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

I JUST CHECKED MY CREDIT AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DATA BREACH XXXXXXXX XXXXS XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A XXXX charge account was opened, someone changed my email address and address on my XXXX credit card and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in 2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back for XXXX
Product: Checking or savings account

I have been wrongfully denied a refund for payments that were misdirected to an unaffiliated business and resulted in the illegal repossession of my vehicle. 

Incident Details : On XX/XX/year>, I made a payment of {$15000.00} as a deposit for a vehicle purchase from XXXX XXXX XXXX ( intended recipient ). 
On XX/XX/year>, I made a follow-up payment of {$750.00} for my first biweekly installment. 
Instead of these payments going to XXXX XXXX XXXX, they were processed to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX a business that I have never engaged with or authorized any payment to. 
Due to this error, the dealership ( XXXX XXXX XXXX ) falsely claimed non-payment, leading to the wrongful repossession of my vehicle despite my payments being made in full. 

I promptly disputed the unauthorized transactions with my bank, expecting a thorough review. However, my dispute was wrongfully denied, and when I requested supporting evidence proving that I authorized these transactions to XXXX XXXX XXXX, the only documents provided were : A bank statement ( which merely reflects the transaction but does not verify authorization ). 
A customer questionnaire ( which does not serve as proof that I conducted business with this entity ). 

At no point did I authorize payments to XXXXXXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX nor have I ever received goods, services, or contractual agreements with them. This constitutes unauthorized fraud, and the banks denial without legitimate supporting evidence is a violation of my rights as a consumer.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I have an account with robinhood for almost a year and have been transacting with it without issues. Last month XXXX XXXX 2025 I bought crypto using my linked debit card on the account and everything was fine. When I tried to move my coin to an external wallet I was immediately restricted from crypto withdrawal and they kept telling me they'll lift the hold the next day, and when the next day comes they postpone it again. I emailed them again today to air my complaint and distress only for them to email me after a few hours that they'll close my account without no reason. 

This is the same company that keeps closing customers account for leaving a bad review about them on XXXX store and XXXX play store. 

My investment has since lost value because they kept it XXXX up until today.this is really traumatizing and I have been having XXXX  thoughts because of this situation. I need access back to my money, this is totally unacceptable.
Product: Credit card or prepaid card

On XX/XX/XXXX In received a notice that my American Express credit car interest rate is increasing to 23.99 %. I have been an American Express credit card customer since XXXX and I have never made a late payment. My XXXX  score as of today is XXXX. I am an elderly veteran of XXXX  years of age. I called American Express today and for 5 hours was never given anyone to speak to regarding this interest rater increase. I believe that this is an abuse of the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
Product: Checking or savings account

Trying to invest in my future through different apps ... ( XXXX, XXXX for example ). PNC says no! For months I was connected through the XXXX  app and randomly PNC blocked it from INVESTING IN MY FUTURE! Recently downloaded the XXXX app ... no change. Thanks for keeping me safe from anyone or anything trying to fraudulently gain access to my account, but I really dont want to have to justify all my decisions each and every time I link my account. Please work to build some type of account linking protocols so I can avoid this. Thanks! P.S. Ill be leaving soon ( marriage reasons, but have enjoyed being a PNC Bank customer ). Thanks
Product: Credit reporting or other personal consumer reports

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. 
It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX  Inquired on XX/XX/2024 XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/2024 XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024
Product: Credit reporting

I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, severe medical issues and 90 % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is 50 % less square footage This is a XXXX, XXXX XXXX ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.
Product: Vehicle loan or lease

My loan organized in 2019 with us auto sales. My loan was transferred to Westlake financial XXXX. I have been charges fees per my original contract in for services I have not used. I do have all documents from my original contract. I can email original documents.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

XXXX continues to make fradulent charges to my credit card even after I contacted them.
Product: Credit card

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Product: Checking or savings account

I fell victim to purchasing a product on XXXX, which turned out to be a scam. I believe the hacker took my information and debit card information and, in turn, opened an online betting website and did unauthorized charges on my account. The XXXX purchase was {$39.00}, and the unauthorized charges were {$420.00} and {$440.00} from XXXX XXXX XXXX. 

I filed a dispute and was told that I made the purchase which I did not. I appealed the case and provided screenshot of the fake scamming page but yet again was told this was not sufficient proof. I have no way of providing any proof that I did not authorize this transaction when I don't even know how it was done. I have no way to show proof I did not do it. Sofi refuses to acknowledge or look into this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies TransUnion, XXXX, and XXXX  has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Product: Credit reporting or other personal consumer reports

XXXX account # XXXX is being reported different and incorrected on al the credit bureau XXXX XXXX transuion the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXX and XXXX  its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXX and XXXX  is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE XXXX XXXX XXXX XXXXXXXX. VIOLATION OF THE XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my XXXX ( Equifax and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Product: Money transfer, virtual currency, or money service

My Diners Club card had a positive balance of {$95.00}. During XXXX, XXXX, they removed the {$95.00} from the balance, claiming that a refund of the overbalance will be sent to my mailing address. 

This never happaned. I have been calling customer service about it over and over again, but they had been promising without ever doing anything about it. 

I ama Diners Club card holder since XXXX and this kind of dispute never ever occured, this is why I had waited so long, hoping that the issue can be resolved. 
My current Diners Club card is XXXX, XXXX XXXX XXXX I have been in godd standing since XXXX.
Product: Payday loan, title loan, or personal loan

Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from XXXX XXXX.
Product: Credit card or prepaid card

On XXXX, I disputed a XXXX charge for {$340.00}. On XXXX, I received a letter from Discover saying they found in my favor. Then on XXXX they changed their mind after I submitted proof of return with a receipt. Discover claims I never contacted XXXX about any of this. I have emails dated XX/XX/2021 about receiving the wrong merchandise, I have a time date XXXX receipt for XXXX at XXXX, I have XXXX phone records. My question is do I need to sue Discover or XXXX or both to get my money back? I want to subpoena the store security video on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax a letter requesting the removal of incorrect information and updating my personal information with their company. When I pulled my credit report in XX/XX/2020 I noticed they had failed to respond with the removal as required by law. This has undoubtedly hurt my credit and left me open to identity theft and fraud as the result of addresses on my report showing incorrectly. My score reflected on other credit services is much higher than Equifax because they have failed to clean up the errors they are responsible to maintain. They have shown they are not a trustworthy company and don't have the integrity to keep the responsibility of safeguarding peoples credit.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence dated XXXX in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my Credit Card account XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.