23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Unauthorized Soft Credit Inquiries on XXXX Report Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute 100+ unauthorized soft credit inquiries made by Albert Corporation on my XXXX credit report. These inquiries occurred daily from XX/XX/XXXX, to XX/XX/XXXX, without my knowledge, consent, or permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Key Details : Inquiry Dates : Daily soft pulls from XX/XX/XXXX to XX/XX/XXXX ( attached list for reference ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Impact : While soft inquiries do not affect credit scores, the volume and frequency suggest either a system error, aggressive marketing, or potential identity theft. 

I Demand the Following : Immediate Removal of all Albert Corporation inquiries from my XXXX report. 

Cessation of All Future Inquiries unless explicitly authorized in writing. 

Documentation proving permissible purpose for these pulls, if any exists. 
ALBERT CORPORATION Inquired on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Dear SANTANDER, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : SANTANDER, XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Debt collection

SEQUIUM ASSET SOLUTION {$2800.00} This debt is fraudulent, I let the company know that I am a victim of identity theft and I requested information from the company that shows my signature that I open this account, was only provided with a statement. I did not apply with this company nor the company they are collecting a debt for. I have received several messages/ phone calls from their company trying to collect this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This company was supposed to have sent a report to the credit bureaus indicating this account did not belong to me, I never signed a contract with them and had identity theft a while back which I included various police reports and FTC Reports indicating this and was deemed fraudulent by the company this company BOUGHT THE DEBT FROM- yet it remains in my credit report blocking me from purchasing a home. It needs removed immediately.
Product: Mortgage

XX/XX/ - We signed a purchase contract for a new home with DR Horton. I provided a pre-approval letter with XXXX XXXX XXXX which is my current employer. I was told it is a DR Horton requirement to have all buyers pre-approved by their lender DHI Mortgage.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ProCollect , Inc . 

Subject : Formal Request for Lease Agreement Documentation To Whom It May Concern, I am writing to formally request a copy of the signed leasing contract or any other documentation showing my agreement to lease an apartment related to the account you are attempting to collect. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ).

Your continued reporting of this account as a collection without sufficient proof of a valid debt is causing harm to my credit standing. Under 559.72 ( 9 ) of the FCCPA, it is prohibited to assert a debt that is not legitimate. If no lease agreement or relevant documentation exists, I demand that this matter be resolved immediately, and the reporting to credit agencies cease. 
Failure to comply with this request or continued reporting of an unverified debt will leave me no choice but to pursue legal action to protect my rights. Such action may include filing complaints with the Florida Office of Financial Regulation, the Consumer Financial Protection Bureau ( CFPB ), and/or initiating a civil lawsuit for damages caused by false credit reporting.

Please provide the requested documentation within 30 days from the date of this letter. I trust that you will treat this matter with the urgency and seriousness it deserves. You may send the requested documents to my address listed above. 

Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit reporting act XXXX  account name and numbers : XXXX XXXX Account number XXXX, U S DEPT OF EDXXXX Account number XXXX, U S DEPT OF ED/XXXXXXXX  Account number XXXX has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am writing as the merchant involved in the above-referenced dispute to formally request a secondary review of the decision regarding the disputed amount of {$15000.00}, with the card number ending in XXXX ; I respectfully submit the following points for reconsideration : Duplicate Payment Evidence : The cardholder paid {$15000.00} on two separate occasions, resulting in a total payment of {$30000.00}. This clearly indicates that the transaction in dispute is duplicative and confusing. Ongoing Review of the Card : The dispute involving the American Express credit card ending in XXXX is still under review. This ongoing review supports my assertion that the case has not been fully and fairly resolved involving the American Express credit card ending in XXXX ; the dispute was created total of nine ( 9 ) days but already decided in the cardholders favor. Transaction Verification : All three disputed transactions have been verified through our enhanced XXXX processes. Moreover, each transaction successfully passed the XXXX authentication, thereby confirming their validity.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent/ address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 32.2K under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 0 0 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2022 Halsted Financial Services LLC, contacted a relative of mine via email to try to attempt to collect on an alleged debt of mine they had bought from the original creditor. They disclosed all my information including dates and amounts owed by me to this relative that is not my spouse or myself which is a violation of the law.
Product: Mortgage

Around XXXX I got messed up with XXXX  XXXX and they cancelled my home insurance. I was not made aware of this until XXXX At that time i went and purchased insurance from XXXX XXXX for my residence around XXXX was notified by mortgage company ; [ flagstar bank XXXX XXXX XXXX Arizona ] that  they needed a copy of my home insurance which i sent to them. they sent a response back and said they need coverage for the XXXX thru XXXX or they would provide forced insurance for a past date, they offer for me to get myself however no insurance company will provide coverage for past dates> They have shown a negative amount in my mortgage account for this forced insurance for past time when nothing happened and when certainly i cant get coverage for a past time occurance is this legal the forced insurance amount is {$1000.00} which provides not benefit to them or me? Since the forced insurance company is a subsitiuary of the bank it is a method to make money in house with no risk There is no doubt my insurance lasped however i corrected as soon as i was made aware of this and doesnt this qualify for taxation without representation too? >
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. XXXX has still not removed the history of XXXX and equifax removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX dtd XX/XX/XXXX that they were removing all late payment information from my account both history and written
Product: Checking or savings account

On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my account.
Product: Student loan

I was shocked when I reviewed my credit report and found three late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6100.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on several occasions to explain to them the accounts showing on. my credit report are inaccurate, they failed to respond in 30 days and I have attempted over 3 times to have these accounts removed. They couldn't verify the accounts were mine, I submitted a letter of debt verification to the alleged companies stating I owe them and even the companies failed to respond. These accounts have been showing on my report negatively for months I tried to be patient however they are very disrespectful of my time. It seems like they are robots and do not care personally how this is effecting my ability to obtain housing, financing or jobs. As indicated by the attached copies of letters and mailing receipts, they have received and accepted through registered mail my dispute letter dated XX/XX/XXXX, XXXX accounts are listed below each time I've requested this inaccurate information to be removed they ignored my request. 
On XX/XX/2021 I received a copy of my credit report from TransUnion, which is 1 : outside of the 30 days to report or remove inaccurate information and for 2 : proof that they can not validate this debt and instead of having it removed they decided to further delay and buy themselves more time. They are utterly wrong and it's very disturbing to deal with such a major company and they treat you so poorly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I have tried to call them several times over the past week and a half, I have sent emails and chats, and multiple phone calls, they never reach back out to me in any form. They are saying that my payments start back on XX/XX/12 when I am enrolled in college still and cant pay. I called at XXXX this morning and have been on hold for an hour when they said the wait time will only be XXXX minutes.
Product: Money transfer, virtual currency, or money service

On XXXX used XXXX to transfer {$750.00} from my checking account at Wells Fargo to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) to pay for an online purchase. I sent an additional {$65.00} to him the following day, again using XXXX and again from my checking account at W.F. Wells Fargo debited my account, but XXXX did not transfer the funds to XXXX XXXX. When I check the transactions online in my W.F. account, both transactions show a status message, The receiving bank has not deposited funds to XXXX XXXX 's account. XXXX XXXX called his bank this morning, and they told him that XXXX has frozen the funds. At this point, the funds have been frozen for over three days. 

I called Wells Fargo FOUR TIMES today ( XXXX ; the online dept. ) to try to get this problem fixed, and got absolutely nothing accomplished! Two of the calls didnt even get past their IVR. On my second call, I talked to XXXX XXXX in XXXX, TX, but she refused to answer my question about why the funds were frozen. When I asked to speak with a supervisor, she disconnected the call. On my fourth call, I got an XXXX in the XXXX. I told her I wanted to speak with a supervisor in the U.S. She didnt connect me with a supervisor, but connected me with their second level support. I spoke with XXXX XXXX in Virginia. She also refused to explain why my funds were frozen, and kept trying to blame XXXX and/or the receiving financial institution ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA ) . She refused to do anything to fix the problem. When I asked to speak to her supervisor, or to give me the phone number for problem resolution at XXXX, she refused both requests and hung up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a free credit report on TransUnion.com However, during the sign-up process, the company asks me to give them my credit card number. I thought this is for them to obtain my credit reports. I didn't know Transunion was being deceiving and silently enrolled me in a monthly recurring {$21.00} subscription. 
Furthermore, there is no option on the website to get out of the subscription. The number they provide is constantly on hold and have no way to talk to a support contact.
Product: Credit card or prepaid card

I am temporarily experiencing financial difficulty. 

Due to my financial hardship and in order to meet necessary household expenses plus credit payments, I am asking that XXXX Capital One to accept a reduced payment for the next 6 months on my debt. By that time I hope to be financial able to pay the monthly amount asked. If my situation improves sooner I will notify you at that time. 

I would appreciate your consideration in this matter as I am not able to meet the regular payment of {$66.00}. I will pay you {$27.00} per month during this emergency. 

I request that my account not be placed with a collection agency as I wish to deal with you directly. Over the next 90 days, I ask that you also please consider withholding interest on my debt. 

You can be sure that I will resume regular payments on my debt as soon as I am able. I will notify you when my situation improves. Please only contact me in writing and I will respond to your letters in a timely manner.
Product: Money transfer, virtual currency, or money service

Paypal permanently closed my account for no reason. They put a temporary limit and I complied with everything that they asked. Unfortunately, they still blocked my account permanently. My business has been affected by this issue since I wasnt able to pay my people with the funds I have on my Paypal account. This is not my fault. I have not been able to get effective help from them for weeks but I discovered I could file a report here as I feel they are not doing their job properly. It is affecting me as great deal as I used Paypal quite frequently. My email liked to my Paypal account is XXXX. Hope you can help with my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Debt collection

I have received well over 200 phone calls from Radius Global Solutions asking for a different person. I have told them about 20-25 times that I dont know that person and to remove me from the list. They have told me every single time that my name and number are being removed, but I continue to receive 1-2 calls everyday.
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
6. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020