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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted  several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the  completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


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

I have spoken repeatedly with various representatives of EXPERIAN regarding old, outdated, or incorrect inquiries into my EXPERIAN credit file. Specifically, XXXXXXXX XXXX on XX/XX/2018, XXXX ON XX/XX/2018 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2018 made inquiries which ALL need to be deleted ASAP.
Product: Credit reporting or other personal consumer reports

XXXX I received from national debt adjusters forwarded from cashcentral.com show a loan account opened on XX/XX/XXXX. The address used is one I have not lived at since XX/XX/XXXX. The phone number listed was disconnected 8-10 years ago. I did not open this account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I reached out to Bestegg 's team via phone because I was having issues making a payment online. I spoke to an agent and when they verified the address, I agreed it was correct.

However, later in the call, when I was giving the agent the card number, they did not verify that the zipcode on the card, and I do not believe they asked that it was the same. I have 3 addresses on file with them, and the zipcode the agent on the phone entered was incorrect, resulting in an " XXXX rejection. '' Moreover the agent on the phone did not notify me that the payment was denied, nor did I receive any notification via email or any other method.

After giving the agent my new card number and answering their questions, I believed the account was up to date and did not discover the error until over 30 days later. At this point, the account was reported as past due to the credit bureaus.

Bestegg 's customer resolutions team is refusing to admit any wrongdoing on their part, and refusing to adjust the consumer reporting.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on this account ; This account is hurting my ability to obtain credit ; It is my understanding that you will investigate this tem for me to ensure accuracy Here is the tem I am asking you to verify as accurate CREDITOR NAME : XXXX. account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/XXXX, stating Identity theft Notice. So did not know what to do so after researching I'm stating to take action with this identity theft. I had been going in and out of the hospital for sometime now and early XXXX I was XXXX  most of the time and during this period is when I think my identity was stolen because I just checked they are many credit cards opened XXXX after another with some of them having high balances, and I also have a loan under my name around the same time the credit cards started showing up in my credit report.
Product: Debt collection

I checked the credit bureaus and saw 2 different balances which were reported to 2 bureaus but not all 3, the balances are clearly wrong because it's supposed to be all 3 bureaus, the balances are off by a lot
Product: Credit card

I have turned my Wells Fargo Credit Card OFF and stop using it. The interest rate is steadily increasing higher and higher for some unknown reason that I have not been informed of. I purposely turned it off to avoid charges and higher interest rate. This bank keeps adding higher and higher interest rate, which is not what the original agreement was when I signed up for this card. The interest rate should not be increasing if the card is not being used. This is unreasonable and unusual interested. Also, Wells Fargo converted my bank account to who knows what without any warning or notification to me! I still do NOT know the reason for this conversion. This ALL seems like a scam to overcharge! I have no access to secure messaging now at all on there!
Product: Money transfer, virtual currency, or money service

Cash App suspended my access around XXXX of 2021 they advised that I violated policy. They did not advise me as to what policy was violated. I verified my identity as request by cash app management to retain my account. After verifying identity as requested, there was no turn around or information received as to what policy was violated and why my account was suspended. After reviewing the policy for myself, I found no illegitimacy derailing from policy rules/guidelines. 
I filed a complaint with Cashapp the XXXX and FDIC with no resolution. 

I will also file a complaint with XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I got an alert on my phone from my banking app that someone took the following amounts of debits from my family 's checking and savings account with XXXX XXXX  on XX/XX/XXXX. After calling the fraud department from XXXX, they said that Portfolio Recovery Associates took the money as a garnishment for a judgement against me. I have never been contacted or alerted by this company to any debts or money owed. I've only been contacted twice about garnished wages from financial hardships I endured in XXXX from the loss of my job and from family medical issues. Both of those were settled after I was notified of the garnishments. My extended family and employer were receiving harassing phone calls a few months ago about a debt I owed, but that information wasn't passed along to me. Nor did I ever authorize or agree that anyone could call my place of work or my sister, brother, father, and friends that they can discuss any debt on my behalf. Upon talking with my family and coworkers, they said Portfolio threatened to sue me and they discussed I owed them money with my family and co workers. 

Portfolio never alerted me to any debts owed, or collection attempts. On top of that, XXXX of the accounts I had at XXXX were for my XXXX XXXX XXXX daughters work paychecks. Since she is a minor, I opened an account for her to collect her direct deposits from work. 

{$250.00} {$1000.00} {$390.00} {$53.00} {$2800.00} {$75.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C.

1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX  XXXX XXXX - XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit repo These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Money transfer, virtual currency, or money service

My case was dismissed by Cashapp taking my money from my account
Product: Consumer Loan

I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and they have advised they do not give out any information to the Credit Bureau, I have asked Experian to Validate where they gotten their information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now :
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/XXXX I called ProCollect to discuss a letter I received that whet to a wrong address. The collector didnt notify me that the call was recorded until after they had my account pulled up. They didnt have me verify any information to prove I was the consumer. They refused to give me a manager. The collector told me that they report on the first of the month after the account has been there for 30 days which would be XX/XX/XXXX. I advised that I would call back and the collector said that I was refusing to pay even though I told her I wasnt refusing. I called back later on XX/XX/XXXX with a 3rd party on the line. The collector again didnt say the call was recorded until the middle of the call. They refused to let me give permission to speak with the 3rd party. They didnt verify I was the correct person again. They also refused to give me a manager on that call and hung up on me. On XX/XX/XXXX an unauthorized 3rd party called them and said he was my husband. They didnt have him verify to make sure he was an authorized party. The collector then told the unauthorized 3rd party that they reported my account as soon as they got it. They refused him a manager. The collector then proceeded to keep talking over him and wouldnt let him ask questions. The collection agency then called me approximately 3 hours later on XX/XX/XXXX after they already talked to someone about my account.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report this morning and have no idea why they are there. I regularly check my report, but today I noticed discrepancies that weren't present before. Even after refreshing my browser to see if it was a glitch, the inquiries remained. I'm extremely frustrated and need the documents Ive submitted to be thoroughly reviewed so this issue can be resolved immediately and never happen again.
Product: Debt collection

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

Checked my credit report and noticed an inquiry I didn't recognize or initiate called Transunion and was told I need to submit a FTC report with ID and Social and either a letter or bank statement, which I did but they said they could not find it.
Product: Debt collection

On XX/XX/23 Southwest Credit Systems emailed a XXXX bill to an email that was not mine. Luckily, I do know the person that it was incorrectly sent to and they forwarded this on. I feel that this a huge privacy breach. When I spoke to a supervisor at Southwest, she told me there was no way to see how they received the incorrect email address ( whether it originally came from the forwarding company or not ). She updated the information in her system but, as far as I know, that is the only action that was taken.
Product: Debt collection

I had an Apple Card owed XXXX balance o paid of the card last year XXXX. I am getting to understanding that even with the card closed and paid off it is still being reported on my credit asking you would be able assist me with getting this issue sorted out by having them remove the reporting from my credit it is truly harming me i. Total
Product: Debt collection

WestLake Portfolio Management has been calling from multiple numbers since Saturday XX/XX/XXXX! I have requested debt validation from this company and have not heard anything back! They send emails at anytime of the night! They want payment for a debt that I did agree to with them! I signed a contact with XXXX XXXX XXXX, and they are currently in bankruptcy! I do not have a problem paying my debt and I certainly do not want a free car! I paid on the car for over a year and never missed a payment and they are so that that nothing has changed with my contract and that everything is the same! However they are not honoring warranties or repairs as stated in the original contract! They do not have titles and they are calling and demanding payments or telling people that are going to repo! They were sued in 2015 for these exact practices and continue to use these same tactics. They also state that previous payments are not considered so basically starting all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian disputing a collection that has not provided me with proper debt validation, and the last letter was sent to Experian on XX/XX/2023. Until today, XX/XX/2023, I have not received the letter with the results of this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft as a result of a data breach, and the following items on my credit report are fraudulent and unauthorized by me. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7200.00} 3. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3900.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$00.00} XXXX. Creditor Name : XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$510.00} Unauthorized Inquiries : 1. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Mortgage

My home at XXXX XXXX XXXX, XXXX Pa is schedule for Sheriff Sales on XXXX XXXX, 2015. Presently, I 'm in the middle of a refinance modification with " XXXX ''. 
In the past, since Citibank bought my mortgage company XXXX XXXX XXXX XXXX, Citibank has never attempted to work with me. Citibank Foreclosed on me when they had about a year of my mortgage payment that they processed in their possession but Foreclosed on me. I hired and was represented by the law office XXXX XXXX. XXXX XXXX was able to obtain the cashed check from the bank, but his office had to file a XXXX because of a foreclosure sale that was pending with the sheriff. 
I contacted the Pennsylvania Attorney General Office with a certified complaint concerning this matter via certified letter, but to date I have never received a reply from that office. 
In hind sight, I requested a copy of my deed from Citibank and a " '' QWR '', but to date the bank has never acted on my request nor did the bank replied me at any time. During a court hearing in XXXX, pa ( Federal Court ), the lawyers of Citibank were asked by the judge why my request for my " Deed '' / '' QWR '' was not attended to? The Bank Attorney 's replied, " All these documents are being computerized '' physical document are difficult to obtain. 
This on the part of the bank is a justice denied, not only delayed. This action on the part of Citibank also violates purely procedural rules to a level of State law. 
Because of the many constraints that was place on my financial condition among which was nature disaster, with no help in sight, I was encouraged to contact the Justice Department. I contacted the U.S Justice Department. In keeping with the Justice Department recommendations, I 'm contacting your office to kindly ask that you please use the services of your good offices to help me resolve the mortgage matter with Citibank. Citibank is XXXX of the banks that received tax payers like myself tax dollars as bid out money when they claimed to be " needed ''. in addition, Citibank claimed to be a community partner in rebuilding family and community through it 's many loans/ modifications and government program. Yet, I 'm a perfect example among many in my condition of a false publicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. I have received the response that they are unable to validate the debt currently and a subsequent investigation will be open ended with no definitive deadline for validation. As they are unable to validate and prove ownership of this debt I request that this information be deleted from my credit reports as soon as possible