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

Dear CFPB Representative, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. Upon reviewing my credit report from [ name of credit reporting agency, e.g., XXXX, XXXX, XXXX ] on [ date ], I noticed inquiries that I did not authorize. These inquiries negatively impact my credit score and overall creditworthiness.

I did not provide consent for these entities to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries should only occur with my express authorization or for permissible purposes as outlined in the Act.

I request that the CFPB investigate these unauthorized inquiries and take appropriate action, including directing the credit reporting agencies to remove these inquiries from my credit file and addressing any violations by the entities that made the inquiries. 



Thank you for your prompt attention to this matter. Please inform me of any progress and actions taken regarding my complaint.
Product: Mortgage

I tried to make my XX/XX/XXXX Payment and was told my loan was transfer to whom, I have no idea. I received a letter dated XX/XX/XXXX confirming what I already know that my next due payment is for the month of XXXX. 
I attempted to make my payment tonight and was told my loan has been transfer. 
I have gotten no communication from Specialized Loan Servicing about the transfer.
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 Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit card or prepaid card

I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. 
I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.
Product: Credit reporting or other personal consumer reports

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received and did a standard transfer of money that someone is paying me for photography in the amount of {$500.00}. It said it would take XXXX business days and est day of arrival was XX/XX/2022. On XXXXXXXX XXXX XXXX I noticed that it was still in pending status and no money had dropped. I called and spoke to the bank and was told nothing is coming through. I then called customer service of venmo and was told that it would drop later that night or in the morning. Because his vague response with no explanation I had my XXXX XXXXXXXX call in which he got a gentleman who told him that the funds were in fact held by a federal agency and that he would put in a request to the engineers to have the money release because it was past the day legally they could hold the money. He would not give anymore information. Then I called back later in the evening and spoke with another gentleman who told me that it was in fact a review by venmo, they had a glitch on XX/XX/2022 and that he didn't know when it would be released. Unsatisfied I asked to speak to a manager and that manager in fact told me that it was totally Venmo 's fault they had a issue and that the engineers were trying to find a fix. He said that the money would be released to my bank by XXXX or XXXX the following morning. Now my bank the way all transactions work with venmo is the moment they are released it comes into my bank as a pending status and doesn't release until the XXXX. So at XXXX today I called the bank there is no money in route they can see. I called back Venmo in which I spoke to a gentleman, XXXX and a supervisor XXXX XXXX They said that oh well yes it was a venmo issue and that the money was not released when they said. That as of today sometime the money will be released and I should get it by XXXX XXXX. That is {$500.00} that they are holding and the way the call ended was him saying " there is nothing we can do for you '' The below transaction was never done as it states by venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not discharged LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. 

XXXX I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I did not authorize nor have given authorization to pull my credit report on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I visited a car dealership to purchase a vehicle. The owner of the dealership requested my personal information, which I provided. However, I asked repeatedly if the inquiry process would be a soft inquiry, and he assured me that it would be. 

After submitting my information, I received a notification indicating that the inquiry was a hard inquiry. I immediately filed a complaint with them, but they responded saying it was not a hard inquiry and implied that I didnt understand the process, stating that they make these types of inquiries every day. 

I insisted on confirmation that it was truly a soft pull, but they continued to insist it was not a hard inquiry. The discussion took place inside the dealership, and I would like to point out that there are several cameras that recorded the incident. I believe it is very unfair that they conducted this inquiry without my consent, which has negatively impacted my credit score without providing me with accurate information or giving me the opportunity to make an informed decision. 

I request that this situation be reviewed and that the necessary steps be taken to correct any errors related to my credit score due to this unauthorized inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

This Company reported I that I have Paid in full {$4200.00} But I have been Charged me {$6200.00} This makes my heart broken since I am struggle to.survive they were cheating on me. I felt that they robbed me. They were Keep telling me to pay more until I report this on here. 
Please see the Attached statements I really need Justice for this.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. checking my credit report ive noticed all data listed is reporting illegal information an fraudulent information that is causing alot of damage to my credit report. action needs to be taken an please review an remove the listed items on my credit report asap.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to XXXX XXXX  on XX/XX/XXXX  asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/XXXX  stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, XXXX failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/XXXX  ( mailed on XX/XX/XXXX  ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between XXXX  and I since my initial dispute as well as the mail receipt of the final letter that was sent.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XX/XX/year> {$430.00} XXXX XXXX sold a debt that I didnt even have to a third party ( XXXX  ) & theyre looking for me to pay it.
Product: Mortgage

I have NEVER missed or been late for a mortgage payment, yet Flagstar Bank regularly sends me delinquency notices! I have my house payment on automatic payment through my bank. Flagstar changes the payment amount, without notification of any sort, it is merely on the statement for that month. When I noticed the payment amount had been changed, I submitted the difference immediately. I have proof of that as well. This last one says I owe {$2700.00}. It reflects that the XXXX payment was not made, which it was. This is not true and I have proof the payment was sent and collected by Flagstar Bank. Unfounded late fee 's are applied as well.

Flagstar also entertains anyone that wishes to know how much the balance of my mortgage is, then turns around and charges me {$35.00} each time! XXXX through XXXX of 2021 a sum total of {$170.00} was added to my account because someone was calling in and collecting my balance information. I called Flagstar three times about this and they said there was nothing that could be done to stop the entity unless they decided to stop themself. There is no way to block these inquiries. The only way to learn of them is to see them on my statement with the subsequent {$35.00} fee, then call Flagstar and ask who it was, then call that entity and hope they will stop. If they don't, Flagstar will continue providing the information and charging me the {$35.00}. This is completely unfair business practices. Fee 's upon fee 's are applied to my account that has NEVER been late or missed!
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING A NEGATIVE ACCOUNT OF XXXX XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT AND BALANCE DO NOT TBLEONG TO ME REMOVAL LATTER FTC FRAUD IDENIRY THEFT DOCUMETNS ATTACHED FOR REMOVAL
Product: Credit card

U.S. Bank did it again. They did a payment reversal on my payment that I made to them. I know they are going to charge me a late fee they are I swear trying to XXXX me over and ruin my credit.
Product: Credit card

I am writing to formally request the immediate removal of unauthorized credit inquiries from my TransUnion credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

It has come to my attention that my personal information was exposed due to a data breach, which resulted in unauthorized credit inquiries on my TransUnion credit report. The inquiries in question are as follows : XXXX. XXXXXX/XX/XXXXXX/XX/year> XXXXXX/XX/XXXXXXXX - XX/XX/year> XXXX. XXXXXX/XX/XXXX XX/XX/year> These inquiries were not authorized by me and constitute a violation of my privacy under 15 U.S.C. 1681. The exposure of my personal information in this breach has directly led to these unauthorized actions, and I believe it is my right under the law to have these inquiries removed immediately from my credit report. 
Please confirm the removal of these inquiries and provide written verification of the corrections made. I expect this matter to be resolved promptly. 
Thank you for your attention to this urgent issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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: Debt collection

Vance & Huffman LLC is reporting a debt from a payday loan company XXXX XXXX that does not belong to me. The collection account was reported XXXX 2021 to XXXX, XXXX, and XXXX. I have called and disputed the incorrect reporting multiple times since then but Vance & Huffman continues to re-report it. I have never obtained a pay day loan and this company refuses to send me any origination papers to substantiate the debt. Their refusal to remove this incorrect and/or fraudulent account reporting to XXXX, XXXX, and XXXX appears XXXX be fraud and illegal business practices rather than any mistake.
Product: Credit reporting or other personal consumer reports

Hard inquiries were made to the following Credit bureau agencies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap ONe NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit card or prepaid card

I sent money to a friend on CashApp on accident and then requested a refund from the friend. The friend wanted to refund it back to me but CashApp said he had insufficient funds although that money I had just sent is just being put on hold. CashApp has not been able to give a legitimate answer to why he can not get those funds back to me.
Product: Credit card

Per as the FCRA as a federally protected consumer I am now Im opting out of any an authorization I theconsumer may have given you written, non-written verbal nonverbal per 15 USC 6802, Family and education, privacy act, 1974 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

As noted on my Credit Report. XXXX XXXX XXXX # XXXX is listed as an account in Collections for me. 
I contacted XXXX XXXX XXXX  and was directed to XXXX XXXX XXXX ( A collection agency ). XXXX XXXX informed after reviewing my file, that my old bill with XXXX had been paid off in 2020 to the XXXX XXXX. Therefore, my account was closed with their collection agency and they had never reported my debt being in collections with them. This Collective on my credit reports and invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices. 
Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX  complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has an account listed on my credit report opened XX/XX/XXXX. My girlfriend at the time added me as an 'authorized user ' and the account has been charged off at {$490.00}. I never used this account or authorized being added to it. I contacted XXXX XXXX XXXX. They referred me to a collection agency which stated the account was closed years ago, and last reported to credit bureaus XX/XX/XXXX. I was also told the credit bureaus are the only ones who can remove this closed account from my credit report. XXXX notated the account and said they would be willing to speak with someone on my behalf to have this removed from my credit report. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my personal credit file from the individual Credit Reporting Agency 's and noticed that there were several ( 25-35 ) unauthorized credit inquiries on my report. I contacted Equifax directly and spoke with 3 different representatives and  explained that my credit file was accessed 3 times in one day by a company and 5 times within 8 months by another. I advised them that my credit file was being abused and they kept stating that it was a factual representation of my file. I went over each inquiry with the representatives one by one and let them know which inquiries i authorized and for what occasion, and they refused to remove or investigate the inquiries. I was in fact told by the representative ( supervisor on duty XXXX ) that they do not investigate inquiries and in fact the ability to dispute them online or even by sending in a motion to investigate the inquiries via mail, are pointless and will not be investigated because " it is a factual representation of the consumers credit file ''. This is hard to believe when I, as the consumer, openly stated which inquiries i authorized and which ones i did not! As stated by FCRA rules all disputes must be investigated. Equifax is failing to comply with FCRA laws and regulations. The inquiries in dispute are listed with their corresponding dates : XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 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 XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :XX/XX/XXXX ( not a typo twice in one day ) 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 ( yes they accessed it 3 times in one day ... you now see my point ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As you can see from the inquiries listed  above, there has been misuse of my credit file and the representatives of Equifax refuse to handle the situation promptly, instead they state that inquiries will not be investigated, which directly goes against FCRA laws and regulations. FCRA section 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Debt collection

I signed up with XXXX XXXX XXXX in 2016. I agreed to pay a certain amount and when they started debiting a entirely different amount. I sent emails to the representative that helped me sign up with no reply. I have made multiple calls to XXXX to try to resolve this with no success. This is well documented with XXXX. I was mislead and never given a reason why the premyamount changed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1100.00} XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX