23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text.

1. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

( See attached ) XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that American Express does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein XXXX of XXXX of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY
Product: Debt collection

A debt buyer called Jefferson Capital attempted to collect an old debt barred by the statute of limitations. A few months ago, they listed the debt on my credit reports as a new debt. This practice of re-aging an old debt is specifically prohibted by Federal and State law. The alleged bad debt from the original creditor started in XXXX. Jefferson Capital reported that old debt as a new collection account in XXXX of XXXX. I disputed it over 4 times with all XXXX bureaus and Jefferson Capital keeps reporting the information they know to be false. I will upload a letter of admission by Jefferson Capital that the debt is so old that it's barred by the statue of limitations ( 4 years in California ). Then, I will upload a current copy of my XXXX credit report that shows the debt as new, XXXX of XXXX.
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 XXXX has violated my rights. Or a 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

They keep playing fraud alerts and credit freezes on my credit profile WITHOUT MY PROMISSION.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.
Product: Student loan

I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay. 
Why is this happening?
Product: Money transfer, virtual currency, or money service

This is exactly the error I got when trying to connect my PNC account via XXXX to XXXX XXXX XXXX XXXX : " PNC PNC has made a change that prevents you from being able to link your accounts. 
File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' And below the text there is a link to this form. 

I am almost 100 % positive I have successfully used XXXX to link my PNC account to other services before - in fact I know it's worked, but there's always been a disclaimer text at the bottom claiming there are some ongoing issues with connecting this bank. So I am not sure if the issue is isolated, worse for some and nonexistent for others, or what's going on. If you could forward this info to PNC I think it would be beneficial for everybody involved. They are a good bank. 


One last thig : everything on PNC 's end actually would seem to be fine, as right when that message prompts instructing me to contact your organization, I get an email from PNC, every time without fail. It says this : " On XX/XX/20, PNC Bank received a request to link one or  more of your PNC Bank account ( s ) to an online or mobile financial service. 
If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. 
Call us at XXXX to report unauthorized activity. 
This alert was sent for user ID ending in *****XXXX. 

Thank you for banking with PNC Bank. '' I have definitely gotten the same message from the same PNC automated system before when the connection thru XXXX  worked just fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. There has been rounds of dispute and these accounts still remain. 

I am preparing to take this to a small court and recover damages immediately.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I'm writing this with a heavy heart and a sense of frustration, having recently discovered multiple inaccuracies in my credit report. I carefully reviewed my report, a copy of which I recently obtained, and it was disturbing to discover that it was riddled with errors. 

It's like reading a book about your life and discovering parts you don't remember living. It's unsettling and, to be honest, annoying to have your financial narrative misrepresented. It's like having a blemish on an otherwise flawless record that shouldn't be there.

The uneasiness I feel knowing there are erroneous facts on my credit report is difficult to put into words. It's not a pleasant sensation ; it's a little uncomfortable and, to be honest, more than a little frustrating. Every mistake, no matter how little, adds to the discomfort.

Although I am not a legal expert, I am aware that conflicts like mine are normally investigated and resolved within a fair time frame - approximately 30 days or so. As a result, I'm praying against hope that this will also be the case in my instance.

Finally, I'd want to convey my appreciation in expectation of your swift action on this situation. It is my honest desire that these inaccuracies, which appear on my financial record, will be addressed and repaired as soon as possible. I eagerly await your response at your earliest leisure. 

Thank you for your consideration and patience in this critical subject.
Product: Debt collection

Company called Premier Portfolio Group continues to call me at my work after I informed them not to. I also informed them that another collection agency had taken money from me on the same account they are trying to collect on. I gave them the company phone number and contact person, but they continue to call my work and my cell phone. I have over XXXX plus phone numbers this company calls from. They are now using a number from my home state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information. XXXX XXXX XXXX   XXXXThe address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Original balance is incorrect. Correct or delete this account. The terms are incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX No contract with this company. Refused to provide documentation this is a valid debt. Delete this account. XXXX XXXX Date open is incorrect, correct it or delete it. The highest balance is incorrect, correct it or delete it.
Product: Money transfer, virtual currency, or money service

Citizenone 's website and apps intentionally misleading on balances due and time period for them. 

Eg. Not showing due dates and allowing balances to roll into eachout without notifying of past due balance. This way it appears to be all XXXX up to date balance. 

This resulted in fees and credit report stain on an otherwise flawless payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX # XXXX XXXX, has violated my rights. 

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

15 U. S. C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. Thank you.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. 

XXXX XXXX  XXXX XX/XX/year> XXXX- XX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit card

Regarding my complaint XXXX to which you responded. 

There was no information included regarding how the interest charges affected my balance transfer status & what steps you could take to correct them. I specifically mentioned several times my concerns & questions regarding how my current balance transfer amount had been affected. 

Regarding your customer service, it was subpar, causing me to spend a considerable amount of my time wasted, calling, being placed on hold, & being transferred to other customer service reps, none of whom could answer my questions or assist me. 

Had your customer service reps been competent, an explanation regarding " any use of the card will incur interest charges from date of purchase until purchases are paid in full '' given at the point in time of my initial call, this would have prevented this whole fiasco. 

Instead of being informed that any regular purchases with the card would incur interest from the date of purchase until paid in full, as opposed to the regular credit card scenario where interest is charged when the full payment is late, I was misled by your representative & told " there is a glitch in the system ''. 

Had I known this early on, I would have ceased to use your card for regular purchases at all ; instead I continued using it, unknowingly & without correct explanations from your representatives, continued creating these interest charges. 

I most certainly will no longer use your Citi XXXX card for regular purchases, I will definitely inform any of my family, friends & colleages of your customer service incompetence & will be cancelling this account as soon as the balance transfer has been paid offl.
Product: Checking or savings account

Chase bank allowed over 15,000 worth of fraud on my account and their " customer service '' representatives are blaming me for the transactions. I have not left my city due to shelter in place, yet my card was used in ATMs in XXXX and XXXX XXXX for over a week while I was busy at home. Once I realized the fraud I tried calling chase and filing claims, their phone support was less than helpful as I was transferred from line to line to file claims, some of the customer service representatives even implied they didn't believe me because theres " the pin was used '' so it must have been me? That is ridiculous considering it is the banks job to protect their customers and figure out what happened to the money. Even though claims were filed for the transactions and a police report was filed, the funds have not been returned to my account- in fact I called back to check on the status of my claims ( filed two weeks ago ) and I was informed they decided there was no fraud! My account is over 4000 dollars in the negative in the middle of pandemic because Chase Bank wont take accountability or protect their customers!
Product: Debt collection

XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX  Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach. 
I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.
Product: Credit card or prepaid card

On XX/XX/2021, Coinbase sent me the following email : " We noticed suspicious activity on your account and have suspended it for your safety. If you believe this was in error and are ready to reactivate your card, please contact us. '' When contacting Coinbase on XX/XX/2021, phone representatives indicated that the card was still in an active status but transactions were being declined. The representatives indicated this request would be internally forwarded. 



I received a message on XX/XX/2021 stating : " Our team has completed our investigation of XXXX or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' However, I was not informed of any transactions that violate the Cardholder Agreement. Furthermore, in the Cardholder Agreement there are the lines : " If we refuse to approve a Card Transaction and/or restrict, suspend, or terminate your use of the Card and/or any or all Coinbase Services in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' When asked for this information, Coinbase refused to provide any more detail on this suspension. I have not been provided any notice of suspension ( other than the initial notification indicating a temporary operational suspension ) and no reasons for Coinbase 's actions.
Product: Credit reporting or other personal consumer reports

Disputed INAUTHORIZED INQUIRIES or Credit Report FOR you are reporting inaccurate and incomplete credit information. Pursuant to 15 U.S. Code 1611 credit bureau is criminally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what TransUnion stated I needed after all these steps. I need a identity theft report sent to them and XXXX credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. One for XXXX and one for Transunion. Please and thank you. I attached both credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit account amount of XXXX is Im my report fraudulent and I have been forced to pay to keep my credit from being damaged Im asking that all three bureaus do proper investigation and remove these accounts from my report XXXX  XXXX XXXX from all three of my credit reports immediately and completely asap and all inquiries I have a ftc report and will be uploaded it as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED MUILPLY TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX