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

XX/XX/XXXX I sent XXXX, XXXX and Trans Union a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, Trans Union and XXXX a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to XXXX managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX CH Automotive XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX BXXXX  XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX I Travel/Entertainment XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has several accounts from XXXXDept. of Education that are inaccurate on my credit report. Two accounts from XX/XX/XXXX and XX/XX/XXXX are well over 7 years old and the last payments made on these accounts were on XX/XX/XXXX. Activity on these accounts were more than 7 years old. 
Two additional accounts from XXXXDept. of Education were opened on XX/XX/XXXX. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have 2 accounts from US Dept. of Education that were originally transferred from XXXXDept. of Education. They changed the open date from XX/XX/XXXX to XX/XX/XXXX. The new open date is wrong. And they show timely payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are wrong. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have the wrong last name on my credit reports. I want them deleted. 
XXXX has several wrong phone numbers on my credit report. I want all of those numbers deleted. I don't want a telephone number on my credit report. 
XXXX and Experian have an inquiry on my credit report that I did not authorize. I want them deleted.
Product: Credit reporting or other personal consumer reports

I dispute the inquiries on my credit report as I do not recognize them. Despite my request, the credit bureau has not removed them. I have attached an identity theft report to support my claim, emphasizing the urgency of their removal due to their inaccuracy and the fact that they are not associated with me. I kindly request prompt action to rectify this matter and ensure the accuracy of my credit report.
Product: Vehicle loan or lease

Hi, I have a vehicle loan through Ford Credit, account # XXXX. 

I put up my XXXX payment from the wrong bank. This bank account is not active and should have been deleted from my profile. 

Realizing the mistake when I got an NSF notice, I tried to cancel the payment and put up the correct payment details on the Ford Credit website. 

I was unable to cancel the XX/XX/XXXX payment. 

So I called several times this morning and was told repeatedly that the system will just automatically submit repeat ACH withdrawals until it pulls. 

This is problematic because now Ford 's computer system is just going to keep generating NSF fees indefinitely, and Ford is saying they can not stop it. 

I find this ridiculous and informed Ford that I am revoking authorization for that account, and that account has been deleted from my profile. Any further debit attempts from this account by Ford will constitute Fraud, as they do not have authorization to make any debits from this account. 

I was hung up on several times when I asked for a supervisor or manager so I'm escalating this to the CFPB I would note my payment is not due for another week so this should not affect anything at all
Product: Checking or savings account

I received two phonecalls on XX/XX/2023 with Chase Bank 's caller ID. Unfortunately I answered the second call, and apparently a scammer was posing as a chase rep in the fraud department. They " verified '' my information and already had specific details about my account, includ8ng the balance. They collected information to " file a claim '', but actually stole my information to take {$1400.00} from my bank account via 14 ATM withdrawls the same day. Maybe not a lot of money to some, but a lot to me. Chase denied my claim. I've been banking with Chase for 14 years because I believed they would protect my money. Now I'm reading online in news articles that this has been happening to other people for months. Chase is aware of the problem and hasn't taken any measures to protect its customers, calling it a " social issue ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not close this complaint as i am making it myself with out the help of a third party. i seen some accounts on my credit that i did not sign up for they are not my accounts.
Product: Debt collection

XXXX XX/XX/2020 Collections opened XX/XX/2020 Amount owed {$1300.00} I have already disputed this collections. I have not lived nor received medical care in XXXX Texas in over seven years. Nor did I receive any mail regarding such collections. 

Ive contacted both XXXX XXXX and Phx financial and this collection is not mine. It just isnt.
Product: Mortgage

I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.
Product: Student loan

I was contacted by " XXXX XXXX XXXX XXXX '' agency and was told that my current student load was with a 3rd party lender and if I changed to them it would be a direct payment and I would save money and be paid off sooner. This was my understanding of the events and I called to XXXX  today to get further information and was told that " XXXX XXXX XXXX XXXX '' business was the 3rd party and I could be paying them for years and none of my payments would be going towards my student load debt if I don't meet the qualifications for loan forgiveness. I am told that my money is instead to pay this 3rd party to shuffle papers and collect my money for it and none of my money is going towards my loans.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX in my business name XXXX, XXXX from XXXX XXXX  XXXX After recently checking my credit report I found that Chase Bank and the credit agencies put the business car on my personal credit report. No one gave me an option to not buy the vehicle under these circumstances. If I had known this is the practice of Chase Bank, I would have purchased through someone else. XXXX XXXX did not tell me who the vehicle was financed. When I signed the contract, it did not state the vehicle will be on my personal credit report. This is not in the contract. I was misled into purchasing this vehicle. This vehicle should not be on my personal credit report. The contract is not a valid contract. 
I'm confused, Did my business purchase the vehicle, or did I personally purchase the vehicle? 

Putting this vehicle on my personal credit report increased my debt-to-income ratio, lower my credit score, and prevented me from purchasing a home.
Product: Credit card

I have a XXXX line of credit from Bank of America. I had this card since XX/XX/XXXX, and since then the first problem was a mistake was made with them incorrectly putting my bank acct number in to pay on my acct, which made it a late payment for that month and they wanted to investigate the call on whos fault it was after that the card was closed without me knowing? Second issue right after that was I had inquired about why did my payments increased and was told that the introductory rates had expired. I asked if they could decrease the apr rate but was told they had a program for that and that they would have to close my acct, so I didnt agree I declined that offer. Next you know they did add me into their program and closed the acct, which I did not agree too. I only had the acct for a few months in. So they reopened the card, that was in XX/XX/XXXX. So the payments still went on like I was in there program with a min payment of XXXX a month and the card still closed and put into collections. From that point on I have been having variable monthly payments with multiple additional fees since XX/XX/XXXX until today? I have been calling them over the phone getting rudely mistreated by the managers and the representatives with them not trying to go over my acct information from the disputed dates dated back then. My balance is still the same from last year? I have asked them where is my payments are going since XXXX until now, because it still reflecting the beginning balance since I was in the introductory period? I found out in XX/XX/XXXX that my business account was closed without my knowledge just like how they added me in their program without my permission!! I called yesterday and the manager states she couldnt go back into my acct to view the extra fees I was charged from last year, she states she can go back far as XX/XX/XXXX? But my dispute with these charges starts back in XX/XX/XXXX up until today? I have been going back and fourth into the branch in person to get things straightened out as well as calling them over the phone since last year and this year! Still waiting for someone to figure this out for me so they can give back my credit to my account for these extra fees that I was charged as well as figuring out my fixed monthly payment as well because it fluctuates every month and I suppose to be on a fix apr rate for which I signed up for!
Product: Debt collection

XX/XX/year> around XXXX I reached out to XXXX XXXX XXXX to obtain information as to who they are and a validation of debt I spoke to a gentleman by the name of XXXX XXXX via phone whom I asked who they were and he told me the only way that he could help me was if I was paying off a debt and I asked could I receive a validation of debt and he stated no I can not help you with that. I was then transferred to a woman name XXXX in whom I asked again could I go about receiving written proof of whom they are and the debt they claim they have on file for me and she said no so they are refusing to validate anything they just want money. In addition to that they are not on my credit report the original creditor is XXXX XXXX XXXX and they refused to give me information as they stated XXXX XXXX XXXX are now over the account so two companies are trying to collect from me with no validation of the debt. XXXX XXXX XXXX has harassed me via phone and my workplace but they wont validate the debt. I am looking to settle any debt I have but if no one can validate it do I really owe so I need help as this debt could not be mine and then to stop harassing me.
Product: Credit reporting or other personal consumer reports

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX XXXX XXXX XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$2700.00}
Product: Student loan

Mohela continues to incorrectly accrue interest on my student loans while in forbearance during the litigation of the XXXX plan. They have incorrectly charged over {$2500.00} in interest on my loans and fail to recognize the difference between a normal forbearance period where interest accrues and the administrative forbearance that XXXX  borrowers are currently in, where no interest accrues. This has been affirmed by the Department of Ed multiple times. Every attempt to resolve the issue with Mohela leads to copy/pasted basic information that completely fails to address the issue. Their service people continue to provide misinformation and fail to correct the error.
Product: Credit reporting

( copied from my letter to Experian ) XXXX Attn : Customer Care XXXX, TX XXXX Dear Experian, Well that was sneaky. You know I 'm after my FICO credit score and a credit report, so you lead me down a path on your website promising a free credit report. Once you have my personal info you inform me that it costs {$1.00} to report the FICO score, which seems reasonable so I enter my credit card info and press OK ... 

... not reading the small print two paragraphs below which says that in fact I was signing up for a $ XXXX recurring charge. 

I 'm sure you can cite letter of the law that nothing is amiss, but this is clearly meant to trick people into a recurring charge. What I and I 'm sure 90 % of your customers want is a one time credit report. The transaction as presented seems like I am paying {$1.00} for a simple credit report. It would be a more uncommon thing for someone to want a continuous and relatively expensive monitoring of their account. 

A monitoring service is a separate product from seeking a credit report, and should be sold as such. You should not have to sign up for a {$260.00} per year service just to see a one time credit report. 

Experian is in a uniquely powerful position in the financial industry. You are in the business of gathering personal information and making judgements on credit worthiness. To offer a credit report service that borders on a scam is troublesome. 

I would appreciate a refund of the {$21.00} charge that was made to my credit card, which you have kept on file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX University XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX XXXXredit Union XXXX XXXX XXXXnquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX report, however, I have confirmed the existence of these accounts with XXXX and Equifax.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. as they did not comply with error resolution requirements under the Electronic Fund Transfer Act EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

Sent a debt validation request XX/XX/XXXX to which Citi responded with a letter stating they required more information in order to validate even though the original letter had all the required information for them to do so. I then sent a second letter on XX/XX/2016 which was signed for and delivered on XX/XX/2016 with a second attempt to request that they either validate the debt with my signature or remove the item from my credit report. To this day that request has gone unanswered as well as Citi failed to mark the account as disputed with the Credit Bureaus XXXX the FCRA. I request that this account be removed from my Credit Report immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened my new square account for payments taken from friends and family for services done by my small business. I just finished a series of projects for a friend and they paid me once for them all. On XX/XX/XXXX using the TAP TO PAY function my friend gave me permission to charge his credit card. The amount i was owed by them totaled {$980.00}. I entered that amount, and square added a 2.6 % + {$0.00} fee of {$27.00} for using tap to pay ( which i was never told ) and also a 7.3 % fee of {$71.00} making the total charge to my clients card {$1000.00} to which only {$1000.00} of that was deposited to my account. 
Immediately i had a {$0.00} balance still showing up but had seen this before with my husbands account. I left it a lone for a bit. Customer service said they needed to verify my account it would be released to me shortly. Then on XX/XX/XXXX i was alerted my funds would be held and my account was deactivated. No reason why or what i did to have that happen with my XXXX single payment i took. They also said theyd hold my funds until XX/XX/XXXX. Customer service wouldnt tell me what i did or why my account was inactive. They refused to let me speak to a XXXX and were rude and condescending every communication with them. After a recent issue where they charged me for a loyalty service i never got to use and never told me to unsubscribe because although they deactivated me, i would still be charged if i didnt select unsubscribe. So XX/XX/XXXX i was charged 2x {$10.00}. I then unsubscribed and called again. They said i would be refunded. I asked about my funds and they said theyd be returned to the customers card on XX/XX/XXXX. 

Few days later on XX/XX/XXXX despite unsubscribed to the service i was again charged 2 times more for {$10.00}. Upon calling yet again. I was met with rudeness and a condescending representative who told me i didnt get charged and didnt know what i was talking about. The money was removed from my bank twice. He said no it wasnt and they couldnt refund me cause they didnt receive it. 

I got XXXX refund. Not the second and have yet to get my funds released. I want my funds released to me.
Product: Checking or savings account

I had a checking or savings account a few years back. I never funded it. I think it likely got auto closed. I went to apply for an account today and I got a message of fraud block call in. I called in and they said they haven't seen anything like this before. The agent in fraud department called around trying to find answers then said she doesn't believe that she is talking to the real person and hung up.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

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 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604A Section 2 of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency can not provide a consumer 's account without written instructions from the consumer.

15 U.S. Code 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) can not include certain adverse items of information in consumer reports if they are more than seven years old : Civil suits, Civil judgments, Arrest records, Paid tax liens, and Accounts charged to profit and loss or placed for collection.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.