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

On XX/XX/XXXX I received an alert on my credit report from Transunion showing an " unauthorized inquiry '' from XXXX XXXX XXXX. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted Transunion, XXXX and XXXX   but Transunion was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to Transunion which included a 5 page  notarized affadavit and a letter to Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX the XXXX XXXX office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with XXXX XXXX XXXX I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND XXXX   XXXX  XXXX CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT XXXX  XXXX XXXX HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 XXXX XXXX XXXX MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, Experian. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Product: Debt collection

I received a collections notice from First Credit Services , Inc. of XXXX XXXX XXXX, XXXX, NJ XXXX with phone number of XXXX dated XX/XX/2019. This collections notice listed the Creditor as XXXX XXXX - XXXX XXXX with an amount due of {$130.00}. I called First Credit Services upon receipt of this collections notice and inquired about the debt. The representative who I spoke to was unable to provide information on the claimed debt with the exception of the Creditor 's Name and the amount due. I asked to speak to a supervisor and was unable to because they said the supervisors were busy and it would require a call back. 
On XX/XX/2019, I mailed a letter to First Credit Services , Inc. at the above address, and requested that they itemize the claimed debt. I informed them in this letter that I was disputing the entire amount of the claimed debt and that I had received no bills for this claimed debt. To date, they have not mailed me the requested itemization of the claimed debt. 
On XX/XX/2019, I mailed a Money order for the amount of {$130.00} made out to First Credit Services , Inc. to XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX which is the address listed as the payment address in their collections notice. This money order was mailed certified mail and they received the money order on XX/XX/2019. 
They mailed me a letter dated XX/XX/2019, which stated that the account has been Paid In Full. On XX/XX/2019, I received notification from one of  my bank cards that their was a derogatory item put on my credit report. This item was from First Credit Services and is pertaining to above mentioned claimed debt. To date, First Credit Services has not sent me the requested itemization of the claimed debt by mail as is required by law.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX I respectfully request that Experian resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuit to FCRA 605B ( 15usc 1681c-2 that you the Trans Union credit reporting agency and Equifax agency Block information appearing on my consumer credit report that is the result of identity, theft and fraud within four business days of you receiving this complaint this fraudulent and accurate and false information consist of a personal credit card with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts have XXXX in several fraudulent, hard inquiries and fraudulent collections apparent on my consumer credit report I attached a list of the heart inquiries and question as well as a copy of the consumer FICO credit report maintained by me which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections apparent on my consumer credit report maintained by me, was not open by myself all of the aforementioned accounts are the result of identity, theft and fraud. Ive attached a copy of my FTC identity theft criminal complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections inquiries are the result of identity fraud.
Product: Credit reporting

I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again from my credit report.
Product: Checking or savings account

I filed a claim with Chase bank on XX/XX/2020 because XXXX took my money and closed their doors and the posted on their website to contact your bank for refunds. So I contacted Chase bank. I received a provisional credit for some of my XXXX   transactions but, not all. on XX/XX/2020. I called and spoke to someone name XXXX in the claims department she told me that it was out of the 60 day retrieval of the fraud on my statement. I explained to her that this was not fraud. but, due to covid -19 the  vacation was cancelled. On XX/XX/XXXX XXXX the transactions for XXXX and XXXX was reversed and placed back on my account with out any notice. I emailed Chase and again the claims department said I it was out of the 60 day. I advised Chase this claim was for services not rendered to me. 
Chase then told me that even though those charges was out of the 60 days. the charges for XXXX and XXXX that Chase took responsibility. I advised them that they didn't take responsibility because they place those charges back on my account and that made my account go in the negative. So I refiles again and I still didn't get credit for those charges even after that wrote that chase took responsibility of the listed charges. XXXX and XXXX. I have all my documents that were sent to Chase concerning the claim about the XXXX  claims. I filed a police report, Florida attorney general complaint, XXXX  complaint. against XXXX.
Product: Debt collection

They claim I owe them money. I have sent them a letter to the president of the company asking for proof of this debt. They did not provide it with me they are in violation of the fdcpa, so if they want to continue to play games we can escalate the issue if they continue to violate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$220.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$74.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX  XXXX, XXXX
Product: Bank account or service

Hello, I am a single mother that was hosting a XXXX for my daughter on XXXX/XXXX/2015. It was XXXX. and I left my credit card for authorization with my daughter. After running my card the charge was denied without even the courtesy of a phone call to me. I called tonight to discuss and was told that US Bank has XXXX or so customers, and that they did not have an obligation to call me and that my account was flagged because several merchants I had used had fraud associated with their billing.. they would not give me a list of who I was using as a merchant that had issues, and referred me to a website list I could refer to. 
As a consumer and as a customer of a bank who denied access to my funds, I expect at the very least # 1 a phone call letting me know the issue-since I had no time to rectify and pay for food delivered to a party # 2 a list of the merchants that they flagged, and had an issue, so I could address directly with the merchant. 
They only suggested providing me with a list that I could scan to come up with what may be a match ... ridiculous. I am furious that I was denied access to my own money without any sort of notification, or assistance. 
This is my money and it was extremely embarrassing that I was not able to pay for a party I was hosting, with money I had the ability to pay for the debt.
Product: Mortgage

In XX/XX/2020 I requested in writing Bank of America to stop escrow on my mortgage. 
Its been over 60 days and They are still escrowing the account. I have heard nothing.
Product: Debt collection

Sometime around XX/XX/XXXX, I understand that Pendrick Capital Partners purchased an account from XXXX XXXX XXXX XXXX. The amount of the debt was supposedly {$870.00}. Since that time, they have farmed out collection of it to a half-dozen different debt collectors. I have explained on multiple occasions to their hired agents that I had insurance which should have covered the entire amount due to the ER. Then, around XX/XX/XXXX, Pendrick hired a company called XXXX XXXX XXXX in Pennsylvania to try to once again collect the {$870.00} it claims ( wrongly ) is owed. I looked up XXXX with the Florida Office of Financial Regulation and quickly saw that XXXX is not licensed to collect debt in Florida, as state law requires. How is it that I, as a single consumer, can quickly check into this and see that this debt collector has no legal ability to collect debt in Florida, yet a company as large as Pendrick does n't bother to do so? Take a look at the Florida consumer collection agency license. It reads in large capital letters that was REVOKED. This means nothing? So besides a debt which has been disputed and shuffled around to a half-dozen different collection agencies, Pendrick Capital has hired an unlicensed company to collect on a debt that should n't exist. This is all very fishy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the conduct of BMO Harris Bank in handling my financial information. On XX/XX/XXXX, I initiated an account with your institution, expecting a level of confidentiality and adherence to legal regulations. Unfortunately, my experience has been marred by several alarming violations, which I believe warrant immediate attention.Key Points of Concern : FCRA, Fair Debt Collection Act, and Credit Privacy Act Violations : BMO Harris Bank has, without my explicit consent, disclosed my non-public information to third parties. This action stands in direct contravention of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Act, the Credit Privacy Act of 1974, and 15 USC 1681 ( b ). Such unauthorized sharing of personal data raises significant legal and ethical questions.Breach of Terms and Conditions : Furthermore, the bank has failed to uphold its own terms and conditions by denying me the right to opt out. This is a direct violation of 15 USC 6802-6805, demonstrating a disregard for the contractual obligations established between us.Continued Non-Compliance : Disturbingly, despite these concerns being brought to light, my non-public personal information is still being reported to third parties, as evidenced by my consumer report with XXXX consumer XXXXeporting agency. This persistence in non-compliance compounds the severity of the issue.In light of the aforementioned violations, I kindly request that BMO Harris Bank takes immediate corrective actions to rectify these breaches of privacy and adhere to the stipulations set forth by relevant laws and its own terms and conditions.Please consider this letter as my formal complaint and expect further legal action if these matters are not promptly addressed. I anticipate your immediate attention to this grave matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Made a payment on XX/XX/year> which was returned because of a banking error which prevented the payment from coming out of my bank account. 
( which I explained in a Goodwill letter-sent by certified on XX/XX/year> to the creditor ( XXXX XXXX XXXX ) still with-out a response from them to this day ) the creditor ( XXXX XXXX XXXX ) reported my account 30 Days late for XXXX on my Experian credit file? According to : 15 U.S. Code 1666b - Timing of payments. The creditor ( XXXX XXXX XXXX ) never in formed me that they were going to take this action neither did they respond to my Good-will letter within 5 Days or 15 Days? Please Help, I would like to have this 30 Day late ( XX/XX/year> ) from my Experian credit file. Thank you so Much
Product: Credit reporting or other personal consumer reports

I am writing to formally report a serious issue involving unauthorized hard inquiries on my credit reports with TransUnion and XXXX. These inquiries were made without my consent and constitute violations of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These actions violate the following laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( c ) : This section specifies permissible purposes for consumer reports. The unauthorized inquiries were made without my explicit consent, violating this provision.

15 U.S.C. 1681m : This section outlines requirements for users of consumer reports, including providing notice of adverse actions and maintaining accurate records. The unauthorized inquiries reflect non-compliance with these requirements.

2. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes the use of another persons identity with the intent to commit any unlawful activity. The unauthorized inquiries constitute fraudulent use of my identity. 

As a victim of identity theft, I am deeply concerned about the potential damage to my credit score and financial standing. I demand that TransUnion and XXXX take immediate action to delete these unauthorized inquiries from my credit reports. Additionally, I request that both credit reporting agencies implement measures to prevent future unauthorized activity on my accounts. 

Please investigate this matter urgently and provide confirmation of the removal of these inquiries. I also seek guidance on further steps I should take to protect my identity and ensure the accuracy and security of my credit information. 

Thank you for your prompt attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX and Transunion said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase has disabled my account. Support is not responding. It's been weeks now. I've opened cases and contacted them dozens of times. I filed a formal complaint with Coinbase online. No resolution still. I've lost tens of thousands b/c I can't access or view my account or execute trades. Their lack of response and support is criminal. They've hijacked my account and money.
Product: Consumer Loan

Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. 
Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount is much higher on my credit report than on the actual website. Also, i have been paying my monthly note on time and you guys keep reporting I'm late. This false information and its affecting my credit score alot.
Product: Debt collection

Unsigned Contract for a gym membership I never agreed to be apart of. 
XXXX XXXX XXXX