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

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



EQUIFAX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX XXXXncorrectPersonalEmployers XXXX XXXX XXXX  IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect
Product: Debt collection

The collection is for XXXX XXXX XXXX using collection agency IC System in the amount of {$3400.00}. This collection was disputed on all three bureaus. It had an incorrect amount, incorrect date, and was showing as an open account instead of collection. It was removed from all three. It got put back on using a different collection agency. I talked to XXXX and they said to have the collection blocked so they cant keep putting it back on my report. So far it is only XXXX that it has reappeared. XXXX is disputing to have it removed again. 

Thank you XXXX XXXX
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this debt information, if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it as well as my signature stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Synchrony Bank / GE Care Credit # XXXX, was sold to attorney office against my knowledge in 2018. XXXX XXXX XXXX, PA ; ATTORNEYS AT LAW, held the account and filed court proceedings in the state of Indiana Small Claims Court. The care credit was removed from my credit once placed with attorney office and all of a sudden it reappears on credit report. I asked the lawyer, how did they get my account, when I had no knowledge of account being sold.
Product: Prepaid card

I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, Bank of America and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX Buisness department??.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection agency reporting medical bill due. I did not have XXXX XXXX XXXX XXXX  this year. They show I had XXXX  charge in XX/XX/2023. I did not go to XXXX XXXX and I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to a local used car dealership, " XXXX XXXX. '' I went in with a certain amount of money as I could spend. I had recently had a baby and needed the extra space for my family. I walked into XXXX XXXX filled out an application, brought pay stubs, etc. The guy seemed as though he was fighting to get me in a XXXX XXXX XXXX. I was told that I needed at least XXXX down to get the car, the car was newer than my XXXX XXXX XXXX. I was in desperate need and gave the XXXX dollars of my income tax money to get the car. The car price was around XXXX. When I finally looked over my contract after asking the finance company for a copy of my contract. I called and told them I never received it. They tried sending it a second time which I received via a test email. After, saying she would send it I received a blank email, to which I responded It was blank. I then received a call on XX/XX/XXXX, asking if I was going to reinstate the vehicle after they repossessed, it early morning on XX/XX/XXXX. I started looking at the payments made, and what was owed a total of {$2100.00} for 3 months past due and added {$630.00} to the {$2100.00} which leaves me at a balance of {$3500.00} to get the car back by tomorrow XX/XX/XXXX. I was shocked to see a balance of {$39000.00} on my contract for a XXXX XXXX XXXX. The amount I was financed said {$20000.00}. I was in shock I would have never agreed to that! I don't care. I had a vehicle, why would I put myself in {$40000.00} worth of debt? After calling them and complaining, they could not help me. Here I am now a hard-working mother of XXXX children without a vehicle, and I have kids to drop off as well as work to go to. Please someone just some advice! Also, I live in XXXX XXXX  State and the interest rate I was given was 18.22 % I am just in such shocked people can do this. In this economy! During Covid? When I was a nurse risking my life every day just to find out I was scammed! " PLEASE, I AM BEGGING. '' XXXX XXXX was the loan for the XXXX and Flagship Credit Acceptance for the XXXX.
Product: Mortgage

Well I got behind on some payments cause my truck mess up a few time and they had given to make my payment from the 1 tho the 15 but after the 3 they charge me late feed and they said I had 15 days to pay the monthly payment but they keep adding late feed I just got other job so I can pay try to catch up and with my taxes next year pay all of it the Im behind but they send a letter saying pay all of myth loss o florecosure the house
Product: Debt collection

Dear Sirs My wages are being garnished illegally by Love, Beal, and Nixon representing XXXX XXXX. They began harassing me for debts that was charged off at XXXX department stores. One of their representatives came to my job and left a note with the receptionist about the garnishment trying to intimidate me while working at XXXX college in XXXX. I called the company to explained that I could afford to pay the debt and do not approve of them coming to my job.. They ignored this and sent a representative to my home and let a paper with my sister about paying the debt but did not provide any information about a court date. The situation concerning this garnishment was canceled and appeared on my credit report as paid by XXXX.with a XXXX  balance. 
The Love, Beal, and Nixon debt collection agency representing XXXX XXXX proceeded with another garnishment from a credit card company named XXXX XXXX XXXX which was charge off in XXXX. They began this harassment in XXXX with calls and letters and got a court order to garnished my wages wherever I worked. They began a garnishment at XXXX XXXX in XX/XX/XXXX, where currently work. They did not send a notice to me but sent to the job in XXXX and the XXXX XXXX  did not notify me until 3 days before my payday XX/XX/XXXX, from the payroll office. The XXXX XXXX company did give the information so I could file an exemption. They garnished my bank in XX/XX/XXXX for {$17.00} dollars. I sent an exemption letter to them because they requested this information. I did not have the opportunity to contact the court concerning the latest filing of the garnishment. I make XXXX a hour and taking 25 % per pay period, and I cant afford to pay my bills. I have sick relatives and student loans, car payments and the money they are taking is too detrimental to my making ends meet. I need the money back baly to pay bills. 
XXXX XXXX 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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

XXXX has been non-compliant with removing the unverified account PNC BANK, NA Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that PNC BANK, NA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to AMERICAN EXPRESS ( opened XX/XX/2016 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2023 I went to PNC Bank located at XXXX XXXX XXXX XXXX XXXX IL XXXX to order foreign currency i.e. XXXX XXXX  My goal was to have some cash for tipping for my upcoming trip to XXXX. I was looking to get about {$100.00} USD equivalent of XXXX XXXX I was greeted by the teller that passed me on to the receptionist/greeter to process the transaction. This was odd because this was a teller transaction. 

The receptionist / greeter started to process my transaction and as she was about to submit the {$100.00} USD of XXXX XXXXXXXX the teller who was listening in called out from behind the teller line that PNC does not even process XXXXXXXX XXXX. The receptionist / greeter that was processing the request told her that it is in the system and can be ordered. 

Upon hearing that the teller from behind the teller line started, contradicting her initial statement that XXXX XXXXXXXX is " non standard currency '' and a minimum of {$200.00} USD has to be ordered. I inquired that I was looking only for a {$100.00} USD in XXXX XXXX  mostly for tipping. Upon hearing that the teller looked at her screen and said that its a " non standard currency '' and you have to order a minimum of {$250.00} USD. 

At this point I asked them to please double check as this is the first I am hearing of this that XXXX who is one of the major tourist destinations in the world is considered non standard. I was informed by the teller that she double checked and the minimum has to be {$250.00}. Reluctantly I ordered the {$250.00} USD equivalent of XXXX XXXXXXXX with the receptionist / greeter. 

These limits around ordering a certain minimum amount of foreign currency are no where mentioned on the account disclosures provided ( attachment of account disclosures with this communication ), on the official website of PNC there is a no disclosure or mention of a minimum limit for ordering foreign currency. Snapshot also attached from their website. Here is the link for your reference XXXX XXXX XXXX I feel that I was forced to order more foreign currency than needed so higher amount of profit and markup can be changed as part of the exchange rate. There was no proper disclosure provided to me as a customer at the time of account opening. Nor a disclosure was provided to me that explained these limits of minimum requirements today. I feel this was an Unfair and Deceptive practice. Any reasonable and educated consumer will feel being taken advantage off. Finally, I am also concerned about the Privacy and involvement of this second employee without the request of the employee processing the transaction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA. 

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates Experians legal responsibility to ensure accurate and verified reporting.

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities.

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report. 
Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of the removal of these inquiries and verification of compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 

XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX Inquiry date XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

To whom this may concern, I recently went over my credit report after receiving a credit alert that made me realize I need to look at my credit. After doing so I noticed several issues that I am not aware of. I listed the accounts below that were opened fraudulently and ask that you please help me remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was given forbearance during covid they said absolutely I was have options after covid forbearance I asked them if they r sure cuz they know IAM on XXXX they said no problem rest a sure ur gon na be fine u have multiple options after forbearance they had someone out at my home taking pictures of me scared the XXXX at me an he sat in car when I told him to please leave IAM not well he yelled from his car pay ur bills lady I can't reach point of contact they say THAT he is on the other line or busy with a client an that I been told to pay full amount or lose my home I am in despair I have no where to go my family an husband r XXXX I have no kids I have XXXX types XXXX an a XXXX hip being XXXX  will XXXX me they won't remodify my loan they won't take a extra XXXX on top my monthly payment to pay the forbearance amount in installments they r always telling me lose ur home or pay I terrified by their actions an threats they said I have a court date but won't tell me when an haven't mailed me any court date
Product: Mortgage

In reference to Case number : XXXX closed without an answer. 
Citi sent us a letter denying the request to re-issue the check by stating they did not purchase XXXX and advises us to call XXXX. 
The problem with this is that all of XXXX 's toll-free numbers are owned by Citi and ring Citi 's mortgage units. This clearly shows that Citi purchased XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

I HAVE HAD AN ON GOING ISSUE WITH EQUIFAX NOT DELETING ITEMS OFF MY REPORT ONCE THEY SAY THEY ARE GOING TO THE DELETE THEM AND THEN THERE STILL CURRENTLY REPORTING ON MY CREDIT REPORT. THIS IS HIGHLY UPSETTING ME AND I DONT KNOW WHERE TO TUEN BUT TO YOU GUYS FOR HELP. MY CURRENT ISSUE IS THAT THEY ARE REPORTING A XXXX STUDENT LOAN ACCOUNT THATS NOT EVEN MINES. I HAVE NOT DONE BUSINESS WITH XXXX NOR HAVE I HAD A LOAN WITH THEM AND EQUIFAX REFUSES TO REMOVE THE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT WHICH IS REALLY HENDERING ME IN A NEGATIVE MANNER. I'VE SENT IN CERTIFIED DISPUTE LETTERS TIME AND TIME AGAIN WITH NO REPSONSE AND OR ANY MAILED BACK RESPONSE UPDATED CREDIT REPORTS INDICATING MY RESULTS.
Product: Checking or savings account

I closed my primary checking account with PNC effective XX/XX/XXXX. I received a letter in the mail along with a final statement showing that this account had been formally closed effective XX/XX/XXXX. 

On XX/XX/XXXX, a {$200.00} birthday gift transfer was initiated by a family member 's external bank who did not know my account had been closed. As soon as I realized this error, I called PNC on XX/XX/XXXX and was told by the Customer Service Rep. that the {$200.00} credit was showing as " pending deposit '' but that it would be rejected because " the account had been closed '' and that the funds " should be returned to the initiating bank within 3 business days. '' As of XX/XX/XXXX, the funds had still not been returned to my family 's bank account, so I called PNC to follow up. Per the PNC Customer Service Reps today, PNC accepted the full {$200.00} deposit into the closed account and then issued a refund check which was put in the mail to my home address as of XX/XX/XXXX. When I requested the number of the check which was mailed to me, I was told that check number was not available. They did give me a reference number, but I asked two different reps for the check number and no one was able to provide it. I was told to wait 7-10 business days for this check in the mail. 

I do not understand how money was accepted into an account which was deemed CLOSED in writing earlier this very month, then held for 7 business days prior to attempting to refund it via snail mail without any correspondence to be able to track this check. PNC accepted {$200.00} when they shouldn't have, and then took 7 business days to refund it.
Product: Debt collection

Bankruptcy in XXXX of XXXX. Debt collector did not start calling until XXXX. I have not received no paperwork about this debt. Abusive language was used and person did not listen.