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

I am filing a complaint regarding unauthorized hard inquiries that have been made on my credit report without my consent. I have noticed several hard inquiries listed under my credit report from TransUnion, which I did not initiate nor authorize. These inquiries are negatively affecting my credit score and financial standing.

Summary of the Issue : On reviewing my credit report, I observed multiple hard inquiries from various financial institutions. I did not apply for credit or authorize any credit checks with these entities, making these inquiries fraudulent. I have already taken steps to contact TransUnion and dispute these inquiries, but I want to file an official complaint with the CFPB to ensure this matter is properly investigated and resolved. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Steps Taken : 1. I have disputed these inquiries with TransUnion, but no action has been taken yet.

2. I have not received any formal communication from the entities that initiated these inquiries.

3. I am enclosing supporting documentation, including my identification and a copy of my dispute letters to TransUnion.

Request for CFPB Assistance : I am seeking the CFPBs assistance in having these unauthorized inquiries removed from my credit report immediately. I request an investigation into how these unauthorized inquiries were conducted and to ensure that appropriate actions are taken to prevent this from happening in the future. I would also appreciate any advice or guidance on further steps to protect my credit from fraud.

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

TODAYS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not reinvestigate the alleged accounts. XXXX  XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX days late in XX/XX/2021, 60 days inXX/XX/2021 90 days in XX/XX/2021, 60 days in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I checked my credit and saw inquiries resulting from identity theft when I was XXXX. Filed an FTC report fraud. Report XXXX
Product: Credit card

My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.
Product: Vehicle loan or lease

The company sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX. 

I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage. 

I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax for some fraudlent inquiries I noticed on my credit report. After sending the dispute to Equifax, I never recieved a response. 

I have attached a copy of the dispute
Product: Checking or savings account

I had signed up for a Citibank promotional offer in XX/XX/2018. The promotional offer was to earn {$400.00} for opening a new checking and savings account and complete qualifying activities. The qualifying activities listed on the promotion included depositing {$15000.00} into the new checking or savings account and maintaining that balance for 60 consecutive calendar days. According to the promotional text, that was all I needed to do. I deposited {$15000.00} into the account within 10 days of opening the account and held the funds in the savings account for 60 consecutive calendar days. In XX/XX/2018, two months after opening the account, I was expecting to receive the {$400.00} bonus. I called Customer Service and was surprised to hear that I would need to wait another 60 days before receiving the bonus. I then lowered by balance in the savings account to {$10000.00}, the minimum amount required by the bank to avoid a monthly fee. All throughout this time, my checking account was open but did not have a balance. In XX/XX/2018, I received an email notifying me that I had met all qualifying activities and would earn {$400.00}. However, when I logged into my online account, I noticed my checking account had been closed automatically by the bank. I called customer service to inquire and learned my checking account was closed due to XXXX balance after 90 consecutive days. As a result, I would not qualify to earn the {$400.00} sign up bonus because both checking and savings account needed to be open at the time of their bonus deposit. I feel this promotional offer was deceptive marketing by Citibank. At no time was I ever informed I would need to maintain a balance in my checking account. The Customer Service representative even said I would have qualified to get the bonus if I left {$1.00} in my checking account. The promotional text does not specify which account to leave the money in, so I left it in the savings account due to potential interest. I tried to explain my situation to Citibank but to no avail. The customer service representative said she would note my story down as feedback for future promotions but offered nothing else. As a result, I closed my savings account and did not receive any bonus even though at this point I have left my money with them for 4 months. I could have been better off not opening the accounts in the first place and leaving these funds in a high yield savings account elsewhere earning 2 %. I have had bank accounts elsewhere and have never seen them being closed automatically for XXXX balance. This was a deceptive tactic by Citi so that some consumers who signed up for the promotion would " drop-out '' of their program by purposely closing their accounts after 90 days. I would like Citi to clarify their promotional offers to future consumers so they do not have the same experience as I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for TransUnion and XXXX.

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.
Product: Credit reporting or other personal consumer reports

Noticed several hard inquiries that didn't belong on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was involved in a Collison on or around XX/XX/2016. Car was covered under insurance ( XXXX ) through XX/XX/2016. Upon demand for payment by Hyundai Motor Finance ( HMF ) to XXXX in the amount of {$12000.00}, XXXX paid exact amount as requested by HMF to HMF. Check # XXXX ( {$12000.00} ). Car was fully covered by insurance, payment made ( and cleared, receipt sent to consumer ) in the amount requested by finance company, therefore nothing is owed. There is no bad debt, collections, or charge off ; account paid in FULL. 

HMF and/or credit reporting agencies refuse to remove item from credit report as " HMF states the report is correct. '' This is deliberate and fraudulently reporting false info to credit agencies despite providing proof of payment from XXXX to HMF. 

**Do you research and stay far away from HMF. This is a " thing '' apparently**
Product: Credit reporting or other personal consumer reports

I have constantly contested the inaccuracies in the following information with Transunion and unfortunately, the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. INQUIRY DATE : XXXX XXXX am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Checking or savings account

Went to Navy Federal Credit union ATM on XX/XX/22 XXXX XXXX XXXX XXXX XXXX Made A Large deposit of XXXX into my checking account the machine kicked back XXXX but did not give me credit for the XXXX receipt told me we encountered A problem returning your cash please contact my financial institution
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating t
he amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Credit card or prepaid card

On  XXXX / XXXX / 17 , I applied for  the CitiBank Business c redit card with  XXXX   XXXX . They denied me wrongfully online at the time of application.  My credit score i s over  XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. XXXX XXXX XXXX