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

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit card

Cashapp has sold my bank info/account to XXXX company, XXXX and XXXX. They have been deducting XXXX cent everyday 3 times in a day, they will settle me for XXXX for allowing other companies to invade my account and deduct money unauthorized. 
This is a violation of my privacy/data bleaching and taking money, I worked for through suffering, today they deducted XXXX dollars for more than XXXX  times. I have more deductions I could not do again because it's a lot even for today 's date and the one they deducted this evening. This is horrible and you aren't to be trusted with cash apps. My money was XXXX, now it is XXXX something. 
XXXX will be an amount to settle this case and they have to put security/protection to my account. See the attached information. 
Thanks for your cooperation and understanding. 
XXXX XXXX
Product: Mortgage

Hello. My husband filed for bankruptcy which was discharged on XX/XX/XXXX. This was NOT a JOINT bankruptcy and our home was not included in the bankruptcy. My name was not included in this bankruptcy in any way, shape, or form. A mortgage servicing company called SPS Select Mortgage Servicing acquired our mortgage in the fall of XXXX. We had previously been with XXXX XXXX. When checking both of our credit reports, I noticed that our mortgage was not listed. I have contacted SPS and have receieved information from then that my husband did not have a reaffirmation agreement with them so this has not only affected his credit but my credit as well. I am co-owner of this property and I was not and am not included in this bankruptcy from 11 years ago. I have spoken with my attorney who advised me to file a complaint about this as this mortgage should be on my credit report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX  emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my report and there are fraudulent accounts displaying on my credit report.
Product: Student loan

In XXXX of XXXX, I spoke to an employee of FedLoan to try and get a better repayment plan. They offered to have me apply for an Income Contingent Plan, and I accepted. I was accepted for the plan, but the employee told me that a requirement of the plan was to sign up for ACH Payment ( automatic withdrawl from my bank account ). She transferred me to another person, who signed me up for this service. I did n't learn until months later that I had n't signed up for ACH through FedLoan, but with a third party called the XXXX. Even learning this, I did n't know that it was n't a requirement of the plan, and that the employee had lied to me. This ACH withdrawl came with a service fee, that I learned was actually just paying XXXX for their services. Again, at the time I was under the impression that this was a requirement for the Income Contingent Plan. Today, the first of XX/XX/XXXX, I called to make adjustments to my payment plan with FedLoan, and the employee today informed me that I never should have been required to sign up for a third party, or for ACH through that Income Contingent Plan. Over the last three years, I wasted over {$1000.00} paying this third party for services that I was not actually required to have. All because FedLoan 's employee in XXXX of XXXX told me it was required to sign up. I did n't know until today that I am not required for any reason to sign up with a third party or be charged service fees when paying back a federal student loan.
Product: Debt collection

i have been a victum of identity theft. i am currently employeed with XXXX XXXX XXXX. in XX/XX/XXXX i was made aware of collections on my credit report from XXXX. three separate collections, one is {$670.00}, {$650.00}, and {$710.00}. All three were with a collection agency named Diversified consultants. During that time, i have faxed in all info required to prove my identity and that these accounts were all ooened without my authorization. those 3 collection accounts were eventually removed from my credit. In XX/XX/XXXX, all three of these collections reappeared, but now with a different collection agency. that collection agency is called XXXX XXXX. i also have 2 separate collections with XXXX XXXX from XXXX XXXX XXXX. those 2 accounts are a total of {$2100.00}. these accounts were not employee accounts and also were created due to identity theft. i have tried to take care of this on my own, but not getting anywhere. now im getting consistant calls throughout the day and also family and friends are being harrassed about these collection debts that i did not authorize. i am hoping this can be resolved that will result in these attempts to collect these debt cease and removed from my credit. any help would be greatly appreciated
Product: Credit reporting or other personal consumer reports

Theres alot of hard inquiry in my credit report that I did not authorized. Heres a list if you can please remove them. 

XXXX XXXX XXXX XXXX XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/Personal XX/XX/2019 TransUnion XXXX XXXX XXXX/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am the victim of identify theft Experian is well aware of this and they removed the fraudulent accounts then placed them back on there I've been. Writing them letters each week and nothing has been done about this. There are violation federal law and need to be held account table
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX CARD XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$380.00}
Product: Debt collection

XXXX XXXX had stated that there was {$4500.00} in charges in my name which was not me. XXXX XXXX XXXX XXXX contacted. Per their fraud dept. I was to go to my local police dept. and file a fraud case and then send them the information. Police report was filed with XXXX XXXX, Minnesota Police and documents were sent to XXXX. Nothing heard from XXXX XXXX and all of of sudden account balance was sent to Jefferson Capital XXXX. collections for the above stated amount. XXXX XXXX was never able to provide copies of the transactions for the above charges as I requested copies of my signature and copy of my drivers license for the charges XXXX was claiming. Every purchase for cell phones and or equipment usually requires ID and signature. XXXX couldnt provide the request. XXXX was contacted again in regards to the claims and they stated that they cant do nothing now that it was sent to the collections company Jefferson Capital Syst. Neither XXXX and or Jefferson could provide any documentation to me in regards to the unauthorized charges that went to collections. Disputes have been filed but nothing being done. This has impacted my credit greatly and I dont know how to go about to resolve this result of fraud and or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX  ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  XXXX Account Number : XXXX
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter to my residence and still did not correct my existing problem. They once again updated my credit history regarding four XXXX  trade lines instead of deleting the trade lines in accordance with sweet vs cordona loan forgiveness suit. The trade lines need to be delete from my credit report and should have been done so over one year ago.
Product: Credit reporting

I was contacted by XXXX XXXX some time back concerning a debt owed to XXXX. I instructed them that I had received class action paperwork as they had no right to collect on me as they are in a class action lawsuit. I have paid them a total of about {$1700.00}, paid consistently on a monthly basis. I am a member of the class action. XXXX is famous for illegal collection practices. The FTC will verify this as well. I am requesting they return my money, cease collection efforts per the XXXX XXXX XXXX, and FTC. Thank you so much
Product: Debt collection

Commonwealth Financial whose address is XXXX XXXX XXXX, XXXX, Pa ... ... ... phone number XXXX picked up a disputed account from XXXX XXXX XXXX in the amount of XXXX and submitted it on my credit report as them being them being the creditor. They submitted the same account again listed under another creditor named NE CRDTCOL for the same amount of XXXX. They have the same account listed on my credit report under XXXX different names but they are XXXX and the same. Their real name is Commonwealth Financial. as I googled the phone number they continuously call me from and it is registered to Commonwealth Financial. The number they call from is XXXX. When I call that number back, I get a person who states his name but no financial greeting. They now have listed another account for XXXX XXXX XXXX which is the same as XXXX XXXX XXXX. NE CRDTCOL does not exist and is bogus for Commonwealth Financial. They are trying to collect a debt that was not owed. I paid my co-pay and my insurance policy states if the medical servicer charges more than what my insurance pays after I pay my co-pay, that amount has to be forfeited by the servicer. I consider these vultures who seek out debs that are 5 years old or older and try to collect on them as bottom of the pond scum suckers and I have no intention of paying them XXXX cent. I have been harassed by these people for years and have had enough especially now that as of XXXX XXXX, they submitted the same account against my credit. Guess the vultures forgot they had already submitted it in XXXX. I have printed my credit report and submitted it to an attorney proving what I am saying is true and I have the phone number stored in my cell phone showing that the real culprit in this scam is Commonwealth Financial and bogus name NE CRDTCOL. I am informing CFPB just to make you aware of this fraud on their part. I have also written to all credit reporting agencies to check the original debtors on the reports and submit them to me to t urn over to the attorney involved. I have had enough and was informed of steps to take against these debt collection agency agencies. This debt happened back in XXXX and is just now being placed on my credit report. The real issue is it was paid and my insurance company will have records as well as the original debtor. I intend to sue Commonwealth financial and this bogus name NECRDTCOL to the fullest extent of the law.
Product: Checking or savings account

My card was accessed without permission. The unauthorized transactions hindered me from an important purchase. The bank is trying to keep my money for short term investing. I need my money back it is important to my health! Please fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX report and there is a fraudulent account appearing on my report, reporting discrepancy & i would like this to be removed.
Product: Money transfer, virtual currency, or money service

This is the document I sent to Chase, which has since declined all of my inquires, and I have lost $ XXXX To Whom It May Concern, On XX/XX/year>, my XXXX was stolen around XXXX XXXX and the person ( s ) who stole my phone were able to gain access and not only make fraudulent transactions, but also open lines of credits, and use my XXXXXXXX XXXX. Additionally, they changed all my contact information, so I was not able to gain access to accounts until the damage was already done. 
With that being said, I am writing you today in hopes you not only look at your normal checklist for fraud cases, but in hopes you look at the big picture and how the sheer number of transactions that took place between XXXXXXXX XXXX and XXXX XXXX were that from professional scam artists, and not myself. 
- XXXX XXXX XXXX payments : o {$2000.00} o {$2000.00} o {$2000.00} o {$2000.00} o {$1900.00} o Total = {$9900.00} ; daily limit is {$10000.00} not a coincidence o Prior to these transactions, I have used XXXX XXXX one or two times, the value never exceeding {$500.00}, and that is a stretch. 
- XXXX XXXX Payments : o {$2000.00} for a plane Ticket to XXXX XXXX If you google the recipient, you will see she has a hair salon in New Jersey The hair salon is 30 minutes from where one of the fraudulent XXXX were taken. I will hit on this later I called this phone number listed, and I received a text response, which is attached. 
I dont think I would send someone {$2000.00} if they talked to me the way they did in the text message ( Sorry for the profanity ) {$500.00} to a phone number I tried contacting, but didnt have any luck - Opened a {$500.00} line of credit w/ a Chase Freedom Credit Card o This was reported to Chase and confirmed I did not authorize o I also opened a case w/ XXXX, which has since considered fraud and removed from my credit history. 
- Opened a line of credit via XXXX Credit Card XXXX XXXX XXXX XXXX 
o This has since been labeled as fraud & closed - XXXX XXXX Trips ranging from NY to NJ, and vice versa. 
o I was in Texas at the time and can prove it. 
o XXXX also confirmed this was not authorized, and someone gained access to my account. 
Please see attached documents on the following pages. Thank you so much for your reconsideration of this claim.