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

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : 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 XX/XX/XXXX Experian XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Checking or savings account

So far on two separate occasions, on XX/XX/2019 and XX/XX/2019, I have deposited XXXX and/or XXXX XXXX money orders into my Regions checking account. Both times, I received an email the following morning at XXXX XXXX CST from Regions informing me that my deposit would be placed on hold because Regions has confidential information that indicates that the check may not be paid, even though this is not possible because legitimate XXXX and XXXX XXXX money orders are always paid 100 % of the time. I spoke to the branch manager at a branch in XXXX, XXXX on XXXX  XXXX on XX/XX/XXXX and he told me that I should provide receipts of the purchased money orders so that in the event of a hold placed by the back office, I can prove the checks were legitimate. I have uploaded images of the receipts to four money orders that are currently deposited in my account yet not in the available balance. 

It is obvious that Regions is using this false narrative of confidential information that indicates that the check may not be paid to fraudulently freeze almost {$4000.00} of mine deposited via money orders. These money orders take 1 business day to clear, meaning that Regions already has the money and is earning interest on it. This behavior is unacceptable and is no way to treat a banking client.
Product: Credit card

I am an American Express client since XXXX. I have the Gold XXXX card and the preferred credit cards. During XXXX XXXX, XXXX they sent me an extended payment option for my gold card ( Given the Gold XXXX card it is a charge card, the remaining balance has to be paid at month end with the statement ). The offer also included the XXXX code for my personal offer details. Considering that I am a frequent traveler, I decided to enroll in the promotion, but apparently I could n't do it online. A customer representative told me that I could do it later, so I took her advice and pay my travel spending 's with the Gold Card. 
Week After I kept trying to enroll to register the offer since I was not able to pay the full statement balance at month end. During XXXX XXXX, XXXX I receive an email that apparently the offer was sent by error and I could not benefit from the promotion. Also they were constantly insisting to pay the whole amount even though I tried explain the situation. 
During XXXX XXXX, I contacted XXXX XXXX XXXX ( supervisor ) in efforts to solve the situation. She apologizes for the situation and promised that she will get back to me in 48 hours max, with a solution to this unfortunate misunderstanding. 
At today 's date, ( 6 days later ) I still have n't answer from her or related peers or manager regard the situation. I called this morning and no one is able to locate her or willing to assist me. 
I am very disappointed with this situation and I do n't want to affect me emotional nor economical. 
Please help me remediate this before it keeps affecting me.
Product: Money transfers

1. When I attempted to sell my truck on XXXX, I was contacted by a scam artist who conned me into depositing a phony check for {$4700.00} into my account with the XXXX XXXX XXXX XXXX ( XXXX ) with the intent of me taking {$2500.00} as payment for the truck and sending the rest ( {$2200.00} ) via Money Gram to a person who was supposedly going to pick up and deliver the truck to the buyer 's location. Sometime after I sent him the {$2200.00}, XXXX froze my account because the check was a fake. So, not only did I send {$2200.00} to a crook, I am also getting stuck by XXXX with paying the face amount of the check. My complaint is not so much with Wal-Mart, from whom the Money Gram was purchased ; rather, I wish there were a better way for XXXX to keep criminals from using its website to perpetrate theft. And, of course, I am particularly upset with the individual crook, whose real name I may never know. Details follow. 

2. Towards XX/XX/XXXX / XX/XX/2015, I placed an ad on-line on XXXX to sell my truck. I got a text message on XXXX XXXX 2015 from a person identifying himself only as " XXXX. '' The phone number from which the text appears to originate is XXXX ( XXXX ) XXXX. XXXX asked how much I was selling the vehicle for. I texted him back a price of {$2500.00}. We had various texts back and forth and eventually agreed on the following terms : XXXX would send me a check for {$4700.00}. I would deposit that check into my bank account and take {$2500.00} as payment for the truck. He said that I should take what was left from the check after extracting my payment to WalMart and use XXXX to wire the money ( {$2200.00} ) to his mover, " XXXX XXXX, '' who supposedly resided at the following address : XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX was supposed to pick the truck up and deliver it to XXXX. I discovered that WalMart did not have any XXXX XXXX business, so we agreed that I could use a WalMart Money Gram to send the funds. 

3. On XXXX XXXX 2015, I purchased the Money Gram at the WalMart at XXXX XXXX XXXX XXXX, XXXX, XXXX, WalMart XXXX # XXXXMoney Gram Reference Order # : XXXXThe funds were sent via Money Gram to a WalMart in XXXX, the same day. No further information concerning the recipient WalMart store. 

4. After I sent the funds, I asked XXXX when the truck would be picked up. On XXXX XXXX he sent me a text telling me he 'd let me know. That 's the last I heard from him. 

5. On Friday XXXX XXXX, I attempted to use my XXXX XXXX XXXX XXXX ( XXXX ) XXXX card to buy lunch and it was rejected. I later learned that all my XXXX accounts were frozen & I had a negative balance due to a large, phony check. XXXX said I had to pay the face amount of the phony check. 

6. I reported this incident to the XXXX County Sheriff 's Department and they made a report, but they will not investigate the matter. On XXXX XXXX I reported the fraud to Money Gram, and they said that they would make a report, but they were n't interested in any of the details or in investigating the matter, referring me back to the local police.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXXI saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX
Product: Debt collection

i recently checked my credit report and this account by the name of Portfolio Recov Assoc appeared on my credit report. This account was added without my consent. I have no knowledge of this account. I have no relationship with this company. I have never signed up or asked for credit. This is an unverifiable account. This needs to be removed asap.

Portfolio Recov Assoc Account # XXXX how was balance determined? {$970.00} This account says its been opened on XX/XX/XXXX ive never opened an account with this company last updated XX/XX/XXXX why is this account being updated? 

why are there payment terms on this? 1 month? 

multiple errors on payment history it says i am delinquent on XX/XX/XXXX? 

but shows no data on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous disputes through Equifax regarding the incorrect reporting by XXXX XXXX XXXX. Equifax is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Equifax, they did not do a proper investigation because if they had, they would have found out that XXXX  XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Equifax during my dispute. Still to date, XXXX  XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB onXX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Equifax to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Equifax to remove XXXX  XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX2021 XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX XXXX2021 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit against Experian on XX/XX/year>. I insist you investigate as the FCRA Law requires you. I will explicitly say do not accept the findings of the furnishers who do not provide thorough investigation results. Which, I ask that you provide me with exact details. Please delete disputed information within the required timeline of 30 days or less as set forth per FCRA which is federal law. 

I submitted this item countless times and they return as verified but no evidence of the item being properly investigated. I spoke with XXXX and the court system and Pacer and they have not supplied information to them Please DELETE IMMEDIATELY this public record from my report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX was a school i was attending to online for a month. After the one course was over they decided to update the website and would not work with my XXXX that i just purchased in order to attend school because they said that will work for all classes. Once the update was done i could not attend to any part of the classes, i could not get to any part of the class work or homework. I was unable to take exams. I reached out to them many times to state that this was happening and all they told me was to go purchase a laptop. I decided after that to withdraw from the entire program within their tie period of dropping the program so i do not owe money. They continue to charge me, even when they knew i was not attending. I have also emailed them say i should not be charged because i withdrawn within the appropriate time frame given. From there they sent everything off to collections without proper acknowledgement that that was happening. No phone call, no email, no written statement. I have been trying to get this written off my collections and gone because i have no knowledge of the collection and should not owe a school any type of money.
Product: Debt collection

My mortgage company is not updating the three credit reporting agencies, XXXX, XXXX and XXXX about the status of my payments. Since XX/XX/XXXX, my credit report indicates " No info ''. However, I have made all of my mortgage payments on time and in full since XX/XX/XXXX, thru today. I have sent supporting documentation to the credit reporting agencies for proof. This information was passed along to my mortgage company.
Product: Debt or credit management

up on several request to transunion asking them for verification of inaccurate information on my consumer report of information that i never provided or consent about they never replied until i sent them a pre arbritration letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I kindly request the immediate removal of the following unauthorized inquiries : Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 These inquiries were made without my consent, knowledge, or involvement. I am deeply concerned about the impact they may have on my creditworthiness and overall financial well-being. I assure you that I have taken the necessary steps to address this issue promptly upon discovering the fraudulent activities. 

Allow me to present the following evidence and circumstances surrounding these fraudulent inquiries : 1.Lack of Notification : Despite being a vigilant consumer who regularly monitors their credit report, I regret to inform you that I did not receive any notifications or alerts regarding these unauthorized inquiries. The absence of such notifications has hindered my ability to identify and address these fraudulent activities in a timely manner. 

2.Sophisticated Identity Theft Techniques : The perpetrators of this identity theft have employed sophisticated techniques to conceal their actions and bypass security measures. They may have used advanced hacking methods or acquired my personal information through data breaches, making it extremely challenging for me to detect the fraudulent inquiries. 

3.Legal Rights and Provisions : As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's regulations. According to the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Additionally, the FCRA mandates that credit reporting agencies investigate and correct any inaccuracies or fraudulent activities promptly. I firmly believe that the law is on my side in this matter. 

In light of the aforementioned circumstances and my rights as a consumer, I kindly request that the Consumer Financial Protection Bureau takes immediate action to delete these fraudulent hard inquiries from my TransUnion credit report. Removing these inquiries is crucial to restore the accuracy and integrity of my credit history, ensuring fair access to credit and financial opportunities. 

I have also simultaneously initiated the dispute process with TransUnion by submitting a formal dispute letter to them. However, I believe the involvement of the Consumer Financial Protection Bureau will expedite the resolution of this matter and ensure that justice is served. 

Please find enclosed copies of relevant documents, that may assist in your investigation. I am available and willing to provide any further information or clarification necessary to facilitate the resolution of this case. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your understanding and commitment to consumer protection. 

Yours sincerely, XXXX XXXX
Product: Debt collection

Original creditor was XXXX  XXXX XXXX  in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score
Product: Debt collection

A debt recently appeared on my credit reports from a collection agency called Debt Recovery Solutions for {$530.00}. On the report it only says Loan By Phone. I don't know what this is for and who it is from. This is not my account I never applied for any Loan by phone. 


I called the collection agency and the representative told me he wasn't able to tell me the name of the company but that the loan was taken out in 2018 was all the info he had on the loan. This is not my debt, I have no idea where they got my information from and how they are able to collect on a debt and not know what company it came from.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX stating they have no bankruptcy on file from me XXXX TransUnion continues to say they verified this account with XXXX XXXX is TransUnion verify this account when I have provided a letter from the vendor XXXX XXXX This is my 4th time send this letter
Product: Mortgage

Attempting to find out if I'm effected by the class action law suit against Wells-Fargo on one of my previous mortgages or auto loans
Product: Vehicle loan or lease

A fraudulent loan was issued for a XXXX XXXX XXXX  in XX/XX/XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX 

XXXX XXXX XXXX unit in texas has ruled this account fraud ... see attached document.
Product: Mortgage

On XX/XX/2019, we started process with pre-approval with company A 's loan agent. The whole exchange went smoothly with exchanges of information. I was verbally given a pre-approval was ready to go only to find out a month later in XX/XX/XXXX, The loan agent gave my finance information to a mortgage to a broken without my consent, and undesirable terms.
Product: Bank account or service

I was charged {$72.00} in overdraft fees on XXXX. Last time I called about a fee I asked if my line of credit could be setup on my checking account and to opt me out of overdraft. I was lied to about this and was charged {$72.00} overdraft fees due to this. I am on a fixed income and can not afford to pay these fees due to their mistake. XXXX of the fees was for {$3.00} that should have declined due to being opt out. I never signed a form opting me into overdraft coverage and asked to see if but was told they did n't have it. Please help me get all {$72.00} refunded.