23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX  XXXX # XXXX, and XXXX XXXXXXXX XXXX # XXXX has violated my rights. 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company XXXXXXXX XXXX - Inquiry Purpose : UNAUTHORIZED XXXX Inquiry Date : XX/XX/year> - Company Name : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Purpose : UNAUTHORIZED XXXX Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX  - Inquiry Purpose : UNAUTHORIZED - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - Inquiry Purpose XXXX UNAUTHORIZED - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - Inquiry Purpose : UNAUTHORIZED - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX  - Inquiry Purpose : UNAUTHORIZED I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to these companies or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame.

Sincerely, XXXXXXXXXXXX XXXX
Product: Debt collection

I received a notification from XXXX that a collection account has been added to my account from a Affirm Inc for {$320.00} I never heard of this company nor have I ever received any letter or notification from this company about a debt being owed. I have no idea what this is for or if it is even for me,
Product: Debt collection

1. XX/XX/XXXX days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), XXXX XXXX XXXX 2. XX/XX/XXXX days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. XX/XX/XXXX days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. XXXX days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX Card 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, Ford Motor Credit 7. XXXX XXXX  days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to giving birth around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX XXXX XXXX. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX Bank 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/scrub> 2024 someone somewhere gained access to my debit card info and started wiping my account clean. They loaded an XXXX XXXX account and i definitely don't have any XXXX  accounts or products. I tried filing a claim but the bank wont cooperate with me. They put a restriction on my account for 4 days now and holding my money hostage. I got stuck on the road last night because I couldn't purchase gas
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I initially requested the removal of the dispute remark, followed by a second request on XX/XX/year>. I was assured on both occasions that the removal process would take 24 hours. However, as of XX/XX/year>, the remark remains on my report, despite the disputes now being marked " Closed. '' Additionally, I request that the account itself be deleted from my credit report for the following reasons : XXXX. XXXX XXXX filed for bankruptcy and ceased operations on XX/XX/year>. As the creditor is now defunct, they are incapable of addressing disputes or verifying the status of any account. 
I resolved this account in full for {$690.00} on XX/XX/year>, as agreed upon with their representatives. Despite this, XXXX. XXXX XXXX has failed to provide the promised documentationeither a letter or emailto confirm my account has been closed with a XXXX balance. This failure demonstrates the companys unfaithfulness to its commitments, leaving the account in limbo. 
The continued presence of this account and its associated inaccuracies on my credit report, including conflicting balances, is unjustifiable and damaging to my credit profile. 
The unresolved inaccuracies and the erroneous dispute remark are creating significant financial hardship. I am currently under contract for a home, and this is the sole obstacle blocking my FHA mortgage approval.
Product: Credit card or prepaid card

I've purchased a {$500.00} worth Vanilla visa gift card. Which not working anywhere when it's checked its showing my card is hold contact with support by call, then I called them was able to connect with someone after around 1hr then he checked & told me for try it later. few times I did same things & got same suggestion from them. 

My card number is listed below. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX Company Inquiries : 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

I hope this message finds you well. I am writing to you regarding the dispute I have initiated with the Experian Credit Bureau, regarding the incorrect account listed on my credit report. The dispute number associated with this matter is XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or inaccurate information in my credit report. I have been attempting to resolve this dispute with Experian for a considerable period of time, however a satisfactory resolution has not been achieved. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including XXXX, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including XXXX, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a written document bearing signature from XXXX XXXX ( XXXX XXXX XXXX ) my indicating this is my account. I mailed certified letter asking for document on and it was received and signed for on XX/XX/XXXX and they failed to respond and or provide documentation. I also requested from Experian to dispute this item and they indicated it is being reported correctly without providing any documentation. This item was disputed with Experian in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, EQ. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my Equifax report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCE, XXXX has lates on a charge off account. EQ HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND EQ IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Product: Checking or savings account

XXXX XXXX XXXX XXXX is a high end alcohol and drug treatment center located in the XXXX XXXX serving the XXXX XXXX. We bank with Chase. On Friday XX/XX/2019 I checked the operations account and saw a withdrawn by XXXX XXXX. That was odd. XXXX does not have an XXXX XXXX card. I checked with staff to see if unauthorized someone had tried to pay their XXXX from the corporate bank account and no one took responsibility. I reported it to Chase and Chase returned the money on Saturday. On Saturday there were withdrawals from XXXX XXXX, XXXX XXXX XXXX, XXXX Phone Pay. XXXX has no relation to XXXX, as stated, and we have no relationship with XXXX XXXX XXXX or XXXX either. Chase credited those back but when there were more debits Friday XX/XX/XXXX by XXXX XXXX. We do have a company XXXX XXXX card but these are not our charges and when we pay that card we pay online not by phone. We reported those illegal withdrawals as well and received attached letter from Chase that says " We determined that it's a business to business electronic payment. '' They say they can not remove the transaction and we should contact the business that initiated the transaction as if we knew which business it was. " I did contact XXXX XXXX and they said Chase needs to do the research as they can not identify the source of the fraud without a Chase investigation. As the business is out {$2400.00} from these illegal withdrawals and I called CFPB. The fraudulent XXXX withdrawals both say " XXXX XXXX PHONE PYMT. '' As stated above, when we pay the XXXX XXXX card it says XXXX XXXX CO ENTRY DESCR : ONLINE PMT. 
We have a consistent payment history to demonstrate our method of payment for our XXXX card is via WEBSITE.Thank you. XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

account ( XXXX ) in the ( DATE OPENED, HIGH CREDIT, LAST REPORTED, ACCT TYPE ) & ( DATE LAST ACTIVE, DATE OF LAST PAYMENT ( XXXX ) in the ( DATE OPENED, HIGH CREDIT, LAST REPORTED, ACCT TYPE ) & ( DATE LAST ACTIVE, DATE OF LAST PAYMENT all reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$40000.00}
Product: Money transfer, virtual currency, or money service

Cash App $ XXXX amount {$920.00} for rent. Kicked out after sending. 

Cash App wont help and uses the XXXX copypasta. 

Being homeless is no joke. And Square is protecting the scammers. 

I want my money NOW. 

Filed a dispute with my bank too because the funds are important.
Product: Vehicle loan or lease

My 36 month lease of an Acura XXXX XXXX was set to expire on XX/XX/XXXX. 
I will point out I was a loyal and longtime customer of American Honda Finance Corp dba Acura Financial since XXXX and having leased XXXX Acura vehicles prior to the XXXX XXXX, I did missed a couple of lease payments since I got XXXX XXXX XXXX at the beginning of XXXX, and I also spent more than a month accompanying my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then on or about XX/XX/XXXX, I requested a lease extension over the phone with the Acura Lease Maturity Center, and my request was denied. I also requested the lease extension again in writing on or about XX/XX/XXXX, but I never received an official response. I will point out that Honda Finance/Acura Financial reported the lease term as 42 months to XXXXXXXX credit reporting agency XXXX and also around XX/XX/XXXX, the lease term is shown as 42 months on my Acura Financial Services online account. And on Saturday, XX/XX/XXXX, I attempted to sell the vehicle, Acura XXXX XXXX, to XXXX XXXX, but I was unable to complete the transaction since the Acura Lease Maturity office was closed. Regardless, I should have been allowed to sell the vehicle prior to returning the vehicle on XX/XX/XXXX, given that a Lease Extension occurred in some form as I have described and noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to communicate to XXXX, XXXX, transunion and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Product: Payday loan, title loan, or personal loan

The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.
Product: Mortgage

Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX,  though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred. 

1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.

2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.

3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.

a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information. 
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options. 
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.

e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire. 
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request. 

Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.
Product: Debt collection

Someone rented a apartment in XXXX oregon at the collective on XXXX in my name. I have contacted the company multiple times to resolve it and they are just rude and dont listen. also a fact that this was during covid and there was a law passed that the reporting of rent owed during the time frame of which this occured falls into that no agency is aloud to report the debt XXXX and XXXX  XXXX along with the cares act. So not only are they reporting a debt that is fraudulent and not mine but they are also breaking federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXXXXXX XXXX from a us based XXXX XXXX checking account to a XXXX based bank account using sendwave. 
The sendwave app indicated that the transfer was successfull, and that I should follow up with the recipient bank account to verify. 
As of XX/XX/XXXX, the recipient bank has not received the remitance. 
I have provided all the relevant identification and statements to sendwave to prove the above. 
I have not heard back from them about my missing remitance after they initially responded saying they are following up with their local partner.