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

My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

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

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

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

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

I respectfully request that the CFPB conduct a thorough investigation into these unauthorized inquiries and ensure their prompt removal if no verifiable authorization documentation exists. I appreciate that my prior complaint with the FTC be considered, as I have not received an adequate response that fulfills my rights under the FCRA. Should this matter remain unresolved, I reserve the right to take additional legal action. 
Thank you for confirming receipt of this complaint and for providing a written response on the progress of the investigation within a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear PORTFOLIO RECOV ASSOC, I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records.

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

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

THIS IS NOT A DUPLICATE COMPLAINT. XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, all three bureaus have reported on this incorrectly. Experian has showed this item either as a Charge Off, or even as being in collections as recently as last month, even though the account has been Closed and Paid In Full since 2016. I have sent a copy of this complaint to National Credit Adjusters, XXXX and XXXX through the Consumer Finance Protection Bureau, and now am sending a copy to Experian, due to being limited to contacting only three companies at a time per complaint.
Product: Checking or savings account

The bank took {$600.00} from my account and when i complained about it they frozen my debit card and im eligible to get a new until XX/XX/XXXX. Im on a fit income for the VA. So its hard accessing my money monthly. This took place around XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took my car to a place to be repaired. I needed a transmission. I applied for credit to get the repairs done and when it was approved and the amount, it did not have the interest rate on the paper at the time. I had no idea what the interest fee would be until my car was repaired and ready to be picked up and then I noticed that it was at 130 %. The total price for repairs were XXXX in which my credit was only XXXX, and its financed for 24 months @ $ XXXX  monthly. I will be paid back over {$6000.00} by the end of the 24 months. My credit was not perfect but this amount is ridiculous, and they do not disclose the interest rate until after the car is completely repaired because they know SOME people need their transportation, and this allows repairs to be done in a way that seems easier for people with not so perfect credit.
Product: Credit reporting or other personal consumer reports

This company is furnishing there information on my report and I dont know who this. Company is not do I do any type of business with or ever have done business with this company idk how there on my credit report giving me a hardship
Product: Credit reporting

Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs..
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and US Bank in order to get the issues cleared up. US Bank has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, US Bank seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet US Bank ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Product: Debt collection

I received an email stating that I could resolve my debt with senseless through XX/XX/XXXXfor the amount of {$42.00} As they represented this as the amount owed to clear total debt balance with sezzle I paid it. Then they keep trying to collect for the same company, different amount of balance spamming the same communication style. Its falsely misrepresenting the actual debt owed by using these tactics to collect on a debt. Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt and I believe this falls under the protection of these laws.
Product: Student loan

I signed up with service with Ameritech services in XXXX, 2017 so they could look into consolidating my loans under the Public Loan Service forgiveness program. I provided tax information, check stubs, income based repayment plan, public loan service documentation and other pertinent paperwork they said they needed to get me a fixed rate for my student loans. Ameritech said they would get all the information set up I would have to pay a fee to start the process and then additional money each month. I paid over {$600.00} for there services and they never processed the paperwork to XXXX   XXXX XXXX. They processed it to another company that indicated they do not handle Public Loan forgiveness and that I would have to get it set up through XXXX XXXX XXXX  on my own. I finally cancelled their service in XXXX, or XXXX 2017 after not receiving any information from loan providers that they received any documents by XXXX   XXXX XXXX. When I spoke with the person with Ameritech at that time they indicated they were not going refund me for there services as they felt they did there job. I spent months and months trying to get things set up racking up interest fees. Ameritech told me that they were going provide this paperwork to that provider and get me a set fee on my loans which was not true. That information was a lie and they scammed me. I eventually had to call XXXX XXXX XXXX and they indicated to me that I could have contacted them on my own and that many of these places like Ameritech scam people into paying money for services when it is something I could set up for myself. Ameritech never provided the services they committed to and at the end I am paying more monthly out of my pocket. I am upset with myself for trusting in this service providing personal information to them and never receiving any recourse or action for what they said they were going to do. I am asking to be reimbursed for all the fees I had to pay as well as the interest rates that were included for all the time I wasted when I could have set this service up on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed my dismissed bk from XXXX and they 've deleted it! But it 's still being reported by these two CB ( TransunionXXXX ) ... Attached to this is proof that this was deleted as of XXXX XXXX 2017. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the other hard inquires XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with Transunion , XXXX and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit one and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX/XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Checking or savings account

On XX/XX/2020, I opened a Chase Total Checking Account. On XX/XX/2020, I set up a direct deposit to my account from my employer to take advantage of a promotional offer of {$200.00} for a new Chase Total Checking Account with a direct deposit set up. However, when I opened my account with Chase, the webpage timed out and removed the promotion coupon from my application, without my knowledge. On XX/XX/2020, I spoke with a Chase Customer Service Representative, and they proceeded to tell me I did not qualify for the promotion.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX  as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Mortgage

Due to the pandemic, my hours were cut at work and I learned from my mortgage company that I could forebear my payments and keep my home, so I did. But on XX/XX/2022, I received a letter from my mortgage company indicating that I had a surplus in escrow in the amount of {$1800.00} but that due to the delinquent status of my account, they would be retaining my surplus. I called them to dispute this matter but was never called back. A few months passed by and I was able to start working full time again and informed my mortgage company that I wanted to end the forbearance plan and resume making my mortgage payments and immediately a package arrived for me to sign all the papers needed to push all funds owed under the forbearance to the back of my loan, that was notarized and sent in and around XX/XX/2022, I received email notification that all payments had been made and my loan was caught up to date. So, I then called the mortgage company about my surplus, asking for it to be released to me. The representative said, yes, this would take about 3 business days and I should receive a check in the mail. I never did and when I called back and spoke to a different representative, I was told that an investigation would need to take place and the next letter I received indicated that I owed XXXX or that my new mortgage amount would go up from {$1400.00} to XXXX per month ; this email was sent to me on XX/XX/2022. 
I have a serious concern that wrong doings have happened to me and need an external advocate, hence I am writing to you. 
Please assist me, for something is wrong within this company. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Today Experian dropped my XXXX score XXXX from XXXX to XXXX because I do not have credit card balances. It showed my credit card utilization at XXXX, even though I use my cards every month I also pay what I owe every month, isnt that called having good credit? However, Experian decides to punish me for it instead. Can you please repair this unfair practice? Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX account on my credit report that does not belong to me. I recieved letter back from XXXX stating the account does not belong to me. This dispute is to experian and equifax. XXXX has verified my dispute as information coming from the same source. Thus there reporting also needs to be the same. see document attached to prove my case.
Product: Debt collection

This company has threatened legal action. This company took money from my bank account UNAUTHORIZED, meaning they STOLE from me! The " VP of Operations, '' XXXX XXXX. I was bullied into making a few payments, then when I did not pay XXXX XXXX threatened legal action. He told me I was wrong for the things his employees told me. XXXX XXXX would go back and forth with me about making a settlement. When I wouldn't pay he would yell at me saying " I'm cancelling all your payments and you don't get a settlement! '' Very immature to say the least. After speaking to him the last time I realized I never received anything stating my debt, stupid on my part. XXXX XXXX threatened me with legal action. XXXX XXXX took money from my bank account UNAUTHORIZED. He STOLE money from me. This company has broken the FDPCA NUMEROUS times and I will not stand for it.
Product: Debt collection

This account was closed by my request. There should be no debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO XXXX  AND EQUIFAX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... XXXX  AND EQUIFAX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT
Product: Mortgage

Dear CFPB, On XX/XX/2023 I mailed a check of US {$2000.00} with a letter to my mortgage company Selene Financial to put to my principal balance only. On my XXXX statement I found out they did not carry out my wishes. Not only did they misappropriate my money but they added a late payment fee of US {$31.00} ( this rescinded after a call ). Please note my account is on automatic payment from start of my loan. 

For three weeks and counting I have made many calls to the company. Only excuses and promises given to me and the issue has not been resolved. Please help me get this issue sorted out as soon as possible because SELENE Financial is getting my monthly payments on time. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Say I have a debt, but this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint Transunion advised that they have updated dispute account info, but nothing has actually changed. Therefore, please re-investigate and delete ( not update ) the following accounts as the last payments on these accounts were made more than 7 years ago : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The following account was opened on my credit report years ago and they have yet to prove this account was opened by me. I have no recollection and know for a fact that it is not my account. 
XXXX XXXX XXXX ( XXXX, 2022 ) - {$1400.00} Also there is an un authorize credit inquiry by XXXX XXXX  that was not authorizer that needs to be removed as well. This happened recently when I opened my XXXX XXXX account but never authorize anyone to run my credit for any reason and was advised that it wouldn't be ran.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its 's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX Account number XXXX