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

I am writing to file a formal complaint against CNU ONLINE HOLDINGS for unauthorized access to my credit report and inquiries that were made under false pretenses. This violation of my privacy and rights as a consumer is deeply concerning, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly. 

Upon getting a copy of my XXXX consumer report, I discovered that XXXX  XXXX a part of XXXX on behalf of CNU ONLINE HOLDINGS had pulled my credit report without my consent or authorization. Not only was this action taken without my knowledge, but it was also done under false pretenses, as I have not engaged in any business transactions or interactions with CNU ONLINE HOLDINGS that would warrant such an inquiry. 

Furthermore, upon reviewing my credit report, I noticed several inquiries that I did not initiate or authorize. These unauthorized inquiries have the potential to negatively impact my consumer file which is unacceptable. 

Inquiry Dates XX/XX/XXXX XX/XX/XXXX I am turning to the CFPB to intervene and ensure that appropriate action is taken to rectify this situation and prevent future violations of consumer rights.
Product: Credit reporting

I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, XXXX and Experian to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Transunion. If you're straight and get married and change your last name they're happy to update your info just by being told. If you're XXXX  like me they require you to send all your documents through mail and wait 2-3 weeks. This a policy specifically designed to target XXXX  people and make it harder for them to get their information to match. Both XXXX and XXXX have options to upload the documents to your account and have them reviewed from there. So there's absolutely no reason why Transunion is having XXXX  people mail documents UNLESS it is meant to target us specifically. 

Agent I spoke to was XXXX XXXX, she tried to claim this wasn't to target XXXX  people, but then also refused to tell me how to file feedback about how it's an unfair policy.
Product: Credit reporting or other personal consumer reports

HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all XXXX XXXX report. looks like someone has my personal information and time to time requests credits on my name. 
As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. 
Other vise I will loose much time and money because mortgage lenders will decline my application for financing. 
I will list them below : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX. 
Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. 
XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Thank you in advance : XXXX XXXX
Product: Credit reporting

I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Product: Debt collection

This is a sample of the calls I constantly receive from Portfolio Recovery.  This should not happen if this agency is required to protect consumers' rights. Please do something about this company.  These are all robocalls and when called back just an automated message that the call cannot be completed as dialed.  They also use prefixes XXXX and XXXX which are also XXXX XXXX area codes.  This is all to much these companies must be stopped from committing harassment.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Greetings XXXX, I am requesting immediate CFPB deletion of the following inaccurate & harmful information currently listed on my credit report history that is causing damages to my personal credit as well as my company and its current business obligations. Not only is this information incorrect, but variations of the fraudulent activity & reports vary across the different credit bureaus making it impossible for lenders to see an accurate read of my credit activity.

In Pursuant to code 15 USC 1666a : Regulation of credit reports, the following information must be removed from my account.

Dispute # 1 : NOT MY ACCOUNT The following two accounts currently listed on my credit report do not belong to me, and were never authorized by me. Pursuant to code 15 USC 1666a : Regulation of credit reports, these accounts and inquiries must be removed from my credit history. 
Listed as Open Accounts - XXXXXXXX XXXX XXXX XXXX XXXX - $ XXXX limit // shown as red flag, high balance above available limit - XXXX XXXX XXXX {$1100.00} // shown as red flag, high balance above available limit XXXX XXXX XXXX XXXX {$94.00} Listed as Closed Accounts - XXXX XXXXXXXX - {$1100.00} limit // shown as red flag, high balance above available limit noted as a Closed Account Listed as Hard Inquiry XXXX XXXX dated XXXX Dispute # XXXX : CORRECT PROPER ADDRESS My correct address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX The following addresses currently listed on my credit report are inaccurate, not mine and are causing informational discrepancies harming my credit and rights. Pursuant to code 15 USC 1666a : Regulation of credit reports, these charges must be removed from my account. 
- XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Any other address listed that differ from the current address must be removed to ensure accuracy of information for all banks & lenders. 

Dispute # 3 : INCORRECT PUBLIC RECORD The following information is inaccurate, causing damages to my personal credit and my business. Pursuant to the Privacy Act and code 15 USC 1666a : Regulation of credit reports this information must be removed from my credit history : - XX/XX/year> - Dismissed Bankruptcy Claim Dispute # XXXX : OUTDATED INFORMATION The following accounts are all closed must be removed from my credit report history accounts removed - XXXX XXXX  - {$31000.00} - XXXX - XXXX XXXX XXXX XXXX XXXX  {$250.00} Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the CFBs notice & implementation. 
Please contact me here for any further clarity or assistance. 

CFPB Consumer Affiant Sincerely, By Direction of XXXX XXXX XXXX
Product: Checking or savings account

We experienced the exact same awful conduct as described in the XXXX article - XXXX XXXX XXXX? XXXXXXXX XXXX XXXX Capital One XXXX  In XXXX, the lender introduced a new savings account called XXXX XXXX XXXX. Existing customers were kept in older accounts that had a similar name, XXXX XXXX, which the bank previously advertised as having a great rate but has since closed to new customers. When the Fed started its rate increases, Capital One only raised rates on XXXX XXXX XXXX accounts. 

My husband happened to see this reporting a few months ago and switched our account over to get the better interest rate but no doubt we missed out on thousands of dollars in the last 3 years due to this bait and switch tactics by Cap One. It is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a check to XXXX XXXX in XXXX, Kansas. The clerk informed me that my check had been declined. I subsequently paid with my debit card. I immediately went to my local bank to verify sufficient funds were in my account. The bank manager called XXXX XXXX and got the number for XXXX XXXX XXXX, the company responsible for declining my check. The manager placed a phone call to Certegy to explain that I had more than sufficient funds to cover the check I had written to XXXX XXXX. Certegys employee ultimately hung up on the bank manager during their conversation. I did not know anything about Certegy at that time so I did not take further action. 

Fast forward to XX/XX/XXXX. I wrote a check to XXXX department store in XXXX, Kansas and was informed that my check had been declined by XXXX XXXX XXXX. I immediately phoned Certegys automated system but it offered absolutely no reason for declining my check. 

Since XX/XX/XXXX I have written several letters to Certegy trying to resolve this issue. By certified mail I have sent Certegy a copy of each declined check as well as a photocopy of my drivers license, my social security number and copies of my bank statements showing an account balance much more than sufficient on the day each of the declined checks were written. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX advising me that there were no returned checks on their file but my checks fell outside their approval guidelines. 

My complaint is this : XXXX XXXX XXXX is literally holding me hostage. I understand that their company represents many, many retail establishments throughout the US. Certegys computer algorithms are set to decline checks according to their predetermined criteria but Certegy will not reveal to me what I am doing that is causing them to decline my checks. So, now I can not write a check to any company they represent for fear that it will be declined by their company and I will face additional extreme embarrassment each time that happens. I only write about 3 or 4 checks each month. One to my credit card account, one to XXXX XXXX, one to my hairdresser and lately to my dentist. I realize that check writing is not used much these days but there are occasions when it is more convenient for me to write a check as opposed to using my debit or credit card. With Certegy declining any check I write I am helplessly under their control. Their letter gave a phone number to talk to one of their representatives but it was fully automated and could not handle a complaint over 2 weeks old. Again, I am their hostage. How can they do this to people?

I understand that Certegy has a program called VIP where you can enroll, pay a fee and perhaps avoid declined checks. For many years the Mafia had a similar protection program in XXXX and XXXX XXXX : Pay a fee and you are protected. Such a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not updated my credit profile. XXXX  has the same exact accounts so why isn't XXXX  updating. It must be updated properly and accurately. I have attempted to remedy but XXXX  ignored the request. XXXX XXXX and XXXX XXXX XXXX and XXXX is in deferment I should not be penalized for points. This practice is fraudulent and discriminatory. If XXXX  is at XXXX then XXXX  shouldn't be at XXXX. XXXX  is not updating. I even tried the XXXX but nothing happens.
Product: Credit card

I have been working with Citibank for the past month to try to rectify a situation on my credit card. The primary issue is that my account was switched to e-billing with no authorization by me or notice to me. I received an automated call form Citi on XXXX XXXX, 2016 and called them back within the hour. On that call, I was informed that my account was past due and began the process to fix that ( Immediate payment of full amount plus fees and interest ). I have had that particular card for 16 years and have never been late, nor would I switch to e-statements. 

Upon being notified by my credit monitoring service ( XXXX ) that Citi reported my account late to the XXXX credit bureaus I promptly contacted Citi in writing on XXXX XXXX, 2016 ( Exhibit 1 ), notifying them that I did not switch to e-statements, nor receive any communication from Citi that my account had been switched prior to me calling them back from the automated call, I had asked for them to update my record with the Credit Bureaus. I received a response from Citi on XXXX XXXX, 2016 ( Exhibit 2 ) that stated their records are correct and failed to provide any evidence of my account being switched to e-billing nor any proof of corresponding that switch to me. I had an attorney follow up to Citi in writing on XXXX XXXX, 2016 expressing similar concerns ( Exhibit 3 ) and in turn received a second response from Citi on XXXX XXXX, 2016 ( Exhibit 4 ) expressing again that the records are correct while still providing no evidence of my switch to e-billing or notification thereof. 
Although I have been harmed in the form of late fees ( totaling {$65.00} ) and the reporting of late payments to the credit bureaus, I do feel that Citi is sidestepping the real issue by not providing evidence of my switch to e-statements as well as what notification they provided to me to state that the account has been switched to e-billing. 

I have an impeccable credit history with no late payments on any of my accounts - ever. Credit is used as part of my employment eligibility so I would like my file corrected and thus far Citi has been unable to provide any support of showing how this account was switched as well as what notifications went to be to state that it had been switched which ultimately led to an untimely payment. 

Thank you in advance for your help in this matter.
Product: Credit card or prepaid card

I had a friend refer me to American Express Hilton card thinking I was going to receive XXXX points and XXXX points to my friend if I had sign up I had tried to and it did not allow me to get the points. I also tried calling the company. They told me that because I did it on the website I was not eligible to receive the points. That was one of the reasons why I wanted to go with this American Express card any questions please dont hesitate to call XXXX thank you.
Product: Credit reporting

My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to delete the old addresses that do not belong to me on my Experian and XXXX credit reports. 

The following addresses are on my XXXX  : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX The following addresses are on my Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have been sending the attached proof of address for over 6 months with dispute letters.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under reported the correct balance onto XXXX, the Months of XXXX, XXXX, XXXX payments havent been credited and reflected in a lesser balance than reported by this problematic institution. I generated a dispute with XXXX and they still have underreported the amount owed by {$180.00} they have now received XX/XX/XXXX payment and should further adjust accordingly. the payments for the months mentioned above totaled {$1900.00} in underreporting this amount is derived from monthly deductions of {$640.00} the month of XXXX of {$640.00} plus the underreported balance mentioned above of {$180.00} totals now {$830.00} and needs to be corrected and adjusted accordingly this lender has repeatedly and intentionally underreported my payments.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Southern Auto Finance Company ( SAFCO ) regarding the usurious interest rates and predatory lending practices that have severely impacted my financial stability over the past XXXX years. 

Loan Details : Lender : Southern Auto Finance Company ( SAFCO ) Interest Rate : 18.33 % per annum Loan Type : Auto loan Contract Date : XX/XX/XXXX Loan Amount : {$21000.00} Account Number : XXXX Background : In XX/XX/XXXX, I entered into a retail installment contract with SAFCO for the financing of a XXXX XXXX XXXX. The contract specified an annual interest rate of 18.33 %. At the time, I was unaware that this interest rate exceeded the maximum permissible limit under Florida usury laws. 

Legal Violations : Usurious Interest Rate : According to Florida Statutes, the maximum permissible interest rate for loans up to {$500000.00} is capped at 18 % per annum. SAFCO 's imposition of an 18.33 % interest rate is a clear violation of this legal limit ( XXXX XXXX. XXXX ). 
This usurious rate has resulted in excessive interest charges, exacerbating my financial difficulties. 

Usurious Interest Rate : According to Florida Statutes XXXX, the maximum permissible interest rate for loans up to {$500000.00} is capped at 18 % per annum. SAFCO 's imposition of an 18.33 % interest rate is a clear violation of this legal limit. 
The case XXXX XXXX XXXX, XXXX So. XXXX XXXX ( XXXX XXXX XXXX XXXX ), clarifies that charging an interest rate above 18 % on loans of {$500000.00} or less constitutes usury. This usurious rate has resulted in excessive interest charges, exacerbating my financial difficulties. 
Predatory Lending Practices : SAFCO 's predatory lending practices have included failing to adequately disclose the true cost of the loan and imposing unjustifiably high interest rates. These practices have caused significant financial and emotional distress. 
Impact on My Life : Over the past XXXX years, SAFCO 's actions have devastated my financial situation. The excessive interest rates have made it impossible to keep up with payments, leading to financial instability, damaged credit, and emotional stress. Despite my best efforts, I have struggled to meet my financial obligations due to the oppressive terms of the loan.