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

Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681b. 
Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/2024 ) [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/2024 ) [ XXXX  XXXX Via Dealer ] : Inquiry date ( XX/XX/2024 ) [ XXXX  XXXX XXXX XXXX  ] : Inquiry date ( XX/XX/2024 ) [ XXXX XXXX XXXX ] : Inquiry date ( XX/XX/2024 ) According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumer 's authorization or for permissible purposes, such as credit. employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA. I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries However, if these inquiries are not removed within 30 days, l am prepared to take further action, including pursuing legal remedies.I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. Thank you for your attention to this important matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Navy Federal Credit Union, allowed me overcharged for a withdrawal. Noted the money was a credit, then charged my account over XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent reporting of my First Digital account across all three credit bureausExperian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, and First Digital is currently in violation of this right. 

The reporting of this account is inconsistent across the bureaus, with differing balances, payment histories, and other details. Such discrepancies indicate a failure in proper reporting, and as you may be aware, both XXXX and XXXX have faced legal action for similar violations. As a consumer, I am fully within my rights to seek legal recourse for each violation of the FCRA that First Digital has committed. 

Furthermore, this account was charged off, yet I was never issued a 1099-C for cancellation of debt, which raises further concerns about the accuracy and legality of this reporting. Given these violations and inaccuracies, I formally request the removal of this account from all three credit bureaus.

I have attached copies of my credit reports highlighting the discrepancies, as well as any supporting documentation relevant to this matter. I expect a thorough investigation and a written response confirming the deletion of this inaccurate account. 

Failure to correct these errors may result in further action, including but not limited to legal proceedings. Please treat this matter with the urgency it requires.
Product: Debt collection

I am contacting you on the subject of a letter I received from UDCAmericas. The reference is XXXX. This letter states that it is a final attempt to contact me regarding the adjustment of my credit account. The leader is designed in such a way that it leads me to believe that a failure to call them will result in financial issues. 
I have no issues on my credit card accounts, no debt due. This is just a tactic used to extort money from some people. 
I wish that that they remove me from their database and stop using such aggressive and forbidden marketing tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inquiries on my experian credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXXcredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan, credit accounts and a number of other items that are not mine! I will list them here, ; XXXX  XXXX ( XXXX ) accounts. XXXX  ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) accounts. XXXX ( XXXX ) account. XXXXXXXX XXXX XXXX ( XXXX ) accounts. XXXX account. XXXXXXXX XXXX XXXXXXXX acct. XXXXXXXX XXXX aact # XXXXXXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  act # XXXX. XXXX XXXX ( XXXX ) accounts. XXXX act # XXXX. XXXX XXXX act # XXXX. XXXX ( XXXX ) accounts. DEPTEDXXXX act # 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. these accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me.allthese accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.jh
Product: Debt collection

Dont know this merchant never had account with XXXX XXXX been with XXXX over 13 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX  and the results of the investigation came back " verified ''. Not only am I late on any of mu bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Product: Credit card or prepaid card

Capital One is reporting my account as owing {$700.00}. I have paid this amount and have attached the electronic receipts from Capital One confirming my payments. It has been two billing cycles and they have not updated my account as paid. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act violation.
Product: Debt collection

I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help
Product: Mortgage

Unfortunately I have a Auto Mortgage with XXXX XXXX. Because of recently evolving COVID-19, I called on XXXX XX/XX/2020 and talked with a representative and finally settled down an extension for 3 months. I am unable to pay from XXXX, 2020. Because I am jobless for 3 weeks due to " Stay at Home ''.  They agreed in this point. But they took their payment as it was auto payment on XXXX XX/XX/2020 ( {$460.00} ).

From then I called and talked with representative several times. They didn't give me any proper answer even one of representative today transferred my call to someone and I have been waiting more than 1 hour and call dropped or they disconnected!!! I have my call records.

I am right now jobless from last week because of COVID-19 reason and staying at Home and employer is not paying me. I am in trouble with very low balance in my bank account!!! I don't know how I will manage myself in this crisis situation.
Product: Money transfer, virtual currency, or money service

Ticket ID : XXXX See below. I have reached out to the support staff several times. In response I usually receive elusive responses. I have screen shots showing that the maximum amount of XXXX I can sell is XXXX XXXX XXXX, it varies every day. I have attempted limit sales and the market rate mysteriously drops below my limit as soon as i post it. It is not a significant amount of money, but it's my money. I should be able to sell it at a market/limit price as i please. See email exchange below. 




Hi XXXX, Thank you for following up! 

After reviewing your account, I can confirm that there is no restriction on your account, you should be able to sell all your available XXXX. 

Please try to sell them one more time. If you encounter any issues when trying to sell your XXXX, please let me know so I can further investigate with our internal team. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Hello, I would like to liquidate the XXXX funds in my account but Gemini does not allow me to sell them. Currently there is a balance of XXXX XXXX. I would like to liquidate all of this and then transfer the money out of my account. Why is the XXXX sell limit only XXXX. I will lose a lot on gas fees. Can Gemini just buy back/credit/liquidate the QRDO then we will freeze my account. 




On XX/XX/2023 at XXXX? XXXX, Gemini wrote : XXXX XXXX, Thank you for reaching out! 

We apologize for the inconveniences that have been presenting up until the present time. 

I do see that you have funds in the earn program and Gemini is working hard to expedite the return of funds to you through XXXX bankruptcy. As we are unable to provide you with a specified time of when this process will be completed, as an alternative to closing your account, we can go ahead and freeze it until your funds have been returned. 

Please let me know if you want us to proceed with this option. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Good day, I have several small balances of alt coins I tried to sell. I want to liquidate everything and close my account. Currently Gemini has approximately XXXX of my money XXXX and is not allowing to withdraw it. I want my earn balance and XXXX if full. Currently Gemini does not want to return either in full. How long will I wait and when will I get my earn and XXXX balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
TRANSUNION XXXX  XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD  PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 TRANSUNION ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Today is XX/XX/2019. I received a loan recast which I did request from 5/3 Bank on XX/XX/2019. Before I sign these documents, I have called 5/3 Bank to ask them very simple questions. 

First I called customer service who passed me off to XXXX XXXX XXXX XXXX. I had a very simple question. How much of the NEW RECAST payment amount would be going towards my principal payment. Before I sign this, I want to know HOW MUCH of this would be going towards principal. 

Well, I have been on hold for 38 minutes. The woman absolutely knew nothing. Back to customer service I am transferred. 

I ask HOW MUCH of my current payment is going towards principal. She does not know. I just want to know IN WRITING how much of my RECAST payment would be going towards knocking down principal balance.
Product: Credit card or prepaid card

I made my payment on childrens place  in total amount, and they said is past for a few minutes and they charge me late fee payments, I didnt know because I Paid in full I never expect one more bill I paid to them 3 late fee payment!!!!! They stole my money under fee late first purchase in total was XXXX dollars and I final paid XXXX dollars in late fee payments! A total
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.
Product: Debt collection

I received a voice message from Penn Credit XXXX about collecting a debt. I have never had an account with Penn Credit I called back and inquired why they called. He asked me to confirm my name and I said yes and then he asked for my address. I told him " XXXX no '', not until he tells me the reason for the call. I asked him repeatedly " Why are you calling me? '' He then proceeded to say that I was talking over him and it is an important matter for XXXX XXXX XXXX. I said if it important, then send it to me in the mail. He said oh this is going in circles. I said it can but you need to answer my questions as well. He then hung on me. Then called me back 2 more times, but my phone app blocked it due to suspicious activity. I looked up the number and saw multiple complaints. I also looked at their website to confirm the phone number.
Product: Credit reporting or other personal consumer reports

I have found multiple billing errors on my credit report, showing late payments that are not consistent with my typical payment pattern. Kindly fix these issues and adjust my account accordingly. Thank you.
Product: Credit card or prepaid card

I received an alert email from XXXX on XX/XX/2023 saying they blocked an attempt to access my XXXX credit file because my file is locked ; and on XX/XX/2023, I received another alert email from XXXX saying I have 1 new credit alert to review. So that got my attention, I logged into my XXXX app to check and found out that on XX/XX/2023, someone opened a Bank of America credit card using my name, my SSN, but a WRONG address! I contacted Bank of America immediately to report this fraudulent activity and the representative who answered my call said she submitted a fraud application report for me. The address on file of this Bank of America is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, their phone number is XXXX, that is the number shown in XXXX. Then, I filed an online dispute in my XXXX app regarding this fraudulent application. 

On XX/XX/2023, XXXX notified me via email that my dispute has been updated, and I logged in to see the dispute result, heres the result : The company ( Bank of America ) that reported the information has certified to XXXX that the information is accurate. 
This result is simply ridiculously false! Bank of America is lying, I did NOT apply for any Bank of America credit card or any credit card in XX/XX/2023. It is very frustrating that Bank of America allowed such fraudulent activity to happen and lied to the credit bureau! This is very abusive!
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report a bankruptcy on my consumer report that I have not given my expressed or written consent to report. I did not ask LexisNexis where the information was located but rather who gave them permission and who did they talk to specifically that stated they have authority to report such information and how does it relates to me? XXXX is not 100 % accurate and the courts do not release this information it is all second hand information sold for profits. I am not arguing the validity but the fact LexisNexis does not have any right. If LexisNexis has evidence that I consented forwarded it to me immediately or cease reporting.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Experian and XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE CHARGE OFF ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter to this company starting in XXXX XXXX when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}