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

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries. 

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA. 

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing. 

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines. 

Thank you for your attention to this matter.
Product: Debt collection

I am writing on behalf of My common law husband XXXX XXXX -paquet and myself XXXX XXXX this is in regards to a credit card with XXXX  XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the amount of {$700.00} XXXX and I took this credit card put as a joint card we took XXXX insurance son this card due to my fight with XXXX Incase the worst senecio happened. 
I XXXX XXXX filed a chapter XXXX and received a dischargeonths later we receive letter regarding this debt and others not discharge XXXX XXXX was not Part of the chapter XXXX so now he owes this entire debt I XXXX have wrote numerous emails as well as on the websight of Attorney Raush Sturm XXXX XXXX XXXX  XXXX XXXX XXXX wi XXXX XXXX no response except weekly threats weekly letters even though I XXXX have called acknowledged and in receipt of all that mail and harassment there are laws to protect us from this type of harassment it shouldnt be a threat it needs to cease and desist immiediately. I XXXX have sent a letter stating this debt will be paid in small outs due to our financial hardship and due to both XXXX and XXXX both on card I XXXX will be following up as this company receives payment of any type I do not want threats of legal harassment as we are doing our best on XX/XX/2018 XXXX sent a small check letter included as the websight does not allow us to make a payment with out checking account and we will not feel comfortable with giving out banking I formation such as routing and account number I am coming to you to sto the letter notifications abuse threats and give us time to pay this and at time Of completed full payment removed off XXXX and XXXX credit report not with paid less than owed or charged off I would line this completely removed I would please appreciate the respect or the letters calls to stop and let us make this just and right
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of my consent that says that I gave permission and have not recieved it. Just because people ask for my data doesn't mean I gave permission. A better job needs to be done to protect our data. I did not give my consent for them to have access to my personal data. By law they were suppose to provide this proof to me and they never did. Since they accessed my report and are showing up as an inquiry ; and I didn't consent it must be deleted. Proof doesn't mean give me the dates the company requested my info. That is not proof. Provide real proof or delete!
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. XXXX accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization. 

In this context, I'd like to highlight the case of XXXX XXXX XXXX XXXX Federal Trade Commission ( XXXX XXXX XXXXXXXX XXXX ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent.

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent.

5. Provide me with a free copy of my credit report showing these corrections.

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me.

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

had an account showing on my credit report that was showing open when it should not have been and it was affecting my credit report negatively with a XXXX balance I disputed this and disputed it again and it's still has not been settled and is being again reinvestigated hi either the credit reporting entity or the account entity itself I also have the same exact legal name for the past eight and a half years now as another woman who is very very close to me and I have found to be linked to her in many ways before and we are not the same person but my information has been linked by same exact legal name even though it is not me but it is impossible to differentiate between the two of us this way.
Product: Checking or savings account

On XX/XX/XXXX I was notified via email that my new 360 checking account had been opened. On XX/XX/XXXX ( email wasnt reviewed until XX/XX/XXXX ) I reached out to Capital One concerned that said account was opened fraudulently and requested the account be closed. I asked a lot of questions pertaining to the initial start up of this account to no avail. The representative was very dismissive and instead was given the number for the credit bureaus. By XX/XX/XXXX a debit card for the fraudulent account arrives at my home address. I reached out again completely confused as most people committing fraud arent going to have the debit card and emails sent directly to the person whoms identity is being used. When I reached out wanting to be sure the account had in fact been closed and wanting additional clarity on if capital one had been the one that initiated the account I was told dont worry, the account will be closed and they will remove my email to insure I dont receive any more emails, as I have received numerous emails related to this account since my call on XX/XX/XXXX. Something is definitely not adding up and I feel as though Capital One opened this account. And without my authorization!
Product: Debt collection

I received a letter in the mail and I'm being sued but I never heard of this company or received any written notification. They are not on any of my credit reports. I'm being sued {$3700.00}. 

I need the following mailed to me : want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. 

Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. 

I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. 

PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.
Product: Debt collection

This debt is not valid. I am an active consumer and will open a court case against your company is the small claims court of Wyoming if this not fixed. I would like to dispute this debt. PLEASE FIX NOW AND STOP THE HARASSING PHONE CALLS!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is NOT a duplicate complaint. Previous complaint returned with " unauthorized third party '' which does not exist in this complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On the credit report from EXPERIAN, there is a " collection '' record from XXXX XXXX XXXX. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XXXX, XXXX. 
2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3.  On XX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX with proof of check image attached. 
4. The credit report is incorrectly showing " Failed to Pay '' on XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX XXXX in XXXX 5. A complaint was already submitted to XXXX XXXX XXXX and the company responded that it has requested EXPERIAN to remove this collection record 6. An online dispute was submitted to EXPERIAN to correct this. However, EXPERIAN did not make the proper correction and still shows this incorrect collection record and " FAILED TO PAY '' in current credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. experian and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy EXPERIAN violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX XXXX AND EXPERIAN have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX EXPERIAN HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if notXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX
Product: Credit card or prepaid card

AMEX REPEATS PHONE CALLS ON A DAILY BASIS PRIOR TO XXXX AM AND AFTER XXXX PM. EVEN AFTER SPEAKING WITH SOMEONE. THEY ARE SUPER AGGRESSIVE AND REPORT CONSTANTLY ON CREDIT. 

DATE OF OCCURRENCE PHONE NUMBERS AND TIMES ARE LISTED BELOW. 

XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX FURTHERMORE, THEY TRIED TO PUSH ADDITIONAL PAYMENTS ELECTRONICALLY TO MY BANK AND WERE RETURNED NSF. THESE ADDITIONAL PAYMENTS WERE NOT AUTHORIZED AND I INCURRED ADDITIONAL FEES AS A RESULT OF THESE AGGRESSIVE NON-AUTHORIZED ATTEMPTS TO COLLECTION ADDITIONAL PAYMENTS. THIS IS COMPLETELY UNETHICAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach. There are discrepancy in my report that is still there and Equifax doesn't do anything about it. In resulting in my accounts are being closed and I can't pay bills. XXXX credit card is one of them. It stated to XXXX last month that they closed account yet when I got Equifax report over the past weekend it states I closed the account and they are adding charges to card that I did not authorize. XXXX is another one. XXXX told me that Equifax closed my account for too many open new accounts. This is untrue. I never opened new accounts yet did not receive any cards. Then XXXX counterdict by saying I made payments that I never authorized. Equifax is telling these companies of new accounts that I did not open yet received any cards, making companies close my account and destroy my credit. I also received an email from business consumer alliance stating they tried to reach out to XXXX and XXXX never responded to their inquiry twice not once but twice
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps coming back saying verified to incorrect information being reported on my credit report which is inaccurate
Product: Student loan

Account servicer University Accounting Service XXXX XXXX # XXXX XXXX reported that I had a past due loan amount. I have been paying on autopay for the past year, paying {$50.00} extra per month. There was not, and has never been, a past due amount in the amount stated. Calling the company, ( a ) I was hung up on twice, ( b ) I waited on hold for more than 30 minutes, and ( c ) when I finally reached someone, I was told to " simply disregard '' the past due amount on the most recent statement. 

My concern is that this servicer 's error has affected many more borrowers than myself. It is unethical ( and potentially illegal ) to report that borrowers are PAST DUE on their accounts. It is inconceivable that I would be past due when my payments were posted and I had been paying extra for many months, even a cursory glance at my account would have shown no past due amount. 

Similarly, the servicer reported that my last payment was {$10.00}, when in fact it was {$160.00}. To the best of my knowledge, no payment for {$10.00} was ever made. 

I am yet to receive confirmation in writing that I have no past due amount, and I would like a regulator to look into this company 's practices.
Product: Debt collection

I am an attorney employed with XXXX XXXX XXXX XXXX. Since my employment began here in XXXX XXXX, I have been receiving calls on my direct work line from Cochren, Bailey & Associates LLC, a debt collection firm, looking for an individual named XXXX XXXX. These calls threaten criminal and legal action against XXXX for a debt. XXXX is not an employee with XXXX. I have no affiliation with XXXX in any way. I have repeatedly advised Cochren Bailey that I do not know this individual, and that she is not an employee of XXXX. 

On XXXX/XXXX/XXXX, I sent a letter to Cochren Bailey ( with read receipt requested, which was done ), advised Cochren Bailey that they are and continue to be in violation of the FDCPA. 

I also filed a complaint with the XXXX ( Complaint ID # : XXXX ), wherein Cochren Bailey admitted, in response to my complaint, that they called my work number, and would not do it again. 

Since the date of the XXXX complaint, I have received three more telephone calls from Cochren Bailey looking for XXXX XXXX. 

XXXX/XXXX/XXXX ( I answered the call and against advised this office they are in violation of the FDCPA and that I do not know XXXX XXXX ). 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message. 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old woman who is continuously badgered by Phoenix recovery group who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take care of a small child and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.