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

I am writing to formally file a complaint regarding unauthorized credit inquiries on my TransUnion credit report. These inquiries were made without my knowledge or consent, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.The following inquiries were not authorized by me : 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. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, credit reporting agencies are required to ensure that only permissible and authorized inquiries appear on a consumers credit report. Section 1681b defines the circumstances under which a consumer reporting agency may furnish a consumer report and stipulates that a credit inquiry can only be made with the consumers authorization.Furthermore, under 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information on their credit report. The consumer reporting agency is then obligated to investigate the dispute, and if the information can not be verified, it must be removed from the report.In this case, none of the above-listed inquiries were authorized by me. I did not recognize nor consent to any of them. My attempts to dispute these inquiries directly with TransUnion, in accordance with 15 U.S. Code 1681i ( a ), have not resulted in their removal.Additionally, under 15 U.S. Code 1681n, I may be entitled to statutory damages if my rights under the FCRA have been willfully violated, which I believe is the case given the failure to remove these unauthorized inquiries.I respectfully request that the Federal Trade Commission investigate this matter and ensure that my rights as a consumer are upheld, specifically under the aforementioned sections of the FCRA. I further request that TransUnion be directed to remove these unauthorized inquiries from my credit report, and that steps be taken to prevent such unauthorized actions from continuing to harm my credit score and financial standing.Thank you for your attention to this matter.
Product: Credit card or prepaid card

Yard card finances lawn equipment through td bank. I mail my payment through my online account at XXXX XXXX every month. They applied my XXXX payment to the wrong account. I have contacted them by phone and email and they can not straighten out the problem. My account number with yard card is XXXX. The account they credited payment to was XXXX.
Product: Credit reporting or other personal consumer reports

Credit Reported Agency will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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
Product: Debt collection

Check & Go repeatedly calls me and leaves messages, I am NOT a customer of theres, but they leave messages regarding " my upcoming appointments ''. I have called them multiple times, they want date of birth and SSN, repeat, I am NOT a customer! I have called to be removed only to be given other # s to call or websites which both options ask for personal private info. They leave so many messages it fills up my voicemail box. Most recent call was XX/XX/19 @ XXXX XXXX mst. I called only to get the run around again.
Product: Credit reporting

Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.
Product: Checking or savings account

Two transactions happened on my account and both times I received a text from my bank asking if it was me and I said that this transaction was not me. I filled a dispute for both transactions. I asked my bank for the name address and phone number of the company that took the company and the bank was not able to locate this information.
Product: Credit card or prepaid card

Chase 's response on XX/XX/XXXX to my complaint filed with CFPB on XX/XX/XXXX ( complaint ID : XXXX ) was not correct and the provided documents didn't support/relevant their response. Thus, I would like to file re-open this complaint. 
Now, On Chase 's response letter, Chase said that their denial decision to deny my 2nd dispute for the transaction of {$6000.00} was based on 3 reasons. Thus, I disagree to these reasons : 1 ) Chase said that " The merchant already responded by providing a copy of the signed contract and confirmed that the services were rendered. '' I disagree because : Page # 6 of the attachment ( which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) is the failed inspection notes from my city inspector. One of these notes was dated on XX/XX/XXXX. These notes are the evident to prove that the Chase 's response was NOT reflected the true/reality of situation because the services are NOT rendered yet due to the failing building code of city inspection issue. 
The copy of the signed contract is just the contract to enter the project, it has nothing supported or confirmed that the services were rendered or completed. 
2 ) Chase said that " Because we did not receive any supporting documents to prove that the services that were provided were not as agreed upon or a second opinion letter as requested, we could not confirm a billing error occurred '' ; I disagree because : After I filed the 2nd re-dispute, on XX/XX/XXXX I received the letter from Chase Dispute Department ( details on the page # 2 of the attachment and which also attached along with my complaint submitted to the CFPB on XX/XX/XXXX ) which instructed me that Chase would contact me if they need more information to dispute the charge. Thus, since this letter mis-instructed me, I held on the supporting documents for my 2nd dispute to for someone from Chase to contact me to obtain it as the letter 's instruction. Additionally, I had contacted Chase disputed department several times and always got the same above instruction that well contact you if we need more information to dispute the charges.. 
3 ) Chase said that " We are now past the dispute timeframe ''. 
I disagree because : Chase 's response also confirmed that my 2nd dispute was filled on XX/XX/XXXX while the transaction was done on XX/XX/XXXX. According the Chase 's guideline the dispute timeframe is 2 billing cycles. Thus, my 2nd dispute was file within the dispute timeframe allowance. 
Thus, Chase couldnt provide any reasonable reason including the document to support their wrongful denial decision on my 2nd dispute on the response letter on XX/XX/XXXX. Thus, Chase should approve the dispute because it was filed with the reason of non-qualified service which proved by the fail inspection notes from my city inspector document which detailed very clear which and how and where the job was done non-qualified.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IL, XXXX. TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team XXXX XXXX XXXX, XXXX, PA XXXX Date Re : XXXX XXXX + # XXXX Dear [ TransUnion XXXX XXXX XXXX, Attention : Consumer Dispute Team ], I previously sent a request for investigation under FCRA 611 ( a ) to your company on [ Date Previous Letter was Sent ] regarding the following issues that account XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX I received a letter stating that you have " verified '' the information. I am : now requesting that you provide physical documentation to support this information on my report. According to the FCRA, information must be 100 % verifiable and accurate ; otherwise, it must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report due to the. This is my second request for details purported eviction. If you can not provide the requested documentation within 15 days, THE FTC REPORT NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous disputes through Transunion regarding the incorrect reporting by XXXX XXXX XXXX. Transunion is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Transunion, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX  XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Transunion during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX  XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Transunion to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40   days ) and XXXX  XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX  XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Transunion to remove XXXX XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw inquiries I did not recognize or authorize. I am requesting the inquiries be removed from my XXXX, XXXX, and XXXX Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first became aware the XXXX XXXX account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet
Product: Mortgage

My wife and I are looking to purchase our first home and reached out to Cardinal Financial to complete an application and obtain a pre-qualification in order to put in an offer for a house we've like. We spoke to XXXX XXXX, Senior Loan Originator at Cardinal Financial ( NMLS # XXXX ). XXXX guided us through the process and then wanted to start the application over the phone. I was not comfortable providing my SSN over the phone, and wanted to provide it in the online mortgage application. XXXX was very insistent that I give him my social. I ultimately did not, and proceeded with the online application. XXXX emailed me later in the day accusing me that I had provided a fake SSN in my application. I was highly offended, but more importantly, I'm concerned about any potential SSN privacy issue. I would highly appreciate if CFPB can investigate this case with XXXX XXXX and Cardinal Financial more broadly on any potential data provacy/fraud issues.
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it is not a mistake. My credit report contains mixed and inaccurate information, with accounts, transactions, and items that are not associated with me. This situation is extremely distressing and is causing unnecessary stress and XXXX in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows I have 3 open auto loans while I only have one. The auto lease is due on to mature onXX/XX/XXXX. Please investigate the contract agreement XXXX XXXX XXXX shows I have reposes which I did not. I paid the whole 36 months as agreed. Please investigate the contract agreement Transunion Credit Bureau is reporting negative things on my report while it does not appear the account in good standing that is paid off. There is aXX/XX/XXXXXXXX XXXX which has been paid off the XXXX XXXX and is not showing up on my account. Instead someone elses account shows negative on my name. Transunion is reporting that I owe {$11000.00} on credit cards while I dont owe it as I have automatic payment on my credit card. I do not owe what is reported on Transunion. This specific company gives a very low rating to most of us consumers due to its inaccurate reporting.My 4 credit cards have been closed due to Transunion. It did destroyed most of the things in my life. I kept getting declined by the bank because of the Transunion report. This reporting agency should be shut down. It destroys lots of American consumers. I will be losing my job and will be homeless with my XXXX children. I blame Transunion Credit Bureau for my loan getting declined. 
XXXX XXXX XXXX closed my account after I reported that my checking account was hacked. I have to shut down my checking account and open a new account. I reported theft on my two credit cards from XXXX XXXX XXXX. After complaining it, my card got closed and was reported as charged off. I need help to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

All three XXXX credit bureau. Please correct all information atleast on personal information. 
Attached is XXXX credits information. 

there should be only XXXX NAME, XXXX Address, XXXX DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt on Court of law. I dont think FCRA or FTC can bends you hands
Product: Credit reporting, credit repair services, or other personal consumer reports

A home depot/citibank card ( starting with XXXX ) is showing a charge-off in XX/XX/2018 on XXXX ; however, this is no missed payments showing previously. Thus, the charge is clear attempt by citibank & XXXX to negatively affect my credit report for more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Credit Reporting Agency did not follow legal process and remove the erroneous reporting information within the legally prescribed timeframe of 30 days after all documented evidence of such occurrence had been served effectively. Upin information and belief, XXXX XXXX and XXXX   Consumer Credit Agencies have removed said erroneous information from said credit report.

USPS certified receipt number # XXXX  sent on XX/XX/XXXXand was received by XXXX XXXX XXXX  on XX/XX/XXXX. Since this time has elapsed no response has been sufficiently received from dispute as legally prescribed by law.
Product: Vehicle loan or lease

We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX   and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment. 

A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed. 

They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved. 

We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used. 
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen. 

Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed. 

Of course we do not agree with what they did to us and we demand a full refund of our down-payment. 

The day we returned the car they kept all the original documents, including the Contract Cancellation notice.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with Experian, XXXX, and XXXX XXXX back XXXX XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.