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

XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX XXXX  and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   XXXX and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXXXXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Product: Checking or savings account

Someone is stalking me, and they somehow got my online banking information hacked my account and transferred all my money out of my account, also they came back through a false advertising scam stating they were XXXX XXXX and that they were offering a work from home position and sent me fraudulent information and a fake check. I wasnt aware of that being fraudulent till after the fact. For some reason someone been soliciting trying to make me a miserable old man at a early age. Because people keep attempting to coerce me into a crime.
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. Specifically, Cash 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 EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXXXXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XXXX 3 . XXXX XXXX inquiry date : XXXX 4.  XXXX inquiry date:XXXX
Product: Vehicle loan or lease

I had Got a car from the dealer ship long story short there was a lawsuit and the company was to issue me the title and forgive the loan instead after they lost the lawsuit they came and took my car told me to bad thag they are done with the lawsuit and that a payment was issued to me and that if i cashed The check that's was my restitution and i did Not revive no check they then issued me another check that k do have now and refuse to cash as that is not what i want I want My car back and the value of my car was XXXX they have it as i defaulted In the loan and it's in my credit but they need to give me the car back and fix this as they lost the lawsuit and i wuolifted qualified for loan forgiveness and got the notice from there attorney and stayed i woukd be sent the title and rest of the paperwork stating the loan forgiveness and then never got the letter or the title then later they take the car from me and i had All my things inside the car they would not tell me where the car was and it make this right now they hang up everytime i teybto Call and act as if they can't hear me. Iv called using different phone and same thing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Date ] Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unlawful Reinsertion Immediate Removal of XXXX XXXX Account Ending in XXXX To the Experian Dispute Department, I am disputing the unlawful reinsertion of the XXXX XXXX account ending in XXXX on my credit report. This account was previously removed but has now been reinserted without proper notice, in direct violation of FCRA 1681 ( a ) ( 5 ) ( B ).

1. Experian Violated FCRA 1681 ( a ) ( 5 ) ( B ) by Reinserting This Account Without Legally Required Notice Under FCRA 1681 ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts a previously deleted account, it must : Notify the consumer within 5 business days of the reinsertion.

Provide in writing the name, address, and contact number of the furnisher who provided the reinsertion request. 
Ensure that the furnisher has certified the accuracy and completeness of the information. 

I never received the required notice, making this reinsertion illegal under federal law. 

2. Experian Must Immediately Remove This Unlawfully Reinserted Account Since Experian failed to follow the legal reinsertion process, this account must be removed immediately.

If Experian can not provide documented proof that I was notified within 5 business days, this account must be deleted permanently from my credit file.

If Experian claims to have provided notice, I demand verifiable mailing records, tracking details, and timestamped documentation proving compliance with FCRA 1681 ( a ) ( 5 ) ( B ).

3. Legal Consequences of Non-Compliance Experian is already facing lawsuits for engaging in sham investigations and deceptive reporting practices. If this unlawful reinsertion is not immediately corrected, I will : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Escalate this issue to the state Attorney General for willful FCRA violations.

3. Pursue legal action for statutory, punitive, and actual damages, as permitted under federal law.

4. Immediate Action Required I demand that Experian : 1. Immediately remove the XXXX XXXX account ending in XXXX from my credit report. 
2. Provide written confirmation of its deletion within 15 days.

3. Supply documented proof of compliance with FCRA 1681 ( a ) ( 5 ) ( B ) if Experian claims that proper reinsertion procedures were followed. 

If Experian fails to comply, I will pursue all available legal remedies to hold you accountable for these violations. 

I expect a written response within 15 days from the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Hi. I used XXXX through my XXXX XXXX app to make a transaction with a seller for a product. The seller scammed me on the product and now I am out of money. I want XXXX to pull the funds from his account and reimburse me my money. He sold an XXXX that was filled with cockroaches and unworkable.
Product: Bank account or service

This is a second follow up to my original complaint. My original complain stated that ; On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 
To date the bank has reimbursement approximately {$9500.00}. 
The bank refuses to reimburse the balance of the money taken, which is {$2500.00}. 

My 1st follow up stated that on XXXX XXXX, 2016, the Chase Bank did credit my savings account with a total of {$1500.00}. There continues to be an outstanding balance of {$1000.00} owed to me. I have tried to call XXXX XXXX XXXX, Executive Office, Chase Bank at XXXX extension XXXX and he fails to call me back. I have no other resource that tho notify you in hope that you will once again interceded on my behalf.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding two inaccuracies on my credit report, which I have repeatedly disputed with the credit bureaus. Despite my efforts, the bureaus either claim the items have been " verified as accurate '' or fail to properly address my disputes. The details of the accounts in question are as follows : XXXX ( Account Number : XXXX ) - Reason : Identity Theft This account is not mine. I have submitted a fraud affidavit, police report, and other supporting documentation under the protections of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which allows for the blocking of fraudulent information due to identity theft. However, the bureaus have continued to report this item and provided no meaningful explanation for how it was verified. When I contact XXXX directly, they refuse to give any information, citing my identity theft report. As per XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit bureaus must conduct a reasonable investigation, which they have failed to do. 

XXXXXXXX XXXX  ( Account Number : XXXX ) - Reason : Failure to Send Billing Statement, Late Payments Reported in Error XXXXXXXX XXXX  has reported late payments for periods during which I did not receive a billing statement, a clear violation of the Fair Credit Billing Act ( FCBA ) 1666 ( 15 U.S.C. 1666 ). Under the FCBA, a creditor is obligated to send a billing statement at least 21 days before the payment due date, and failure to do so voids any late payment penalty. Additionally, the inaccurate reporting of these late payments also violates the FCRA 1681s-2 ( a ), which mandates that furnishers of information report accurate and complete information. Based on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to have these inaccuracies corrected, and my account updated to reflect positive payments.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile telephone account opened at XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX Bank on or around XX/XX/XXXX under account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX on or around XX/XX/XXXX account number XXXX and an Inquiry from XXXX XXXX XXXX on or around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accura
Product: Credit reporting, credit repair services, or other personal consumer reports

My father-in-law paid cash for heating aids from XXXX XXXX XXXX, in XXXX, TX.but somehow a credit was opened at Comenity Capital bank. We just happened to check my father-in-laws credit for him as he is XXXX years old and completely XXXX  we have Power of Attorney. We contacted Comenity Capital Bank and discussed the situation that they had mistakenly opened an acct. under my father-in-laws name and they turned him in to the credit reporting agencies in 2004. We called Comenity Capital Bank I dont know how many times we tried to clear up his credit due to an incorrect report. They had 90 days to correct a charge of {$4100.00} by end of XXXXAnd has significantly lowered his credit score. We just called Comenity Capital Bank to make sure they repaired his credit and when we called in XXXX they said it was not their issue to fix..!!! It is though. We cant get them to fix his credit that THEY ruined! Please help!!
Product: Debt collection

I got a notification from my XXXX XXXX  to alert me of a negative impact on my credit score on XX/XX/2021. So I reviewed my credit report and saw a derogatory account of {$10000.00} by Hunter Warfield company and another account by XXXX  XXXX XXXX with a balance of {$1600.00} with my SSN. These accounts have never appeared on my credit report before & they are not mine. I do not owe anything to Hunter Warfield and I also do not have a credit card with XXXX  XXXX XXXX. I also found out that there is an unfamiliar address XXXX XXXX XXXX XXXX XXXX, CA XXXX to my SSN, which is not my address & I dont know anyone who lives in XXXX XXXX.
Product: Consumer Loan

I Have always paid my Hyundai Motor Finance payment as agreed. Due to a combination of bank errors, Hyundai Motor Finance not updating my account info as requested and failing to have a system in place to collect payments after items were incorrectly returned NSF due to bank error, Hyundai Motor Finance is now falsely reporting my account as past due from XX/XX/2013-XX/XX/2013. On XXXX XXXX, 2013 I paid my account with good and collected funds in my bank account but my bank mistakenly returned the payment NSF ( as evidenced by the attachment ). I was n't made aware of that at any time by XXXX until XXXX of 2013, at which time I immediately paid the amount owed in full. There was also a bank error in the summer of 2013 when a wire that was sent to my account was returned due to an extra number being added to the account number. It happened on the exact day I made a payment to XXXX ( as evidenced by the attachment ). Again, I was n't made aware of this at any time by XXXX until XXXX of 2013 as XXXX had failed to update my contact info. I have written to XXXX on more than XXXX occasion. ( sent certified mail yet they claim they did n't receive ) asking them to correct my info on my credit report. XXXX has refused to correct my account info and has given me incorrect and false information regarding my account. Other than this approximate 6 month stretch when the bank returned a check I had sufficient funds on, I have had no late payments of any kind in the past 6 years. XXXX is also profiting from a flaw in their system by charging me late fees on payments that could n't be accepted by them after my boyfriend discovered the banking error XX/XX/2013 while I was in XXXX and he tried to make payments over the phone. Their system would n't allow the customer service representative to over ride the system because of the past NSF 's. Although XXXX 's customer service representative had indicated to him that he DID over ride the system and that the payment had been made when in fact it did n't. This exasperated the problem and has caused my credit report to show additional late payments to XXXX. XXXX profited financially by charging me late fees they did n't deserve.
Product: Mortgage

My current home loan was originally created with my husband as the borrower and myself, his spouse, as the co borrower. My husband became unemployed and we were unable to make our mortgage payments. I was a stay at home mother of our XXXX  children. We qualified for a modification that was completed in XX/XX/XXXX. At this time I went back to XXXX school, completed my XXXX XXXX   and have been employed for a year. My husband stopped making payment on the home again. We were divorced in XX/XX/XXXX. I received a signed Quit Claim Deed through the divorce on our property. The home fell into foreclosure once again and I was instructed by the court system to apply for a new home modification using all of my current information. I was also awarded custody of my XXXX minor children. We are currently living in the home. I should mention there is also a {$23000.00} insurance claim that my home loan mortgage company Mr Cooper is holding for repairs that have been held by them illegally. They have received all the document but keep telling me they need more.. They have done two home inspections that passed and still no funds have been released to date. I contacted XXXX XXXX  with The Fair Housing commission locally in my area of XXXX Ohio. He and I have spent countless hours on third party lines recorded with Mr Cooper to try to find options and answers. He suggested that I contact your service. We have tried to get them to release the funds to complete the work on the basement so I may move forward and sell the property. We also looked further into applying the funds to the current reinstatement amount. I feel I need assistance and support because I have been victimized by Mr Cooper holding the funds and not working with me to keep my home or to sell it. They have held the funds for two years. I currently have equity in the home.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ONEMAIN - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

sold 15 lightcoin on XX/XX/XXXX for a total XXXX. Funds are missing and not deposited as promised on XX/XX/XXXX I have email coinbase numinous times for an update I have not heard anything on my case.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX and asked why was my account reported late 30 days when they gave me an extension and they stated it was in error and for me to dispute it with the credit companies and it will be removed. I did just that and disputed it with Experian, XXXX, XXXX several times and its still on there. I have proof they gave me an extension.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX, MI I was financed through Credit Acceptance in XXXX. The amount for the vehicle was {$4900.00} including on the paperwork. A couple days after having the vehicle it started running hot. I contacted the dealer ship. I took it in they claim it was repaired the next couple days it done the same thing. So I once again called the dealership took in again they say they could not find a problem. The third and final time it over heated. I took it to the dealership and left it there until the found the problem and repaired my vehicle. The vehicle ran good for around 1 week and it overheated again and started leaking fluid. I then called Credit Acceptance asked if they could repair my vehicle or can I skip payments to repair my vehicle, both answers were no. I had parked the vehicle, because it would not run and I called Credit Acceptance again told them to come and pick the vehicle up. When I received the final bill I owed {$13000.00}, but they auctioned the vehicle for {$500.00}