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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 Capital One Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of Capital One, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that Capital One promptly investigate and remove this inquiry from my credit report. 

Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. 

I kindly request that Capital One promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. 

Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I added a XXXX XXXX to my PayPal account and set it as my method of payment. I paid {$100.00} for an invoice through PayPal and they took an unauthorized payment for {$100.00} from my checking account and {$100.00} from the XXXX XXXX I have on file. I essentially lost {$100.00}. I sent an e-mail to PayPal asking for an explanation and to get a refund. The first e-mail was an auto-e-mail with no useful info. The 2nd e-mail stated that I have to call the toll free number and speak to a rep. I e-mailed them back stating that it is difficult to communicate with them via phone because of long hold times. I tried calling and was unable to speak to anyone after a couple attempts and 40 minutes of hold music. I have had issues with PayPal previous for unauthorized transactions.
Product: Debt collection

A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by Portfolio Recovery. The debt was with XXXX XXXX to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with Portfolio on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted onXX/XX/XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.
Product: Vehicle loan or lease

I hope this email finds you well. My name is XXXX XXXX, and I am currently working with Wells Fargo to receive the title for my vehicle in order to complete the registration process in New York State. As you may be aware, New York law requires vehicle owners to transfer titles and register vehicles within 30 days of establishing residency in the state.

However, I have been informed that the release of my title will take 30 business days, which exceeds the legal time frame I must adhere to for registration. I am concerned that this delay may result in unintended non-compliance with DMV regulations, along with potential penalties.

I kindly request the following to help me stay in compliance : Expedited processing of my vehicles title, if possible.

A written statement confirming the reason for the delay, which I can provide to the New York DMV as documentation.

I understand that since my loan is still active, the title is held by Wells Fargo under a lien. To comply with New York State registration requirements, I kindly request a written statement confirming the lien and the status of the title, which I can present to the DMV.

Your assistance in resolving this matter promptly would be greatly appreciated. Please let me know if additional information or documentation is required from my side to facilitate the process.

Thank you very much for your attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was shopping for refinance loan on my home, XXXX XXXX informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1960 XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these Transactions was unfeasible. The CFPBs finnding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against RC/RESURGENT RECEIVABL regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by RC/RESURGENT RECEIVABL regarding an alleged debt in the amount of {$1300.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to RC/RESURGENT RECEIVABL or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to RC/RESURGENT RECEIVABL disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, RC/RESURGENT RECEIVABL has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against RC/RESURGENT RECEIVABL for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

All of the payments that were sent to me through PayPal were from random people. Then I was to sent those payments to my checking account then send those on to XXXX XXXX  do I should not owe anything to anyone. Everything should have been cancelled because come to find out this was all a big scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX  several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the data beach with Equifax. I was never notified nor did they tell me this. They put a freeze on my account and are now telling me I have to pay to send in papers to get into info. I can not apply for XXXX until the freeze is lifted and they wont lift freeze until I pay XXXX to fax the papers. I did nothing wrong and they are acting like they are the victim. I have been on the phone since XXXX trying to rectify the situation to no avail. Why is the victim being made to pay for the mistake they made. I have been married for 3.5 years name is changed legally and they still have maiden name on account as well as have items on report from XXXX XXXX that has the wrong last name on it. I have not lived at address on their file for 5 years. They will not give me a copy of credit report until I the victim pay to send in info they are requesting but refuse to ask any security questions like XXXX  did to change my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus Equifax, XXXX and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Product: Payday loan, title loan, or personal loan

I submitted two separate tickets to cancel my membership with this company. However the first ticket was not honored. They make it seem as if your request will be handled in email however they only respond in a hidden chat box hidden in the app. Also after submitting a ticket to cancel in the chat box it states If you would like to chat with a live agent, please stay in the chat. This is very misleading. After submitting a ticket where you clearly express that you would like to cancel and delete your account, nothing is stated that you have to respond to them in the chat in the app in order to actually have the account cancelled. I was charged for two months of the subscription because of this and only after the second ticket was I able to cancel this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Account XXXX This account was disputed in XXXX. The result of the investigation is still incorrect. The charge off date say XX/XX/XXXX which is incorrect since the account charged off in XXXX per documents from the furnisher. There are also several other violations on this account. This has led to me being denied for credit.
Product: Payday loan, title loan, or personal loan

My credit came in at XXXX according to Citibank. 
Interest rates are based on the credit score, as low as 5.99 percent. 
5.99 is what they advertised, depending on the credit. My credit score is in the excellent rage, I should have received the lowest interest rate or very close to it at a XXXX. 
Citibank has given me an interest rate of 12.49. 
There has been several complaints with Citibank not upholding the 0.5 savings for automatic transfer. I called in and let them know the online process is not working to receive the 0.5 discount. I spoke on a recorded line with a man named XXXX around XXXX XXXX, date XX/XX/XXXX and was told several times ... the 0.5 savings will be applied if the online process does not work, just call soon as you get the loan. He also spoke of how this happens time and time again. I did call, and Citibank more than once told me the 0.5 savings will not be applied. 
When applying online it does not show people the interest rate they are approved for at anytime, it gives a range and states how a persons credit score will dictate the interest rate. So, people apply online and are approved for these loans and do not know the interest rate is. Once I got the check and called, I have/ had no problems returning the check, yet interest of a few days had already accumulated. 
There marketing strategy is going over the line by withholding the real interest rates and information, and by speaking with Citibank reps in the personal loan department, it is very typical for peoples banking information not to go through and therefore not get the .05 savings when they call in ... .. This also seems comes off as a strategy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate.

The discrepancy identified is as follows : XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, XXXX has advised that ALL inquiries and collection acct reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, Experian XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, Experian XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX file number XXXX : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX passed away XXXX XXXX I sent her death certificate to discover this XXXX credit card I told discover that my mom passed they said that credit card was clear and they closed the account well a year later discover sent my mom XXXX XXXX to XXXX and the lady wanted to know about my mom 's estate she doesn't have any I'm not on her account I told this that she can not sue a dead person and why did they wait a year to say something the lady hung up on me. Now this needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so on XXXXXXXX  I sent all 3 bureaus about some of the unknown and inaccurate things on my credit report. I can't even believe it but it's been well over 30 days and honestly about 60 DAYS NOW AND I HAVENT GOTTEN A RESPONSE OF MY DISPUTE AT ALL! I even sent a second dispute letter that is notarized just in case they didn't think it was me! I don't like being taken advantage of but by ignoring my disputes that's exactly what's going on here! I have called and nobody even has a confirmation number for me! Section 611 ( a ) states that a failure to investigate disputed items within 30 days gives a reason to immediately remove those items from my credit report and it has been about 60 days so they should be deleted promptly. I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at XXXX! Please note that it may be in other hands!
Product: Debt collection

Keep getting phone calls before XXXX but no one ever answers. Called a number that was provided on a letter that was sent to me stating that a lawsuit has been filed against me and requested proof they were the original creditor but was told they would not provide anything unless I verified my name, which I did and then was told they needed my date of birth and mailing address. For all I know this is a phishing scam. Obviously they have my address if I told them I was calling about a letter I was sent from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of Compliance Procedures/ Violation of Disputed Accuracy. 

Dear Experian, You stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date of last activities is inaccurate and the date last reported is not accurate and the accounts contain missing information.

This is a violation of 15 U.S.C. 1681e ( b ) ( Accuracy of Report ) and 15 U.S.C 1681i ( Procedure in Case of Disputed Accuracy ). The following account is still not being reported accurately, I request that the following account be removed immediately : 1 ) Account Name : XXXX/Account XXXX The Date of last activity is incorrect, the date reported is inaccurate and the date of last payment is reporting incorrectly. 

2 ) Account Name : XXXX Account XXXX The date reported is inaccurate, the date reported is not correct and contains missing information.
Product: Debt collection

I went to a doctor on a referral from my primary doctor. The referral was issued so it could be billed to health insurance. The doctors office did not submit in a timely manner so it was rejected. The doctors office send to collections with out trying to resolve first. I never was contacted over the matter by doctors office or collection. I see it on my credit report and call ASAP. Did not try anything to help. Because of a lazy doctors office and a scammer collision agency it gets charged off and credit ruined when the bill would of been paid in full. No penalties to any one just the me. Please help me resolve this. I should not be punished or anyone in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points  when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both TransUnion and XXXX. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX  XXXX
Product: Debt collection

This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a ups tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!