days to post payments.
Product: Money transfer, virtual currency, or money service

{$4300.00}, On XX/XX/year> I deposited a check via picture through the Chase app on behalf of my father I had his full authorization to do so. XXXX weeks later I call Chase to ask for the check status and I find out that my account is being closed for potential fraud and the check funds will not be released unless my father has a verified phone number. I asked if there was any way I could go to a chase branch with my father so he could present his Id and get it verified that way. The answer was no he had to have a verified phone number tied to his name. He has a phone number but the records dont show his name tied to his number therefore he cant get his funds. 
My father and I have tried opening new phone lines to see if we could get XXXX to his name but weve had no luck. They say if after XXXX years I can not get the check verified they will send the money to the government. I feel like this isnt fair to my father or me if the only way to verify is through a phone number l, it would be logical if we can visit a branch and verify it that way.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. Transunion and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXX- - XXXX # XXXX-Date opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Debt collection

On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/XXXX asking them to investigate these accounts XXXX XXXX XXXX' and information I sent i certified mail, XX/XX/XXXX they sent me their investigation and said those accounts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states after any investigation 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 de verified. The credit bureaus did not re-investigate and violated my right.
Product: Credit reporting or other personal consumer reports

I HAVE CHARGE OFF ON MY ACCOUNT AND I DID NOT RECIEVE MY 1099C, THESE COMPANIES ARE REPORTING DEBTS ON MY CREDIT REPORT EVEN THOUGH THEY GOT A TAX BREAK AND WAS ALREADY PAID FOR THE DEBT. XXXX XXXX credit card, XXXX XXXX XXXX XXXX XXXX, I do not owe XXXX XXXX or XXXX XXXX XXXX, I've never done business with them but they are reporting on my credit. I am requesting a 1099C from each company because the debt on my credit said charge off.
Product: Credit reporting or other personal consumer reports

Late Payment Reporting : MOHELA has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that MOHELA disclosed my personal loa

n information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's educa
tion records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When

a student turns 18 or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation. Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's gr ades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I closed my checking account on XXXX XXXX XXXX On XXXX XXXX a refund was processed by a merchant XXXX. The refund showed on the account as returned to merchant due to account closure, XXXX XXXX. The merchant however did not received the returned funds and the transaction from their end show successfully refunded to my bank account. They have in investigated it with their payment provider Stripe which confirmed, XXXX XXXX XXXX  the refund was successfully processed to my closed account on XXXX XXXX and no return was received since. Both parties therefore state the funds are with each other.
Product: Student loan

I have tried several times to have fraudulent student loan removed from my name. It is removed from my credit report, but yet MOHELA still will not take action on this student loan. I have sent in all documents, along with police report and signed ID theft affidavit that I signed in front of a notary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
Product: Debt collection

I received a letter via mail regarding a debt collection for a XXXX account in the amount of {$1200.00}. I have not personally opened this account nor was I aware this account was opened under my name until receiving the letter from the collection agency. After confirming this debt to be true by finding it on my credit report on all 3 credit bureaus, I filed a police report at my local police department on XX/XX/22. That same day ( XX/XX/22 ) I submitted a fraud claim with XXXX and uploaded the supporting documentation needed. The claim is currently still being processed by the XXXX Fraud Prevention Team.
Product: Credit reporting or other personal consumer reports

Final Warning to all imposters using false statements and identity theft for profit and or gain! 

XXXX XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the CFPB. 

Your lack of response, acquiescence and continued damages to our, character, reputation and credit have created a tort, or torts, against My Human Self.

NOTICE of the Commercial Lien Process I have implemented.

A Common Law Commercial Lien is a process that any Human Being can employ in order to obtain lawfulremedy from the actions of another Human Being ( s ) who have or have attempted to or have conspired to- damage said Human in some way. Such wrongs are known as torts and are the subject of Tort Law. This includes harassment, such as threats with menaces, which is considered to be psychological damage, and also defamation of character, which is also considered to damage a reputation. The reason for this is very simple : Since all are equal under the LAW, then each Human Being has a Duty of Care to each other Human Being, such as to make sure that whatever action we take towards each other we have the Common Law behind those actions, and thus can live together in peace. Abrogating said Duty of Care is a CRIMINAL ACT and constitutes a tort against XXXXXXXX XXXX  and you, XXXX XXXX XXXX in your personal capacity. 
You had 30 daysto respond with a TRUE BILL, as of XX/XX/year>, this has not occurred. Identity Theft under Kansas Statute 21-6107 is a severity level 5 or 8 nonperson felony. I will also be looking into filing under the False Claims Act for failure to follow throughwith your fiduciary responsibilities to act in my best interest, as noted in past certified mailings.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court. 

Your agency is in violation! 
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 reporting or other personal consumer reports

I am so very angry at XXXX- they are reporting invalid credit inquiries XXXX of them on XX/XX/year> from XXXX XXXX and XXXX. These are not from me and in fact from a business XXXX XXXX the XXXX XXXX and should NOT BE LISTED ON MY PERSONAL CREDIT REPORT FOR A BUSINESS. I have called XXXX and they refuse to understand or acknowledge or fix this. Therefore I filed the attached fraud report with the FTC! It is FTC report # XXXX. These XXXX companies should be fined for allowing invalid records on personal credit reports. I will be suing them for {$1000.00} per inquiry along with the other agencies XXXX and Equifax if these aren't removed by XX/XX/year> as this impacts my existing credit and has already impacted my future to complete my school.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and are affecting my credit report. 

PNC BANK Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account Number : XXXX Balance : {$16000.00} XXXX XXXX  Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$23000.00}
Product: Checking or savings account

There was never a resolution for my account. It was just closed, my deposit was labeled as fraud and my funds were sent to me, My check was not fraudulent and had my business name on it but still no resolution almost 4 years later, I still havent been released my funds that were supposed to be deposited into my bank account.
Product: Credit reporting or other personal consumer reports

Some took credit card out in my my name with I am in a XXXX  XXXX. I attached a tell for an example of what I need to incure new debt. No one thinks by law I have to have that letter. I do the ftc. Is involved. What's on my report is XXXX XXXX. I will becasking all XXXX companies to send the letter to me. XXXX XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. The amount are XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. And XXXX XXXX XXXX XXXX for XXXX.