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

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 : 1. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX XXXX 2. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 3. Date : XX/XX/year>2022 Company : XXXX  XXXX 4. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX 5. Date : XX/XX/year>2022 Company : XXXX  XXXX 6. Date : XX/XX/year>2022 Company : XXXX XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX  XXXX XXXX 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. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
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, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX, XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Checking or savings account

My name is XXXX XXXX. XXXX and I live in XXXX North Carolina. On the XXXX of XX/XX/2023 I sent a mobile check deposit to XXXX XXXX in Connecticut the amount was for XXXX the check was from a settlement I was awarded from a suit I won but I am not able to say who the check was sent by due to the agreement that was part of the suit the check was from New York the account was from KeyBank which is a owner of XXXX. On the XXXX of XX/XX/2023 the bank placed my funds in my brand new savings account but when I went to withdraw some of my funds the bank would not let me and said the account was under review. I called numerous times trying to figure out what was the problem and on the XXXX of XX/XX/2023 I talked to someone on a recorded line that said that XXXX XXXX would allow me XXXX to be wired by XXXXXXXX XXXX  to an external account that I had linked to my XXXX savings account on the XXXX of XX/XX/2023. When I called to see why the funds were not wired to me I was told that they were now not going to wire me the XXXX that whoever it was I talked to should of never told me that this also on a recorded line that the bank has. So on the XXXX of XX/XX/2023 I tried to wire myself some of my money that is in my savings account and I was denied and XXXX locked m out of my account not froze my account just locked me out so I could not use their website or app. I called XXXX several times today, XXXX of XX/XX/2023 and they needed proof of address and a copy of my driver 's licenses which I sent to them immediately and called the bank to make sure they received the documents they asked for why didn't they want those documents before even opening my account I'm not sure but it seems that if they needed them that bad they should of asked before even opening my account and accepting my check. I finally told them I wanted to close my account and they could wire me my money by XXXX of the external accounts linked to my XXXX savings account and they told me no that I was locked out of my account because it was under review and until they seen fit they were not going to close my account or give me access to my funds which again is XXXX. I hope someone can help me out here how can they just hold my money and tell me I can not close my account? Thank you for your help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting account XXXX  Account # XXXX XXXX CARD, 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 XXXX : 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

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX. XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse items 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 related 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 written numerous complaints, so that the court will be replete of the efforts I've made to fix this situation. Experian continues to report a fraudulent account despite the fact the other two credit reporting agencies have BLOCKED the account years ago. Experian originally did, for some 3/4 years and without notification unblocked the account. I have substantial proof they violated the law, I am at wits end with trying to remedy this issue. Additionally I've spent XXXX on attempting to fix it. I have receipts and am a member of a class action initiated with Experian and will recoup my Funds. This XXXX XXXX XXXX account is patently illegal and Experian had blocked it once and now for reasons they refuse to provide will not causing me irreparable harm.
Product: Debt collection

I CONTACTED THIS COMPANY BY PHONE AND LET THEM KNOW THIS WAS NOT MY ACCOUNT. I ALSO SENT THEM A CERTIFIED LETTER ASKING THEM TO VALIDATE THIS DEBT WITH PROOF LIKE A SIGNATURE FROM ME TO PROVE I AM INDEED RESPONSIBLE FOR THIS DEBT. THEY ONLY SENT BACK A BILL. NOTHING THAT VALIDATED WITH MY SIGNATURE OR ANYTHING TO PROVE IT WAS ME WHO OPENED THAT ACCOUNT. I ASKED THEM TO STOP REPORTING BUT THEY STILL ARE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX emailed me about a credit card. He said they had info from previous day where I open checking and savings and this was on XX/XX/24 then on XX/XX/24 I got an alert that my credit had been pulled. He said no it had not I thought was XXXX had not been pulled or no credit. So I investigated to find it was equifax. So in this mix XXXX done nothing he said he would but also basically acted like this was no big deal. The. He made a comment that tuned me up and he received a good old country talking to and he hung up on me. So this is where I bring the attention to CEO and boss. I will soon talk to an attorney to take this to the next level and prove customers info and credit cant be used at his discretion. Thanks XXXX XXXX
Product: Checking or savings account

I schedule a payment monthly on the merchant 's website ( XXXX - utility company ) for my bill, and have done this for the last 10 years. I scheduled a one-time payment of {$210.00} to be paid on XX/XX/XXXX. As shown on my statement, this amount was deducted twice from my Citizen 's Bank checking account on XX/XX/XXXX. One of these payments was reflected in my XXXX account, the second payment that I did not authorize, did not reflect on my XXXX account and is still " missing '' to this day. 
- I contacted Citizen 's Bank on XX/XX/XXXX and they said they would resolve this. I saw my checking account was credited XXXX on XX/XX/XXXX and believed this issue was resolved. I later found out the payment that XXXX received was canceled and returned to me, so I still owe this to XXXX. The second payment is still missing. 
-I have been in contact with both XXXX and Citizen 's Bank for over four months with no resolution and filed a XXXX complaint against the bank with no resolution. 
-Citizen 's Bank said the second payment was sent to XXXX and they need to locate it, XXXX says they do not have a second payment. I am stuck in the middle. I did not authorize a second payment and I do not know why it was made. There is a mistake somewhere, but I am not an expert on ACH transactions and can not determine ( and shouldn't have to ) where the error occurred. 
-I authorized one payment, as I do every month ( and every month since ), however, Citizen 's Bank sent 2 payments on XX/XX/XXXX. I have spent countless hours on hold, on the phone, sending emails, gathering statements, etc. Although I believe some people want to help, It has been over four months without a resolution.

-I can not say with absolute certainty that the error is on the bank 's end, and not the merchant XXXX , because I do not know exactly how these online transactions work on the back end. Citizen 's Bank made a second payment that was not authorized. This is an electronic transaction and I can not understand how it can not be traced and determined what exactly went wrong and where this money is. This should not be something the consumer has to spend countless hours working to figure out. I hope I can have some help in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX  XXXX XXXX reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX  provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX  stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX was paid in full. I had 18 accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.
Product: Debt collection

As I know nothing about this matter dated XX/XX/2005 I called the company seeking info. While on the phone call they continually threatened to sue me then wreck my credit and finally put me in jail. I kept asking them why the matter is so old. They said there was no time limit. I asked for proof. All they sent was a fuzzy photo copy of a picture of a an intersection. 

The date on their paperwork is XX/XX/2005. It is 17 years old. 

I feel that they are threatening me. I feel that theyre not legitimate. I feel that theyre giving me false information. I fear this company.
Product: Debt collection

XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed.
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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Citizens was contacted on the following dates XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX XXXX then the office of the Chairman, XXXX Case number XXXX was given regarding 1. The removal of the escrow account as more than 20 % down was given at closing and escrow fees continue to rise. 
2. The proper amount of my mortgage loan ought to be {$1200.00} not {$1300.00} as currently requested. 
I was told that by XX/XX/XXXX a verdict would be reached regarding this request. 

It is now XX/XX/XXXX and a new mortage bill arrived 1. Escrow was NOT removed -- no letter, no verdict, no discussion sent 2. There is a {$40.00} fee, that is not justified 3. Current loan payment, even if escrow is to be included ought to be {$1200.00} not the {$1300.00} that they state. 
4. They are requesting {$1300.00} citing an unknown fee and charge, that is not permissible. 

This IS mortage fraud
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit card or prepaid card

I have attached a detailed complaint letter ( dated XX/XX/2020 ), please see attached. 
In summary, this complaint follows on from a prior CFPB complaint ( # XXXX ). I now have incremental information that reveals that the chief basis for my claim denial was inaccurate, or an outright falsehood, and that reasonable due diligence was not undertaken by the agent who processed the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.
Product: Credit card or prepaid card

I have a Walmart master card. I pay my bill early every month. I made a payment of XXXX usd and it was an early payment but they charged me a late fee because the payment was not what they recommended. Then at some time in the last 2 months I 've been charged XXXX dollars. I have a situation in my life that no one can fix. I think someone paid them to up my bill
Product: Debt collection

XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.