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

Dear CFPB, I am writing to file a complaint against Mazda of XXXX XXXX, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, XXXX I visited Mazda of XXXX, NJ, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash.

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold six days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

Company name : Square. inc. ( Squareup ) My ID : XXXX Account name : XXXX I was small business owner planed to provide online divorce service as XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, Registration # : XXXX. 
The business closed by Square. They hold my money without reasonable reason. They said their decision is final will never release my money to me, but refund to customers. 

The total stolen my money by Square is {$18000.00}. It's been 4 months already. Today I asked my money again with XXXX. They declined and told me their decision is final they will not release my money to me but they will only can refund. 

3 customers ordered for divorce services and paid court filling fees. These money hold by square with no reason. I contact them to release the money but they denied. 

I could not process legal service without money. I had to refund them from my own money because Sqaure hold the money. I had not enough money and it is these guys responsibility I used my owned credit card purchase using square to refund money to customers.However, It failed because these square people hold this transaction again. 

This square company greatfuly hold my credit card purchase too. And this their good reason to hold this money forever. I found out alot of square small business customers having similar issue. they never release money. and they use these money to but other company ( please XXXX square complain and acquisition ) Right after I complained about the holding. They distinctive my account. There were no record left. All my {$18000.00} was gone. I contacted them so many times then the account appears again. They intentionally tried to get my money because I guess my email account is foreign and it is easy target. 
They are holding my money without no reason ( there are no charge back ), dis-active, keep denying because I am sure they discriminate. This is illegal irrational and impossible happen in human world. 

I am keep asking my money back since fist day but the customer service is asking me to refund. I know and these square people know I can not refund these money because refund means loss all the money. I already refund them using my owned money to customers. Square know I will never refund.That 's why they are so bravely holding my money and keep use my money to something else. 

Help. I need my money back. Business closed. I am personally and financially damaged by square.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint regarding unknown things that I have on my credit report. I already sent credit bureaus my letters on XX/XX/2021 and It has been over 60 days and I still see those inaccurate data in my credit report when they should have already been deleted by now. I humbly ask you to help me resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian opened an account in my name which I never authorized. I had used the service prior to purchasing a vehicle back in XXXX of 2018. I had no intention of being charged monthly for a one time, as they advertised, " Free Check. ''
Product: Mortgage

We are first time home buyers. We bought our home in XXXX our mortgage was with XXXX for about XXXX months and then was bought out by GreenTree. In the year of XXXX our taxes had gone up from XXXX to XXXX. When we received our Escrow yearly statement XX/XX/XXXX it stated our mortgage was going up. We had the option to pay {$900.00} for the shortage with a permanent increase or do n't pay the increase but that too would be added in the new mortgage amount for a year until it was caught up. I paid the {$900.00} and mortgage went up over XXXX dollars more monthly. I was devastated as my mortgage is at a 30 year fixed rate XXXX FHA XXXX. My mortgage was {$2200.00} and climbed up to over XXXX and that was after I paid the shortage. There have been no tax hikes since then. This again, XXXX XXXX, I received my escrow yearly statement and again the mortgage company stated they were raising it yet again. Same exact thing as last year, I could either pay the {$900.00} shortage amount or it would be rolled into the new mortgage amount, this time it was even worse, my mortgage is now up to {$2500.00} dollars monthly, I could not afford to pay the shortage. I am so afraid of losing my home due to all of this as it does n't make sense. I called GreenTree and spoke to XXXX who is the supervisor, she was of no help and could n't really answer any of my questions. My taxes on my escrow are over {$4600.00} I asked her why, because they are XXXX yearly. She told me it was a projection for next year in order to protect me, she also told me that should could n't promise that it would n't happen again for next year! I told her, your company told me the same exact thing last year and that thank XXXX I had the money to pay the shortage then, as I would be in big trouble due to the hike in the mortgage this year. It 's no wonder people are losing their homes. She offered no help what so ever. I feel like something is n't right with this type of practice. I can not pay over shortage this year which is {$900.00} dollars again, now I am forced to pay {$2500.00}. I said to XXXX that this is supposed to be finance company, and their projections have been horrible, she said it was their fault as I was n't assessed correctly from last year. I told her, so I have to pay for your company 's mistake? How can my mortgage keep permanently climbing every year with out anything to show for it? There is nothing in my escrow, where is all my money!!!! I would deeply likely an investigation done on this company. I am so fearful this is going to happen again next year. I do n't want to lose my home. I have a XXXX spouse and just ca n't afford to pay much more in my mortgage. What ever is being taken from me, I want it back and I want to pay for the mortgage I signed on for in the beginning of all this. I have n't even owned my home for XXXX solid years and my mortgage has been raised over {$300.00} dollars per month. 

Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I joined Citi Bank and started my direct deposit for my XXXX XXXX checking and within the first day my account was blocked twice. My card was turned off multiple times and my XXXX was also blocked. I called about my online access being restricted and the bank continued to state that it was a security measure that my account was being restricted. Now this is the seventh time that my account has been restricted and I have tried to use my debit card only to learn it was restricted yet again for fraud with out any knowledge or messages for a reason. This bank is HORRIBLE for consumers and should not be allowed to do this to people because it should not be this hard to access your money.
Product: Debt collection

Fraudulent account. Opened without my knowledge, consent or authority. Please remove.
Product: Debt collection

Collection company placed debt on credit report on XX/XX/18 that was not verified to be my debt. Notification of debt was never received. I do not owe this debt. 
SECURITY CREDIT SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX is the company for {$1700.00}.
Product: Student loan

I have been paying on XXXX loan now XXXX since XX/XX/2005. I was n't working for a while and then returned to school. During that time I was paying interest only payment. I was told last year that my interest only expired and I have to pay {$210.00} per month. I discussed with the staff and was told that there is nothing they can do to lower my payment. I told them I can not afford {$210.00} but will make an effort to pay {$100.00}. Even so they are adding late fees and calling me threaten to send my name to the credit bureau. I 'm having a hard time because I have to pay other loans. I do n't known what to do because it is stressful. My XXXX XXXX went up and I have to be taking medicine. If the com [ any send my name to the credit bureau I will not able to receive credit from anyone. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent report was made on XX/XX/2022. 
In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act as a military family they have violated the SCRA ACT as well. Due to the hardship resulting from it the incomplete BILLING ERROR reported on the TRANSUNION CREDIT REPORT by XXXX XXXXXXXX XXXX  # XXXX The billing error is Status 30 days past due Status updated XX/XX/2022, Balance {$1200.00},.
Product: Student loan

Multiple emails, phone calls are unanswered. Their chat option doesnt work, they never call you back, which I NEED because they gave me information saying I qualified for a loan extension, but that Lon extension form they told me I qualify for is not available. I cant get ahold for anyone in over a month.
Product: Credit card or prepaid card

3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.
Product: Credit reporting or other personal consumer reports

I need the incorrect addresses removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX Affirm advertised a {$400.00} line of credit, I applied for the loan they took {$200.00} from my bank account and offered {$200.00} payment, using bait and switch tactics.I called and complained they then reduced my credit line and took my $ XXXXThen said I had been denied for the loan after saying I was approved and offered credit.I had to wait XXXX to XXXX business days to get my money back. This is bait and switch at it's highest level.This is not the first time this has happened, and is happening to multiple people.They are using deceptive language to bait customers to give them there money and then hold onto it.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fixing Credit Consumer financial protection bureau -submit claim Improper use of report Message to copy : In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I pulled my credit report from XXXX XXXX to discover I have a " mixed file ''. There is another person listed under the Equifax part of my report, along with inquiries and loans which do not belong to me. I attempted to resolve this through Equifax, but since I have a mixed file, they can not verify any of my information or allow me to file a dispute. 

*I attached a copy of the credit report, and everything on it does not belong to me. I also attached a copy of the personal information reported under Equifax, which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incomplete information being reported on monthly basis which is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from XXXX, Experian and XXXX. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from XXXX, Experian, and XXXX. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to XXXX, Experian and XXXX on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 2 dispute letters to Transunion on XXXX XXXX and on XXXX XXXX to dispute two bankruptcies reference XXXX, XXXX, and a tax lien reference XXXX that are not mine and do not belong to me. I asked them to provide proof that these were my accounts and they have fail to do so both times. The response I received from them is that they are valid and updated, but they have failed to provide me with proof or a name of the person who verified the debt. I do not know where these judgments have originally been identified from and due to this Transunion have violated the Fair Credit Reporting Act ( FCRA ). According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. If the above accounts are not verified they need to be deleted. Transunion is breaking the law by allowing erroneous information to be on consumers credit report without verifying it. My last dispute was responded too within a week, I find it hard to believe that any research was done to verify in a week with no proven documentation.
Product: Mortgage

Nationstar has agreed to approve a borrower 's file for a short sale ( see attached docs ). I 've complied with all the terms and conditions of the initial approval docs sent to the borrower and received written instructions that the process will take 2-3 weeks once docs were submitted. I have experienced the reassignment of this file 4 times in the last 30 days that has caused unbearable delays. The last POC on XXXX required that I upload docs which I did promptly and received information that the approval should be within 2-3 weeks. After several attempts via phone and emails via equator to obtain an update, the file was sent to the Auction Dept after Equator showed the file owner changed again to XXXX XXXX? XXXX. I was informed by XXXX that because the first buyer " walked '' the file went to Auction. Actually the first buyer did NOT walk! It was determined by Nationstar that his offer was too low and would not meet the net required.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.
Product: Credit card

I filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23. 

I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all. 

It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due. 

This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.
Product: Debt collection

Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. 

The last payday loan I received was in XXXX for the California state maximum of {$300.00}