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

Formal Dispute of Unauthorized Credit Inquiry by MicroBilt I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : XXXX Inquiry Date : XX/XX/2024 Alert Date : XX/XX/2024 Business Type : XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by MicroBilt was made without my explicit consent. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : I believe the inquiry was conducted under misleading circumstances. The FCRA requires transparency and proper authorization for credit inquiries, which were not observed in this case. 

Violation of Consumer Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my credit score and may affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

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

I paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. 
Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. 
I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. 
Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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

I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize to be placed on my consumer report.
Product: Credit reporting or other personal consumer reports

Regarding these accounts below, I am writing this letter. That affects me greatly and shows up on my credit record. These accounts show up on my credit record as I was victim of identity theft and had my data hacked.
Product: Credit card

Hi, without my knowledge the CITI credit card was generated on XX/XX/2023 and I did not even receive the credit card. It looks like someone used the card and made purchases two in XXXX and 1 in XX/XX/2023. I came to know about this issue once the 90-day payment crossed and hit the XXXX XXXX report that I missed the payment. After going through the details I understand that the card got generated and was misused by someone. Immediately I raised a complaint with the Citi Bank security department to dispute the charges and blocked the card. The card is blocked and dispute the charges are in progress ( investigation stages )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 

2. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit card

On XXXX I sent by mail the payment of my balance {$82.00} of my XXXXXXXX XXXX  credit card account, Comenity bank, they deposited the payment for the XXXX, one day after the deadline and charged me a late fee, I did not see justification for that way of creating a late fee, therefore I spoke with them, but they did not give value to my claim and have continued charging based on that original late fee, and the account is now at {$240.00}. In addition, every month they send me non-payment notes to the XXXX, to break my credit, I pay all my cards early, therefore I consider it an action of malicious intention. In addition, they did it with another card that I had with them, where I made the payment online, however, they charged me late fees because I did not have the money in the bank, but with the bank statements I showed that I did have the money and they paid me for the damage. caused. 
Finally I did not want to make that payment because I do not consider it fair that having paid the entire balance on time they are charging me unjustifiably
Product: Mortgage

I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. 
I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX  Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, 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 an account without my written instructions 15 U.S. C 168Tc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) Die to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash APP failed to take timely and effective measures to prevent and address fraud and 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.
Product: Bank account or service

PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX
Product: Credit card

I have recently had a problem with my XXXX credit card. Today i received a call from a collection agency about my XXXX card. I have received no notice of this from XXXX themselves. i was just hit with a phone call that my account has been sent to a collection agency. What shocks me even more is that it was for the Amount of XXXX. I was shocked at this phone call so i called XXXX in order to better understand the situation and all i received from the representative was that i had to pay the amount, and that nothing could be done about the fees!!!! I did n't even realize i owed money to XXXX, and i was NEVER contacted by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed my XXXX payment with Affirm. In order to catch up, I made two payments to Affirm in XXXX. On XX/XX/XXXX I made my final payment to Affirm early before my XXXX due date. Affirm reported to XXXX that I was late in XXXX. They also reported no available information for XXXX. Then Affirm reported XXXX as being late even though I paid off my bill early before my XXXX due date.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received an alert on my credit report of a new XXXX XXXX, which i have never had XXXX XXXX I called XXXX and reported the fraudulent collection and opened a FTC report and submitted everything to XXXX and disputed it with all three credit bureaus, but yet somehow XXXX can not find the account or anything under my name. Yet the credit bureaus keep saying that it is accurate and verified. Can someone please explain this one to me?
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts XXXX my credit file : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}.
Product: Mortgage

The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I found an apartment listing online. I called the number to inquire about the listing and had a conversation to a man that identified himself as the property manager. After discussing for the price and location of the apartment, the man told me to send {$75.00} for an " application fee '' via Cashapp. After sending him the fee, I received a call from him saying to send him all of the rent upfront ( which amounted to more than {$4000.00} ) in order to " reserve '' the apartment. I told him that I needed to see the place and have a lease first but he refused to do any of those things. I contacted my bank and Cashapp to report a scam but they refused to do anything about it and Cashapp refused to refund my {$75.00} for the " application fee '' that I paid.
Product: Credit reporting or other personal consumer reports

My identity was used to open some accounts after my identity was stolen Someone used my identity to open XXXX XXXX XXXX on which was opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXXXXXX XXXX XXXX  card opened on XX/XX/XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX
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,
Product: Checking or savings account

A transfer was made to Wells Fargo account on XX/XX/year> from XXXX XXXX. During my last complaint I was advised that if funds are not available transactions would be returned. I agreed and this did not happen. I was charged 7 {$35.00} fees and my transfer did not make it to Wells Fargo until XX/XX/year>. It took 4 days for banks that transactions have continued to interact with also. I have asked Wells Fargo to remove XXXX, XXXX automatic transfers since asking both companies has resulted in both taking funds each month, and quickly I transfer them back. Any assistance would be greatly appreciated.
Product: Checking or savings account

I have submitted 3 or more complaints regarding unauthorized transactions on my debit account with U. S. BANK, which did not have sufficient funds to complete transactions. Although it was my understanding that DEBIT meant " only successful in transactions for money in account '' that if there wasn't enough money to completed payment, then transaction HAD TO BE DENIED FOR NON SUFFICIENT FUNDS. But USBANK 's response to my issue was, " on mobile app ONLY, the permission to allow overdrafts is defaulted TO ALLOW... on debit account. I FEEL THAT IS INTENTIONAL FRAUD FOR FEES INCURRED BY THESE NON SUFFICIENT FUNDS TRANSACTIONS. So I immediately opened mobile app and after digging extremely deep into account permissions, I finally found and deactivated the allowance of INSUFFICIENT FUNDS transactions being processed. Us Bank reversed the transactions from XXXX  XXXX XXXX XXXX, XXXX, AND XXXX, removed penaltly fees and put my account bank into positive balance. BUT THEN US BANK IMMEDIATELY ALLOWED SAME COMPANIES, XXXX, XXXX, XXXX, to process SAME TRANSACTIONS. My denial of overdraft permission WAS COMPLETELY IGNORED. This was 2nd complaint w CFPB I filed in USBANK. CFPB kicked it out as a duplicate. UsBank was misunderstanding my complaint. The overdraft default edit to NOT ALLOW, should have been enough defense. And the fact that CFPB closed my cases claiming duplicate and now I read on CFPB website that USBANK is on the list of banks WHO DO NOT CHARGE OVERDRAFT OR NSF FEES. I HAVE A REPORT OF ABUSE ON MY CONSUMER REPORT FROM THE {$130.00} IN FEES CHARGED WHEN US BANK ALLOWED UNAUTHORIZED TRANSACTIONS AFTER I EDITED THE DEFAULT PERMISSION, AFTER MY COMPLAINT TO CFPB, AND AFTER I REPORTED XXXX AND THE NUMEROUS ADVERSE DECISIONS SOLELY BECAUSE OF THIS FRAUDULENT CHARGE SENT TO DEBT COLLECTION AND SEVERELY AFFECTS MY ABILITY TO OPEN BANK ACCOUNT
Product: Credit card or prepaid card

I used a balance transfer check that that had a regular interest of 20.99 % for the amount of {$900.00} on XX/XX/2021. I made 3 payments to cover this {$900.00} payment a week later ; XX/XX/XXXX {$150.00}, XX/XX/XXXX {$560.00} and XX/XX/XXXX {$190.00}. Those payments were not applied towards this check ( {$900.00} ) that i had used. I did have about 3 other 0 % interest balance transfer offers, and it seems like they applied those ( 3 ) payments towards the 0 % balance instead of the one that was 20.99 %. I called them to get an explanation and told me the reason it wasn't applied was because i was not billed for the {$900.00}, therefore payments made were not applied towards this but to the other offers that had 0 %.