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

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
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 FTC Complaint Number XXXX, filed on FTC Complaint Date 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 : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX XXXX XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a inquiry hit for capital one card I didnt authorized.. XX/XX/XXXX I had another inquiry hit for capital one I didnt authorized I called and tried to get them removed but wasnt successful.
Product: Credit card or prepaid card

Comenity bank, part of XXXX  XXXX, has confirmed and acknowledged they have been unable to produce a customer statement for over two months due to a planned system update taking longer than expected. It has been over 2 months since this has been resolved, which by any means is longer than " temporary ''. Their inability to produce a formal statement in XX/XX/2022, and XX/XX/2022 to present any balances owed, fees, interest, etc. is unacceptable. I have attempted to reach out to the bank multiple times to obtain amounts and copies however, they only provide the below " canned '' response : From : Comenity Bank Sent : Tuesday, XX/XX/2022, XXXX XXXX ( ET ) To : You Subject : Re : Statements Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. 
Please accept our apologies for any inconvenience you've experienced. 
Our website had been temporarily down due to a planned system update that had taken longer than expected to restore. You may not be able to review your recently generated statement on our website. 
If you have any questions, please click the reply button. 
Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I'm not receiving updated statements. The last viewable statement is from XXXX. Where are XXXX and XXXX?
Product: Checking or savings account

I started being charged by BoA a monthly maintenance fee without warning. I suspect it's because they changed my account type ( from online to core checking ) without first telling me.

I logged into my account online to try and contact them, to figure out how to contact someone via email since I am abroad. There is a chat section in their " contact us '', but it is a dummy. I.e. supposedly some option have chat available, some do that but in reality none of them have a chat option. It's fake. 

I want to know why I'm charged these fees and have them reversed. I don't know why no one is contactable in a straightforward manner. It's actually frightening to see some of the options that do not have any support provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a Federal Trade Commission Identity Theft Report to Trans Union, XXXX and XXXX. The following accounts and credit inquiries currently listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized, and not mine : Accounts : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Credit inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.
Product: Mortgage

On XX/XX/22 an official request was made with my lender Inspire Home Loans servicer XXXX XXXX to begin the BPO process to remove the mortgage insurance and escrow payments from my mortgage.

A Brokers Price Opinion ( BPO ) would be required to assess the current value of the home. 

On XX/XX/22 an automated email was sent to me saying the request was being forwarded to the loan specialist department. 

No contact was made by the lending company over the next few weeks. 

On XX/XX/22 I reached out via phone to the lending company again and asked for an update on my request. At that time the lending company charged and withdrew a {$150.00} BPO fee from me and stated an appraiser would be on calendar to visit my home and give the new appraised price.

A few weeks went by and there was still no contact by a BPO appraiser or the lending company. 

On XX/XX/22 I reached out to the lending company via phone requesting an update. At this time the phone agent XXXX informed me my {$150.00} payment was mistakingly applied to my principal balance and that the process to re-appropriate the funds and schedule a BPO appraiser to visit my property would not take place until XX/XX/22. 

At this point it will be close to two months from the original request to the time someone finally comes out to my property for the BPO appraisal. 

Consumer protections state this process should be timely and communication should take place throughout the process. The experience with Inspire Home Loans and XXXX XXXX have been neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

I have been a victim of unfair and inaccurate reporting of my consumer credit report by EQUIFAX. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time complaining about Fraud with my information. My information is being used, attempting credit lines and loans. XX/XX/XXXX and inquiry from XXXX XXXX notified me that and inquiry was made. I took legal action, I have filed a police report pursuing charges for Fraud. Ive tried to report this fraudulent actions since XXXX. When I found out, my information has been compromised since XXXX. A response saying that 7 inquires has been deleted, but as of today.. it remains there. The inquires : XXXX   XXXX/XXXX, XXXX XX/XX/XXXX in my XXXX. XXXX  XX/XX/XXXX in my XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX are still on my credit report. My information has been compromised since XXXX and still being used. Im putting a lock on my Social Securty #. I also took action and filed a police report for identity fraud. There are 23 inquiries on my credit report that I have NO RECOLLECTION of and know nothing about how there got there. 
XXXX  : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. Equifax : XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. When I found out that my information was just used on the XXXX of XX/XX/XXXX I filed a police report XX/XX/XXXX with The XXXX Countys Police Department. Officer XXXX badge # XXXX Complaint # XXXX
Product: Debt collection

Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.
Product: Money transfer, virtual currency, or money service

I cant see the exact dates or amounts but around XX/XX/year>. I was scammed and couldnt get my money back through my XXXX/chase account.
Product: Credit card

Credit fresh, A line of credit offered by XXXXXXXX XXXX, mailed me a XXXX for {$2000.00}. 

I was requested to give my social security number to have the application processed. I was never Given full disclosure that I did not need to provide my Social Security number to have the application processed. 
15 USC 6803 XXXX asked for full disclosure of what all my social security number is being used for. I was told they cant tell me and it will be mailed to me. 
28 CFR 802.23 ( C ) ( XXXX ) I also did not see either of these disclosures listed in below code on the Preapproval letter or the application or application process. 
16 CFR 4332 Lastly, the preapproval that I was sent because I met the qualifications and criteria to be mailed the preapproval clearly states that this is a firm offer of credit A firm offer is an irrevocable offer to contract under Article XXXX of the Uniform Commercial Code In a sale of goods, if the seller is a merchant under the definition of a merchant in XXXX, and promises in signed writing to keep an offer open, a firm offer is created. 

It states that the offer was made XXXX, XX/XX/XXXX and expires on XXXX XX/XX/year>. 

I am still within the timeframe to accept this irrevocable offer, but I am being denied access to these credits. 

XXXX XXXX In short states if XXXX part of the contract becomes unenforceable, the rest of the contract remains. So this denial does not constitute invalidation of the whole agreement. Therefore, adverse action can not be taken. 


I have reached out multiple times in regards to this and spoken with supervisors and representatives. I have been hung up on and I have been passed to XXXX representative to another to only re-explain myself and be told that they are not privy to the private information that the underwriting uses to deny my application. 

I clearly tell them that the offer I received was a firm offer, and that the adverse action is inappropriate, possibly unlawful and should not be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB regarding an account that EQUIFAX has allowed a company to place on my consumer report. 

The account has been placed by XXXX XXXX XXXX  under account # XXXX. 

I have spoken with EQUIFAX and written letters via certified registered mail affirming that this company is committing fraud against me. EQUIFAX continues to report this account on my credit report. 

I have suffered great loss due to this discrepancy. I have been unable to purchase a home, get a line of credit or go in the pursuit of my happiness. I have been denied multiple things because of this fraudulent account. This has caused insurmountable financial harm and undue stress to me. EQUIFAX is continuing to financially gain from a business relationship with XXXXXXXX XXXX XXXX at my expense by reporting fraudulent information about me. 

I requested validation from EQUIFAX and XXXX XXXX XXXX. Neither company has been able to present a valid contract with my original blue wet ink signature between myself and XXXX XXXX XXXX  I have never agreed to do business with this company. They have no documentation that they can provide to me that proves any contractual obligation to perform. I don't even have a contract between myself and EQUIFAX that gives them the authority to violate my right to privacy and report this information to companies all over the country. This is doing extreme amounts of damage to my life by inhibiting my pursuit of my own happiness. 

According to 15 USC 1692g, I am to receive multiple pieces of information that would inform me of said debt and would allow me the opportunity to dispute the validity. I never received this. I have requested it via telephone and did not receive it. I have written both companies on numerous occasions and have not gotten adequate response. 

EQUIFAX continues to commit fraud against me and obtains financial gain from a company that commits fraud against me.

They are violating 15 USC 1681 by inaccurately and unfairly reporting things against me, my credit worthiness, my personal information and my character. I have suffered damages because of this. I have been denied my own Credit, which I created, because this company is treating me unfairly by reporting this fraudulent information about me.

They are violating 15 USC 1681b. I, XXXX XXXX never gave EQUIFAX any written consent to report this on my consumer report, no consent is identity theft. I sent in multiple documents proving this was fraud and they continue to damage my consumer report and my life. 

This is my last attempt to resolve this before seeking assistant via the courts as I am a wronged consumer. I demand that this account deleted by EQUIFAX immediately.
Product: Money transfer, virtual currency, or money service

Robinhood is currently holding on to all funds in my account since XX/XX/21 and has blocked me from transferring to my account or another brokerage. I have sent multiple emails and received no assistance. My money is being held without my permission and I have no way of accessing my funds
Product: Credit reporting or other personal consumer reports

Wages are currently being garnished from Capital One Bank  and information on my credit report is not being reflected as such and should be removed immediately from my report! 

Capital one has been garnishing my checks since XX/XX/year> accounting for a minimum of {$1200.00} a month and my accounts on my credit report do not reflect that and should be corrected or removed immediately!
Product: Credit card or prepaid card

I am seriously done. This is my last attempt. FNBO keeps charging my checking account more than once for my payments, I have to ask XXXX to reverse/Stop payment on the multiple withdrawals FNBO makes on my checking account. 

I've brought this issue up before and no one cares. FNBO instead refused to allow me to update my checking account on the website and had to call it in. Still then, I was charged more than once for my payments. 

When the reversals came in from XXXX, FNBO responded by lowering my credit line and refuses to honor the original credit line due to banking error. 

These payments have been sent and I have statements from XXXX, payment of confirmations from XXXX and even CFPB complaints from the XXXX XXXX team who have confirmed receipt of funds to FNBO. 

I am please, please asking for help to fix this issue once and for all. 

FNBO needs to fix the glitch that is charging my ACH extra and restore my original credit line.
Product: Credit reporting or other personal consumer reports

I have sent countless letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I was gifted an Amex gift card with an amount of {$250.00} on the card. The card is supposed to be able to be used anywhere, like cash. I attempted to purchase a dresser from XXXX XXXX in the amount of {$110.00}. The card was already activated and still declined. I called Amex and they were no help. I then called XXXX XXXX and the card kept telling them there were insufficient funds. The amex website says {$240.00} is available balance. This card declines everywhere and is useless. Many people have reported this problem starting last year.
Product: Student loan

I reported to AIDVANTAGE when they took over my student loans from XXXX XXXX XXXX  that the amount was inaccurate - they have added on additional amounts on a promissory note from a XXXX XXXX XXXX XXXX which attended school in 1991 - I need {$35000.00} removed from this account because it is inaccurate and NOT MINE, as I have proof that I received federal pell grants and only went for a XXXX degree which could NEVER had charged up double that on a student loan in the first place. When told there was an investigation done- which took about 10 days ( total XXXX ) they did not request information from the previous providers nor did they do any contact to the school or due diligence in reference to this said " investigation '' whatsoever. I need the additional amounts removed so I can begin paying on my student loans that I do owe. I want this resolved immediately or I am sending a letter to the attorney general and taking them to federal court for lack of information on their part to charge me incorrectly for someone else 's loan accountability. I need this to happen within 10 days or I will move forward with this claim.
Product: Debt collection

I am a victim of identity theft. I did not open a XXXX XXXXXXXX XXXX card or a checking account with Barclays. I have communicated in writing and made several telephone calls asking for assistance. I was transferred up to six times within 2.5 hours of being on the telephone with multiple representatives with Barclays and got no resolution. At the last minute, the lady from the fraud dept said, " my computer is frozen. Can you call back in an hour? '' I called back in an hour only to be told I had the wrong dept and transferred me to another representative.
Product: Debt collection

I XXXX XXXX in sound mind am filing this complaint against Capital One. Capital One has Violated my Federally Protected rights under 15 USC 1692. In XX/XX/21 I received 3 deceptive forms for 3 different accounts stating I ALLEGEDLY owed on these accounts. Pursuant to 15 USC 1692c. ( c ), I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through any and all mediums. I am invoking my specified remedy as a consumer, and THE ORIGINAL CREDITOR, I am Demanding all of the following. XXXX  out the balances on ALL accounts I have with Capital One, Pay the attached invoice and compensate me for every violation labeled in the attached exhibits, and finally deletion from all Consumer Reports. Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C Exhibit D Exhibit E, that Capital One is in violation of 15 USC 1692b ( 5 ). Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C, that Capital One is in violation of 15 USC 1692b ( 2 ). Attached is an invoice for {$8000.00} for the Violation of 8 Federally Protected Consumer Rights Violations under 15 USC 1692. I have sent my Affidavit of Truth, Debt Violation, Exhibits, Cease and Desist, and Invoice to Capital One. I have these documents attached to this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX {$690.00} not mine XXXX XXXX XXXX {$720.00} not mine XXXX XXXX XXXX {$280.00} not mine XXXX XXXX XXXX XXXX {$85.00} not mine