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

Subject : Unauthorized Hard Inquiries on My Credit Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized hard inquiries on my credit report. These inquiries have negatively impacted my credit score and were conducted without my knowledge or consent. 

Inquiries from XXXX The following inquiries appear on my XXXX credit report and were not authorized : XXXX  XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX  XXXX ( Finance ), dated XX/XX/year> XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> Inquiries from Equifax The following inquiries appear on my Equifax credit report and were also unauthorized : XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> XXXX  XXXX, dated XX/XX/year> XXXX XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> Explanation of Events In XX/XX/year>, I visited a XXXX XXXX XXXX purchase a vehicle. I was already prequalified for financing through XXXX XXXX. Before that I had spoken to a representative over the phone that was giving option to refinance another vehicle that I had but I just ended up going to the XXXX and purchasing a vehicle with the loan that a had already been pre approved, After purchasing the vehicle, I attempted to contact the representative to confirm that I did not wish to pursue any refinancing offers. Unfortunately, I was unable to reach them, and they did not follow up with me. Shortly afterward, I discovered multiple hard inquiries on my credit reports from lenders I neither authorized nor was aware of.Even weeks after I receive another hard inquiries as soon as I unfreeze my credit. 

Key Issues 1. I did not authorize any of the inquiries listed above.

2. The dealership submitted my credit information to multiple lenders without my explicit consent.

3. These unauthorized inquiries have harmed my credit score and financial reputation.

Request for Action I am requesting the CFPBs assistance in the following : 1. Investigate the unauthorized hard inquiries listed above.

2. Ensure that the inquiries are removed from my credit reports ( both XXXX and Equifax ). 
XXXX. Hold the dealership or any responsible parties accountable for their actions. 

I have already taken steps to dispute these inquiries directly with the credit bureaus However, I believe additional oversight and action are necessary to resolve this matter. 

Thank you for your attention to this issue. I am happy to provide additional information or documentation if required. 

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

I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.
Product: Debt collection

I got copies of my credit report and found a fraudulent account by Acima Digital FKA Simple. I have tried sending a debt validation letter to this company to verify this debt and was sent a letter stating my dispute was frivolous or irrelevant. I have never agreed to have any type of account with this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX MANAGEMENT # XXXX, Account XXXX : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : THE XXXX STORE # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : RD/IN/BRIDG # XXXX, Account name : ESUSU # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account XXXX : XXXX FXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 or other personal consumer reports

I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer report. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got a call from someone claiming to be a Wells Fargo representative, claiming there was an attempt to wire {$3500.00} from my checking account to another bank, and I needed to take steps on my wells fargo account to " return '' the money. The call came from a wells fargo number and the person sounded very professional, etc. They had me log on to my online account and had me take several steps while they were on the phone such that somehow my account sent money to another bank via XXXX in the amount of {$3500.00}. I opened a fraud claim with Wells Fargo and they did an investigation. Although they admitted it was fraud, they would not reimburse me for my loss. This appears to be in violation of CFPB regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX  is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I have five or more previous requests to dispute and remove the late payment reported on my consumer report by Transunion from XXXX XXXX. The late payment was previously removed however as of today, the late payment has been placed back on my consumer report even though I submitted information showing that XXXX agreed to remove the late payment. I have never been late on this account in the history of this account. The company ( XXXX ) did not make a balance adjustment to the account when the account was in a dispute status.I would like compensation for this financial damage that is being caused to me by Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS
Product: Debt collection

I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX   balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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

I never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reach out to XXXX XXXX XXXX XXXX on XX/XX/2021 for the XXXX time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the XXXX stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the XXXX  of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Equifax does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Equifax marks this account as disputed to prevent further damage to my credit score. 


The account XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Equifax 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Equifax to mark this account as disputed until a resolution is reached.
Product: Credit card or prepaid card

In XX/XX/2016, I updated my mailing address ( which was previously a po box ) to my current residence/mailing address. At that time, I opted out of online statements and contacted Barclay to update my address so I could continue receiving my credit card statements timely at my current mailing address. Unbeknownst to me, my address was not updated correctly by the customer service representative who assisted me which resulted in one missed payments ( two dings on my credit report 1-30 day and 1-60 day ) before I was able to correct the issue and bring the balance currently. Please note that my account was paid timely and in good standing with XXXX missed payments before Barclay 's made this error and has remained in good standing to date. Barclay refuses to remove the late payments despite it being their fault that the account was not updated with the correct address upon my request, despite various disputes over the years.
Product: Money transfer, virtual currency, or money service

Fraudulent charges on my PayPal account were being deducted from my bank account. Submitted disputes to PayPal and they are denying the case as they claim the charges are not fraudulent.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block , Inc ). Due 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 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: Mortgage

On XXXX XX/XX/2023, I contacted XXXX mortgage to inform them my DC property taxes would be due by XX/XX/XXXX. I was assured the taxes would be paid before due from my escrow account. On XX/XX/XXXX, I sent them a copy of the tax bill and a reminder. On XX/XX/XXXX, XXXX replied that they had reviewed it and would pay the bill. They did not pay on time. On XX/XX/XXXX, I contacted them by email and phone and was assured it would be paid and the late fees would be covered by PHH. What proceeded next was weeks of back and forth with the company as they missed the next deadline and incurred a second month of late fees. I had multiple emails and phone calls with XXXX from the company assuring me they would pay the bill and would be responsible for the late fees. I insisted the fees must not come out of my escrow account since it was PHHs failure to pay the tax bill that incurred the fees. The fees were finally paid on XX/XX/XXXX. On XX/XX/XXXX, PHH deducted the exact amount in late fees from my escrow account, thus making me pay the late fees they incurred. Ive contacted them by email and phone multiple times since XX/XX/XXXX about this issue and have received nothing but automated email responses and voicemail. This can not be legal that this company that I did not choose to get a mortgage with ( was sold to them from XXXX XXXX  ) does not pay bills on time and took my money to cover their mistake. They have now also told me they cant pay my homeowners insurance form my escrow account but continue to deduct money each month for the escrow insurance. I now have another tax bill due and am not confident they will pay this on time. The company is unresponsive and dishonest in their dealings, and based on the bit of internet research I have done, this is their common practice. I need to know what I can do to make them redeposit the {$240.00} in late fees they took without authorization from my account. Thank you. 

PHH Mortgage Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One account # XXXX, is reporting to XXXX that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and XXXX is reporting the same capital one account # XXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and Trans uion does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/year> : XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX ( Original XXXXXXXX XXXX ) : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Debt collection

I received a copy of my credit report and found inaccurate account.
Product: Student loan

I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan and now nelnet reported my student loan as delinquent in XXXX. That is not correct. I was unemployed and then on active duty and called then fed loan for a forebearance until I could find employment, which I did by going XXXX XXXX XXXX XXXX XXXX. This has absolutely destroyed my credit because fed loan now nelnet had my student loans divided into over 20 separate accounts. This means my credit score is ruined based on 90-something delinquent accounts.
Product: Credit reporting or other personal consumer reports

experian Closed Account XXXX XXXX  Total XXXX Closed Account XXXX  XXXX total XXXX Collections Account XXXX XXXX XXXX total XXXX XXXX XXXX Account XXXX XXXX  Total XXXX Collection Account XXXX XXXX  XXXX Charge off Account XXXX XXXX  total XXXX XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX XXXX total {$4500.00} Charge off Account XXXX  XXXX total XXXX Charge off Account XXXX XXXX  total XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE AND REINVESTIGATE SO THEY CAN BE IMMEDIATELY REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.
Product: Credit card or prepaid card

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.