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

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TRANSUNION REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to have them remove an account on my credit report that does not belong to me and was re-aged. Equifax stated that this " time-barred '' account would remain on my credit report.
Product: Mortgage

On XXXX XXXX, 2015, XXXX XXXX ( NMLS # XXXX ) with United Mortgage Corporation sent us the terms we had agreed to in order to refinance our mortgage with his company : 30 yr fixed at 3.75 % ; monthly payment of {$910.00} ( principal and interest ) ; paying off XXXX of our existing loans and leaving us with {$15000.00} cash out. This information was given to us in an email. We completed the process of sending him all of the required paperwork. Three days before we were scheduled to close, he called with the closing date and then said the next order of business was to discuss what our interest rate would be. When we questioned him on the fact that we had agreed to the loan with the fixed rate at 3.75 %, he then went on to say that the rate had adjusted over the three week period of time that it took to get our loan approved and ready for closing. We were shocked, to say the least. He went on to tell XXXX that the 3.75 % was no longer available and that it should be 4.25 % but he would do it for 4.125 % because he felt " bad '' that it went up so much. XXXX told him we would not do the 4.125 % and that we had agreed at 3.75 % and that 's what we wanted to close with. At this point, we had already given him {$420.00} to start the loan process with the home appraisal, and of course, went through three weeks of giving him all of our personal information in order to close on the loan. To make a long story short, we went back and forth many times over many, many weeks. During that time, we were able to secure another loan at 3.75 % ( which XXXX XXXX had told us was impossible ), and also learned during the XXXX process that the rates never had gone up to the 4.25 % and that more than likely it was a type of bait and switch scheme. We had to, of course, pay the new bank another appraisal fee and had to go through another whole house appraisal within 30 thirty days of the initial XXXX, and could not use the appraisal that we had done with United Mortgage because of the new government stipulations and regulations on home refinancing. We also want to note that during the weeks of back and forth with XXXX XXXX from United Mortgage, XXXX asked him multiple times to speak to his manager, which was always met with a " no, '' and that there was " no one here for you to talk to besides me. '' We were lied to, a lot of our time was wasted, and we are nervous about our personal information being used inappropriately. At very least we would like to recoup the {$420.00} appraisal fee from United Mortgage Corporation.
Product: Debt collection

This company responded tell me that I was named as a co-defendant on the judgment in question, filed in XXXX XXXX XXXX, ND on XX/XX/XXXX. The judgment was renewed on XX/XX/XXXX. they claim I was served personally with the Summons and Complaint related to that judgment on XX/XX/XXXX - was not ever served! They can not provide proof and refuse to do so! The judgment was originally in another company 's name, but it was assigned to Ingenuity RM , LLC and an Assignment Notice was mailed to XXXX XXXX on XX/XX/XXXX, this never happened! I never heard of this until I was garnished. They state In accordance with North Dakota law, a Garnishment Notice was mailed to XXXX XXXX on XX/XX/XXXX followed by a Garnishment Summons ( with copy to her employer ) on XX/XX/XXXX. Our representative spoke with her on XX/XX/XXXX and explained that her name is on the judgment and she is legally responsible for medical debt incurred for herself or her spouse while married. I requested proof of service and proof of debt and never received anything!! They just keep telling me stuff that I know isn't true. I would remember getting served.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed I have two late payments on an account that I was never late for. The account was on autopay. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account listed below with screenshots and dates. 

EXPERIAN Account Name : XXXX : XXXX Dates reported Late incorrectly XXXX and XX/XX/2023 XXXX Account Name : XXXX : XXXX Dates reported Late incorrectly XXXX and XX/XX/2023 XXXX Account Name : XXXX : XXXX Dates reported Late incorrectly XXXX and XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to be paid as agreed on time as they should be since I was never late. Thanks. Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # 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

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausExperian, XXXX, and XXXX. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report.

Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Bank account or service

Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.
Product: Credit card

Capital One has restricted my use of Neiman Marcus and XXXX XXXX XXXX cards, after multiple phone conversations, they refuse to reinstate my cards and I have a credit balance of {$5400.00} after I returned an item. They refuse to send me a refund check or allow me to use my cards. They said they need to verify my identity and I have offered any and all means to do that. I have sent my bank statements from my XXXX XXXX account that I have used in the past and is presently connected to the Capital One account. They wanted different bank statement which I am advised not to disclose. They do not have a court order or subpoena for this. I have offered any means necessary to verify my identity and they still refuse to refund my purchase and are keeping my money. I had a XXXX balance before the refund and owe nothing.
Product: Debt collection

During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws
Product: Credit reporting or other personal consumer reports

They continue to use old information against me, and my information has been exposed to others ( data breach ).
Product: Debt collection

Hello- I checked my credit report today and there was a new credit collection posted in XX/XX/2023 from 'One Main Financial. ' It is a small amount of money, however, I have no knowledge of this debt and have not received any communications that it was outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to chase saying it was their fault and to please remove from my credit chase removed it from XXXX but did not from Equifax or XXXX  I disputed it with both and they will not remove it. Traded vehicle XX/XX/XXXX disputed XX/XX/XXXX. This was not my fault and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. My personal information to include my social security number, drivers license number, prior email address XXXX, and physical address was found on the Dark Web multiple times & my identity was also stolen by the XXXX XXXX XXXX XXXX XXXX in XXXX. At that time it was reported to the credit bureaus and XXXX police. 

To date Equifax has not removed the fraudulent account listed below or the fraudulent addresses link to it. I was asked by equifax to file an update police report and it has been attached along with required information for the dispute. This has been an ongoing issue and my next step is legal action. 

XXXX XXXX XXXX XXXX among {$1000.00} last reported & closed on XX/XX/XXXX Fraudulent address XXXX Park XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and Equifax disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by XXXX, XXXX, and Equifax. I have not received a response from XXXX, XXXX, and Equifax as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting false information regarding my name. This is defamation to my character. They are also reporting false account information.
Product: Payday loan, title loan, or personal loan

I have a loan through Springlight Financial and called XX/XX/22 to set up a paymet arrangement for XX/XX/22. I was advised it was outside the parameters for payment arrangements but to call back the next day and it would be within. I called back XX/XX/22 and setup a payment arrangement for XX/XX/22. I was called XX/XX/22 by Springlight Financial and explained I had a payment arrangement on file for XX/XX/22. I was advised by the rep he couldnt honor that and the calls and collection efforts would continue. I explained it was a right party contact and calling me again within 2 business days would be a violation of TCPA regs. He called from a XXXX area code. On XX/XX/22 the very next business day I was called 3 times and on the third call I picked up and it was the same rep from the day before. I advised him his company was breaking right party XXXX violations and asked to speak to a manager. He called from a XXXX area code. Unless he moved in one day that seems like deceptive call practices. I was on hold waiting for a manager for 18 minutes before the call dropped. I was then called by XXXX area code and it was the manager. She was in the same location as the rep but I was called by 3 different area codes. I explained the TCPA violations and the right party issues and the auto dial system should have been pushed since a payment arrangement was on file for XX/XX/22. I do collections compliance and fully understand how autodial systems work. Right party and TCPA laws. Deceptive call tactics like calling from 3 different area codes from the same location. Each violation is {$1000.00} fine
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in rectifying this issue promptly and effectively. 

Upon reviewing my credit report, I discovered several unauthorized hard inquiries made on XX/XX/2023, by : XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX ) XX/XX/2023 XXXX  ( XXXX ) XX/XX/2023 XXXX  ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 XXXX XXXX ( XXXX  ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I have taken immediate action to mitigate any further damage by contacting the respective financial institutions and alerting them to the unauthorized inquiries. I have also placed a fraud alert on my credit file with all three major credit bureaus, namely XXXX and XXXX, to prevent any additional fraudulent activity. 

As a responsible and vigilant consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its subsequent amendments. According to the FCRA, consumers have the right to dispute any inaccurate or fraudulent information present on their credit reports. Furthermore, Section 605B of the FCRA states that any inquiries resulting from identity theft must be promptly removed from the consumer 's credit file. 

In light of the aforementioned rights and the fraudulent nature of the hard inquiries, I kindly request the intervention of the CFPB to assist in the immediate deletion of these unauthorized inquiries from my TransUnion credit report. This deletion is crucial to protecting my creditworthiness, as these fraudulent inquiries may impact my ability to secure future credit, loans, and financial opportunities. 

Additionally, I have enclosed copies of supporting documentation. 

I appreciate your attention to this matter and trust that the CFPB will take swift action to address and rectify this issue. Please provide written confirmation once the fraudulent hard inquiries have been deleted from my TransUnion credit report. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Thank you for your prompt attention and assistance in resolving this matter. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I pulled a TransUnion Credit report. I noticed there are some inquires are not authorized by me. I've tried contact the creditors and they did not reply yet. Thus I want TransUnion resolved this matter as soon as possible. 
1. XXXX XXXX XXXXXXXX XXXX XXXX 2024 2. XXXX XXXX XXXX XXXX 2024 3. XXXX XXXX XX/XX/year>2024 4. XXXX XXXX XX/XX/scrub> 2024 2024
Product: Checking or savings account

I tried selling a gold plated " XXXX XXXX '' record display on XXXX for {$180.00} and received an email stating that the person would send me a check for it and extra to cover the costs for the " moving people '' that we 're going to pick it up for him. He went from the name XXXX XXXX. XXXXXXXXXXXX is the email he used.The received the check on XXXX XXXX, XXXX and proceeded to deposit it on the same day. The check was sent through XXXX Next Day Air. The shippers XXXX account number is XXXX XXXX with " XXXX XXXX '' where it asks the name. The street address from where it came from is XXXX XXXX XXXX XXXX, IL with the zip code being XXXX. The check was {$1200.00}. The next day XXXX XXXX, I went to the bank with my mother to withdraw the {$1000.00} I was instructed to do and send that money to a certain location through XXXX XXXX. The XXXX location I went to was " XXXXXXXX XXXX  XXXXXXXX XXXX. '' XXXX gave me his phone number which is XXXX ( XXXX XXXX XXXX. He messaged me and emailed me a name and address of a person to make the money out to. The name I wrote the money order to was XXXX XXXX, the address being XXXX XXXX XXXX XXXX. XXXX XXXX, Illinois XXXX. I filled out the XXXX XXXX and received a receipt with the pin being XXXX. The reference number is XXXX. XXXX refused to respond the following days later. On XXXX XXXX, XXXX, we returned to XXXX XXXX XXXX to deposit a check and create a new checkings account. We were told that there is a - {$750.00} in my account. We were than told that this may have been due to a fraud check. We were told that we would have to pay that amount, and that we were under investigation. I spoke to someone on the phone stating what had occurred.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry from XXXX XXXX XXXX on XX/XX/2024, that I did not authorize. Institution Information XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Im am writing to formally 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 fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not neglected to protect consumers but gas also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Capital one spark  business card which I have spent over 500k on and they closed my account because a payment of XXXX was bounced because I put the wrong routing number. 


I feel that I have been a good capital one cardholder and have never bounced any payment and simply made the mistake of putting wrong routing number capital one even called to confirm funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this information several times with Experian and the Auto Lender. Experian will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that Experian didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.