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

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.
Product: Credit reporting or other personal consumer reports

XXXX listed in my Experian credit report that I have XXXX self-reported accounts with them when I have never had any dealings with them. Reportedly my earliest account was XX/XX/2021. I called them and gave them their false information, including the account numbers they listed in my report, and asked them to call me, but they didnt. In XXXX I filed a complaint with the XXXX XXXX XXXX which handled the complaint and said that the information would be deleted from my account. However, today, XX/XX/XXXX when I checked my experianXXXX, I saw that the false information was still on my credit report. I never applied for credit with them and never gave them permission to access my credit account.
Product: Debt collection

On XX/XX/2019 I received a response from The XXXX regarding my issue with Atlantic Credit and Finance and they acknowledged receiving my payment and that such debt was satisfied. They said debt was being handled by XXXX XXXX and they have been directed to start the satisfaction of judgment process and they attached a copy of a release letter from Atlantic statingthe account in question is settled and the consumer has no further obligation to the account. I called XXXX on XX/XX/2019 inquiring about this debt from Atlantic Credit and Finance. They did not receive anything and that the account was now sold to XXXX XXXX XXXX XXXX # XXXX. I called they stated they had nothing from Atlantic Credit or XXXX and stated I owed more money on the act. I explained to them the situation and that they couldn't help me but that I still owed money!!!
Product: Credit card or prepaid card

XXXX is with bestbuy citibank credit card # XXXX is the case number. 

Many purchases were made without me knowing or my consent, I had already asked the company to send me a new card. 

These are some of the transactions. 

XXXX XXXX XXXX XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA
Product: Vehicle loan or lease

I am writing this letter to try understanding the 30 late records which were also recorded against me on my credit file. In XX/XX/2020 Kia Motors Finance implemented a deferred payment program for customers that were dealing with the effect of COVID-19 pandemic which offered customers three months of deferred payments. I took advantage of the program offered, in XXXX and XX/XX/2020 the deferred payment program was approved ; however, in XXXX I contacted Kia Motors Finance to request a deferred payment for XX/XX/2020 I was misled and misinformed by Kia Motors finance representatives twice. 
The representative claimed to had processed the request and told me to call back within 72 hours to confirm the request had been approved, and I did, I called three days later and was told by another representative that the request had been approved however on XX/XX/XXXX I contacted by a representative regarding XX/XX/2020 payment, upon informing the rep that a request for a deferred payment was requested and approved I was informed that it had not been processed or approved. The representative stated she would attempt to help me out by processing and another request for a deferred payment and told me not to make any payments at the time until the request was processed and approved, by the XXXX of XXXX I was informed that the request was denied. 
By XX/XX/XXXX I was three months behind on my Kia care payments which were due to no fault of mine but due to the actions and misleading information given by Kia representatives.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

through XXXX XXXX I was offered a new loan with a new interest rate with a company called Rate Genius which based off the information XXXX XXXX had they said I was pre approved. I entered all information they requested, address, car, I uploaded proof of insurance, ID, registration and my income of {$52000.00} for last year! With that information I was given an approval and a rate of 9.49 % which was Lowe than my current 14 % with XXXX. They told me my payment would go from {$620.00} - $ XXXXapx and all they needed to do is run us a hard credit check. I have a XXXX credit score which is in the lower good standings but Good. A representative from the company Rate Genius XXXX XXXX mailto : XXXX XXXX called me to verify my information. And said she will get back to me. Rate Genius made it seem as if I was going to be approved with all the correct and current information I have them. XXXX messages me via text and then asked if I can get a co signer, which I dont have or want. The application made it seem I didnt need one. So I got a response email from Rate Genius stating that I DIDNT WANT TO GO THROUGH WITH THE LOAN which is the not case, XXXX is the one who said that my payment would be more than what Im paying now and they cant help me! 

Im upset because they were miss leading regarding saying they can Lower my payment. And leading me to do a hard credit check hurting my credit score. If I knew they were lying I would have never ran my credit through them. 

Im also reporting that they did nothing to help or guide me to someone who can help! XXXX was quick to call me for verification of information and quick to text me if I had a co signer, but when i text her for information to home office or customer service she ignored me and left me on read What can I do about this and report Rate Genius as a misleading company? 

Thank you
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries and inaccurate information that has been reported on my XXXX report. These entries were made without my consent and may have been the result of a data breach.

In particular, I have noticed multiple unauthorized inquiries from financial institutions that I did not authorize. The companies involved are XXXX XXXX, 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. These inquiries began in XXXX, XXXX and continued until XXXX, XXXX. I have also noticed inaccurate addresses where I never lived the address involved is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, there is a reported account abuse and charge-off by XXXX XXXX, which XXXX XXXX account under my name was closed and charged off on XX/XX/XXXX for the amount of {$780.00}. I did not authorize this account, and I believe this incident is linked to the data breach. The account was reported as " unpaid '' and is negatively affecting my credit profile. 

I did not take any action that would have caused these entries, and the unauthorized use of my personal information has caused damage to my financial standing. I request that this information be investigated and removed, as it was a result of fraudulent activity or a data breach.
Product: Mortgage

Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Requests To Whom It May Concern, I am a victim of XXXX.The Information listed below, which appears on my credit report, is the of that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry : XX/XX/XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Date inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date inquiry XXXX XXXX. XXXX Date inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXPlease block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notifications of the actions taken. I appreciate your prompt attention to this matter
Product: Payday loan, title loan, personal loan, or advance loan

We had some extensive repairs done via XXXX XXXX XXXX Construction of XXXX XXXX XXXX, XXXX, XXXX  in XX/XX/XXXX. We considered taking a loan via the finance company XXXX XXXX uses, Service Finance Co. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The terms were to be no payments for a certain time frame without interest. Despite our excellent credit Service Finance would only agree to 90 days repayment without interest, therefore we paid the entire amount due to XXXX XXXX when the work was complete. 

Service Finance has called me several times and each time I told them we paid the bill in full and would not be taking a loan. Today I received a Welcome Letter indicating my first payment is due in XXXX XXXX. I have written to Service Finance and sent a copy of the paid in full invoice. I have cc 'd XXXX Notice and your organization on my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union received a letter from me on XX/XX/XXXX. In my letter, I had requested that they investigate accounts that were reporting erroneous information on my credit profile. They were supposed to respond with the results within 30 days. I did not hear back from them in that time-frame.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I went into forbearance in XXXX of 2020 because I am a XXXX XXXX and my work was affected by the pandemic. Before I entered into the forbearance, I read about the CARES act and saw that entering pandemic related forbearance would not affect my credit, or my ex 's credit because while I own the title to the property, he is on the mortgage still. I have asked about this every time I spoke to my mortgage company and they said that our credit would not be affected. My ex has taken me to court, saying that his credit has been harmed by my forbearance. I would like to speak to someone who can explain to me the CARES Act rules about how credit is not affected by entering the forbearance program. In addition, I was told that my deferred payments would be " tacked on to the end of the loan '' which I wrongly thought meant that the loan maturation date would be changed. On Monday I found out that through HUD that deferred amount is now a balloon payment that will be a lien on the property until it is paid off, and that the loan maturation date remains the same. No one explained this as part of the pandemic forbearance process to me. I see now that I could have gone to this site and HUD and learned more, but I didn't understand that I needed to do that. My lender gave me a website to go to, but I asked and thought that it was a separate program, not the one that I was participating in so again, I didn't look. The communication process didn't ensure that I understood what was happening. I would like for someone to help me understand how that lien will affect the credit of myself and my ex, because he is seeking to force me to refinance or sell the home to get him off the mortgage, and he is saying that the lien is damaging his credit. I would appreciate understanding how the lien will affect our credit and if that is allowed under the CARES Act because it states that credit will not be affected if you enter into the pandemic forbearance program.
Product: Credit card

unauthorized transactions were done on my First Tech Credit Union credit card and reached out the bank for the same and flagged these transactions as fraud on XX/XX/2023. Moreover my account details ( Login User ID, Password, Phone number and mailing address ) has been compromised without my consent and intervention.
Product: Credit reporting or other personal consumer reports

After requesting removal of unauthorized reporting, these companies violated my consumer rights. XXXX, XXXX, and TransUnion. Violation of FRCA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$83.00} XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I went to an ATM to access my funds that were deposited on XX/XX/XXXX. I was unable to access these funds because my card was expired on XX/XX/XXXX. I had not received a replacement card prior to XX/XX/XXXX. Upon calling the Go Program Customer Service number at XXXX, the first person I encountered tried to charge me {$5.00} for an additional card to be sent within 7-10 business days, OR {$10.00} for a card to be sent to me within 5-7 business days. This fee was finally waived when I asked the first agent to speak to his supervisor. He placed me on hold, came back and announced he could waive the fee. Upon asking me if I had anything else he could do for me, I said yes. I needed my Online Account unlocked. The agent said he would issue a ticket to fix this problem and it would take up to XXXX business days to resolve. I told him this was completely unacceptable since I rely on these funds to pay my bills and feed my XXXX children, and that these funds were supposed to be available to me on XXXX, and MyGoProgram was denying me access to my own money. I asked to speak to the Information Technology department personally to resolve the issue immediately. I was informed that my request was an impossibility since there was no way to access the IT department by phone. I was then transferred to a 3rd Agent, who, after explaining what I had been through with the other 2 agents, offered to expedite the sending of my new card and has guaranteed the delivery of my card by XX/XX/XXXX by XXXX. She also stated that when I activate my new card, then the ability to transfer funds electronically would be unlocked online. 

The problem with this company firstly, the expiration status of my card should not be electronically connected to the access of my funds online. Second, the IT department should be accessible immediately for families like mine who depend on their funds to be available to them when promised. Thirdly, the amount of time, the extent to which I had to complain including a total of 3 different agents is unacceptable customer service. This company operates under sub-standard policies, have only their own best interest in mind, and have poor access to urgent functions such as IXXXX services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to my account with Hyundai Motor Finance. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write Hyundai Motor Finance back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX report has changed and has been accurate since. However, my XXXX  report hasn't changed or been resolved at all. 
I did open a dispute with XXXX in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, XXXX reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, XXXX was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call Hyundai, as that's where they get their information. I called Hyundai and they opened up an investigation on their end. On XX/XX/XXXX, according to Hyundai, they sent over to XXXX the correct account information. I have started another dispute with Hyundai on XX/XX/XXXX, but have no results yet.
Product: Credit card

In XX/XX/XXXX I had a credit report run for a personal loan. A USAA account showed up on my credit report with a transaction amount of {$76.00} that was placed on this credit card account on XX/XX/XXXX. The account was subsequently noted as late and sent to collections. USAA has since closed the account. I had no knowledge of this account and/or the charge made in XX/XX/XXXX. The charge was also made in XXXX. I have been living in XXXX since XX/XX/XXXX. 

I contacted USAA and was informed that the account was opened in XXXX but no charges were ever posted to the account until XXXX. USAA was sending all information on this account to an address in XXXX so I had no knowledge of what was happening until a year later. 

I have contacted USAA at least 3 times and have been provided with varied information about how to handle the case. I wrote a letter to them and did receive 2 letters dated XX/XX/XXXX that the disputed charge may be unauthorized or fraudulent. One of letters stated, " we ' re transferring the matter to our Fraud department for continued investigation. '' I have not had any response in writing from them since. 

I called in XX/XX/XXXX and was told by a woman named " XXXX '' that nobody had investigated my account. She proceeded to inform me that I needed to file a police report in order for USAA to resolve this matter.
Product: Consumer Loan

On my credit report XXXX is not reporting what appears on my account online. They are not reporting that I have not been XXXX days late on my account in XX/XX/2013. Instead it says my account has been charged off. Online the company is reporting that my account is current. When the payment is XXXX days late the company calls and requests a payment because the account is still active and not charged-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote XXXX XXXX and Equifax XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, PREMIUM CREDIT BUREA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.