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

unrecognized inquiries Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you Credit Reporting Agencies permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.The inquiry was not authorized Please remove it from my credit report Dates of The Unrecognized inquiries FACTUAL DATA Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXXI Inquiry : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX A Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX XXXX XXXX XX/XX/XXXX Factual Data Consume XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all unauthorized inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any unauthorized inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Credit reporting or other personal consumer reports

This company never investigated my concerns of incorrect information being reported on my credit report. I have been denied so many times due to fraudulent information on my background. Everytime I reach out yo dispute, I never receive an answer back
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding inaccurate and unauthorized information that has been reported on my consumer report. I believe that this inaccurate reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request your intervention in resolving this matter promptly. 

The inaccurate information in question is detailed in my dispute letter sent to LexisNexis on XX/XX/2023, regarding Report Number XXXX. Despite my efforts to rectify these inaccuracies directly with LexisNexis, no resolution has been reached, and my consumer rights continue to be violated. 

The disputed items include : Identification Records ( XXXX XXXX XXXXXXXX ) Multiple names associated with my LexID without my authorization. 
Section 2 - Address Characteristics Records Unauthorized address variations reported on my consumer report.

Section 5 - Online Marketing Records Records reported without my express permission, violating my right to privacy.

Section 8 - Insurance Policy Records Insurance policy records reported without my written consent.

Section 9 - Department of Driver Services Records Driver services records reported without my written authorization.
Product: Credit reporting or other personal consumer reports

For XXXX and XXXX it's shows that the account is past due 60 days in the amount of over {$1500.00} in which the vehicle was totaled in XX/XX/2023. I've disputed over and over to be told it's correct. XXXX XXXX paid over {$23000.00} on the account in XXXX didn't reflect on my credit at all, then XXXX paid the reminder in XXXX in the amount of over {$9000.00} yet it XXXX and this account is still negatively affecting my credit. My scores had dropped drastically and something has to be done immediately. I've worked hard to get and try to keep my credit good, I was planning to purchase a home before this incident in XXXX. This is ONLY thing that's affecting my credit.
Product: Money transfer, virtual currency, or money service

After 2 years of using paypal for XXXX XXXX  our business account was banned for zero reason. We sell approved items that our competitors sell on XXXX with XXXX issues. Our business is 7+ years old with very little refund issues and one day paypal decided to ban our account with no reasoning. 

Why back a merchant that will turn their back on you with no comments back or way to fix whatever was not " in their standards ''. Others are allowed to use their service but if they paint you as a black sheep youre better off using another 3rd party payment system than thinking theirs any longevity with this company.
Product: Consumer Loan

XX/XX/2010, I financed a used vehicle with Capital One Auto Finance. The original amount financed was about {$23000.00} with a monthly payment of {$530.00}. I have paid on the account since 2010 and the balance is currently reported at about {$2600.00} after over 6 years. I noticed when reviewing my account that they are applying about 50 % of my payments towards interest despite the fact that my interest rate is about 18 %! For instance, when making a {$530.00} payment ; the report says that about {$400.00} is applied to principal and {$100.00} applied to interest! This practice has gone on for as far back as I am able to view online. There is absolutely no way that this is accurate! They have also reportedly lowered and raised the balance after credit disputes. Their practices are absolutely dishonest and I will be contacting an attorney for review in the next week. I am greatly disturbed by this company and its practices. I then called because the website would not work to get me 4 extra months or even 3 months to add to an auto loan so I called customer service, she was rude and very knowledgeable, keep putting me on hold because she did n't have the answers to my questions. I then received a call from a lady from Capital One Finance office and she said that I would have to pay at least XXXX by XXXX XXXX for them to even consider allowing me to get extra months added to my loan. For my loan to be considered paid in full all I owe is XXXX which is about 4 payments at the regular rate.
Product: Money transfer, virtual currency, or money service

In Venmo I requested my nephew transferred me {$1.00} to my account for testing, than I transferred {$1.00} back to my nephew for testing. After that I requested my nephew to transfer {$990.00}. He transferred me {$990.00} to my account. My sister transferred me {$990.00}, {$1500.00}, {$520.00}. After that I tried to transfer it to my bank account from Venmo but they put limitations on my account and frozen it and asked me to submit the documents for proof on XX/XX/2022 and told that they will verify and remove limitations from my account with in XXXX business days. They sent me email that my identity is confirmed on XXXX XXXX. Still it didn't worked than I called on customer service and they told me to wait for XXXX days. But I got email from Venmo team on XXXX XXXX that : After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Even though we submitted all of my required documents. On XX/XX/2022 I emailed them for getting our money back as we were not doing any illegal activity. Still they replied the same that my account is being deactivated by them also mentioned that my emails will be no longer replied by them. 
On XX/XX/2022 I called in customer service of Venmo they told to wait for 180 days for our frozen money in Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  and TransUnion on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a business account with US BANK that I called to inquire on balance and limit. After hanging up with representative I started getting alerts that my credit was pulled. When I called back n one seemed to know what was going on and me to call back the next day. I soon found out that a personal credit card was opened in my name from the representative and now I have a hard inquire on my credit report that US bank said they can not remove because of their mistakes. I want this inquire removed from my file that was generated on XX/XX/18. I did not apply for new credit and I believe the representative pulled my information without my consent.
Product: Consumer Loan

Consumer Portfolio Services has reported that my car loan was charged off even though I had made payment arrangements with them. They never disclosed to me that they would charge off the account nor did they notify me about this
Product: Credit card or prepaid card

On XX/XX/2021, my wallet went missing with a number of credit cards. I think it was at XXXX as I last used a ( different ) card at the framing counter in the back of the store. The thief/thieves/individuals used several cards to make unauthorized purchases/transactions at XXXX XXXX and one at XXXX that successfully went through as I was simultaneously cancelling cards upon discovery of the missing wallet. Between XXXX XXXX, as I discovered the charges, I contacted or followed up with the banks the charges were made. Bank of America for my Visa ending in XXXX was one of those, for a charge of {$960.00}. ( Noteably, one other card was used for the same amount at XXXX XXXX and another card was used for a {$590.00} charge at XXXX XXXX all within 30-45 minutes since I last had my wallet and noticed it missing. ) On XX/XX/2021, Bank of America sent me a letter denying my fraud claim, further opening the wound by saying I " agreed to assume responsibility for the balance of {$960.00} ... '' I did no such thing. 
I appealed that decision via phone, speaking with customer service rep XXXX. I gave the police report number. # XXXX XXXX with the XXXX Police Department. 
On XX/XX/XXXX, I was sent another letter, denying my appeal and saying their decision to decline the claim hasn't changed. It said " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' There are no other authorized users and I did not use the card to make the purchase or any purchase at XXXX XXXX on that day or the days leading up to it. '' If the physical card was used by an unauthorized user that should not make me responsible for it. Bank of America claims to protect consumers and holders of their cards, but in this case they have not held up their agreement. I request/beg that you take action. If I made the charge, I would totally accept it, but this is further victimization of a crime and is incredibly unjust.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Fund ( EFTA ) and Regulation E. These actions has caused inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account SYNCB/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with SYNCB/XXXX XXXX XXXXXXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the SYNCB/XXXX account must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern, I just pulled my credit report and discovered that a late payment account # XXXX Around that time, I temporally was in between employments, at the I was going through a divorce and moving back home however I was able to get a new job assignment and was once again able to make a payment to satisfy the remaining balance on credit card payment. 
I am just now realizing I had a membership fee and I never fall behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my credit cards, making them a priority.

I wish I could reach back and fix it, Im not proud about this negative spot on my report, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the charged off status from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 
If the late could be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I have numerous accounts with almost all the credit score companys and I have a three scores from all three companys but for some reason when someone does a credit check on me the credit score that they have which always disqualifies me is because the number is way inaccurate and I'm talking real bad like today expirian shows me that I have a XXXX credit score but I just received an email from a loan company stating that my credit score with expirian is XXXX. Now thats a huge difference and like I said I believe that it's not doing anything but making my credit look more worse then it already is. So who's in the wrong or who has the wrong information and can this be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to being in the middlr of a mortgage loan and closing in 4 days. I reached out to ally to make an extension for XXXX and XXXX. They agreed with payment of XXXX before XX/XX/XXXX. This morning my credit recieved a negative mark dropping it XXXX points and disqualifying me for the loan. I spoke with a customer care rep who documented the conversation and confirmed the agreement MOVES the due date to the back the loan and once the XXXX is paid the account is current but will not reflect on my credit report.. this is unacceptable! If an agreement is made and it is to not harm my credit and does with the additon of the XXXX paid bf the XXXX the account will be current but it will reflect on my report??????
Product: Mortgage

Nationstar mortgage acquired my loan in XX/XX/XXXX. They refused to honor the modification that I was in, did I was behind, and were foreclosing, giving me no options to save the home, and not accepting payments. I finally just listed the home for sale the middle of XX/XX/XXXX and found a buyer quickly. My principle balance is {$60000.00}. Nationstar came back with a payoff on XX/XX/XXXX of over {$100000.00}. I called on XX/XX/XXXX to find out why and was told This amount includes a modification fee of {$12000.00} and over {$5000.00} of lender paid expenses. Over {$12000.00} of interest and almost {$10000.00} in escrow fees. I requested an itemized list of charges, which will take a week to repair, and asked to speak with a manager about having the modification fees removed since they never have me a mod. The representative said that I was right they saw no modification on my file and that he would send a note but refused to let me speak to a manager about the issue and said that he had no authority to remove it, that would have to be decided by management. I again asked to speak to someone in management, and was told that it was n't possible. I need at least the {$12000.00} removed, and by my calculations I was over charged for escrow by {$4900.00}, and there are probably more fraudulent charges on there as well that I need investigated, or I will make nothing from the sale of my house, and me and my children will be homeless in ten days when the sale closes.
Product: Debt collection

The consumer agreed on the disaster COVID-19 payment from XXXX XXXX XXXX. 
This company agreed to XXXX XXXX XXXX payment and was paid in full for {$1200.00} a month for XXXX months fromXXXX XXXX XXXX. 
XXXX XXXX XXXX do not pay late charges. 
This company has double the charges for the time that I live there the rent was only {$1100.00} a month and I only lived there for XXXX months and then they agreed to the Texas rent relief COVID-19 program payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. 
Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than XXXX points. 
Again I contacted them and now they say that I have to wait more than a month for an answer.
Product: Payday loan, title loan, personal loan, or advance loan

I repaid my insta cash and left {$250.00} in the account, they suddenly decreased my limit and took {$100.00} leaving me with {$140.00} instead of the {$250.00} that I paid to have in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been well over a year now, and I'm still battling with XXXX  and Experian to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the XXXX 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my mom a car and was denied due to accounts on my credit that are not mine and dont know anything about. This is really a crazy because Im confused how this could happen. I thought maybe the dealership was just giving me a hard time so I went to my bank to apply for a personal loan because I knew they would be honest unlike some car dealerships. I was also denied there as well. I'm doing this on my own behalf and i contacted my ftc and police department. Please remove these items that are not mine. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX.