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

Re ; Unauthorized hard inquiries on EXPERIAN I have a concern with several unauthorized hard inquiries reporting unfairly. Experian received my 2nd unauthorized hard inquiries on XX/XX/XXXX at XXXX XXXX  via usps certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian has not even initiated an investigation, this is my 2nd attempt to EXPERIAN. 
I demand they investigate these unauthorized hard inquiries and send me results. 

The following unauthorized hard inquiries need to be investigated and deleted immediately per FCRA federal law 604. 

Creditor : XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX Please comply with my request
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I submitted a payment of over {$4000.00} to XXXX XXXX XXXX. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with XXXX XXXX XXXX for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter containing inaccurate information was sent to Transunion XX/XX/XXXX describing inaccurate information pertaining to Louisiana office of student loans. According to the FCRA they are supposed to contact me about the dispute. They received the dispute letter XX/XX/XXXX and never contacted about the items in question. They are in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Checking or savings account

To whom it may concern, I am writing to express my extreme disappointment and frustration with Sofi regarding the denial of my chargeback disputes related to unauthorized transactions on my account. 

My card was stolen and used without my authorization to make purchases totaling over {$3800.00} at stores such as XXXX  XXXX, XXXX, and XXXX. These charges were made multiple times at the same locations for large dollar amounts that are not typical of my spending habits. 

Despite my immediate action to report the stolen card and the unauthorized charges to Sofi, my chargeback disputes were denied. This is unacceptable, as I did not authorize these charges, and my bank did not alert me of these transactions or take action to stop them, even though they were clearly suspicious. 

I urge Sofi to reconsider their decision and refund the unauthorized charges to my account immediately. I also request a thorough investigation into why these charges were not flagged as fraudulent and why my chargeback disputes were denied. 

I expect a prompt response and resolution to this matter. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Im in school and Im not able to afford the payment and they reported to XXXX and credit score and report was listed as delinquent which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Several attempts to work with Chase Bank regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted Chase and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.
Product: Mortgage

Rocket Mortgage Loan on XXXX XXXX XXXX XXXX, XXXX TN, XXXX. 
We have made several payments over the last XXXX  days and they charged us interest XXXX  times. 
XXXX : {$880.00} on XXXXPayment of {$1000.00} ( which is the normal amount-Loan Balance of {$120000.00} and XXXX  % -Not disputing this ). 
Then on XX/XX/XXXX payment of {$14000.00} was applied to Principal. 

XXXX : Then, on XX/XX/XXXX a payment of {$6000.00}, they separated into XXXX payments, {$4900.00} and {$1000.00} ( where we were charged {$780.00} in interest and with a Loan Balance {$110000.00} ). 

XXXX : Then on XX/XX/XXXX a payment of {$4000.00} was also split into XXXX payments, {$2900.00} and {$1000.00} where we were charged interest of {$750.00} ( Loan Balance {$100000.00} ).

They claim through an email exchange that the payments were applied to future months essentially charging interest that has not accrued yet. 
Below is their response copy and pasted from my email : " Good morning, Thank you for reaching out to us. We do understand your concerns. When looking at your payment history, I do show that the payment you made on XX/XX/XXXX was applied to the month of XXXX, the XX/XX/XXXX payment was applied to the month of XXXX, and the XX/XX/XXXX payment was applied to the month of XXXX. 
Per your loan agreement, part of your monthly payment will be applied to principal and interest, this is why the payments reflect the interest charges. You can view your monthly payments online via your online Rocket Mortgage account that will provide a breakdown of how payments are applied. '' Is it legal to charge interest that has not accrued yet?
Product: Checking or savings account

I was ABUSED by a female call center " supervisor '' of Chime, she HUNG UP the call on my face. That's a XXXX standard, that's a Chime standard, that's NOT my standard. The app does not let me close my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my Equifax report that I did not authorize : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I have a loan to pay off at Moneylion I tried to deposit or cash my check and they refused to assist me as I'm XXXX in my hospital bed I asked them to either help me to deposit my State Teachers Retirement check to my account or if they couldn't accept my payment How am I supposed to pay them? 
They refused to help me and I sent a physician statement that I am indeed XXXX I served my country in the XXXX I served as a XXXX  in XXXX XXXX  for 10 years I have a master 's in Education I just hoped that I could be treated as a Citizen of the country I served
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified request with id, and all required documentation to Equifax postmarked XX/XX/19. I received a letter from Equifax that they did not receive the documentation. I complained via cfpb who then notified the company. My request asked for Verifiable Proof ( an original Consumer Contract with my Signature on it ). to date, I have not received Verifiable proof from Equifax. Since it took much more than 30 days without the requested proof sent to me, this exceeds legal guidelines. Under the FCRA, unverified accounts must be removed from my credit report. Since Equifax has exceeded 30 days in this matter, I want the accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Product: Student loan

I attended XXXX in XXXX, GA from XX/XX/XXXX until XX/XX/XXXX and the school I attended closed down.
Product: Payday loan, title loan, or personal loan

The company is XXXX XXXX XXXX. We had an issue with our account being compromised so that account closed and there fore the check didnt go thru. We had moved and didnt have the funds then to pay it. Well mid 2018 there collections dept called and threatened to file criminal charges on my husband. 1 being theft and then the second being theft by deception. We set up a payment arrangement to pay it off. They didnt need to threaten criminal charges we just couldnt find out how to pay it til they called. Well I have worked in collections before and knew that was not ok. This morning some one called looking for my son in law and told me it was important and that there was a case pending against him in XXXX county. I get the number and my son in law calls and they tell him the same thing. That they are going to file criminal charges against him if he doesnt pay this. I looked up the laws and this is clearly a violation. We dont have any receipts because this was 3 years ago for these loans.
Product: Checking or savings account

On XX/XX/XXXX I XXXX XXXX submitted a fraud claim, Claim # XXXX for unauthorized activity regarding charges that were made from a foreign country primarily in XXXX and XXXX. I am a XXXX XXXX XXXX woman and am not computer savvy. I can assure you i did not make those charges in those countries. BOA stated the denied my claim because I stated a charge was authorized on a specific date. I am not tech savvy and I might have accidently stated that a charge was authorized when they sent it to my email. It is very difficult for an American citizen to be in XXXX so I don't know how my car was used there. I am requesting a provisional credit for all unauthorized activity on my account immediately per Regulation E guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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. 

In accordance to the Fair Credit Report act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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. 

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report. I have no explanation for how they got there, as everything was fine during my previous checks. I refreshed my browser several times to see if it was an error, but the accounts didnt disappear. As a result, Im asking that my documents be carefully reviewed to prevent me from ever worrying about this issue again.
Product: Debt collection

The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF MAY XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting a XXXX XXXX account late 10 months after the account closed. Comments read : ( 30 days -2 ). The account was closed XX/XX/XXXX. They are reported late payments on XX/XX/XXXX which is 10 months after the account closed. All payments made on time. See attached documentation from XXXX XXXX. 

I have tried to rectify this with Equifax : 1 ) filed dispute on XX/XX/XXXX, faxed paperwork on XX/XX/XXXX and XX/XX/XXXX ; called and spoke with Equifax rep in XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

This needs to be rectified ASAP as this account is from 4 years ago. 

Also, XXXX and XXXX recorded accurately. See commentary in previous disputes with CFPB. 

Thank you.
Product: Consumer Loan

Hello, I contacted you last year about Maxium Title Loans harrasing me over a unpaid loan. The case number that I was given XXXX. 

We eventually went to court on this matter and the judge ordered that I would have to pay {$730.00}, which what was owed when I defaulted on the loan after paying almost a year on it. 

I was going to have my wages garnished. The judgement came on XXXX XXXX, XXXX. 

I received a call at work on XXXX XXXX, XXXX from somebody probing my coworkers for information. I had already left for the day and my coworker referred them to my human resource department, XXXX. There was also a voicemail left on my work number as well saying to give them a call. Within 30mins of my coworker calling me about the call they got, I received a phone call on my personal number. My number is not associated w/my name and can only assume that my HR department gave them my personal number. 

The number Maxium Title Loans called from was XXXX XXXX XXXX and the gentlemen said that they were going to move forward on garnishment and did I want to work something out. I was in shock that they were calling me after being instructed never to call me at work and they could have not have had my personal number without getting it from my employer somehow. All that information was in the first complaint. 

I told the gentlemen that we were in court almost a year ago and I have been waiting for the garnishment since the court date. The gentlemen said that I owed the company over {$1300.00}. I told him that my paperwork said that I owed {$730.00} and it 's not my fault that they waited almost 1 year to get an extra {$600.00} on interest. NOT FAIR!! I told the gentlemen to do what he needed to do because I was not working anything out with him or his company. The garnishment should have taken place immediately after our court date and not 1 year later to gain interest. I am also reaching out to the courts where the judgement came from to see if I can get back into court for this delay that will cost me {$600.00} ( case number XXXX XXXX ).
Product: Debt collection

I received a letter in the mail from wakefield associates XXXX XXXX XXXX XXXX XXXX TN XXXX ) stating that I owed {$120.00} for a medical bill from XXXX XXXX XXXX. However I have never had any medical visits with XXXX XXXX XXXX. Several times I have called Wakefield associates and have requested all documentation of this bill and still to this day I have never seen any documentation signed by me stating that I owe XXXX XXXX  XXXX. I have disputed this several times and Wakefield will not show me documentation or remove this from my credit report. Therefore, I have no choice but to start filing complaints until something is done with this issue