23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX8 Bank XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXXp XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

1.I have never had an account with this company DEPT OF ED / NELNET XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DEPT OF ED / NELNET the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card or prepaid card

on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely XXXX XXXX
Product: Debt collection

Upon examining my credit report, I noticed a number of accounts that I believe were added fraudulently. Please ensure these accounts are blocked and removed without delay.
Product: Money transfer, virtual currency, or money service

I get paid once a week. My card was lost, so on MondayXX/XX/XXXX I called to replace it and ask bank if america to XXXX XXXX my check as I have no cash for the last week. This was around XXXX XXXX XXXX they advised in a new disclosure it could take 24 hours. It's now XXXX XXXX XXXX XXXX XXXX at the bank will help me I have reviewed no wire. Since XXXXy I have called and called to ask why it hasn't been wired, I have held for hours on dead lines. I need my pay to feed my family. I need help the bank refuses to send it allow me to get my check even tho I explained it's an emergency.
Product: Debt collection

There was a collection account on my credit report. The account was reported by XXXX XXXX XXXX who also sold the debt to multiple agencies. After multiple disputes to all three credit bureaus because I had no knowledge of the debt the account was removed from my credit report by all three credit bureaus. I received a letter recently dated XX/XX/2019 by Unifin Inc reporting the same account for a lesser amount asking me to settle an account I do not owe after the account has been removed almost 5 months ago.
Product: Credit card or prepaid card

On  XXXX   XXXX , I received a claim demand form Register of Wills for {$1600.00} from  XXXX  Services/Target Credit Card. I contacted a representative (  XXXX   ) o f  XXXX   XXXX  who would not discuss the account of  XXXX   XXXX   XXXX   XXXX  with me, only with  XXXX   XXXX  and  XXXX   XXXX . I faxed a documented proof, I was co-administrator of the Estate of  XXXX   XXXX   XXXX   XXXX , I rejected the claim of {$1600.00} by  XXXX   XXXX  Target  Credit Card based on  XXXX   XXXX   XXXX   XXXX  suffering from  XXXX  and survived 18 years of   XXXX   XXXX  . I requested Target Credit Card provide me with documented proof  XXXX   XXXX   XXXX   XXXX  signed any or all Target Credit Card receipts within the past  two  years especially l between the period of  XXXX ,  XXXX  through  XXXX   XXXX ,  XXXX .      XXXX   XXXX  made several unauthorized cash transactions on  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Therefore,  XXXX   XXXX  could not sign any checks or credit card receipts for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  signed any or all Target Credit Card receipts, then her actions constitute credit card fraud which is illegal un der Federal and State Banki ng laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Long story short, account was not authorized after initial purchase, I closed account on two different occasions in which first occasion was not closed back in XX/XX/2016, where my brother charged on card again, I have never received a statement or phone call from Wells Fargo in which they stated to me that they can only send bill to one person and have one address on file.. I made sure tha after second purchase card was closed and I made them send me proof this time.. my brother recently filed bankruptcy that I didnt know about til my credit score dropped over 100 points.. I have tried to file two separate disputes with them and they have never gotten back with me and all I see is they put in my credit report that it is resolved and I disagree.. I have to have some rights here, I have even told them I would pay it and they said it didnt matter it would still stay in my credit as a paid collection ... I pay my bills and stand behind all purchases even tho this balance shouldnt be allowed because the account was closed before he charged on it again.. I want this off my credit report, on my report is is showing up under XXXX XXXX XXXX.. Wells Fargo has to have  certain policies in place and they need to return phone calls, horrible company and should be shut down.. this file has been transferred to three different executive office members of Wells Fargo and I havent got one phone call..
Product: Credit reporting

They are not doing proper investigation of my accounts. Under the FCRA they need to contact the company not just a XXXX digit code. Also under FCRA section XXXX they need to have proof of the account in their records in order to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit report. The credit report shows an inquiry that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance, Employment, Court Order. Please delete the following unauthorized inquiry immediately XXXX XXXX XXXX - XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Debt Collection Activity Request for Validation Dear XXXX XXXX XXXX, I am writing to formally dispute the recent collection activity on my account, referenced by XXXX. I have significant concerns regarding the validity and legality of this collection effort and am requesting your immediate attention to address this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of the debt, which includes : The original creditors name, The amount owed, and Detailed information about the transactions related to this debt. 

To date, I have not been provided with this essential information, nor have I received prior communication regarding this alleged debt. The FDCPA mandates that debtors must be informed about their debt and provided the opportunity to dispute it before any collection efforts begin. Your failure to communicate these details prior to initiating collection raises serious concerns about compliance with federal law.

I hereby request that you : 1. Cease all collection activities immediately.

2. Provide the full validation of the debt as outlined above.

If these actions are not taken within 15 days from the date of this letter, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore all legal remedies available to me. 

I look forward to your prompt response and resolution of this matter. Please ensure all correspondence is sent to the address listed above. 

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

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX identity theft report  ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX XXXX. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX XXXX Form 1099-C ) with which I filed my XXXX tax return.
Product: Debt collection

I sent out a letter in XX/XX/XXXX to R.A. Rogers Inc. for them to validate a debt that is currently being reported on my credit file as I sent out one in XX/XX/XXXX and never received a validation. I received a letter in XX/XX/XXXX saying they sent out one previously and will not be sending out another letter to validate the debt but has stated that they will ignore all other request from me that I send to validate the debt.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries that I do not recognize. I have contacted all 3 CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) furnishing reports and connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries : except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not in initiated by a consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX  I was charged a late fee of {$39.00} by TRUIST. They said my recurring payment was not set up properly. On this day I was on the phone with a representative for about 45 minutes and had him make sure my recurring payment was set up properly so that this would not happen again in the future. They were kind enough to refund my late fee on this day and I was thankful for the refund. 

On XX/XX/ I was hit with another late fee on the same account for my recurring payment apparently not being set up properly. I was under the false positive impression that my recurring payment was set up correctly from my previous customer service conversation and late pay situation on XX/XX/. 

On XX/XX/XXXX  I was called by TRUIST in an attempt to collect a payment on my now past due account ( this was news to me ) I then explained to them that a representative would have helped me set up my recurring payment in XXXX why has it not been paying? They then told me today that my recurring payment was not set up properly and was cancelled ( I did not cancel this nor could they tell me who cancelled it or why it was cancelled ) I then was told about a different method to set up recurring payment today which requires me to send in a signed document ( this was never mentioned to me on my previous interaction with TRUIST in XXXX ) I was charged a late payment this time again of {$39.00} and they refuse to refund me for this late fee even though it is their fault for assuring me my recurring payment was set up correctly but it was not. 

These kinds of things happened to me when they were BB & T this is very unfair. I'm being penalized for their technical and/or customer service related incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with XXXX and Equifax. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX  and have never received any response. I sent letters XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
Product: Credit reporting or other personal consumer reports

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX  XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

I have utilized email address of : XXXX in the past with the business. I do not remember having a credit card product with this business since XXXX. See attached documents, on XX/XX/XXXX the business sent me an email stating " you're enrolled on online and mobile banking ''. I called the business on this date to advise that I did NOT open any credit card or checking account. Oddly, the business sent a follow up survey on XX/XX/XXXX, addressing me as " XXXX '', when in fact my name is : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Bureaus to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. Although I greatly appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there are still accounts and information remained that should have been removed. I recently received a copy of my credit report and was shocked to find that there are still items that I did not open and have no knowledge of being reported without being properly verified. I need the following items removed witho no exceptions : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed items truly belong to me, I require the Credit bureaus to send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report from Experian. I then cancelled the account. Experian acknowledged cancelling the account on XX/XX/2019, but keeps billing my credit card. They won't take my calls.
Product: Credit reporting or other personal consumer reports

I was fraudulently charged for XXXX $ for an XXXX transaction on XX/XX/XXXX at XXXX XXXX  after someone stole my citi credit card and havent received any credit to my account and am being forced to pay for it during investigation also have contacted them several times and tried to escalate but was told could take upto 3months for investigation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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.

I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX