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

I am writing to dispute several unauthorized inquiries on my credit report. Upon reviewing my credit report from your bureau on [ XX/XX/XXXXXXXX  ], I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit with these companies, nor have I authorized these inquiries. I believe these inquiries are fraudulent and may be the result of identity theft. 

I kindly request that you investigate these inquiries and remove them from my credit report. Please provide me with a written confirmation once the inquiries have been removed. If you find that these inquiries are valid, please send me proof of authorization along with a description of your investigation procedures within 30 days of the closure of this dispute. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX, five years after successfully completing my payment plan. On XX/XX/XXXX, I was expecting my acct XXXX with Specialized Loan Service to show as follows : Acct Status- Open with payment being applied and a balance for {$5400.00} but rather it shows {$0.00} balance with a status -Included with Bankruptcy. I have been told that this was due to a delinquent for XX/XX/XXXX. On XX/XX/XXXX, Specialized Loan Service issued an alert to close the Chapter XXXX Bankruptcy and opened a NEW on which added 7 more years. I have called and sent numerous letters. I will attached the documentation to this complaint that clearly disputes this including my Payment History since XXXX which show NO DELIQUENCIES!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log on to my Equifax account to view my credit file as I have a credit hold and the phone number information is apparently incorrect on the file. We dropped our home home several years ago. I was asked to provide information from my credit report to verify that I was who I said I was. The problem is I can't get a credit report if they have my online account locked out. So they say I missed a question. I tried again using my experian credit report and was still told I did not answer the questions correctly. After talking to a supervisor my only option was to fax in my information, which with no land line and during a pandemic I am not leaving my home, which has no land line. Or I could mail copies of my passport and drivers license into them which I refuse to do as they are confidential information I will not copy and mail to them. So how can I answer questions from a credit file that they won't let me see .... 

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

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021
Product: Debt collection

Under 15 USC 1681 ( e ) B this account is ran as a XXXX XXXX but I never received any of XXXX cancellation of XXXX form and because of that this account is inaccurate and has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I was the victim of identity theft and am unable to get a response from PNC Bank about the fraudulent accounts that were opened, or the fraudulent documents they accepted to open the accounts in my name. 
In early XXXX, 2022 I received what I thought was marketing credit card offer from PNC bank. 
On XX/XX/2022 I received a letter from PNC Bank stating that I had opened 3 Consumer accounts with PNC Bank. I did not open any accounts with PNC. I called PNC immediately. During the phone call I was told that I could not get any information on the accounts unless I gave my SSN or an account number. The letter I received only had the last 4 numbers of the account number and given the nature of the call, I would not give my SSN so the representative could not look up the accounts. She told me I could take the letter to a PNC branch, however there are no branches in my area, only ATMs. I determined that what I thought was marketing was actually a credit card that had been opened in my name. I gave the representative that card number. I was told that the information would be given to the fraud department and I would receive a call back in about 48 hours. I did not hear back from the fraud department and on XX/XX/2022 started trying again to reach PNC to discuss the matter. 
On XX/XX/2022 I received a letter from PNC Bank to confirm my address change. I did not make any changes. I called PNC again multiple times. Due to long wait times, I was unable to talk to anyone until XX/XX/2022. During this call I was given the direct number for the fraud department. I have called the fraud department multiple times and have never been able to speak with a representative. I left a voicemail on XX/XX/2022 and to date have not received a return call. I also wrote a letter on XX/XX/2022 requesting confirmation that the accounts have been closed. I understand it is too soon to get a response from the letter, but the lack of response to my phone calls is extremely troubling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Contact Equifax For Several Months Asking Them About A Account On My Consumer Report Account # XXXX ( XXXX. XXXX ) It's Been Well Over 120 Days And I Filed A CFPB Complaint Against This Company Because Federal Law States If No Evidence Is Provided Within 30 Days The Account Has To Be Removed From My Consumer Credit File Equifax Is Committing Identity Theft This Company Closed My Complaint Out And Gave Me A " Generic '' Response This Is Unbelievable How Can Equifax Furnish This Account On My Consumer Report And I Never Gave Them Written Instructions Also They Have Failed To Even Send Me Any Contract With My Name On It I Haven't Received Any Valid Proof This " Alleged '' Account Is Even In Fact True This Is Sad That Equifax Is Taking Advantage Of Consumers Making Money Off " Alleged '' Accounts Then Refusing To Remove The Accounts And Also Not Providing Proper Documents I'm Livid With This Company And CFPB Needs To Do Something About It You Can Not Take Your Company Rules Over Federal Law!! I Demand This Account Be Removed Now!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX notice XXXX has a incorrect balance showing and I asked Equifax multiple times to fix this incorrect information.
Product: Credit card

I have a Chase Freedom Unlimited card and I recently applied for a credit line increase on XXXX/XXXX/2017 and I ended up speaking with a credit analyst who asked me to verify information from my credit report as I have a fraud alert on my credit stating to verify my identity before granting or extending credit. I am use to this process and he had me verify information and placed me on hold to review the information. Well after about 15-20 he came back and told me congratulations we have increased your credit limit to XXXX and it is available for immediate use and when I logged into my online account it was there. Well I recently logged in my account a few days ago and to my stick my credit limit had been reduced back to the original limit and when I asked why they told me that it had to do with my consumer statement and they tried to call the numbers and they were disconnected to which I replied that I had recently moved but the numbers were already updated with credit bureaus and the cell phone number on my account had not changed. They told them that 6 days later on XXXX XXXX my credit limit had been changed back because they felt it was a fraudulent request and I advised it was not a fraudulent request that I had in fact asked for it and the agent I spoke with verified everything already and why were they in my account 6 days later because they had approved the credit line increase and I had already received a letter confirming that it was increased. So why was it being reduced now and if the information was not verified properly on the XXXX why was the increase granted and I mailed a letter. They told me I needed to speak with lending services who explained that they had reduced the limit 6 days later and said the computer caught it 6 days later and I explained I did n't understand cause I spoke with an agent and he manually reviewed everything with me while I was on the phone and granted the request. Despite this they told me that I the request was closed and I would have to reapply for another credit limit increase and have another credit pull. I spoke with a supervisor and explained that they pulled my credit already and approved the initial request litterally 2 weeks ago why did I have to take another hit to my credit score. Every credit pull drops your credit score and I did nothing wrong. So they pulled my credit the first time for nothing and did they violate the law by granting credit and not verifying the request properly initially? It was n't a fraudulent request, I requested it and spoke with someone and verified it and now they are saying they ca n't grant it even though I have an approval letter and credit hit and now they want me to have my credit pulled again???? That is not right?? Why do I have to take another hard hit to my credit score and drop my credit score again for nothing I did wrong. Also why were they even in my account 6 days later??
Product: Student loan

I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.
Product: Vehicle loan or lease

Me and my husband had purchased a car from Americas car Mart last year XX/XX/XXXX. We purchased a XXXX XXXX XXXX with our XXXX kid. We have full coverage in insurance on our vehicle. We paid XXXX weekly. Americas car Mart always had a full payment every week. They never really had a problem with us about car payments. Starting of the beginning of the year of XXXX we had heart a hardship due to my husband, going to XXXX, a single mother of three for seven months Ive been paying for my car note. I even got a job to pay for my car. We went from weekly payments to every two weeks. I think I was paying XXXX every two weeks before I started doing monthly payments. I missed a weekly payment, but that was due to me first time starting my job Americas car Mart employee came to my job and harassed me over one missing car payment that I already was tend to pay moving forward through the rest of the year. We continue to pay it every two every two weeks in XX/XX/XXXX we started having overheating problems with our vehicle. We notify American car Mart that our car was overheating and we couldnt do nothing about it. They told us to go to their mechanic and most of their mechanics are not that available or dont know what to do after we had told them the problem of the vehicle at the end of XXXX our car caught on fire by the fuse box we had to call we had to call the fire department and order for them to put the fire out. We notify America car mart that they sold us a car that had four recalls on it. They deny it and didnt want to do nothing about it. I invested so much money into this car. I paid XXXX of the beginning of the year to my car and as of right now we are in the process with XXXX XXXX to figure out what is wrong with the car and see if we can get it fixed for free America car Mart is just asking for more money for a car that we are not driving and they are trying to repossessed the car because we are not trying to give the money the vehicle is in their car a lot and they are trying to get us to pay for a car that is no longer are
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft by deception and using deceptive forms. Gurstel Law Firm PC mailed me a letter ( see Exhibit A ) dated XX/XX/2022, claiming I owe a debt, giving me until XX/XX/2022, to dispute the debt. XXXX ( XXXX ) days later, I received another letter ( see Exhibit B ) from Gurstel Law Firm PC claiming that XXXX XXXXXXXX investigated my fraud claim and determined the claim to be invalid, giving me 15 days ( until XX/XX/2022 ) to submit additional documentation supporting my claim. 

Gurstel Law Firm PC is using deceptive and unfair debt collection practices by claiming different due dates for the same alleged debt. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). 

I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 

If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both, requested and required. 
Account XXXX XXXX XXXXXXXX
Product: Checking or savings account

Good Day on XX/XX/XXXX Navy Federal Credit Union took {$630.00} from my saving account XXXX. Alleging that I owe them from a charge off account whereas I had no knowledge off. The representative of Navy Federal on XX/XX/XXXX said a account was open up in my name. She provided the account number XXXX. ( Checking Account ). However I file a Bankrut in XXXX Whereas I was no longer to get a Checking account. Navy Federal claim that the checking account was open in XXXX. They ask me did I ever wrote a check to a Company. I  told them no. This Fraudlent charge was open under XXXX. The failed to provide me a copy of any documentation. Also in XXXX I lost my Dad and had XXXX. I don't know nothing about XXXX. If you have any question please contact me XXXX XXXX at XXXX XXXX XXXX. Your attention in this matter is appreciate. I seeking to get back {$630.00}. Also Navy Federal refuse to speak with me on this matter they hung up mulitple times on the phone to discuss this matter. I ask them to generate this Check under my name. I will be receiving a denial letter in the mail soon.
Product: Credit card

So I signed up for the fortiva credit card a couple years ago and I have used it frequently and have paid it off several times, about 4 months ago I tried to cancel the card because I was noticing that they kept adding more and more fees so I called in to cancel the account and they told me that they did cancel it. 

However I'm still receiving monthly emails saying that more fees are getting tacked onto this balance that's not even real. I have kept that card paid off for several months leading up to me canceling it, I ended up canceling it because they were making me pay monthly fees even though I wasn't using the credit card which I never agreed to in the first place they just started attacking them on a year later after I had the card. 

Now fortiva is reporting to my credit score every month that I am late on this payment that truly doesn't exist, this " payment '' they are referring to is them adding on fees and fees and fees. 

I have spent countless hours with them on the phone trying to get this resolved but they will not resolve it without me paying off imaginary fees that they created out of thin air. They are robbing me and ruining my credit in the process. 

Please please please can you help me
Product: Credit reporting

Both XXXX and Transunion failed to provide free credit reports and claimed technical difficulties.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit profile and There's information that doesn't belong to me. MY identity was stolen during the Equifax Data Breach
Product: Credit card or prepaid card

To whom it may concern, In XX/XX/XXXX I noticed I had a bigger than normal monthly payment due on my Chase Credit Card which I use mainly like a checking account. I pay all my bills and expenses through this credit card account. I inquired about the purchases that month and realized that many of them I had no idea what they were and how they got on to my account. I have been for the past year working on starting my own company and honestly havent had time to sit down and review each purchase for months of statements. I then decided to hire an accountant to oversee all my finances and the history of each account. His name is XXXX XXXX and was referred to me by a close friend. After a month of researching this account he discovered the massive fraud that has been taking place in my Chase credit card account for years. The fraud dates as far back as XX/XX/XXXX. The charges are total for the 2 years are adding up to approximately {$76000.00}. Chase is working with XXXX XXXX who is representing me on my behalf and has met some resistance trying to get the fraud clear up with charges that are older than 6 months ago. Since I just re3cently discovered the fraud I fell that Chase Bank USA should credit me back of all the fraudulent charges from when they began till the day I shut down that credit card. I just want in a resolution the fraudulent charges that I paid for credited back to me in a timely manner. Thank you for your time.