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

Subject : Formal Complaint Regarding Unauthorized Credit Inquiries and Request to Opt-Out of Future Inquiries I am writing to file a formal complaint concerning unauthorized hard inquiries on my credit report, which I believe constitute a violation of my rights under several key regulations and statutes including XXXX XXXX. XXXX ( Fair Credit Reporting Act ), XXXX XXXX. XXXX ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX ( Regulation V ), the Privacy Act of 1974, and XXXX CFR XXXX ( Privacy of Consumer Financial Information ). 
**Violations Noted : ** XXXX. XXXX U.S.C. XXXX mandates that consumer reporting agencies must ensure the accuracy and fairness of credit reporting, and only allow access to credit information for permissible purposes. Unauthorized inquiries do not meet these requirements and thus, represent a breach of this statute. 
XXXX. XXXX U.S.C. XXXX obligates financial institutions to provide consumers with a notice of their privacy policies and practices, including the right to opt-out of information sharing. The persistence of unauthorized inquiries reflects a failure to adhere to these provisions. 
XXXX. XXXX CFR XXXX ( XXXX XXXX ) ** ensures the accuracy and integrity of information provided to consumer reporting agencies. Unauthorized inquiries demonstrate a failure in maintaining the privacy and integrity of my personal financial information as outlined in this regulation. 
XXXX. **The Privacy Act of XXXX protects against the unauthorized disclosure of personal information held by federal agencies. While primarily applicable to government, the principles mirror my rights to privacy which are being violated through unauthorized credit inquiries. In light of the above, I am exercising my rights under XXXX XXXX XXXX and specifically XXXX XXXX XXXX ( f ) **, which support my decision to opt-out of any further reporting of credit inquiries on my credit report. This request is to ensure the protection of my personal financial information, as guaranteed by federal law. 
I demand immediate action to : - Cease all future credit inquiries without my explicit, written consent. 
- Remove all previous unauthorized inquiries from my credit report. 
- Provide written confirmation of these actions. 

Failure to address these concerns promptly will leave me no choice but to seek further legal counsel to protect my rights. Please, upon deletion, send me an updated copy of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency did not properly investigate my dispute with the collection agency. 

They claim to have contacted the collection agency and complete the investigation within five ours of my online dispute.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a line of credit at the Home Depot pro/construction desk on XXXX XXXX. I gave them my SSN, cell number, email address, home address, my license. The staff there was great. I was printed out and given a {$10000.00} limit. I have a card number on the sheet. The associate at HD called to confirm the purchase through card services, and the card rep said that the purchase was suspicious and was not given a reason over the phone to me or the store associate as to why. I have a XXXX credit score and they had all my income and identity information. I do not have any other credit cards with city bank. The associate who helped me apply said this has never happened to a customer since she has worked there.
Product: Credit card

This is a follow up from complaint number ( XXXX ) on the charge of my Bank of America for {$5400.00}. My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, sent to ship infirmary for medical treatment and then we disembarked the ship to a hospital where he underwent XXXX XXXX for a brain bleed. On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost XXXX times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to XXXX can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest. 
Since this claim was made, I received contact from XXXX from Bank of America on XX/XX/23 ( XXXX ) stating XXXX a representative would be calling me to resolve this disupute. She contacted me ( XXXX ) and explained the situation. She stated for me to provide her a copy of bill paid from XXXX XXXX XXXX and in addition to the rejection of dispute letters from Bank of America. I was informed to send this information by email to XXXX. I attempted to send the information but it was rejected coming back as undeliverable. I contacted Bank of America directly through both there chat line and on the phone but they provided the exact same email address. When I said that it could not be sent they hade no other suggestion. I sent the information through fax on XX/XX/23 and it was accepted. Upon receiving this information I was infomred by XXXX that the charges would be removed until this can be settled. I have been unable to reach XXXX despite making frequent calls to call me back. Since than I am at a roadblock.
Product: Credit reporting or other personal consumer reports

I have 2 late payment on my XXXX XXXXXXXX XXXX XXXX  ( Account Number XXXX ), XXXX XXXX XXXX ( Account # : XXXX ) that is reporting late on one of my credit reports but showing as on-time on my other credit report.

According to 15 U.S. Code 1681 my reports need to show accurately and it is currently not.
Product: Credit card or prepaid card

Dear Sirs : Related to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

I would need additional information as XXXX  answered on XXXX ( after this complaint was closed ) the following statements : " To clarify what took place, on XX/XX/XXXX, XXXX received notification from XXXX XXXX financial institution, which was the financial institution associated with the Visa card that was used for AutoPay, that he requested to chargeback {$260.00} in payments previously remitted to XXXX. '' " it was a chargeback that we created to bring the returned payment of {$170.00} and {$94.00} combined total to {$260.00} as this is the amount charged back by XXXX XXXX financial institution ''. 

" it was XXXX XXXX financial institution associated with the VISA card he used for XXXX '' As I never disputed any XXXX charge to my financial institution ( Chase Bank ) , but first XXXX stated that Chase Bank did not pay to them, and now after the bank answered then XXXX clarifies stating that it was not a lack of payment but instead a dispute or refund, I would like Chase Bank to answer the following : i ) If Chase Bank sent a notification to XXXX saying that I have disputed a XXXX charge, or saying that I requested a charge back {$260.00} in payments previously remitted to XXXX 

ii ) If Chase Bank charged back to XXXX {$260.00} in payments previously remitted to XXXX regarding my account and/or the Visa card XXXX I used for Autopay. 

iii ) If Chase bank credited on my account a reversed or disputed XXXX payment for USD XXXX on or around date XXXX See Attached - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX ( received on XXXX ). 
- XXXX XXXX XXXX dated XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX
Product: Student loan

I am an XXXX who recently finished my XXXX, no in XXXX. I had previously been in forbearance as I was unable to make payments in residency. I received notice XX/XX/XXXX that my forbearance period was ending. I then promptly signed up for an income-based repayment plan, as I wanted this to initiate before my forbearance period would end. I applied for a new XXXX plan ( the REPAYE ) and waited the requisite 14 days. I was rejected and they said this was because I was still in forbearance ( even though I had received notice it would be exiting ). I then had to submit a separate exit from forbearance application, and resubmitted my IBR plan application. This was not processed in time for the posted $ XXXX+ payment I could not afford ( off of a standard payment plan I was kicked to after being rejected from the initial IBR application ). In order to then avoid defaulting, I was forced to go BACK into forbearance, which recapitalized my loan. I was told that then, after posting a standard reduced payment, my IBR would go into effect. I did so ( twice actually over 2 months XX/XX/XXXX and XX/XX/XXXX ), and the IBR payment STILL was n't processed. For whatever reason, that initial Forbearance only applied for one month, so now I 'm looking at another {$2000.00} posted payment from my direct deposit. After calling yesterday and demanding to have my IBR application processed I was promised it would be processed that day, or the following, but it is still no done as of XXXX. Consequences of all of these delays : time ost on the phone, trying to followup on processes that should be performed automatically. Missing out on the interest reduction benefit of direct deposit ( they keep cancelling it so the {$2000.00} charge is n't pulled from my linked checking account ). I 'm also missing out on the opportunity to make my 120 qualifying payments for the public student loan forgiveness program. Finally I was recapitalized when I did not want to be.
Product: Debt collection

I had a collection on my report from XX/XX/XXXX from a collection company that was removed because they never sent me confirmation of the debt to even tell me what it was for. I just went to get a home loan and i see a collection for the exact same amount from another collection company only this time it has a date of last action of XX/XX/XXXX. Even if this debt was legitimate which i still have been unable to get any information on even with the new collection company the fact that they have changed the date of last action has severely affected my credit score to the point where i can not get a home loan since it is a new derogatory item that has cost me 50 credit points. I have tried disputing it with the bureaus and tried getting more information about it from the companies themselves but had no luck. Please help.
Product: Debt collection

this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could
Product: Money transfer, virtual currency, or money service

It was XX/XX/2018. I was trying to purchasing an Motorhome on XXXX XXXX for {$35000.00}. The scammer said they will ship the car to me for free, I have 7 days inspection, after that they will release my payment to seller. 

They have a very convincing website. I totally believed they have a whole fleet to do the shipping. But I do have some doubles, so I asked for shippers ID, shipping company 's business permit and other docs, the scammer provided all. All fake of course. 

I never seen the motorhome and tried to contact the bank that i wired my money to ( XXXX XXXX, XXXX fraud department ). They said they were aware of the situation since there were other victim reported fraud to them. The scammer 's account is frozen ( XXXX XXXX acct # : XXXX ), and my case # : XXXX. They were asking me for a " hold of harmless letter '', I reported to my bank ( case # : XXXX XXXX ) asked my bank " bank of america '' for many many times to help me with the letter, but they refused. 

Now the case was solved by FBI, they caught 30 scammers all together and porsecuding them one by one. Victim Identification Number ( VIN ) XXXX ', here is the victim office contact : U.S. Department of Justice XXXX District of New York XXXX XXXX XXXX XXXX XXXX XXXX  , NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I just want someone can help me to have a hold of harmless letter and have the money back {$35000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : DISPUTE for DELETION of Unauthorized/Inaccurate Credit Inquires. 

Dear XXXX  Dispute Department, I am writing to formally dispute the following unauthorized or inaccurate inquires listed on my credit report. I have reviewed my credit report and found these inquiries were made without my consent or are inaccurate. The details of the inquires in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, U.S. Code 1681 e ( b ) ACCURACY OF REPORT, & 15 U.S. CODE 1681 i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ).

According to the Fair Credit Reporting Act ( FCRA ). ONLY authorized inquires should appear on a consumers credit report. I have not applied for credit with the companies listed above, nor have I authorized these inquiries. Therefore, I am requesting that these inquires be DELETED FROM MY CREDIT REPORT. 

Enclosed with this letter are copies of my identification and a recent utility bill to verify my identity. I would appreciate your prompt attention to this matter and kindly request a written conformation once these inquires have been DELETED from my credit report. 

I look forward to your timely response within the 30 day period allowed by the FCRA. 

Thank you for your cooperation. 

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

I am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX, and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX XXXX XXXX XXXX XXXX I'm asking that this information be corrected or deleted immediately from credit report. According to the FCRA all information reporting on my credit report must be accurate and verifiable. Please provide the validation method you used when verifying this account.
Product: Credit reporting or other personal consumer reports

The late payment showing on this account from XXXX of 2023 is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to CAPITAL ONE. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Checking or savings account

Contacted Wells Fargo on Saturday XXXX after receiving2 text message and a call to verify the transactions. I did not see the call nor the message. After an hour later, the I noticed they are trying to verify the transactions. At. this point. they have not received any confirmation from me and they kept approving all the transactions. Leaving my  account balance in XXXX. I place the dispute with them that same day. I called again on Monday they told me that the department that handles my claim was closed. Called again on Tuesday and they told me the funds will be available two days later. I did not see funds on Thursday  XXXX, so I call them again. They told me that. they need to investigate and It will take about 10 business days to see my money. I think this is  very. unfair I have being with out money since the XXXX of XXXX. They make a huge mistake approving transactions without confirming identify. They. are also returning my schedule payments and charging me {$35.00} for every overdraft.
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 redress for these violations. Thank you for your consideration
Product: Credit reporting or other personal consumer reports

XXXX and Experian have violated my consumer rights repeatedly and allowed incorrect information to be reported on my consumer report without verification or adherence to the FCRA 1 ) Charge off accounts - Charge off accounts mean a creditor has written the debt off and has been made whole and therefore should issue a 1099cc to the consumer and this becomes income and income IS NOT reported on a consumer report, XXXX and Experian have failed to adhere to the law and failed to validate the debt multiple times even after being provided the 1099c from the consumer which shows no debt exists, they have caused serious harm to me and my family and i am entitled to damages for false reporting and reporting items that are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was seen at the Emergency Room in Colorado. I am a XXXX and I am covered with the Veterans Administration. XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a Non payment XXXX of XXXX with Interested Balance showing the amount of XXXX that was sent to Collections on XX/XX/2021. 
I immediately contacted them and advised them of the VA paying for this bill. I also contacted the VA Medical Billing XXXX and they advised me that they would contact XXXX XXXX XXXX. I received an updated billing statement on XXXX with a XXXX Balance. Indicating CODE 9906 " UNTIMELY FILING " The Bill was mis-handled and now it was PAID in FULL. 
This resulted in my Credit Score going from XXXX to XXXX, it is effecting my Credit drastically. 
I was given this number re : XXXX to help identify this Bill
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report. According to my recent credit report, dated XXXX from experian XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Experian XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  Experian XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX Experian XX/XX/year> which I did not authorize any of these inquires i have no relationship with any of these banks. 

I understand the impact that hard inquiries can have on my credit score, and it concerns me greatly that an inquiry was made without my consent. I hereby request your assistance in investigating and removing this unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry for your reference. I kindly ask for a prompt response to this matter and for the inquiry to be removed within the timeframe set by the Fair Credit Reporting Act. 

Thank you for your attention to this important matter. I look forward to your swift action to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to seek assistance from you regarding inaccurate accounts on my credit report that are still reported in disdain of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX, XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$9000.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00} ; DEPT OF ED / XXXX XXX Opened XXXX XXXX, XXXX Balance : {$3600.00} ; DEPT OF ED / XXXX XXX Opened XXXX XXXX, XXXX Balance : {$1800.00} ; DEPT OF ED / XXXX XXXX Opened XX/XX/XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4700.00} ; DEPT OF XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4400.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some collection and charge off that I did not approve anyone to pull my credit.