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

I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries and unauthorized account, they have refused to remove them from my credit report. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I noticed multiple unauthorized hard inquiries listed on my TransUnion credit report. I disputed these inquiries and account directly with TransUnion through their representatives over the phone, but I was informed that the option to dispute hard inquiries online had been removed but the option to dispute accounts weren't. Instead, I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. The unauthorized hard inquiries and account are the result of actions taken by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I have confirmed that these inquiries and account were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit inquiry or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. These unauthorized inquiries and account clearly violate these provisions, and as such, I am requesting the immediate removal of all hard inquiries and account related to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX from my TransUnion credit report. The inquiries and account were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized hard inquiries and account. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize these inquiries and account. I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove these unauthorized inquiries and account in accordance with the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Square deactivated my account and refuses to issue a refund back to my customer, even though they took my customer 's money. This happened XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report Synchrony says they own my account The account number they have is not my account number. I never opened an account with Synchrony bank and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the Synchrony bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found in my credit report. I have identified several inquiries that were made without my authorization, and I believe that they may be fraudulent. I would like these items to be removed from my credit report immediately. 

The following inquiries were made without my authorization : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX - Inquiry date XXXX XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX CARD - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX Additionally, I have identified two accounts on my credit report that I believe to be in error. The details are as follows : XXXX - Account number : XXXX This account has a payment history despite being charged off. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I do not recognize this business and I would like this account to be investigated to ensure that it belongs to me. Please delete this account from my credit report. 

I understand that you may require additional information to verify my claims. Please let me know if you need any further details or documentation from me to support my dispute. I appreciate your attention to this matter and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started looking to refinance my mortgage about XX/XX/2020. I looked at my credit score on my XXXX XXXX XXXX app and it was low and our  credit is excellent. So I got a credit report from TransUnion  XX/XX/2020 and they show someone else 's name, completely different on my credit report that is badly hurting my credit. I have never heard of this person ( " XXXX  '' ) and I have never had a XXXX account. I filed a dispute with TransUnion  and they refused to take it off. XXXX   already removed it for me. The amount is {$2400.00} that is in collection, from XXXX XXXX. The collection company is their own, XXXX XXXX  XXXX. For over a week TransUnion told me to call the collection company, who told me to call XXXX, who told me it was in collection, nothing they could do. I asked for a supervisor, they called me back, said they would investigate, today XX/XX/2020. Instead, they sent me an email with a form that has MY ADDRESS with this other person 's name on it and they want me to sign it. I refuse to sign anything with a criminal 's name on it, it was never my account. XXXX gave credit to someone using my SSN and never checked the name, they are 100 % at fault here. How can TransUnion put someone else 's name on my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit 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 consists of a personal credit card account opened at XXXX on XX/XX/XXXX under account number XXXX, an cellphone account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This debt was not owe. They continue to put on my credit report using different agencies and amounts. This debt had been removed several time but some how they keep putting back on the reports using different agencies and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with XXXX ( XXXX XXXX University ) that was in collections but recently paid in full but Experian credit bureau is giving me the run around about updating the status to paid in full. They asked me to upload the paid in full letter to their website but their upload website have not been working. The contact person at XXXX even mailed them the PIF letter and they are still giving me a hard time. I even called on several times and gets no help. I am fed up with the situation because I've done everything asked of me but still they are not reporting the correct information. this is hindering me from getting my family into a better living situation. Attached is a copy of the paid in full letter from the contact person at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 card

I have an US Bank XXXX XXXX Premier Visa Signature Card. The agreement when I signed up for clearly said that get XXXX free night after paying {$75.00} FEE. The main reason I signed up for this card was the last night free benefit. However, U.S Bank & XXXX XXXX recently announced that their XXXX XXXX credit cards would be losing the last night free benefit after XX/XX/XXXX. I 'm really disappointed about this change. Is there anything that U.S Bank can do? I would like to get my annual fee refunded at least if it is possible.
Product: Debt collection

I have paid this debt collection in full and they have promised to remove this off of my credit report.
Product: Bank account or service

Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several accounts that i disputed on my credit report. They were either not my accounts, or were reporting incorrectly. I sent the dispute in to Equifax and XXXX. I asked to give me the information received from the companies that were contacted to verify that these were my accounts. I received nothing back from the credit bureaus but the accounts were verified to be mine. I then sent another method of verification letter to Equifax and XXXX. The same results, verified but they did not tell me how and by who it was verified. On Equifax the accounts were, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  which shows twice but are the same account and XXXX XXXX XXXX. On XXXX the accounts are XXXX XXXX XXXX XXXX XXXX accounts. Also on both bureaus there are inquiries that are not mine and should be removed. Every time i sent a dispute about inquiries they tell me to contact the company directly. I contact the company they tell me to contact the credit bureaus. Also XXXX has my name spelled incorrectly on my credit report.
Product: Credit reporting, credit repair services, 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. 

I wrote XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I submitted a dispute with creditor XXXX XXXX through a credit agency. Notwithstanding the underlying dispute, XXXX XXXX disagreed with the dispute and instead alerted Experian that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, Experian updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and XXXX XXXX illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. Experian states they report exactly what the creditor told them to report and have no duty to check the information. As I informed Experian, they have the credit report of the last five years and can see when the charge off occurred, without much research. Experian has put in another dispute with XXXX XXXX to see how they respond. This is not sufficient, as XXXX XXXX continues to violate laws in error reporting to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank Credit Card sent me a letter saying they have closed my account because I have decided to use my rights in the Fair Billing Act/Truth in Lending. I filed disputes with the credit card because XXXX was charging me for someone else 's orders and orders that were cancelled. I tried to reconcile the charges with my XXXX account so I couldn't verify the charges. I received the letter XX/XX/XXXX. This is the first piece of mail I have received from them. They did not contact about these disputes to let me know what happened or needed anything from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to ALLY FINANCIAL. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Product: Debt collection

15 usc 1692c ( c ) you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above referenced account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact this company " XXXX XXXX - closed loans '' with no success. During the pandemic COVID-19, I let them know about my payment situation and they informed me that I was protected by the Care ACT and several months later I noticed that Banco Popular reported 2 late payments of 30 days on my credit report no matter they told me that was covered. 

The following months are in XX/XX/XXXX / XX/XX/XXXX. 

In addition I opened a dispute and they " Banco Popular De PR '' won't make the proper changes. 

Also, this load has been paid un full on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran a credit check due to a low FICO score inquiry. I have had a low score and have been paying on time. I saw a debt of {$890.00} from a company called LVNV and I have not received any mail, email or calls regarding this debt on my report for two years. I believe 2 years ago this showed up and I requested debt verification to make sure this was not fraud however, never heard anything back. After checking today I called them and they would give me no information on what it was or even how I could pay it. They did nothing yet this has ruined my FICO score for almost 2 years! 

I would never have found this had I not checked today. The frustrating thing is that there is literally no way to fix this! I can't even make a payment on it! It has damaged my credit and they have sent me zero answers on verification of the debt. The company LVNV is lying to me saying they have responded to my mailing address when I received nothing. I have several thousand in my account and never would have allowed a small debt to ruin my credit yet I can't resolve this debt or find out if it is fraud! Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went into XXXX XXXX in XXXX XXXX, CA. I requested a quote and asked to be sure my credit would Not need to ran to get me an estimate. This was confirmed with sales associate XXXX XXXX XXXX, who assured me it would not be ran. 
My credit had a hard inquiry pulled by XXXX XXXX the same day XX/XX/2021. 
When i brought it to the attention of the Manager XXXX XXXX, he went on to acknowledge the mistake but made no attempts to fix the error. 
I DID NOT sign any paperwork authorizing a credit report be taken. 
In turn, i have since gotten a negative effect to my credit score.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Master Finance. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Product: Student loan

I contacted Nelnet in XXXX requesting my detailed forbearance and deferment history including types. I have called multiple times and still havent received it. As of XXXX XXXX Nelnet no longer holds my loans and I need this information. My request was prior to my loans transferring to another servicer.