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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.SXXXX Code 1681b In general. Subject to subsection ( e ), any consumer-reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
ALL of The following inquiries listed below are unauthorized and need to be DELETED ASAP : XXXX XXXX XXXX XXXX , XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX  XXXX, XXXX XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : Apr XXXX, XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to inquire on rates and my options with XXXX XXXX XXXX XXXX and without my knowledge, they did a hard inquiry on my credit report. I never authorized it nor was I informed that they would be doing an inquiry on me. I got a text from XXXX XXXX informing me that I had had a hard inquiry on my account.
Product: Credit reporting or other personal consumer reports

Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX equifax XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention
Product: Checking or savings account

I purchased {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX then between XX/XX/XXXX and XX/XX/XXXX I was charged six more times only the one charge was authorized I tried emailing and calling the merchant and then I filed a dispute with Citi card Citibank was looking into it I called them again on XX/XX/XXXX and then on XX/XX/XXXX on XX/XX/XXXX they told me they found my dispute in favor of the merchant I did not make the other six charges I sent the receipt for the one charge along with the signed letter and they are saying there's nothing I can do
Product: Debt collection

For quite some number of months now. This company called portfolio recovery associates LLC. Has been calling repeatedly each day. Sometimes every day, at which point I block them, but, they have so many numerous numbers that it became egregious and annoying, distracting and life-altering that I finally broke down and called them Back. They say I owe for credit card. I've never had a credit card and nobody in their right mind would give me credit. I don't own anything I have nothing. I Never have and recently went from homeless to living in somebody else 's garage and to the best of my knowledge. There's no way I could owe anybody Since I've never had a credit Card or loans. I certainly have never owned property or anything of real physical assets. I don't do what everybody else gets to do, I have a little bit of a XXXX. 
And the government hates me. 
Or something.
Product: Bank account or service

I paid my cell phone bill online using my debit card on XXXX XXXX, 2015. My available balance reflected this being paid, I budget very carefully these days. Fast forward a couple of weeks later, and my account balance is almost {$300.00} negative. This is from XXXX overdraft fees in the amount of {$35.00} assessed to my account, and other charges Wells Fargo is stating I over-drafted on. I did not knowingly overdraft my bank account. I called Wells Fargo 's customer service today, XXXX XXXX and spoke with a representative named XXXX. She stated that when I paid my bill to XXXX XXXX XXXX, I had an available balance of around {$420.00}. Apparently, when I paid that {$110.00} to XXXX XXXX XXXX and my balance reflected it being taken out, at some point the next day XXXX XXXX XXXX put the money back in to my bank account, but then took it out again a few days later. According to her this is part of the process with pre-authorizations and posting and such. I understand that certain companies charge debit cards that way, but my complaint stems from that " deposit '' that XXXX XXXX XXXX supposedly making back into my bank account not showing up anywhere in my statement, or online. My online account with Wells Fargo AND XXXX XXXX XXXX reflected that amount being paid. After I paid my bill I went on to pay for other expenses, believing myself to still be within my budget. According to XXXX with Wells Fargo, because of this magical 'deposit ' that XXXX XXXX XXXX supposedly made back into my bank account, I overspent by {$22.00} total because apparently the funds were made available to me again. There were several other charges that I was assessed overdraft fees for, and I still do not understand how. At no point in time when monitoring my online account, or anywhere in my bank statements does it reflect a deposit being made back into my account for that dollar amount. How was I supposed to know? When I was speaking with XXXX on the phone, she advised me that information regarding the way that pre-authorizations affect your available balance was not anywhere in the visa card holder agreement, or on their website. ( I checked the website myself after getting off the phone, and she was correct ) I feel that the information on this should have been made available to me at some point in time to avoid having to pay hundreds of dollars in overdraft fees. In not having that information readily available to its consumers, Wells Fargo is purposefully setting us up to possibly over-drafting our accounts in error and subsequently being charged at least XXXX {$35.00} fee, or in my case XXXX fees of that amount so they can profit off of not properly informing it 's customers. This is a deceitful business practice. Banking with Wells Fargo has been a complete nightmare. I know that everything I have typed here may sound a little confusing, I 'm a little flustered at the moment. Please reach out to me with any clarifying questions you may have. Thank you.
Product: Checking or savings account

I deposited XXXX {$1000.00} money orders earlier today. A few of them are older than 6 months which caused Wells Fargo to put a hold on them to verify the funds ( I'm familiar with this process ). However Wells Fargo took {$1000.00} out of my account ( making it negative ) until they clear the hold XXXX of the money orders. I dont understand how this is legal?
Product: Consumer Loan

On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.
Product: Mortgage

When I re-finance my house with another company, Wells Fargo over charged fees, interest and kept money from my scroll regarding insurance and taxes. I called Wells Fargo and the response I got was that any money due to me was going to be paid under their discretion and there was nothing I could do.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Experian account number XXXX. Experian denied following up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc. }. Experian violates my rights as a consumer, as well as federal laws
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : TD BANK USA/TARGETCRED XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding a matter of significant concern regarding the violation of the Privacy Act of 1974, specifically section 1681b of Title 15 of the United States Code ( 15 USC 1681b ).

As per my recent interactions with your organization, My privacy rights under the aforementioned statute may have been violated. Specifically, I have not given you consent or authorization to add anything to my consumer report. This is a violation of the Fair Credit Reporting Act and a violation of your fiduciary duties. As stated in your from XXXX that you sent the SEC " Violation of FCRA can result in civil and criminal penalties. The law contains an attorney fee shifting provision to provide an incentive to consumers to bring individual or class action lawsuits against a consumer reporting agency for violations of FCRA. Regulatory enforcement of FCRA is under the purview of the FTC, the CFPB and state attorneys general, acting alone or in concert with one another. '' You must perform your fiduciary duties. Items that have been removed are attached to the documents in this complaint Upon review of the relevant provisions of the Privacy Act and associated regulations, I am compelled to request immediate action to address this matter and seek restitution for any damages incurred as a result of this violation. Pursuant to section 1681n of Title 15 of the United States Code ( 15 USC 1681n ), I am formally requesting compensation in the amount of {$5000.00} for violating of my privacy rights. 

I trust that your organization honor your fiduciary duties under the Privacy Act and will address this matter quickly Furthermore, I demand that you remedy this violation promptly. 

This letter is a formal notice of my intent to pursue legal remedies if necessary to enforce my rights under the Privacy Act and seek appropriate remedy for the harm suffered as a result of the violation and notifying the SEC and IRS of these violations. Please see the attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX
Product: Checking or savings account

I am a XXXX XXXX XXXX  student. I applied for a summer job on-line and I was offered the job appointment, after an interview. I got the letter of appointment for a job with all the terms and conditions. The employer sent me cheque which I went ahead and banked on my account. I never knew they were not genuine. Bank of America heavy handedly and unilateraly closed my account without giving me a hearing or asking me to state my side of the story in a case where I was offered employment on-line which turned out to be a sham job offer. After closing the account, the bank has sent me threatening letters. I am a victim of a sham job offer. And now the bank is victimizing me too. As a result, I have suffered psychologically mental torture due to worry arising from a job I was offered on line. Little did I know it was a fake job offer. This is my first bank account I opened as a student. 

I opened a checking account in XXXX, XXXX. On XX/XX/XXXX I applied for a summer job on XXXX website. I then got an email with a job offer. In the email they stated the roles available, the hourly pay and a link to contact the hiring manager so as to proceed with the interview. The interview was then conducted in the hiring managers chat on XXXXXXXX XXXX I have copies of the appointment letter, emails from the hiring manager and emails from the accounting officer. The cheque of {$2500.00} was sent to me by email to purchase working materials and software i.e. a laptop, printer, scanner and software to do the tasks. They gave a program for training on-line. They told me to bank the cheque on my bank account, which they said would take a few days to mature so they asked me to send {$760.00} to them in order to purchase a XXXX XXXX laptop and software for me as a job requirements, before beginning the training in data entry shortly. 

The first cheque was returned to me by the bank, then I informed the employer. Then he told me in the email message that he would let the accounting officer know and she sent me another cheque of {$980.00} which I went ahead to also deposit via the mobile banking app. The employer kept on emailing me advising me to call the bank and tell them to lift the hold on the cheque.

Little did I know that it was a fraudulent job offer.

I was just like any other XXXX  looking for a job during summer holidays. Unfortunately, it turned out a scam job of which I am the victim. Bank of America should have asked me to tell my side of the story, instead blocked and closed my account without contacting me for explanation. The bank sent me threatening letters to report me to XXXX XXXX XXXX  to block me from opening an account in any bank for up to five years. I feel that this is rather a heavy-handed decision. This a clear threat to my future prospects by the bank without even giving me a hearing or a chance to explain what happened and for the bank to understand the fake world we live in out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$730.00}, XXXX XXXX Date Opened : XX/XX/16 Balance : {$350.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
Product: Debt collection

I received a letter from Diversified Consultants, Inc dated XXXX/XXXX/XXXX attempting to collect a debt from XXXX in the amount of XXXX. This is the second attempt from a company claiming to be debt collections based on a debt I DO NOT OWE because after the first attempt from XXXX XXXX XXXX, I had already confirmed with XXXX that NO such debt exists. Diversified Consultants, Inc kept trying to call me multiple time daily over the past month until finally on XXXX/XXXX/XXXX around XXXX XXXX I returned their call. I tried to explain to them that the debt is not owed but they were adamant that it was and offered me a settlement offer ( only if I gave my card information over the phone ) at a bit of a discount. When I refused, the person at the other end of the line became hostile, pressuring me " Why? Why not? '' and although profanity was not used, the tone changed and he became quite unprofessional, going so far as to mock me for saying that I wanted to be able to pay the settlement price online, stating that it can only be done over the phone. I only asked to test this person, but I am confident through my conversations with XXXX that I have no debt. I have paid all my debt through XXXX online, promptly, since I can remember. 

As an aside, each time they call they NEVER leave a voicemail and always call from different numbers. Even though the number stated on the bill is XXXX, I have received calls from the following ( to name a few ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.
Product: Debt collection

They continuously call every single day. They call XXXX times a day at all hours of the day. Sometimes it 's minutes after XXXX and there have even been a few after XXXX. They call when I 'm at interviews, doctors appointments, etc. I ca n't even take a nap because they keep calling. I was told that I could contact them once I was able to discuss a payment plan and I even asked then several times to stop calling me but they do n't. The harassment is stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$2900.00} Capital One Bank Usa XXXX Open Date XX/XX/2010 Balance {$1800.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.