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

unauthorized inquiries listed on my TransUnion credit report. I have identified several inquiries that were made without my consent, and I did not provide permissible purpose to any of the banking institutions responsible for these inquiries. I have contacted each institution directly, and none have been able to provide proof or substantiate that I initiated or authorized these inquiries. 

Despite my attempts to resolve this matter with the institutions, they have advised me to dispute the inquiries directly with TransUnion. However, despite my repeated efforts to raise this issue with TransUnion, I have been met with stall tactics and form letters that fail to address my legitimate concerns. TransUnion has consistently stated that they can not honor my request at this time, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report and to dispute any information that I believe is incorrect or unauthorized. These unauthorized inquiries are negatively affecting my credit standing, and I demand TransUnion take immediate steps to investigate and remove them. 

I have already submitted many disputes in writing, but TransUnion has failed to substantiate why these inquiries remain on my report, If TransUnion fails to immediately remove the unauthorized inquiries. I will be forced to escalate this matter by filing complaints and considering further legal options to ensure my rights as a consumer are upheld. 

unauthorized Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAPITAL ONE account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to find incorrect accounts listed, and I have no idea how they appeared. I regularly review my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical issue, but the errors did not disappear. Because of this, I ask that the documents I provided be carefully reviewed so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report from all three bureaus XXXX, Equifax and XXXX. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXXXXXX XXXX  XXXX made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you
Product: Debt collection

I have received calls from IQ DATA INTERNATIONAL regarding cleaning charges for the appartment I used to rent .. I had no communication from appartment complex management company regarding these charges .. The Agent from IQ DATA International called me and told me that I owe XXXX dollars plus interest. It was a surprise to me and I respectfully ask them that I dont owe those charges and there was no communication from the appartment management company. He told me he has my file and proceed to tell me my date of birth. He threatened me if I dont pay he will report these charges to credit monitoring and will ruin my credit and I will never get another appartment. I was a work and I told him I can not stay on the phone with you he keep insisting it wont take long. I said send me email of charges so I can verify the said charges. I said I will like to dispute and ask for my email address so he can send me receipt if I make payement today .. he repeatedly called me 2 times after I told him I am at work .. 
number he called me from was XXXX XXXX .. he called me at XXXX XXXX XXXX XXXX on XX/XX/2019 He was very hostile and keep threatening me that my credit will be ruined
Product: Mortgage

Hello- This is relating to a mortgage that I have with Quicken Loan. My insurance company federated national dropped the ball on XX/XX/2020 because they were unable to inspect my property. On account of Covid, its a difficult situation to get the home inspected. They couldn't co-ordinate the date of inspection so federated national decided not to issue me an insurance. Upon receiving a letter from the Lender QL, i decided to shop for alternate insurance providers. Post which i was able to procure the new insurance starting XXXX of XX/XX/2020. Now both my prior insurance company XXXX XXXX and the new insurance company XXXX are not willing to cover for the gap days between XX/XX/XXXX and XX/XX/2020. 

The Lender has the provision to cover the gap from XX/XX/XXXX to XX/XX/2020. So I had a telephonic conversation with QL on XX/XX/2020 to take out the money for the gap days which is about {$79.00} and close on the insurance. Per QL they will send me 3 notices before they can use my escrow money to cover for gap days. Which amounts to about 60 plus days post which they will cover me for the gap days. This is a bit weird. They are sending me notices for the gap days, while I'm willing to pay the amount and get over with it. Per QL this is the process that they follow.
Product: Prepaid card

This card was purchased at XXXX for a fee of {$XXXX} and loaded with XXXX. The balance can be verified on their site. It has been activated as well and states clearly it can be used ANYWHERE visa is accepted. In reality, it cant be used even at XXXX. The largest retailer in the world. Any online transaction is declined and there is absolutely XXXX customer service. If you call the number on the card you are only led through a useless series of prompts with no agent ever made available. There is no option at all to speak to anyone. This problem is a well known issue with anyone who has purchased this card, after they pay for it and try to use it. The parent company XXXX is equally as useless, and XXXX Bank is at the top ( XXXX ) which is a shame given how well XXXX works.
Product: Checking or savings account

On XXXX XXXX I opened a savings account with Citizens Access bank, the same day I transferred {$19000.00} from XXXX. On the XXXX of XXXX, XXXX sent the funds to Citizens Access. After several days I closed the XXXX savings account. On the morning of the XXXX I awoke to find two emails from Citizens access, one saying my account had been locked out due to too many failed attempts to login, the other saying I had successfully changed my username. I live in XXXX and so morning for me would be evening in the US. I called the bank immediately, because I had been asleep while the emails were sent and thus unable to attempt logging into my account or to change my username. The associate on the phone verified me then told me that Citizens Access has chosen to discontinue their banking relationship with me at this time. She went on to tell me that the funds would be sent back to the account they were initially transferred from. When I explained that account was closed, she directed me to the other bank to resolve the issue. I called XXXX, who said the account couldnt be reopened and even went on a three-way phone call with Citizens Access to attempt to resolve the issue, to no avail. Finally, on XXXX XXXX, I received an email saying that the account at Citizens Access had been funded. Citizens Access refuses to send the money in any way I can receive it ( ie via check or to an open account ). Moreover, based on a phone call today ( XXXX XXXX ) XXXX has no record of the funds even being transferred to them. Additionally, from a phone call today, Citizens access wouldnt even tell me if they sent the money to XXXX or not and so I have no idea where my money is or whether its even all there. At this point, I have no way of knowing if, when, or how they money might be sent to me either.
Product: Mortgage

On XX/XX/2019 I received a letter from Chase, via XXXX, proposing a repayment plan to " bring my account up to date ''. This letter appeared to be in response to numerous complaints I've filed with this agency against Chase. I called the phone number on the letter and spoke with XXXX XXXX. Ms. XXXX claimed to be in the Customer Outreach Department. 

Ms. XXXX, said she was totally ignorant as to why I received the letter. She asked me if I knew why the letter was sent. After about 20 minutes of conversation with her she transferred me to XXXX XXXX who claimed to be in the Mortgage Assistance Department. 

Mr. XXXX was unable to offer any reason for the letter other then it gets sent to every account that is 30 days delinquent. When I pointed out to him that my account has been 30 days delinquent for the last 3 months since they withheld a payment and added an escrow amount because they claim they do not have proof of insurance. He then backtracked and said they send the letter to some people. When I asked for the criteria they used and suggested some he seemed to imply that my name, XXXX, could be a factor. My interpretation was this was clearly a racial reference. I then asked to speak with a Supervisor. Mr. XXXX transferred me to XXXX XXXX who claimed she was an Escalation Manager. Ms. XXXX said that she was unable to discuss my complaint about Mr. XXXX because I have open complaints with the Executive Office and she offered to transfer me to them. I pointed out to her that this was a separate issue and I wanted to speak with Mr. XXXX 's Supervisor so that I may lodge a complaint against him. She transferred me anyways despite my objections. 

I disconnected the call after the transfer and tried to call the number on the letter again. XXXX XXXX answered the call and I explained the situation and asked to speak with a Supervisor in the Mortgage Assistance Department. Mr. XXXX stated there was no Mortgage Assistance Department and Ms. XXXX and Mr. XXXX both work in the Customer Outreach Department. It appears that the first 2 conversations I had with Chase was just a ruse to transfer me from operator to operator each pretending to be in some fictitious department. I then asked to speak with a Supervisor in the Customer Outreach Department and after being placed on hold for a long time Mr. XXXX came back and told me the Supervisor, XXXX XXXX who is the Operations Supervisor, was refusing to talk to me and would not listen to my complaint. 

I have filed a previous complaint against Chase for calling the wrong phone number and not responding to my returned calls to them correcting the phone number. I asked, as a solution to the problem, for Chase to quit harassing me. 

Chase has been in possession of my proof of insurance for months, it has been sent to them on 4 separate occasions and a copy is attached to CFB complaint I filed. Despite this fact they continue to ask for additional time and it appears they intend to use this delay to escalate the harassment and not resolve their error. 

The majority of the people Ive dealt with at Chase are predatory lying XXXX.
Product: Credit reporting or other personal consumer reports

A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme depression and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RESURGENT CAPITAL SERVICES for committing identity theft. I have never given RESURGENT CAPITAL SERVICES 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 the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from RESURGENT CAPITAL SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RESURGENT CAPITAL SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 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 RESURGENT CAPITAL SERVICES 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 RESURGENT CAPITAL SERVICES continues its collection efforts, I will file for litigation for actual damages caused and RESURGENT CAPITAL SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 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.
Product: Student loan

I have been trying to contact XXXX and AES in regard to my student loans made for XXXX school. I have been trying to resolve my debt/ issue. Neither will allow me to obtain information in regard to my status. XXXX did tell me that I am in litigation, but will not give me information on how I can resolve my debt. AES states that my loans are in their specialty department but can not give me any more information. I can access the AES site online, the information there states that my next payment is due on XX/XX/2016, that I have XXXX HEAL loans owned jointly by them and The Pennsylvania Higher Education Assistance Agency ( PHEAA ). I called PHEAA who told me that I should be able to contact AES and get resolution, but I ca n't. I am locked out of XXXX website and can not gather any information. I did contact Navient but they stated that they can not give me any information. XXXX did give me a phone number for The US Department of Education who advised me that my Federal loans are in good standing. They stated that AES and XXXX should be communicating with me to resolve this issue. They forwarded me to The Ombudsman who reaffirmed the opinion given by The US Department of Education.. I was given this offices information to assist me. 

I am a veteran, XXXX through XXXX, have been homeless and am living in a transitional VA facility where I have been getting assistance in transitioning back to the community. I was hospitalized for 3 months at the XXXX VA hospital for XXXX where I received XXXX- they left me with XXXX but I 'm now able to think and have been trying to attend to things I need to ( such as my debts ). I am also being assisted by the federal government in regard to my debts. I am also being assisted by The Pennsylvania Department of Labor and Industry for the purpose of reentry back into society as well as reentering XXXX. My desire is to get off of XXXX as my treatments have substantially helped my recovery. My hope is that I can obtain assistance in handling my educational debts. While I am not certain, I assume I am in default.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple collections account opened at PROFESSIONAL Debt Mediat on XX/XX/XXXX, with a balance of {$5300.00}, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$970.00}, A collection account opened at XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$140.00}. A credit card opened at XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$250.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I made a purchase on XXXX which they cancelled. They refuse to help as does XXXX. Both told me to contact my bank. My bank is 5/3 and they are unreachable via the phone and no one either locally or on their chat will help me. I have been on hold 4 1/2 hours today.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

PLEASE RE SUBMIT TO XXXX THE REMOVAL ACCOUNTS ARE STILL ON MY CREDIT REPORT ACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Debt collection

This company made no attempt to verify this debt to send me any validation that I owe the dead and they are not licensed to collect this debt in Kentucky
Product: Payday loan, title loan, or personal loan

They provided a loan but failed to advise me that they would only loane 20 % of the loan and 8 had to pay the entire loan off to get the remaining 80 %.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ALL ACCOUNTS ) 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 an 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.