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

I am writing to dispute and formally request an investigation into an unauthorized hard inquiry that recently appeared on my credit report, as reported by your agency. This inquiry was made without my consent and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681g. 

Details of the unauthorized hard inquiry are as follows : Name of Inquiring Entity : GREENBURG GRANT AND RICHARDS Date of Inquiry : XX/XX/XXXX   I have not provided any form of consent, either written or verbal, to GREENBURG GRANT AND RICHARDS or any affiliated entity, to access my credit report or initiate a hard inquiry. This unauthorized inquiry has negatively affected my credit profile and may result in harm to my financial standing. 

Under the FCRA, it is explicitly stated that a permissible purpose is required for an entity to access a consumer 's credit report without their consent. I have not initiated any credit applications or transactions with GREENBURG GRANT AND RICHARDS that would warrant a permissible purpose for this hard inquiry. This action is a direct violation of my rights under 15 U.S.C. 1681b. 

I kindly request that you conduct a thorough investigation into the legitimacy of this unauthorized hard inquiry and provide me with a written response within the time frame specified by the FCRA. I expect your response to include : Verification of the permissible purpose that allowed GREENBURG GRANT AND RICHARDS to access my credit report without consent. 
A complete copy of the information that GREENBURG GRANT AND RICHARDS provided to you as part of this inquiry. 
Any correspondence, agreements, or documentation demonstrating that I authorized this inquiry. 
Proof of the lawful basis for this inquiry, in accordance with FCRA regulations. 
Failure to comply with the FCRA 's requirements or provide a satisfactory resolution within the stipulated time frame may lead to legal action. I am prepared to take legal recourse to protect my rights under federal law. 

In accordance with the FCRA, if my dispute is valid and the inquiry is found to be unauthorized, I demand the immediate removal of this unauthorized hard inquiry from my credit report. I also request a revised copy of my credit report reflecting this correction, and {$1000.00} remedy. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention and adherence to federal law are expected. 

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

1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount XXXX XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i mailed transunion to let them know i have some things on my credit that i feel should be corrected. I have yet to get any response and at this point feel that my voice is being ignored. Im currently in the process of setting up my family for our future and this is holding things up.
Product: Debt collection

On XX/XX/2019, Complainant 's letter stating all further communications regarding the alleged debt were to be in writing only and that telephone calls were inconvenient was received by the collection agency. On XX/XX/2019, at XXXX XXXX EST, Applied Business Solutions, via a female collection agent, contacted the cellular telephone of this Complainant, using telephone number XXXX, stating she was calling from Applied Business Services and that it was on a recorded line. I informed the female collection agent that a letter stating no calls were to be made to my number was received by her office and that I intended to pursue legal action. ( I have conferred with legal counsel regarding this matter but have not retained his services. )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that are appearing on my credit report that don't belong to me. I have reached out to the different credit reporting agencies and they will not remove them from my credit. I have provided the requested documents and these items still appear on on my credit file. Please help in removing these fraud items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2020 I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, XXXX, and Trans Union under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/2020 I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, TransUnion, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.
Product: Mortgage

Owner XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Washington, DC XXXX Contact XXXX XXXX Account number XXXX PHH Mortgage Services XXXX. XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, contacting you to discuss my mortgage and the serious issues I am having with my mortgage. I am in pre-foreclosure. I am 1990 days behind in my mortgage payment. 
My XXXXirst mortgage company XXXX XXXX  XXXX XXXX, which was closed by the Government for mortgage fraud case. This started with my hardship of my husband passing away, than I lost my 23 year job. I experienced 2 great lost. With losing an income and my job I reached out to Housing counseling who set me up with a pro-bono attorney. This attorney was horrible, I told him this mortgage is a fraud account he agreed and stated he would point that fact out in court he did not say a word to the judge. 

This account continues to be under review, when I spoke to my customer account manager on XX/XX/2021 he states that they are waiting for XXXX XXXX who is the owner of the loan, XXXX XXXX has not sent the required approval for the loan to be modified. When contacting XXXX XXXX they state they " don't own the loan '' I have sent in all requested documents, i.e. tax years, bank statements, 3 pay studs, also my son 's document also. I have a full and part time job and social security. 
I am overwhelmed with this on-going merry-go-round. Please know this is very serious and I am taking it as so. 

Please assist me in this 1900 day of turmoil. 

A true and sincere thank you for your attention is this very serious matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

1. Pursuant to 15 US Code 1666b of the Consumer Credit Protection Act A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As per 15 US Code 1666b of the Consumer Credit Protection Act, I find that Capital One Bank has been violating my consumer credit rights since XXXX of XXXX by continuously reporting late payments to my consumer credit reports. These violations have and continue to occur a total of 4 times across all three major credit reporting agencies. I hereby invoke my consumer credit rights and demand the removal of all reported late payments from my consumer credit reports immediately. This includes but is not limited to XXXX, XXXX  and XXXX. 

2. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

This demand to remove letter hereby serves as written instruction to Capital One Bank to remove any all reported late payments from my consumer credit reports and files.
Product: Debt collection

According to the National Consumer Assistance Plan,  credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Product: Mortgage

See attached pdf file from documented record of conversation, XX/XX/year>. 

Primarily filing this complaint because the company previous track record of deception at inception of loan ; regarding bimonthly automatic payments that company indicated would be done in closing, and later recanted their statements. And the inconsistencies in information sent through email yesterday, and representative discussion that company couldn't do escrow analysis, after waiver was processed. Had received two emails from Rocket Mortgage, one for auto pay, and other for payment confirmation. They both stated in red, " Closed Mortgage ''. 

Ergo, reason stated not process. Yet it was as if, representative didn't hear. Although XXXX, was very helpful, think maybe the XXXX XXXX have was once again a factor.
Product: Credit card or prepaid card

My account with Bank of America World MasterCard was supposed to be closed in XXXX. They never closed the account. The first time I called they put me on hold and and would not close the account. The next day ( XX/XX/XXXX ) when I tried to call and cancel the card I waited on hold for over 45 minutes and was transferred to 3 different people. This account was supposed to be closed years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - Transunion, XXXX, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX  XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Product: Credit reporting or other personal consumer reports

On XXXX I was informed of new hard credit inquiry on my credit report that I did not initiate. I suspect fraud. The credit inquiry is from : CAPITAL ONE Phone number XXXX XXXX XXXX XXXX Address XXXX CAPITAL ONE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an account currently being reported on my credit file by Plaza Services LLC under account number XXXX. This account contains inaccurate and unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

This dispute has been previously filed under XXXX Dispute Number XXXX, yet the issue remains unresolved. Furthermore, I was affected by the XXXX data breach, which compromised my personal and financial information. Due to this breach, unauthorized accounts and inaccurate information may have been added to my credit file without my consent. Given this fact, it is imperative that this account be removed immediately as it can not be definitively verified as legitimate. 

Additionally, I have requested debt validation from Plaza Services LLC, and they have failed to provide sufficient documentation proving that this account is valid or that they have the legal right to collect it. In accordance with the FCRA, XXXX must conduct a reasonable investigation and remove this unverifiable account from my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable Investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Below is a list of accounts I have marked as inaccurate ; PLAZA SERVICES - XXXX
Product: Checking or savings account

I would pay for something and it would take 2weeks to post and when it did I accumulated multiple overdraft fees
Product: Credit reporting or other personal consumer reports

I sent notice to JPMCB to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed JPMCB that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with JPMCB. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account number ending XXXX )
Product: Debt collection

On XX/XX/XXXX, I noticed a medical debt that I did not recognize added to my credit report. I immediately found the company, Summit AR, and contacted them to get additional information about this debt. They emailed back and verified the debt. On XX/XX/XXXX, I answered a phone call which happened to be from Summit AR, the collection agency. I said I'd happily pay the debt, but I had never received notice of the debt and thought it was inequitable that it was added to my credit report before I received a bill. I said that I would like for the account to be removed from my credit report. They refused. As mentioned, I never received a bill from them, though they claimed to send a single bill in XX/XX/2020. When I mentioned that I never received the bill, they told me to contact the postal service. I escalated to a number of supervisors, all of whom said I ignored bills and ignored my mail, and they would refuse to address the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, Experian - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

Experian is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Checking or savings account

According to CFPB RULES, in the complaint Nos. XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX I, XXXX XXXX XXXX ( XXXX ) pursuant to and under 15 USC 78c and so forth, etc.,. I ( XXXX ) was told by your employee to allow your company 15 days of investigation and process of an complaint. Well when I placed the first complaint I told them that I had two complaints and I was told by your employee to wait for the first one to see what happens. Anyway, I placed the second one on XX/XX/XXXX and within 24 to 48 hours later I was phoned by your { assumingly } employee that she was calling me on the behalf of Wells Fargo and that the case was closed. Then within 2 weeks later I received a bogus, pranked, unprofessional letter from Wells Fargo with overlapped information from XXXX XXXX writing on the behalf of Wells Fargo regarding my current bank accounts numbers in which this is not my complaint. My complaints about both banks were as I filed in the complaints itself. Please reflected back to the previous filed complaints and I, XXXX XXXX XXXX pursuant to and under 15 USC 78c for both banks. Mr. XXXX XXXX, XXXX and or company President at XXXX XXXX  had sent me a question on my online banking of how much but I did not respond because I only want the monies that I either had going or put in the accounts by payroll deductions and or deposits plus the showing of monies entered into my account that I had expected it and more to come to. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ( Cell ) XXXX ; ( Email ) XXXX Be on the look out for the faxed letter of supposedly Wells Fargo letter dated XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX20 I made a payment on this account. It is an account that works as a line of credit, each draw will calculate a percentage of the payment. On XX/XX/XXXX20 the only posted balance and the only amount of payment that could be made was around {$2800.00}. This balance account for one advance from XXXX and would have paid that advance in full. When making the payment, the website and app both provide a disclosure that states " This payment goes towards existing payments due for previous transaction periods, but does not apply to transactions in your current transaction period. Transactions that occur in your current transaction period may increase your aggregate monthly payments. Payments made in excess of your current monthly payment may not satisfy your new aggregate monthly payment at which time you may be required to make a payment equal to your full aggregate monthly payment amount. '' The account DID have new draws from XXXX/XXXX/20, however this payment was within the current cycle and had not yet posted to the account. After receiving the payment on XX/XX/XXXX20 it was applied to the old draw balance from XX/XX/XXXX2020 and partially to the new draws that hadn't even posted yet. As a result, the monthly payment reflects that the original draw has not been paid off and has thus created a larger monthly installment amount. The attached statements also reflect a month in which no payment was due on that XX/XX/XXXX2020 draw. I have spoke with several people, including a complaints department and have been told that this has been escalated twice but the issue has not been rectified. At this point Upgrade needs to make this right. At the end of the day, the amount of interest paid is the same to this company, its a matter of the monthly payment being more affordable and aligned with the actual advances that should remain on the account. It is deceptive to have the terms of how a payment is applied posted on both their website and the app but the payment is applied differently in whatever manner they feel beneficial to their company. I was offered to apply for Covid assistance of hardship, which I find extremely offensive. Upgrade has made a transactional error, a deceptive payment banking practice and it is their responsibility to resolve this. This is not made right by requiring that a customer apply for financial assistance that could both hurt their banking relationship with Upgrade but also could impact their credit depending on the actions that they take in order to apply Covid assistance to the account. For the record, I am not having a financial hardship. This is a matter of principal and the fact that Upgrade has done wrong. My most recent conversation with XXXX XXXX, Team Lead, again explained that Upgrade will not do anything to rectify their wrongdoing. I have attached statements, you will even note on the XX/XX/XXXX20 statement that a payment amount was not due for the XX/XX/XXXX2020 draw.
Product: Credit reporting or other personal consumer reports

I received emails from a company called Possible Finance but I do not know who they are and they are sending me emails to withdraw funds out f my account. This is fraud, I do not know who they are
Product: Debt collection

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.