23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX   XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Checking or savings account

I bank with bank of America and this month they really missed my account up and I might get kicked out of my home for what they did with my rent check!! My landlord deposited my rent check in her account on XXXX XXXX, 2017 and it hit my back that evening. Well I get my check on the XXXX ( XXXX ) of the month in the amount of {$2500.00}. Bank of America bounced my rent check on the XX/XX/XXXX and when my deposit it the bank that morning I was over drawn for that rent check of {$1900.00} and some other things. Bank of America took over XXXX dollars out of my checking account to cover all the over drafts. So I ASSUMED after that they the bank PAID my rent check?? WHY ELSE WOULD THE Bank of America take the funds from my account? So now on the XX/XX/XXXX I check my checking account and to my surprise BANK OF AMERICA DEPOSITED THE XXXX FUNDS BACK INTO MY ACCOUNT???? My rent check bounced and I had to call my landlord. I went and got a XXXX dollar money order and sent it to my landlord. I called the bank and they have no answer for me.. Now that check and every other bill I have going thru this account will be over drawn. I 'm so sick of the way Bank of America has done what ever they please with you funds. They move yours funds around to make sure you over draw and those fees add up fast. I live on a fixed income. That 's how the banks get you. The banks know you have no funds to cover any of their fees until the next check.. Very disrespectful. XXXX XXXX email : XXXXXXXXXXXX address XXXX XXXX XXXX, XXXX, De. XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XXXX of XXXX, i had a major home repair that was unexpected. My well on the property was found to have run dry, and resulted in me having to find a way to pay XXXX XXXX dollars to provide myself and my family the most essential resource to survive. Since then, i have been trying my hardest to dig out of that debt, all while dealing With the hardships that affect many americans resulting from XXXX. Since that point, i have worked hard, long hours at my current job in XXXX. I have furthered myself in my job, and lost countless hours with my family as many people have just trying to make ends meet. PNC has not helped in any sort of way to help me get back on track. Charging me {$140.00} in overdraft fees in XXXX, and a whopping {$720.00} in XXXX. I was not the most finacially literate person, and on numerous times overdrafted the account just to be able to survive. On XX/XX/XXXX, PNC offered to reimburse a measely {$140.00} out of the {$860.00} i have paid them in overdraft fees. I don't believe this helps anybody dig out of a hole. I am attempting to get together an itemized list of the overdrafts, and will send you them at your request. Thank you for your time in this matter, and i hope to get back on track.
Product: Credit card

I received Courtesy call from Capital One on XX/XX/2017 at XXXX.I was informed that I was speaking to Customer Service , Representative-XXXX, EID # XXXX. I was confused in receiving a courtesy call concerning, a late payment of {$58.00}. When I paid, a payment of XXXX on XX/XX/2017. At time of making this payment, I asked the customer service representative-XXXX when are the payments due. XXXX stated XXXX of every month, beginning XX/XX/2017 in the payments amount of {$25.00}. However, I received Capital One Card on XX/XX/2017. I begin using the card in month of XX/XX/2017. I applied for this card in rebuilding of my credit, so making my payments, correctly and on time is very important to me, in establishing my credit. Anyhow, I received conflicting information from XXXX, stating a payment of {$25.00} was due in XX/XX/2017. I stated a payment was paid of XXXX on XX/XX/2017. Then XXXX, stated a balance of {$8.00} and missed payment of XXXX for XX/XX/2017, plus payment of XXXX ( increase payment due transactions applied in XX/XX/2017, in reaching my card limit of {$300.00}, with a later fees of {$11.00}? ) .I immediately, ask to speak to supervisor. I was on hold for 5-10 minutes, I then was introduce to a supervisor, name ; XXXX, EDI # XXXX. XXXX, stated conflicting information from XXXX. XXXX stated the payment made on XX/XX/2017 of {$50.00} did n't go through and was therefore a missed payment also, no payment was due for month of XXXX? The payment was paid by Master Card/Debit Card through XXXX Prepaid Master Card. This is card reflects, my direct deposit and where my semi-monthly pay checks are deposit. I get paid on the XXXX and XXXX of each month. Therefore, the funds for payment of {$50.00} was in the account. I asked, why am I being notified on XX/XX/2017 about the {$50.00} missed payment. I was given, a poor excuse of a business practice and customer service, due to billing cycle, the missed payment was register on XX/XX/2017. As a problem with payment, then the account was place in call dailer to contact me with courtesy call. Concerning, my payments being 7 days pass due, however within 30 days of not being reported to credit bureaus. I informed XXXX, again this is poor business practice and unsatisfactory customer service. At least, Customer Service and Supervisor, should have the same information to be reviewed and stated to customers. I am sadly, disappointed with Capital One. I 'm requesting this matter be reviewed and addressed, so know one else will become a PREY in wanting to rebuild and establish a better life by being credit worthy. My Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX my credit score was a XXXX. I applied for credit in the year XXXX and was rejected with a XXXX credit score. I obtained a rental apartment and have been paying rent for two years. I have not applied for any forms of new credit during my two years renting at my apartment. Today, XX/XX/XXXX, I applied for a XXXX XXXX  XXXX XXXX and was denied with reason my credit score is a XXXX. I am complaining to the credit bureaus that they keep dropping my credit consumer score to very low levels. This is not the first time my credit score dropped very low and each time I work very hard to reestablish my credit image. I work very hard to reestablish my credit image and when I am not paying attention to my credit score, then i find out that my credit score has dropped again. There is no reason why the credit score should drop ; in fact, my score should be increasing with my rental payments. This is psychological abuse of character and defamation of financial image. I realize my credit score can not grow because the bureaus keep dropping my credit score to crippling unreasonable score levels. I am born in America and a citizen of this country but my credit score is that of a foreigner who has just arrived at this country and is a student. I have almost XXXX years of credit history in America. I am shocked to learn that in XXXX  XXXX years as an XXXX citizen my credit score is a XXXX. When will this attack stop!
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX klarna sent an email saying they were going to charge for an order through XXXX. I looked at my XXXX shopping cart the order was still in there. I tried 3 times to speak to someone at klarna every time they said it was fraud. I contacted XXXX they said there was never an order for the items. So I finally went to my bank to dispute the charges. My bank returned the money then I started receiving texts/emails from XXXX trying to collect for klarna. And I still owe klarna XXXX but in the app now it says I owe XXXX. My card was canceled because of the dispute but I don't want klarna to take out mor than what I actually borrowed
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX  {$1300.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX  XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}
Product: Debt collection

I am writing to report Portfolio Associates for harassment and making threatening statements. 

On XXXX XXXX, XXXX, I received a call on my home phone but did not recognize the number. I called back and found it was Portfolio Associates calling about a debt which is more than 12 years old. The debt was disputed but never resolved and since has been expunged from my credit history. I explained to the representative ( I believe her name was XXXX ) I was not going to pay the debt and instructed her to place a " do not call '' on my account. XXXX stated she would do that. Since that time, I have continued to receive several calls a week. Many of them placed twice on the same day. I have a record in my caller ID log. 

On XXXX XXXX, XXXX, I sent a registered letter to XXXX XXXX, Human Resources Director. I told XXXX XXXX I did not want any further communication from Portfolio Associates ( mail or telephone ). The letter was delivered on XXXX/XXXX/XXXX. I have delivery verification. 

After the letter was received, several more calls have been placed to me. What they are doing is phoning under an ID which does not specify Portfolio Recovery. I do not answer the phone then call them back and it is Recovery Portfolio. On XXXX XXXX, XXXX, at XXXX XXXX the ID listed XXXX XXXX XXXX at XXXX XXXX XXXX. I spoke to a representative. I told her I was not to receive any more calls and she tried to argue with me but I hung up. On XXXX XXXX, XXXX at XXXX XXXX the ID listed the caller as XXXX at XXXX XXXX XXXX. I called back and could not understand the representative 's name. I told her I have written a letter stating I am not to be contacted in any way, shape or form. The representative looked up my account and stated there were not any notes on it saying to not call me. I explained I do not owe the debt and the representative asked if I had paid the debt with XXXX XXXX to which I replied it was irrelevant. I told the representative I filed a complaint with the FCC and what they are doing is considered harassment. She stated she would send a notice to the dispute department. 

On XXXX XXXX, XXXX, I received a call from XXXX, XXXX at XXXX XXXX : XXXX XXXX XXXX. The representative identified himself as being from Portfolio Recovery. He stated he is trying to collect an old debt and read a disclaimer stating I can be sued in court. I told him this is the 4th time I have stated I do not want any calls. Further I explained I sent a registered letter which was received. The representative stated it is not in the system. This is precisely what the representative on XXXX XXXX stated. The letter was written on XXXX/XXXX/XXXX and received on XXXX/XXXX/XXXX. 

I wish to file a formal complaint against Portfolio Recovery for harassment and threatening to sue me for a disputed debt more than 12 years old which I do not owe. I am unfamiliar with this process and would appreciate notice of how I am to proceed. 

Thank you for your time with this. 

XXXX XXXX
Product: Consumer Loan

United Auto Credit has called me multiple times within a  10  minute timeframe.   They are leavening multiple voicemail messages in the same day ; sometime s 15  minutes apart. This will happen even when I 'm onl y one d ay past due.   They are calling any people I am acquainted with and implying that I have a past due debt with them. This is harassing behavior and I need it to stop immediately. I also want to seek action against them.
Product: Consumer Loan

On  XXXX / XXXX /  XXXX   I obtained my credit report pulled by   XXXX   XXXX   XXXX   in order to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  Credit Acceptance.  I have emailed, mailed, called, and faxed correspondence in regards to seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company in regards to this account.
Product: Mortgage

My wife and I have been attempting to work with Mr Cooper home loans to reinstate a property located INXXXX XXXX Georgia XXXX. We have been flat out lied too after sending in several thousands of dollars in payments and a wire transfer on XX/XX/2018. Now the company claims they need more money and fees to settle the account after telling us that the amount would cover the reinstatement. We have been lied too and mislead by this lender during this horrible process but have attempted to do the right thing in order to save our home. They give us the run around and we will call back, or we are checking with the attorneys office. 

I am at at impasse and we need help to protect us and others from a lender that does not have the best interest of anyone but their bottom line in mind. 

Thank You XXXX & XXXX XXXX
Product: Debt collection

Name : XXXX XXXX Address Line XXXX XXXX XXXX  XXXX Ga XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XX/XX/2023 {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting and Unlawful Inquiry To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my TransUnion and Equifax credit reports. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting an immediate investigation and removal of the following erroneous and unauthorized entries : XXXX. XXXX XXXX - Unlawful Reporting of a Charge-Off Creditor : XXXXXXXX XXXX Date Added to Report : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Credit Bureaus Affected : TransUnion, Equifax Per FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ( a ) ( 4 ) ), derogatory accounts, including charge-offs, may not be reported for more than seven years plus 180 days from the date of first delinquency. Since the original charge-off occurred on XX/XX/XXXX, the reporting period expired in XX/XX/XXXX. Therefore, this account should have been permanently deleted and its reappearance is a clear violation of federal law. 
I demand the immediate removal of this outdated and inaccurate entry from my credit reports. 
2. XXXX XXXX - Unlawful Hard Inquiry on Equifax Date of Inquiry : XX/XX/XXXX Credit Bureau Affected : Equifax XXXX XXXX made an unauthorized inquiry on my XXXX report without my express written consent, violating FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ). Since I did not apply for credit, authorize, or initiate any business transaction with XXXX XXXX, they had no permissible purpose to access my credit report. 
As per FCRA 604 ( c ) ( 3 ), a hard inquiry requires my explicit authorization, which was never provided. This constitutes a violation of my rights, and I demand the immediate removal of this inquiry from my Equifax credit report. 
Action Requested Pursuant to FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I formally request : 1. The immediate deletion of the unlawfully reinserted charge-off from my TransUnion and Equifax credit reports. 
2. The immediate deletion of the unauthorized Equifax inquiry from my report. 
3. Written confirmation of these removals within 30 days, as required by the FCRA. 
Notice of Intent to File Complaint If these inaccurate and unlawful entries are not removed within the 30-day timeframe, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am prepared to seek legal remedies, including statutory damages for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 
Attachments I have enclosed copies of my credit report with the disputed items highlighted. 
Please investigate and correct these violations immediately. I look forward to your written confirmation of these deletions. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent several dispute letters to all XXXX credit bureaus ( Experian, XXXX, XXXX ) in regards to multiple fraudulent accounts negatively affecting my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that were a result of identity theft due to a data breach and they did not remove the accounts. According to the FCRA code 1681 15 USC The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I have never put the address of my girlfriend in ANY website or something. I have never received letters on that address. Today, my GIRLFRIEND received a letter in HER UNCLE HOUSE. Even though I have never put something there. Are they following me? I do not even know her address or put neither on my XXXX account. How they did it? The company is wilber and associates. I feel followed and harrased.
Product: Debt collection

I have contacted USCB several times over the past year that the debt of {$70.00} was the result of identity theft. Police Report was sent to them. They were notified several times by phone and via letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  NA XXXX never mine XXXX  XXXX  XXXX never late XXXX/XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached complaint on the credit report agencies that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.