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

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ). 

Unauthorized Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries.

Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.

I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.

I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

PNC bank has made a change that prevents me from linking my bank account to my investment account at XXXX. I've attempted several times to log in, but keep receiving the message that PNC is not going to allow me to access the account. I'd like the be able to access my financial data and spend my money as I would like by investing!
Product: Mortgage

Wells Fargo refuses to answer me regarding mortgage payments that I made. 
Wells Fargo requested more time to locate payments that I sent to them while stating they had no knowledge or re cord of receiving such payments. 
No, they ran out the clock and closed my case. 
Wells Fargo apparently denied receiving XXXX XXXX XXXX  from me while placing me into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting acts, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX XXXX XXXX 2. DEPT OF ED XXXX XXXX XXXX 3. DEPT OF ED XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors in my personal information that need to be corrected. I am requesting the removal of any inaccurate addresses and employer variations that are not associated with me. As required by the Fair Credit Reporting Act, my credit report should only include accurate and verified details. I kindly ask that this matter be resolved promptly to ensure the accuracy of my report and prevent any potential issues.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I loaded {$1000.00} from my XXXX XXXX onto my cash app card. I then asked for a money order for {$1100.00}. At XXXX The clerk at the store ran my cash app card for that amount and it came back as over the limit.AtXXXX  the clerk ran my card again but this time it was in the amount of {$1100.00}. It too was declined stating not enough cash. I immediately looked at my cash app balance on my phone and the funds were gone. The clerk at the store told me that Cash app never released my funds to the XXXX and thats why no money order was printed out. And my transactions were declined! I immediately called cash app customer service number. Talked to a live person and Cash app and was told that those funds were released to XXXX. The XXXX clerk called the store manager and told me the problem was on Cash apps end. I filled a dispute with Cash App and they denied my claim. I then went back to XXXXXXXX XXXX  and showed them that Cash app said that XXXX XXXX  had my money. XXXX then said that another manager was going to look into it. I waited 1day and went back to XXXX. XXXX then said upon further review that they didnt have the money but there was a dollar amount that day that did match my dollar amount but money was never received! Cash app states XXXX has the money. XXXX says Cash app has the money. All I know is I dont have it. I need my money back
Product: Mortgage

JFQ Lending sent me an unsolicited legal Notice of What You Need To Do regarding my current mortgage which is not with JFQ. Its false advertising maliciously designed to mislead consumers. Shameful. 

The JFQ letter also falsely claims that XXXX is the holder of my existing mortgage. That false statement is designed to get me XXXX and other recipients XXXX to call JFQ to ostensibly correct the error. Its not an error ; its a deliberate attempt by JFQ to get me to contact them... so they can solicit a sales commission under false pretenses. I hate to think about all the people they are fooling.
Product: Credit card or prepaid card

I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. 
I demand the accounts to be removed immediately. This is causing many difficulties in my life. 
*please remove all non account holding inquiries over 30 days old 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

1 ) I uploaded a letter from XXXX XXXX XXXX XXXX/XXXX/15. The letter from ( XXXX XXXX XXXX ) reported my XXXX payment as a 30 day late. XXXX, Transunion have not corrected this information. I have never been late. 2 ) XXXX, XXXX XXXX XXXX XXXX, is reporting a {$8100.00} balance amount owed on Transunion, XXXX lien on my credit prior to reaching out and allowing me to discuss correct amount or work with rep to get to verify if it was even owed. This is not correct either.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made various attempts in contacting lowes synchrony bank. They are reporting an account to my credit report that is not mines and i am not aware of either. i never authorize to be on such account and they have failed to remove me.
Product: Debt collection

Female called, verified my name and last XXXX SSN, sd this is about pending lawsuit from Capital One XXXX XXXX for XXXX procedure that I stopped paying in XXXX. Caller ID indicated she was in South Carolina, but I now believe it was SPOOFED ID. XXXX XXXX XXXX appears to be in XXXX, XXXX She advised if I did not make some arrangements today, Cap One would proceed with lawsuit. Asked if she knew the XXXX Statute of Limitations. She did n't even know what the term meant. Educated her it is THREE YEARS and that the SOL is expired. She stated they would go ahead and file and then XXXX. The use of CID SPOOFING is also illegal in attempt to collect a debt.The CID read : XXXX, XXXX XXXX. I initiated a trace, but XXXX XXXX can not release info to me.
Product: Checking or savings account

Chase  is deliberately manipulating transactions so they can collect insufficient fund fees. My apartment complex is always slow in depositing my rent check, So I watch very closely when it is removed from my account. As of last night  XXXX   XXXX  the check had n't cleared yet. I get paid by direct deposit. Today  XXXX   XXXX . This morning I hav e 2 i nsufficient fund fees. One transaction was there and had cleared no problem. If this check was " in my account during the business day '' as they claim I would not have been able to fund a bill off their bill pay site at  XXXX  that  XXXX . Nor would I have paid another bill because my account was low. Additionally earlier that day I stopped by the ATM checked balance and everything was fine. I would not have taken money out if they check was there. They have done this in the past and refunded the fees without a problem. Once they caught it on their own and reversed the fees. Second time I had to request it. Their claim is I have already been reached the maximum refund allowed. They always do this right when they know I get paid the next day. Tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX and Equifax about the wrong addresses reporting to my credit report. 

XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Payday loan, title loan, or personal loan

I was locked out of my Grain account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with grain in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, grain start charging an XXXX dollar fee which there was no option or ability to close account due to this fee
Product: Vehicle loan or lease

Hello, My fianc leased a brand new XXXX XXXX XXXX through XXXX XXXX located in XXXX Florida. On XX/XX/XXXX we turned in our XXXX XXXX XXXX completely paid off and proceeded to lease a brand new XXXX XXXX XXXX. Our original loan was through GM financial. We received late payment calls and emails from GM financial after XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX we receive 11 recorded calls from GM financial where we explain the situation over and over again. We stayed that we had turned in XXXX XXXX XXXX with a paid off lease and the dealership XXXX provided us paperwork that they would be purchasing the car from GM financial. On XX/XX/XXXX GM financial reported a late payment to the credit bureaus and this caused my credit to drop from over XXXX to the low XXXX. We did everything in our power and what was expected of us to turn in this car and get a brand new car and we specifically said to GM financial we did not want this to affect our credit The car was no longer in our possession and we paid off and completed the lease terms so it was not our responsibility. Every representative i had spoke to from GM financial told me that they would call XXXX and get to the bottom of it. We called XXXX XXXX many times to have this issue resolved and every call became less respective and difficult to work with their employees. Me and my fianc feel like XXXX tried to steal the XXXX XXXX and hoped that no one would notice. We need to have this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act ... XXXX XXXX XXXX XXXX # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

XXXX XXXX  on line with XXXX. Made one on line order {$100.00}. Tried to get XXXX XXXX for {$27.00} for third item. Called an off shore agent incorrectly add {$70.00}. Later XXXX hours of calls got USA agent for XXXX who corrected same order. XXXX received XXXX seperate authorization requests. In call XXXX hour XXXX agent in XXXX, XXXX. two reversal of authorization codes. I call bank with codes 4 days. Bank said would drop pending! XXXX! Day three got bank claim supervisor XXXX, who said he has codes and would authorize release of two of three duplication authorizationXXXX XXXX. Per XXXX. After XXXX hrs with bank the executive office open incident case. For 7 days these pendingXXXX XXXX authorizations have restricted my demand deposit checking acct. 
XXXX did not have two items ordered, therefore XXXX duplicate authorization will not drop off in XXXX hrs. Bank has unlawfully restricted the use of almost {$300.00} in a buying season. Please investigate!
Product: Mortgage

XX/XX/2020 Sub : Discrepancy on the refund amount after closing the below mortgage loan. 
Mortgage loan : XXXX Whom it may concern As per the Mortgage statement dated on XXXX XX/XX/2020 the outstanding principal balance for the above mortgage loan is {$410000.00} and the escrow balance is {$3000.00}. The final amount to the close the above mortgage loan on XXXX XX/XX/2020, as the bank stated, was {$420000.00}. That means the bank charged me {$2100.00} for the time period from XXXX XX/XX/2020 to XXXX XX/XX/2020. However, the interest amount for a loan with an outstanding principal balance of XXXX at the rate of 4.25 should be much lower than the charged amount. 
On XXXX XX/XX/2020 a refund check was issued for an amount of {$3200.00}, check number : XXXX, after the above loan was paid in full. However, based on the actual calculation I should have received an additional refund amount of at least {$440.00}. 
I request you to please take a look into this matter. Multiple inquiries were made to the Santander bank on XX/XX/2020 and XX/XX/2020 but no explanation was received. I request you to please take a look in to this matter with the attached documents. 
Thank you XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX
Product: Debt collection

On XXXX I flew into XXXX XXXX XXXX  and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was in an accident where the other party was deemed at fault. Lexisnexis is reporting it that I was at-fault for the accident when both insurance companies deemed it not at-fault and other party involved accepted full fault. The information on lexisnexis is incorrect and needs to be updated to Not At-fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting an account with child support enforcement on my credit report. I have never owed child support and this was reported and confirmed to be fraud. I have disputed this item several times with the credit bureau.