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

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX, Factual Data, XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for XXXX XXXX XXXX. I do not have recollection of who the other two companies are that are reporting : Factual Data and XXXX XXXX are reporting on XXXX during/after the FTC reported XXXX breach .
Product: Vehicle loan or lease

I can only give an estimate of the year I bought a lemon and accepted a loan from fraudulent Westlake Financial in California! It was opened around XXXX of XXXX and I was unable to pay the loan back because of having to put my money to fix the lemon that was sold by a used car lot in XXXX, WA. The loan was later written off and canceled by the triple credit reporting agencies 7yrs after XX/XX/2012 and XXXX XXXX this day keeps re-opening the loan as if they had permission to and keeps reporting it as delinquent! Something needs to be done with this company!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX  Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$68.00}, XXXXXXXX XXXX XXXX XXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I started banking with citi bank and the representative found out XXXX XXXX and closed my account for supposed fraud but never provided any proof and 18 months later still refusing to release my funds it's a devastating setback because the business account damage is unbearable XXXX still being held without any explanation and the lawsuit came at the same time neglagence racism etc was going on with citi i am a victim of discrimination by citi bank and desperately trying to get help please update me how to resolve this ASAP thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Credit card or prepaid card

I used my credit on XXXX th to pay back a small loan, never ever used this card to handle or withdraw any cash! I just Received my statement today and not only Capital One charged me {$10.00} fee for '' cash advance '' but also they withheld my money twice and never ever disclosed ajupf these terms to me!
Product: Mortgage

I refinanced my mortgage in XX/XX/XXXX for 15 years with CitiFinancial Mortgage Co., Inc. The note had a Timely Payment Rewards XXXX which would drop my interest rate by 0.05 % if I completed with XXXX conditions. Good Payment History ( never being late ) and the $ XXXX. Loan Equity Builder where I sent in an additional {$100.00} every month which would result in my note being paid off in 8 years and 8 months, ( per Loan Equity Amortization ). This would result in my note being mature on XX/XX/XXXX. I have been watching the balance owed and noticed that there was more owed on the note than should be. This began several phone conversations with Citi and then I began corresponding in writing. When Citi applied the above mentioned Rewards XXXX, they changed the amount of monies that were being applied to the principle therefore extending the note by ten months. If you take the difference in the XXXX month of the note and apply that to the principle, then my note would have matured this past XX/XX/XXXX. Citi states that they did not apply monies incorrectly and they changed how the principle/interest is applied. I think this is a breach in our contract. I have several letters of conversation back and forth between Citi and myself, which I will attach.
Product: Prepaid card

Credit Karma advertises if you apply for a credit card.And do not get the card. They will give you {$50.00}. I apply for XXXX card. I was denied. Therefore Credit card owes {$50.00}. I chatted with Credit Karma on two occasions. One occasion they sent and email stating I was going to receive a gift card for {$50.00}. Then they sent another email saying different.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified XXXX XXXX XXXX XXXXXXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I have received contionous forwarded mail from CREDIT CONTROL LLC located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX and with a reference number of XXXX. I have never done any business with the company as described here and within this complaint. I attest that this matter is the result of fraud and identity theft. I am unaware of the company and I do solemnly swear that I do not owe any amount of debt to the company, it's associates and or it's affiliates. I do not know the company and I have no business personal or professional with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Product: Money transfer, virtual currency, or money service

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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I opened a year long cd with Marcus from Goldman Sachs, one of several. When a CD matured the month prior, I received an email from Marcus 30 days in advance warning me that it would renew so I called and closed it as I always do. When a CD with a large amount of money was set to mature at the end of XX/XX/XXXX I did not receive a warning email. Instead, on XX/XX/XXXX, I received an email congratulating me on renewing the account. I called to complain and was informed that I had missed my 10-day grace period ( the account had renewed on the maturity date-XX/XX/XXXX- but Marcus waited until 3 days after the grace period to inform me about the renewal ). I said I had never received an email that the cd was set to mature as I had in the past and the agent claimed it had been mailed to me, even though my settings were for notifications by email. The agent refused to budge and told me to close the account would incur a more than XXXX dollar penalty fee. I have no record of receiving the maturity notification letter, but it shouldnt have been sent to me by post regardless.
Product: Vehicle loan or lease

I did not have a debt with this company. I did not agree for my information to be used for third company information. This is goes against consumer law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency for which the consumer obtained information for resell.
Product: Debt collection

The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Debt collection

Unfortunately, I had lost all sources of income and fell behind on my bills. XXXX credit card in particular, XXXX bank unfortunately defaulted. During this time, I had applied for social security beneftis, and after the default, I was approved. Once my income was secured I called up the collection agency handling the account to resolve my debt. They had agreed to a settlement amount of {$2300.00} vs. the balance of about {$3100.00}. I still only receive $ XXXX month so I asked if I could pay what I could afford toward this settlement amount. They said I could, and I provided my account and routing number to establish a routine transaction. Six months later, I find out that they are not willing to honor the settlement agreement.
Product: Vehicle loan or lease

XX/XX/2020 I paid off a {$12000.00} auto loan with XXXX XXXX XXXX XXXX XXXX Experian was taking a long time to update my credit report and still said I had {$3000.00} that I owed on the vehicle and I have paid that already I contact the Experian asking them to update my auto loan is paid off XX/XX/2020 they reported it was paid off but XX/XX/2020 removed it off my credit report and I've been trying to get it back on ever since I have proof that XXXX XXXX XXXX XXXX have been reporting this paid auto loan to my credit report and experience refusing to place it on my credit report
Product: Debt collection

I was on a lease to own purchase for a bedroom at during Covid 19. I had to abruptly leave the state and asked to return my bed. Kornerstone credit approved the return but I didnt have a truck and the company that I brought the bed from refused to pickup the bed. Kornerstone then allowed me to donate the bed and I did drop it off at good will. They then sent this to a collection agency that is now hurting my credit and preventing me from getting a house. I have an email attachment from Kornerstone approving the donation so this is not a valid debt.
Product: Debt collection

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Security Credit Services ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Security Credit Services ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.
Product: Student loan

I co-signed on a student loan for my grandaughter in XXXX at XXXX University.I have been paying this loan since then. I have paid this for twelve years and they are only saying ive paid {$53.00}. They state they charge interest by the day which i surely dont recall being in the contract i signed. Ive paid off XXXX cars brand new in this time so that should tell you something. This loane should have been paid off, my credit report even says it was closed and here it comes again. Im a senior citizen i can not even retire with this hanging over my head. Ive called XXXX of times no one can answer questions they transfer you or hang up on you! Sallie mae sold their accounts to navient and when you they transfer you back and forth between companies. The last call was made XXXX/XXXX/XXXX i spoke with XXXX, XXXX and XXXX who just kept transfering they are incapable of answering questions or maybe theyre trained that way. At this point i feel they owe me money because ive over paid.
Product: Money transfer, virtual currency, or money service

Our issue first came when we were paid out by XXXX XXXX through a digital credit card for our services for a total of {$3500.00}. It was sent through XXXX XXXX  and transferred to our Square account.

Once we began processing the transfer from our Square account to our business banking account, Square has held our funds for a month with many delays and a {$120.00} fee. We paid this fee expecting an efficient transfer of our funds. On further communication with the company, they ran us through a verification process which was successfully validated. On completion, however, they sent an email saying that our account was deactivated and have frozen our funds until XX/XX/2024 with no option for appeal. 

We are an official XXXX business and have met all the criteria listed for Square transactions. Furthermore, we have been paid out by the official XXXX XXXX XXXX XXXX XXXX 

Please let us know if any further information is needed. Thank you.
Product: Credit reporting or other personal consumer reports

Due to the recent data security breach I noticed XXXX fraudulent accounts on my credit report with XXXX, XXXX XXXX XXXX. After further investigation its looks as though XXXX USC 1681 was violated.

ational Public Data, which aggregates data to provide background checks, has confirmed it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. 

The XXXX XXXX, XXXX, company posted on its website a notice this week that " there appears to a have been a data security incident that may have involved some of your personal information. The incident is believed to have involved a third-party bad actor that was trying to hack into data in late XX/XX/XXXX, with potential leaks of certain data in XX/XX/XXXX and summer XXXX. '' News about the breach first came from a class action lawsuit filed in XXXX XXXX XXXX in XXXX XXXX, XXXX, and first reported on by XXXX XXXX. Stolen from XXXX XXXX XXXX ( XXXX  ) were XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades, according to law firm XXXX XXXX XXXX XXXX XXXX, which filed the suit.
Product: Mortgage

My mortgage servicer has been misapplying my payments since XX/XX/XXXX. They have been applying the wrong amounts to both principal and interest. In addition, they have not been applying my payments towards arrearage to principal or interest. Furthermore, they did not completely Reinstate my loan, after XXXX entered an agreement with them to do so. That occurred in XXXX. They did not apply the funds to principal or interest, and did not reconcile the loan. I entered a complaint to CFPB in the past. My prior complaint ID is XXXX. I will be submitting documents and a spreadsheet, which proves my mortgage is paid in full.