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

I am writing to dispute certain inquiries on my credit report that were made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), inquiries that I did not authorize must be removed from my credit report. 

The following inquiries are unauthorized : 1. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 3. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize them to access my credit report. I request that these inquiries be removed from my credit file immediately. 

I have included the following documentation to assist your investigation : 1. A copy of my credit report with the unauthorized inquiries highlighted. 
2. A copy of my government-issued ID ( e.g., drivers license or passport ). 

Please investigate and remove these inquiries promptly. I would appreciate an update once this issue is resolved. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # 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: Debt collection

Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : XXXX XXXX XXXX XXXX. Contrary to the reported late payment in XX/XX/2023, all payments were made on time. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.
Product: Money transfer, virtual currency, or money service

I am finally against Cash app ( Block, Inc. ) due to inadequate customer service and art failed practice, which ballet, the consumer financial. protection act ( CFPA ) Specifically, cash app failed to take timely, and effective measures to prevent and address fraud on their platform account, 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 those violations.
Product: Checking or savings account

Im a simple banking customer transitioning to BBVA. Ive been trying to gain access to my account, which they have locked for no reason. 
Ive been calling to gain access but they claim to not hear me and immediate stay call them back and hang up. I just want access to my account and funds but they have not done so. Theyve changed my routing number, and because of that Im unable to pay my credit card bills as I need the routing number to link my account. Please advise.
Product: Vehicle loan or lease

This vehicle was returned to the company in 2014 when I was XXXX  by me Ex and unable to drive and has to leave the state. The balance was XXXX for some reason now it was update to XXXX. How do I own more years after returning the vehicle. In addition the vehicle mostly has sold and they have made money off the vehicle and my balance should have decreased not increased. I have been disputing this many times and they only added to my balance.
Product: Credit reporting or other personal consumer reports

I have wrote LexisNexis for several months, called them and also requested my credit report online. The one time they gave me the report link it was expired and not working. I don't know what else to do, please help me get my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX Act. # XXXX XXXX XXXX  Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX
Product: Credit card or prepaid card

My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. 

Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. 

Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. 

I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages.

For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior.

I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report I would like to have them removed from XXXX, EXPERIAN, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally request the removal of a hard inquiry that was made on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did NOT authorize, and I kindly ask for this to be investigated and removed at your earliest convenience. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid in full my balance with this creditor 2 months ago. They were supposed to change my status and balance on my credit as paid. Nothing has been updated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Your Email ] [ Your Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] Subject : Dispute of Unauthorized Hard Inquiry XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report from XXXX ( XXXX XXXX XXXX XXXX ). I have never applied for credit with this entity, nor have I authorized them to access my credit report. 

Under 15 U.S.C 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose before conducting a hard inquiry. Since no such authorization was given, this inquiry is indubitably unlawful and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I never written a letter to agree to furnish account without my consent. Consumer laws protect as this account violates my privacy against my will. its also a form of identity theft as well as my personal information is public. I will be filing a Identity Theft Report as well.

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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX LATE PAYMENTS NEEDED REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I didnt know this would drop my credit score. 71 points
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax This showed up on my account I didnt request this from them. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX- XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX 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 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 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 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 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 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 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 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 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

trans union credit bureau reduce my credit score Do to enquiry by credit XXXX Bank. 
Credit XXXX bank is a credit card company located in XXXX XXXX phon numer is XXXX, i never got in touch with this bank befor and i never enquire for any loan or credit card of any type of credit. 
i called them today XX/XX/2024 to find out why did they pull an inquiry of my credit report, from trans- union they told me that it might be an imposter that used my social security number to obtain a crdit card or a lone.they asked me to provide them with for my social security numbr and i was afraid to give it to them. 
i keep getting emails from loan institution requesting me to contact them for loan approval and i never asked for any loans... I never respond to this email..
Product: Debt collection

I received a letter from Remex Revenue Management Excellence in New Jersey collection Agency claiming I owed a debt on XX/XX/XXXX but letter was dated XX/XX/XXXX. I replied to their letter on XX/XX/XXXX through Certified mail, asking to verify this debt they claim I owed. I also asked by certified letter that all communication must be done in writing. They had 30 days to respond to me with verification. Before the 30 days, they went ahead and added this debt to my credit report when it was still being disputed. I received another letter from them recently stating that I owed this debt and send me a ledger instead of my request to validate that I in fact owe this debt. I contacted the original creditor and it was confirmed by them that my insurance had paid for this procedure. Remex Revenue Management Collection Agency in New Jersey ( I live in XXXX County ) violated my rights by not providing proper verification pursuant to 15.U.S C. 1692g of the fair debt collection practices Act. They also violated the fact that it was still under investigation and yet added to my credit report causing a negative remark. I continue to dispute the validity of this debt and I ask that they immediately remove this from my credit report. I have read all their reviews and they seem they have a habit of doing this to people. By law, they are required to validate this debt with original statements and or contracts stating that I even owe them ( Remex Revenue Management ) any monies. This account has been sold from one collection agency to the other. Again, they are in violation of my rights pursuant to the debt fair practice act when this debt was paid by my insurance years ago.
Product: Mortgage

On XXXX XXXX, XXXX, XXXX and XXXX XXXX submitted a home loan application at your XXXX Navy Federal Branch with Ms. XXXX ( XXXX ). She provided excellent customer service but every encounter thereafter was less then professional. XXXX advised us the we would receive an offer letter within two weeks of submitting the loan application. 

Using the XXXX provided all requested documents on XXXX XXXX, XXXX. We did not hear anything from Ms. XXXX for over a week. My husband called and emailed her several times. 

After three weeks we finally received a call and email correspondence on XX/XX/XXXX, stating that a decision was made and to return her call to go over the decision. My husband spoke with her and she advised him the the loan was denied and she did not provide specific details regarding the loan denial. She merely stated that we had to many delinquencies in the past 12 months. My husband is a veteran and he served XXXX yrs. in the XXXX XXXX and we are both government employee 's. We have had a attitude of service for both the country and state of California but no one will serve him! 

Ms. XXXX XXXX did not provide information about were we could retrieve the information used to deny the loan. Her lack of professionalism with regard to timeless, providing information, and lack of customer contact throughout the process, made our experience horrible. 

My husband and I feel discriminated against because we were asked where we wanted to purchase our home, because he is paying {$740.00} per month in child support ( which will cease in XX/XX/XXXX ) and because my husband and I complained about her vigorously. We called the Navy Federal Branch manager and supervisor ( who we couldn't get on the phone ) who we left messages with requesting a return phone call. No one ever returned our calls. 

We submitted a written request for an appeal of the decision and yet again ; no correspondence, decision, contact, answered calls. As a matter of fact the phone number she leaves on her voice mail is disconnected. Call it : Her Cell - XXXX and the number she says to call her at XXXX ( disconnected ) We will be reaching out to the State Attorney General 's Office to see if any laws have been broken and to request some mediation/resolve. We would love to here from you.
Product: Checking or savings account

I had a problem with my debit card information getting used for purchases I did not authorize. I also did not give my information out to anyone. I used my card once with XXXX and some employee hacked the system and took my info and tried to buy stuff but I was alerted by text and called the fraud department and it got resolved quickly. But I had to cancel my card and get a new one. Then somehow my card got used in a state Ive never been to for pizza. I saw the charge on my account and called the fraud department again and got it resolved. Well now the fraud department says that Im in violation of the debit card agreement. All my disputes were found to be valid and founded by the credit union so I dont know what I exactly violated. I read the agreement and have not done anything against it at all. But now I am told that I cant get a debit card for a year and that they have closed the matter. I have asked repeatedly for them to tell me exactly how this is my fault and why I am being punished and they will not give me an answer. I thought Navy Federal CU was a good institution until this happened but now Im feeling unfairly punished without good reason and I am being bullied by the fraud department. I want another debit card for my account and for them to make it so thieves cant get my info so easily. I dont use it very often except to pay bills on secure sites or on XXXX XXXX I deleted my XXXX account and am careful to not have my debit info out there. Can you help me please? If I just close my account then they win and can continue to treat other customers this way which is not professional in my opinion.
Product: Checking or savings account

Navy Federal Credit Union does not have a nearby location so most of my deposits are made in cash at co- op atm and I have never had a XXXX hold placed on a cash deposit. I deposited cash at a co op atm location where i got the info from the navy federal credit union website because I was travelling, and it gave me the location of XXXX XXXX XXXX. I proceeded there and made a cash deposit of XXXX and it never showed up in my account. I called XXXX XXXX XXXX and they confirmed my cash deposit. I called my bank Navy FCU and spoke with XXXX and was told there's a XXXX hold on cash. This is unacceptable. I think Navy FCU is placing unnecessary hold on my deposits intentionally. My accounts with them have always been in good standing. The deposit amounts are small. So because i filed a complaint about my previous deposit now everything i deposit moving forward will be place on extended hold including cash??? If you review all my cash deposit at different co-op atm i have never had a XXXX hold placed on cash. I spoke with XXXX the supervisor and she said even though the Navy FCU has this location on their website if they don't receive a image from the bank of deposit the transaction from XXXX XXXX XXXX its subjective to a XXXX hold i informed her again it was cash. No one can justify placing a 5 day hold on. XXXX XXXX the manager from XXXX XXXX XXXX phone number XXXX ext XXXX call me back to verify everything went through ok on their and even though Navy FCU doesn't have the image they claim they needed to justify the hold XXXX is willing to fax them a copy of the image they need to confirm it was cash and she said they never had an issue like this before especially since its cash. So, what's the real issue here XXXXavy Fed CU? This is intentional.
Product: Checking or savings account

Where is the endorsement for check XXXX? The check was made payable to XXXX XXXX XXXX for our insurance premium. Was this check deposited into a Wells Fargo account?