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

I am writing to formally dispute recent credit inquiries and the subsequent drop in my credit score, which I believe are directly related to a data breach involving my personal information. I became aware that my information was compromised as part of a recent breach, and shortly afterward, I began noticing unauthorized credit inquiries on my account.

These inquiries have negatively impacted my credit score, and I suspect they are a result of the breach. I have not authorized these credit checks, nor did I apply for any new credit accounts during this period. It is deeply concerning to me that my credit score has been affected by this breach, and I request that these inquiries be investigated and removed if they are determined to be unauthorized or fraudulent.

I would appreciate it if you could review my credit file, provide a detailed explanation of the unauthorized inquiries, and take immediate steps to correct my credit score. Additionally, I would like to receive confirmation that these actions have been taken and that my credit report is fully corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

XXXX ; Experian and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX  I submitted a complaint to TU informing the bureau that the charged off account needed to be investigated for improper reporting and TU repsonded that the account was not reporting on my consumer report, however the account is still listed on my report as a charge off. 

I requested a 1099C form from XXXX XXXXXXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau XXXX they stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Against TransUnion Subject : Unauthorized Hard Inquiries on TransUnion Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against TransUnion for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. These inquiries were not authorized by me, and I suspect fraudulent activity or unauthorized access to my credit profile.

Under FCRA 611, a credit bureau must verify all information on a consumers report within 30 days or remove unverifiable data. Since I did not authorize these inquiries, and TransUnion has not provided proof of my written consent, these inquiries should be deleted immediately. 

Disputed Hard Inquiries : Company Name Inquiry Date ( s ) 1 ) XXXX  XXXX  XXXX  XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries have damaged my credit score and should not be present on my file. TransUnion is legally required to remove inquiries that can not be verified with my written consent. 

This case requires immediate resolution to prevent further harm to my financial reputation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a single mother trying to purchase stable housing for my daughter and I, I found the perfect home and am in the process of closing however an old Best Buy credit card issued by citi bank showed on my credit report, so I reached out to the charge off department to pay the debt and get a payoff letter expedited so I can make closing, the representative informed me that it will take 25 days to get your letter and thats policy! Wow,! So I asked if there can be something a supervisor can do to help get this resolved so I do not loose my home and they said Im sorry but thats not our problem, so when I finally got to a supervisor they informed me that I am not sure what you expect me to do but its not our fault you have no where to go but its sytem generated and we cant do anything for you. So as large of a cooperation that Citi Bank is, there is no one that can help me. And for the supervisor to tell me its not our fault and there is no one that can help you get this taken care is disturbing. I have never been treated with such disregard and spoken to so rudely.
Product: Vehicle loan or lease

On XX/XX/year> i was scheduled to have an appointment with Jd byrider. Located on south XXXX XXXX in XXXX, wi. Upon my arrival there i did a preapproval app and had my documents. I was asked how much i would be putting down today and i stated XXXX i was working with an associate who then told me tht because i made a higher income that the lender wanted me to put in order to receive more than one option which was a XXXX  XXXX and if i wanted more options to put XXXX down I requested to speak with the manager to ask why would a lender request more money down bc i made more money, i asked to be provided with the lenders name so i can ask about unfair practices which he denied me that right! I asked again to be provided something from the lender he denied me again and stated that the XXXX makes the decisions i asked for the XXXX  name and was not provided with anything, he told me that i brung home XXXX and that i could afford to put more than XXXX i told him that i made no sense. I asked to make a call he stepped out and when the original associate came back i told him that i would put the XXXX down and bc the manager stated that i bring in XXXX biweekly that i wanted something nice. The associate told me that the manager stated he would not even accept the XXXX and that it would be XXXX down i asked for the managers name that i spoke with and the associate asked why and i stated that im a consumer and its my right to know whom im dealing with. He walked out and came back with a business card of said manager. Also i did ask for my information to be transferred to the XXXX location and was denied.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Mortgage

I received a check from Carrington Mortgage Services in XXXX XXXX and misplaced the check. I tried to cash the check in XXXX XXXX and was denied by my bank. I called Carrington in XXXX XXXX to request a new check and was told they will reissue it. Subsequently, I called every month to check on the status and received no check. I called them in XXXX and was told that they will reissue it. I called in XXXX XXXX, XXXX and spoke with an agent named XXXX who told me that the check was endorsed and cashed. XXXX told me to request XXXX XXXX ( my bank ) to fax over the letter showing that the check was not cashed. I called XXXX XXXX and they did faxed it to XXXX, the number XXXX gave me. I called back on XXXX XXXX, XXXX and was told by a female agent named " XXXX '' that Carrington never received the fax and the number belonged to another individual. XXXX informed me that she will email XXXX and his supervisor to follow up with me to resolve the matter. They have yet to call me. No one at Carrington had ever called me back to resolve this matter since XXXX XXXX.
Product: Credit card

Capital one credit card reporting on credit reports this is inaccurate income doesnt report to credit report. This account was written off according to irs regulations 6050p written off amt over XXXX dollars must issue 1099 c. Please provide do I can pay taxes.
Product: Debt collection

I purchased a car in 2008. My grandmother was making payments on the car while I was in college and young. She fell ill and stopped making payments in which I was unaware. The car was involved in an accident and when the bank tried to repossess the car it was in the shop. I told them where and assumed they picked the car up from the mechanic and that was the last I heard for years. I assumed the car was taken and sold. Five years later I opened my check to discover someone had taken half of what I made. It was the first time I was ever aware I was being sued for anything. I was not in a position to fight them, I was a single mother trying to make ends meet and could not afford an attorney. I made an agreement to pay them. A debt in which I thought was the total for the car. Unfortunately five years later I am still making payments. I am desperately trying to purchase a home for my daughter and I to live in. I offered to settle with them last year. I offered them XXXX XXXX dollars which was roughly 50 % of what was left. I had already paid them XXXX XXXX so I assumed that was fair. They declined my offer and continued to track me down and demand more money every time I turned around. I am still making monthly payments to them and would truly just love to be able to purchase a home.
Product: Debt collection

on  XXXX   XXXX     2017  my wife received a collection letter from Bonded adjustment company date  XXXX   XXXX     2017 regarding a bill. This is not a joint account or debt. it is a medical bill that i am responsible for alone. in the communication to my wife WITHOUT my consent or authorization included ; my name, original creditor, account number and   balance owed. according to fair collection laws this is illegal and why i am filing this complaint. i have include a copy of the letter sent to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with Experian, XXXX, and XXXX. The pay off amount was paid in the amount XXXX on XX/XX/.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent sand address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Checkr regarding their mishandling of my background check, which has resulted in significant financial loss for me. My name is XXXX XXXX, and I am a driver for XXXX. I have been unable to work for the past 5 weeks due to the suspension of my background check by Checkr, which has prevented me from driving for XXXX and earning income. The issue began on XX/XX/2024, I went online to start the background check, once I entered my SSN it said my SSN does NOT match their records. Despite providing accurate and consistent information, Checkr has been unable to verify my Social Security Number ( SSN ), which has caused my background check to remain in a suspended state. It's worth noting that I have been successfully driving for XXXX 3 years plus using the same SSN without any issues prior to this incident. As a result of Checkr 's failure to resolve this matter in a timely manner, I have suffered significant financial hardship. I typically earn approximately {$1100.00} per week driving for XXXX, and being unable to work has resulted in a loss of income totaling {$5500.00}.
Product: Credit card or prepaid card

To Whom it may concern, MILITARY STAR XXXX XXXX XXXX XXXX MILITARY STAR is refusing to honor my remittance coupon I mailed in as payment and they refuse to adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX XXXX which I did not initiate, request and/or conduct any business with this company. XXXX XXXX XXXX XXXX dated XX/XX/2023
Product: Mortgage

An error was made by the mortgage company ( Dovenmuehle ) where they made an additional escrow payment in XX/XX/2020 to the city of XXXX, CT. As a result, my account was reflected on their side as being underfunded and they increased our new payments by XXXX $ XXXX/month. I have reached out to them for over 2 months now to resolve this issue multiple times proactively and they have told me that they lost their analysis, needed to conduct a new one, and they still have not resolved my issue. This issue is solely with Dovenmuehle and we can not afford to keep paying these overinflated monthly payments because of a mistake the mortgage company made in error. I need help because the mortgage company continues to ignore me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00}
Product: Debt collection

Company XXXX - XXXX XX/XX/XXXX New Address - XXXX XX/XX/XXXX Commonwealth Financial - XXXX  XX/XX/XXXX ( there were 2 reports same from XXXX ) Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX  ) - Inquiry Details from XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Telephone Companies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX  ( Miscellaneous Reptg.Agencies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX ( I had a credit card from XXXX  ) Derogatory Marks from XXXX XXXX  ( not mine ) XXXX  ( not mine, there were 2 reported ) XXXX XXXX ( not mine ) Ps. not represent enough information which is including from who, when, where, etc. depts. report, as well on XX/XX/XXXX-XX/XX/XXXX someone broke into the car and got all my wallets, credits card, driver license and social security number card ) Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My Heloc was modified at or around XX/XX/2023. I continue to make timely payments at the beginning of the month for more than the actual payment. I was continually told that my mortgage payments were late via phone calls and mail notices. However, when I called in to discuss the matter, they told me I paid on time and the payments were more than the minimal payment. The matter was worked out and they said I was paying on time, but my account was charged with late fees. The phone agent stated they could reverse one fee but couldn't address the others. I'm seeking reimbursement for the late fees charged in error. Any assistance will be greatly appreciated.