23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Product: Mortgage

On XX/XX/19 I applied on-line for quicken loan FHA Refinance. As today we still do NOT have a closing date scheduled. 

They have been saying that for the last 60 days that we close in 3 to 5 business days. But quicken never sets a closing date!!! 

I have spent more {$17000.00} on repairs, fees, and pay downs and I have No new loan????
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased a vehicle in XXXX of XXXX. Paid the balance of the lease off in XXXX and XXXX through XXXX of XXXX. JP Morgan ChaseXXXX XXXX XXXX says they will not update the Credit File because there is XXXX balance due and they wont update until the end of the lease - They stated " if you left a {$1.00} balance, we would have updated the credit reporting, but because you paid it off, we will not report until XXXX of XXXX. ''
Product: Credit card or prepaid card

I had an account with XXXX and after a payment was deducted from my card account. I cancelled the XXXX. 
Following my cancellation XXXX XXXX XXXX email informing me they were issuing me a refund {$15.00} and that I would receive the refund before XXXX. The refund was placed into my Netspend all access account. Subsequently the funds were removed back out of my NetSpend all access account without my permission. 
I then contacted my card account issuer NetSpend all access. Who confirmed the refund and reversal by XXXX. Netspend to my dispute along with the copy of the email I'd received from XXXX. and made me pay fees to get a new card. 
On XXXX I received a written letter from NetSpend XXXX XXXX had XXXX XXXX XXXX for {$15.00} and completely ignoring the reversal of the refund back from my account ( done without my permission ) which was the basis of my dispute. 
On XXXX ( the date of this complaint ) I contacted NetSpend all access customer XXXX. 
claim # XXXX and was given the run arround by several different employees. Though only one would provide name and Id # and that would be XXXX. 
another named XXXX and XXXX refused to provide Id numbers.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I found that my name and address is being reported incorrectly. Furthermore, any accounts associated with those incorrect names and addresses should be removed per law 15 U.S. Code 1681i. If the account does not match my name and address I am clearly stating that I want it removed immediately. Thank you for your help in this matter. I have attached my driver 's license for proof of identity.
Product: Checking or savings account

I made a purchase online on XX/XX/XXXX and never got the product. I tried contacting the merchant but had no response and their website was no longer in service, this is obviously a scam/fraudulent website. I dispute the transaction with Citibank on XX/XX/XXXX and provided all the documents requested by mail, email and phone. I spoke to different representative and they either claims was not enough information or that they didnt receive it. Also said that they were going to escalate and file an appeal on my behalf. Meanwhile they tell me to call back in XXXX days to follow up which I do but then they said that I didnt give enough information. I am back and forth with Citibank and they clearly do not provide any help. Is XX/XX/2022 and now they claim I have to sign a letter to give them authorization to handle this dispute on my behalf. Im obviously giving them authorization since day XXXX that I file the dispute but now they want it in written? 
I never had these issues for a dispute before and the amount is {$82.00}. Im doing all the research, providing all the reference information and these people who seem very inept say that is not enough but fail to tell me what else is that is missing. Please investigate this issue with them, I cant believe this is happening and cant even imagine what will happen if is a larger amount that Im disputing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 175648392 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXX XXXX, Account # XXXX : XX/XX/XXXXXXXX  - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Vehicle loan or lease

I recently purchased a car here in  XXXX  at a  XXXX  dealership who chose  Foursight Captial  as the financial institution. On the paper work I made sure it stated that I get paid on the  XXXX  day of each month. I did not want to be late making pymts. The payment is due on the  XXXX  of the month. The dealership said it should n't be a problem because there will be a  XXXX  day grace period. I agreed to mail the check on the  XXXX  of the month.  <P/> On  XXXX   XXXX  I received my   XXXX   call about paymt not being there on the  XXXX . I explained to the young man about my  XXXX  of the month pay. I asked if i would be called every month on the  XXXX  since they now know my situation, he said no. Told me that he would make a note of it in my file. I got a call on the  XXXX   XXXX , and on  XXXX   XXXX . This is harrassment. I have owed out more money than this and have been financed through banks. I have never gotten harrassed in this fashion. I guess because they were legitmate and professional financial instiutions.  <P/> Something has to be done about the way that  Foursight Capital  does business with its customers. After all if it were not for us they would not exist. From what I understand they can change the due date only after you have paid them   XXXX   times. They do this because they know you ca n't pay them until you get paid so they can still money from the customers in late fees. Did they not read the information that was given to them at initiation of the loan? It clearly stated that I get paid on the  XXXX  of the month. These people are not professional they need to be investigated for illegally taking money from their customers in the form of late fees that they deliberately set up to benefit themselves. I want them to STOP calling me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$1600.00}
Product: Debt collection

I reported identity theft in XXXX of 2022 and asked Affirm to close the fraud account. I was told the charges added up to XXXX dollars. Affirm chose not to believe the theft and sent the money to collections without my knowledge. I was told an affidavit was sent however it was sent to the email on file which does not belong to me. I provided the correct email 3 times before the Affidavit reached me. I provided the police report, my drivers license and affidavit only to find out my claim was denied. I called to ask what else was needed and was told my case was closed with no further option. The credit bureaus have report a total of XXXX dollars charged with purchases made in the last several months, despite my request for the acct to be closed back in XXXX. This fraudulent account and poor company communication has cost me over a XXXX point deduction in credit score and increased money sent to collections! 

As reported by several customer service and fraud reps from the company, my maiden name was used as well as the incorrect mailing address, phone number, and email address. I never received a statement from Affirm and the payments were not made by my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these accounts for dispute to the credit bureaus and did not get notification regarding the results of the dispute letters I sent for several months : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX & XXXX XXXX XXXX Account # : XXXX MXXXX Account XXXX XXXX XXXX, XXXX & XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to be removed.
Product: Credit reporting or other personal consumer reports

Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

BANK OF AMERICA with late payments in XXXX & XX/XX/2018 as this account was closed. 

DEPT OF EDUCATIONXXXX XXXX XXXX payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.
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 proce : 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 32 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am reporting all off the information listed on my credit report as identity theft. my information was breached a used illegally. all information listed on my credit report is inaccurate an invalid. please delete an remove all listed items on my file to clear my credit report. this does not follow the FCRA rules an has not been verified correctly. please delete and remove. these items do not belong to me.
Product: Credit card or prepaid card

my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.
Product: Credit card or prepaid card

Dear Sir or Madam, Bank of America has failed to help me resolve several unauthorized charges fraudulently charged to my credit card by XXXX, a satellite service. 
I never contracted or requested any XXXX services. 
I have never had a satellite. 
I have never had a contract, product or account with XXXX, yet, I was refused a chargeback. 

BofA claims I am responsible for continued payment for the fraud XXXX perpetrated upon me and has not helped in any way to address this criminal behavior, instead, they have aided the fraudulent entity XXXX. 

BofA asked that I produce a contract. Since I had no contract, I asked BofA to obtain the XXXX service record for recipients name, location or IP address. This XXXX recipient user information would identify the fraudulent user of record of XXXX service, and confirm that I was fraudulently charged. 

I requested BofA complete my chargeback request and cancel all XXXX charges after XXXX, when BofA and XXXX were notified. BofA recently -8 months later - determined that I am responsible for all XXXX charges despite finding no proof of contract. BofA notified me that despite XXXX not verifying the recipients name, location or IP address, that they were sending their rendition of the dispute to all credit agencies. 

The BofA fraud dispute process and outcome are faulty. I followed BofAs credit card published guidelines. unable without an account to access XXXX ; my daily calls to BofA yielded a COVID recording that advertised BofA could not normally handle calls. 

Please help me to receive fair resolution with BofA, for my chargeback from XXXX of payments made on my credit card, and the cancellation of the continued illegal credit card charges, as well as ending BofAs threat to harm my credit rating by presenting my fraud dispute case to the credit agencies favoring XXXX.
Product: Debt collection

It's medical bill on my credit. My job workers comp paid my medical bills so I'm not sure why it's on my credit. Can I please get it removed cause that's already paid my job insurance paid my medical bills I went to hospital from my job. 

And it's another collection doubt on my credit it's a loan or something that's fraud on my credit I was locked up so somebody must did something in my name when I was locked up it's not mines
Product: Student loan

In XXXX Navient advised me about the Forgiveness Loan Program by phone when I called in inquiring about my student loan. I was sent the ECF form for my employer to confirm I was a XXXX XXXX employee. I completed & faxed back to the number indicated. From that point after speaking with Navient I was told once I make 5 years with my employer I will be placed on the Forgiveness Program for 10 years but until then I will be placed on the Forgiveness Program for 25 years. I called XX/XX/XXXX to inquiry about my the increase in payment on my account but then found out I'm on the 25 year plan indefinitely. Navient provided me with the number to XXXX XXXX to inquire why I'm on the 25 year forgiveness instead of the 10 year. XXXX XXXX advised my federal loans did not qualify as they needed to be converted to direct & I would have to start over making payments once they were re-consolidated. They stated I should have received a denial letter back in XX/XX/XXXX when I faxed the ECF. I never received any denial letter nor was I aware I had to deal with another servicing company outside of Navient. I was never made aware I could have been on the forgiveness plan back in XX/XX/XXXX which means I will have completed my payment plan once consolidated. I was not made aware of the necessary things in order to pay of my student loans until XX/XX/XXXX nearly 11 years after the forgiveness program. I should not be responsible for having to start my loan payments over at 0 after paying for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Checking or savings account

On XXXX XXXX 2020, My XXXX XXXX Account Was Hacked, My XXXX XXXX Account Is Link To My Debit Card Which Someone Hacked My Account And Made 3 Transactions Of XXXX XXXX In XXXX XXXX. Ive Made A Claim With Capital One Reguarding This, They Sent Me A Letter Stating 3 out Of 4 Of The Transactions I Am Responcible ForAnd They Will Be Taking A Total Of {$980.00} Out Of My Account And Also Closes All Of My Accounts With Them..What Ever Investigation They Have Done Was Not Correct, I Have Never Made A XXXX XXXX Transaction To XXXX XXXX In The Past Or Future
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My friend at my previous mailing address noticed a couple of emails in my name. On opening them, there was bank checks from TD bank and XXXX in my name and also a debit card from XXXX in my name. I have not opened these accounts and have no idea how my identity was used to open these accounts. 
I am scared on the extent of my identity theft and want to take all the possible action to prevent this from escalating further.
Product: Debt collection

Previous complaint XXXX was recently closed after the company responded they would remove the items from my credit bureaus. As of today they remain on my XXXX report.
Product: Payday loan, title loan, or personal loan

We purchased a car from XXXX XXXX in XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX and received the loan from Wells Fargo. In early XX/XX/XXXX We received a letter from Wells Fargo Auto Finance stating that they are changing our bank loan and that it would have a different name, and would not affect our loan in anyway and that we did n't have to do anything. So we had no reason to be alerted because it was who had our loan. When our payment book was on its last payment in the book we were so excited, but when the payment was taken out each month after for some time I started asking questions. I cant remember exactly the date we paid it off, but in XX/XX/XXXX we went to buy our house and in going through the process we found out our credit report showed that we had refinanced our XXXX XXXX car loan when we had not. I called the company and the woman said I needed to file a complaint and to send it to a fax number she gave me. I did so but the fax number was a none working number. I continued to call and each time I did they 'd give me the number and each time same thing. 
We do not understand why we had to pay an extra year of payments or how we refinanced a car loan with out our knowledge or signature 's. 
Because of Wells Fargo doing this it dropped my credit score from a XXXX to a XXXX and cause so much hassle trying to get our home. 

XXXX XXXX XXXX