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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXnquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I had XXXX as my internet provider but shared a phone account with my daughter through a different provider. I'm retired on a fixed income, XXXX XXXX XXXX XXXX sent me a letter ( attached ) announcing the end of the Affordable Connectivity program through which I was getting internet for {$20.00} per month. The ; etter states I would have to apply for their XXXX XXXXXXXX XXXX which would provide a discount, the details are in the letter. I had to call them because I have never been able to log in to my XXXX account, every time I try I can't so I called and spoke to one of their reps I explained I needed to get into my account to aplt for the discount. They managed to9 log me in to my account and I submitted my application for the discount. Then XXXX sent Another copy of the same letter so as usual i could not log in to my account i called them again went through the entire story again, got into my account and applied for the discount again. Then I received a bill for {$100.00}. I opened an account with a new internet provider the same day and called XXXX the following day to close my account with them. I told them at the time I would pay them {$20.00} and return their modem and that I considered the matter closed. They have been harassing me ever since. The attached documents explain all the details of what happened. Yesterday I received a threatening letter from a debt collector. XXXX left me a message yesterday about the complaint I filed with the FCC, I intend to speak with then tomorrow but I am not willing to dignify the debt collector 's threat with a response I do not want them to have any information. As I state in the letter, I'm old will be dead before much longer and I WILL NOT pay their extortion.
Product: Checking or savings account

I was charged by USAA for a fee because a payment came on the SAME DAY, and AFTER THE PAYCHECK was in there. 

I feel like they are picking on people with XXXX XXXX XXXX, like XXXX. Funny, since they serve a ton of veterans. 

I also have had them deduct two fees for my employer checking if my bank account was working.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to reque
st the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and
appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

-- PERSONAL ACCOUNTS 2. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Car was broken into while at court couldn't take purse or phone in court someone wiped my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be zero 'd out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to make Equifax on X/XX/2017 to get a collection removed from my credit report because the collection agency that my information was given to, was not licensed in the state of Florida to collect a debt at the time. Instead of deleting the collection from my credit report, they disputed it and then sent me an email stating that the company sent over proper documentation to that proves that the debt was mine. My argument is not that the debt is not mine, I am upset that my info was given to a unlicensed company. I do n't feel comfortable sending my money to a company that does not have a license to do so. I would like for Equifax to remove this collection from my credit report.
Product: Credit reporting or other personal consumer reports

I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with XXXX  XXXX anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone
Product: Debt collection

I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows XXXX occasions I was supposedly served on- XXXX of which ( XX/XX/year> ) which is incorrect. I was never served or notified of a bank levy.
Product: Mortgage

In XX/XX/2023 we spoke with Fay servicing to speak about starting to pay our regular mortgage payments. They informed us we needed to pay the entire balance before we could make regular payments. We asked for a modification and started that process. We sent an application into Fay ( XXXX XXXX ) and they asked for bank statements and pay statements, which we provided. Now we are facing foreclosure and need help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I am getting hit with a hard inquiry from Kohls I noticed this on my XXXX XXXX account. I did not authorize any inquire had Khols department store. This was fraud and not authorized by me. I had called Kohls to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a Kohls card.

Kohls had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was fraudulently contracted into a credit card with capital one thinking that I could better my credit situation but that was a mistake, they tell me to send my complaint in writing but still to no avail. I am trying to get a 20K-50K credit limit and they have only approved ONE increase since 2014 with no further information - this is not relationship banking Letter of Denial for Credit Limit Increase
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXX. DPT EDXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit reporting. Wrote a letter to challenge the accuracy of items on my report. 
Details are included in this letter which is uploaded to view.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The creditor is XXXX XXXX - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. Equifax has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.
Product: Credit card or prepaid card

Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XX/XX/2022, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I am XXXX and can XXXX XXXX and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid. 

In their last response, Wells Fargo claims they cooperate with police on investigations. I want proof of what specifically was done wo work with the XXXX XXXX Police on the investigation for the police report I filed. 

No more lies, You can not claim to have worked with the Police Department and still hold me accountble for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the XXXX XXXX  XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 citi bank had a fraudulent inquiry placed on my XXXX credit report. I noticed them the same day this was pulled and they were to remove it- it has been over 60 days and it is still been deleted from credit report- XXXX says XXXX the responsibility of citi bank- Citi bank does nothing about I have disputed this several times
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I do not recognize
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE I.R.S AN UNPAID CHARGE OFF IS INCOME ACCORDING TO THE FCRA INCOME CAN NOT BE REPORTED ON A CREDIT REPORT I'M REQUESTING FOR THE SECOND TIME A 1099-C ( CANCELLATION OF DEBT ) FROM UPSTART SERVICES ACCOUNT # XXXX AFTER CHECKING MY MOST CURRENT REPORT THE UPSTAR LOAN SERVICES THE UPDATED INFORMATION STATES THAT THE ACCOUNT WAS SOLD/TRANSFERRED TO XXXX XXXX  AS OF XXXX XXXX AND THEY ARE THE NEW SERVICER OF THE ACCOUNT. 
THIS ACCOUNT CAN NOT BE REPORTING AS A CHARGE OFF ON MY CREDIT REPORT THE ACCOUNT WAS SOLD/TRANSFERRED TO ANOTHER LENDER PLEASE SEND ME THE 1099-C FORM THANK YOU.
Product: Credit card or prepaid card

I have been a customer of JP Morgan Chase ( Chase ) for over a decade ; however, I got a credit card with them in XXXX, which I did not have any issues with until recently. Recently I paid my credit card balance off in full on XX/XX/XXXX, which was before I due date. Chase charged interest in the amount of {$21.00} on a credit card with no balance due, on XX/XX/XXXX. When I called customer service on this matter on XX/XX/XXXX, at XXXX am est, I was told that it was because I had a balance that I was charged interest due to a daily interest charge. Of course, I told them that the card was paid off in full before the due and interest dates. Therefore, I used the points I accrued to transfer to cash and add to the balance and paid the remaining balance due as of that day minus those point. I informed customer service that I would be canceling the card because it doesn't make any since to charge a customer interest on a zero-balance card. This was not the original terms of our agreement, and I was not informed of any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> around XXXX, a friend posted about XXXX XXXX tickets on her XXXX XXXX I messaged her to see if it was real. Seemed like I was messaging with her. Went to send {$1200.00} with XXXX through our banking app with Chase Bank. Right after sending money. The person said they didn't receive it and it didn't work. Then said someone else already bought the tickets. That's when we figured out her account was hacked and they blocked me. We immediately called our bank to stop the transaction from going through but they said there was nothing they could do at that time. I took screenshots of the messages that have the scammer 's name and phone number. We contacted our bank in the morning they told us there was nothing they could do since we approved the transaction. We filed a police report, a scam report with XXXX, called XXXX  they said talk to our bank. We called the bank again and they said they know where the money was sent to and will call that bank to file a scam report with them and for us to call back later. We did that and then they told us they can't give us any information and that we should seek legal help because it's pretty much a cash transaction that they can't help with yet they told us the other bank was another Chase Bank. We caught this immediately and tried to call minutes after it happened, but have not received any help from them.