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

ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy 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 XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance 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. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. to delete all information ive listed this data that needs to be removed. this issue needs to be resolved asap. review an delete all information submitted in the files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX ) , XXXX XXXX XXXX , have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Debt collection

In XXXX I was under XXXX XXXX, All credit cards were paid and closed - any balances unpaid were charged off. I also was sick again in XXXX and had XXXX XXXX in XXXX. I have many medical bllls. I also am a single parent of XXXX dependent ( students ). Mortgage in modification, car was repossed although breach of warranty claim filed in XXXX. I have an active lawsuit with XXXX and XXXX against a NJM driver. I was injured on XXXX XXXX XXXX. My car never worked and I could not walk for over 8 months. I lived with the consequences of credit destroyed. Issue is years later I am just making it pay to pay. and BARELY. Some weeks we have no groceries and all medical work with me - utilities have gone up mortgage too taxes - given. Out of nowhere all OLD CHARGED OFF balances haunting me. XXXX XXXX and XXXX XXXX  XXXX XXXX. 
I reached out saying NO not then NOT NOW. I cant pay charged off balances. I can barely make my XXXX follow up - rescheduling constantly as I don't have CO PAY. PLEASE MEDICAL HARDSHIP is ONGOING, Please cease all.
Product: Vehicle loan or lease

After dealing with Hunnington Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called Hunnington that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. 

I have spoke to multiple people now at Hunnington Bank and they all tell me they agree with what happened wasnt right, but they cant change what was reported. 

Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/23 Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Inquiry Deletion Request Pursuant to 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ) Dear Cfpb I am writing to request the immediate removal of unauthorized inquiries from my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, Section 602 ( a ), 15 USC 1681n ( b ), and 15 USC 6802 ( a ) ( b ) ( 1 ). I am aware that, in accordance with these provisions, I am entitled to receive {$1000.00} in damages for each unauthorized inquiry made on my consumer report. 

Upon reviewing my consumer report, I have identified the following unauthorized inquiries that have been made without my consent : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX 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 XXXXXXXX XXXX XXXX. Experian- XXXX These inquiries were conducted without my authorization and do not meet the permissible purpose requirements established by the FCRA XXXX As such, they are in violation of my rights as a consumer. I demand that you remove these unauthorized inquiries from my consumer report immediately. 

Furthermore, I request a thorough investigation into the matter to determine how these unauthorized inquiries were made and why they were allowed to appear on my consumer report. It is imperative that you take appropriate measures to prevent such violations from occurring in the future. 

I am fully aware of my rights under the FCRA and the remedies available to me as a consumer. Pursuant to 15 USC 1681n ( b ) and 15 USC 6802 ( a ) ( b ) ( 1 ), I am entitled to {$1000.00} in damages for each unauthorized inquiry made on my consumer report. I expect prompt compensation for the violations committed. 

Please provide written confirmation once the unauthorized inquiries have been removed from my consumer report. Additionally, I request that you inform me of any further actions taken in relation to this matter. 

I trust that you will handle this request with the urgency and attention it deserves. Failure to comply with the FCRA and address these violations may result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Opened checking account ending in XXXX with promotion code XXXX which promised a bonus of {$500.00} for funding $ XXXX in new money within 30 days of opening and then keeping that balance until day XXXX. All requirements were met but bonus not paid by XX/XX/year> as should have occurred. 

Stopped by branch but wasn't able to get any information. 

A second problem is that the account is still having taxes on interest withheld despite both account holders having certified TINs and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T BELONG TO ME AND GOT NO ANSWER
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX  XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX  XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target -  Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
Product: Mortgage

My payment has always been under {$2100.00}. My XXXX XXXX was for {$5100.00}. The tax bill sent was for the entire parcel of multiple units. I notified Ditech immediately. They basically told be it was my problem. I contacted the XXXX XXXX Tax board and provided Ditech with the contact phone number. I have continued to make {$2100.00} payments. They have not addressed the issue. They are also charging me for insurance with is paid to the association as is customary. They are charging me late fees and reporting my payment late to the reporting agencies. I have talked to several Managers. Most recently XXXX XXXX at ext. XXXX. He has done nothing to help and does not return my calls. This Company seems totally without concern or customer service. I want so bad to get away from this Mortgage Company but they have ruined my credit so I can not refinance.
Product: Credit reporting or other personal consumer reports

Good day! This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX. I would like to reiterate that per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report. My report was filed under reference number XXXX. Attached once again are the necessary documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. According to FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXX XXXX months. The Credit Bureaus has altered my score with the information that my XXXX loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment until XXXX XXXX XXXX
Product: Mortgage

A. I have a mortgage with NewRez LLC B. I also have home owner 's insurance with XXXX C. I have been making my monthly mortgage payments in time D. NewRez LLC informed me that they have taken home owners insurance and billed me for it. 
E. I called them and got XXXX to send them the policy by email and also uploaded the policy F. I paid the mortgage for XXXX on XX/XX/20 and for XXXX on XX/XX/20 G. NewRez kept the money in the suspense account because I did not pay extra money for home insurance taken by them inspite of the fact that the XXXX policy was sent to them multiple times. 
H. NewREz also informed many credt agencies about missing mortgage payments and thus effecting my credit and my attempt to refinance at lower rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian many times XX/XX/2019 to XX/XX/2019 explaining that one of the accounts is not mine showed them documents proving that the account belongs to someone else I was an authorize user but no longer would like this removed but refused or ignored. 

Report Number : XXXX Account Name : XXXX XXXX Account XXXX Balance {$4000.00} This is their response : XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute.
Product: Student loan

I requested a refund on XX/XX/29. I havent receive any updates or answers so I called again on XXXX to get any answers and no one could answer me.
Product: Debt collection

Hi, I stopped using XXXX and return a lot of equipment and did not get the right return for that equipment or adjustment. Also, Stopped using XXXX  in the beginning of a billing cycle and that was not adjusted either. My services should have stopped in early XXXX and I and being charged through XXXX to almost XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAFERENT SOLUTION LLC XX/XX/21 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report
Product: Credit reporting or other personal consumer reports

XXXX  XXXX and XXXX XXXX XXXX XXXX were both reported late. Neither should have. I was advised from XXXX  XXXX because I was on a credit protection since XX/XX/XXXX that didnt go through successfully for good faith I should ask to be remove by a XXXX  XXXX representative. I lost my job in XX/XX/XXXX and just got divorced I have been in a XXXX  XXXX as I was left to care of my XXXX kids alone. I ask now I am on track and trying to move my family away to XXXX  and start over please to remove the late payments. Both accounts are up to date. The balance of XXXX  XXXX is XXXX not sure why its not updated. Please give me hope to move forward with my life as I have been the lowest and just now getting back to having reasons to live. I understand fully the importance of credit and will maintain a positive report moving forward this is a huge hurdle with doing so when I was registered to be protected.
Product: Debt collection

Was sent a letter that this company bought a debt that may or may not be mine.
Product: Credit reporting, credit repair services, 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1400.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & XXXX XXXX XXXX account # XXXX, my rights have been violated. 

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

15 U S C 1681 section 604-A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

Note : XXXX XXXX XXXX has also failed to produce the requested ORIGINAL contract in regards to this collection account.
Product: Checking or savings account

I received a check from an attorney in XXXX for {$5000.00} on XX/XX/XXXX. I went to the First Citizens Bank at XXXX XXXX XXXX XXXX, SC XXXX to deposit the check into my checking account. I used my debit card at the ATM in the drive through lane. I entered the information to deposit the check and inserted the check into the ATM and was waiting for the receipt. A message on the ATM said transaction cancelled, the screen went blank and my check was not returned. I logged in again and checked the balance ... and then went into the bank and spoke to a teller who told me to call the fraud line. I spoke to the bank manager told him what happened and asked him to expedite the matter. 

After numerous phone calls to the fraud line the {$5000.00} was deposited into my checking account on XX/XX/XXXX. Friday, XX/XX/XXXX I received a letter from First Citizens Bank stating that they were unable to verify my claim and would be reversing the {$5000.00} on XX/XX/XXXX. I called the Customer Service number and was told that they denied the claim and that XXXX had confirmed that there was no check found! 

No check was found! How could that possibly be? No check at all. 

So, where am I now... I will have a large negative balance in my checking account and my Pension and Social Security benefits will be consumed by this negative balance. I obviously trusted First Citizens Bank to handle this matter appropriately and yet no check was found. How could that possibly be? Is there something wrong with the ATM machine or human error? My only income is the pension and Social Security and this could drag on for months!!!
Product: Debt collection

The company reached out to me and I told them the debt does not belong to me. I advised that I have not lived at that address since XX/XX/XXXX. I asked for the original documents/contract that I owed the debt. I told them I never received any invoices/bills/correspondes regarding this debit from XXXX, XXXX. 

Name : XXXX XXXX Creditor : XXXX, XXXX Creditor Account No : XXXXXXXX Credence Reference ID : XXXX Balanxd {$570.00} In XX/XX/XXXX another credit reached out to me about this debt. I informed them that I do not owe it and it does not belong to me.