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

I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

THIS AFTERNOON, I CHECKED MY CREDIT REPORT AND I'M STILL DISAPPOINTED BECAUSE THERE ARE UNAUTHORIZED INQUIRIES THERE.
Product: Credit reporting or other personal consumer reports

According to the FCRA these companies are violating my rights. Under 15 USC and 1681 I did not authorize or gave written permission to have those accounts furnished on the credit report. I attempted to purchase a vehicle and was denied due to the credit reporting, This is a defamation to my character and it is only hindering me from moving forward after a divorce.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation from AFFIRM that the two accounts they reported were to be removed. They are not correcting the issue.
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent {$8000.00} unauthorized wire transfer was initiated from my Wells Fargo savings account to an unknown recipient XXXX XXXX XXXX. 
XX/XX/XXXX I called Wells Fargo approximately at XXXX PM EST, and they froze the account. 
They said its late for claims and asked to call tomorrow. 
The next day, on XX/XX/XXXX, I called Wells Fargo to explain the situation. They created claim # XXXX and initiated an investigation. On XX/XX/XXXX, I received a response from the bank stating that my case had been denied ( attached ). 

On XX/XX/XXXX I notified the local police of an unauthorized {$8000.00} wire transfer from my account, and they started working on the case and gave me a notification ( attached ), on XX/XX/XXXX I received the police report from them ( attached ). 

I called the claims assistance center ( XXXX ) on XX/XX/XXXX, and requested that the case be reopened and escalated to management because I have the police report. Before reopening, according to the representative, they will need to review the case first. 
They have already conducted the investigation and need to know why they need to reopen the case before contacting me. I was redirected to resolution expert XXXX ( Employee ID : XXXX ) who told me that in order to reopen the case, they must submit a request to the XXXX, who will decide whether the case can be reopened or not.
Product: Credit reporting

Transunion has negative account items listed on my credit report from XXXX XXXX, XXXX XXXX, and XXXX. These accounts are not mine. I do not owe these companies any money.
Product: Credit reporting or other personal consumer reports

To all Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX, TX XXXX RE : Remove Unauthorized inquiries Dear TransUnion, XXXX and XXXX XXXX XXXX XXXX After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
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 and 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. Those actions have caused significant inconveniences and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX  XXXX XXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the **Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX  XXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( Experian, XXXX, and XXXX ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXX XXXX  failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** 1. I demand that this account be **immediately removed** from all three credit reports ( Experian, XXXX, and XXXX ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

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

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure
Product: Vehicle loan or lease

This company is the worst company. They are scammers they are adding extra fees to my account. Customer service is terrible. Interest rate is sky high. They are doing this to the who is going to stop them ... ...
Product: Checking or savings account

So I had some of unauthorized transactions on my account which is was very frustrating and I called PayPal to report it and also I saw that money was withdrawn form my account that I didnt approve after calling PayPal they denied my case and said it was normal activity on my account which I told them I never made this transactions and I have no idea why this happened
Product: Credit reporting, credit repair services, or other personal consumer reports

These are Federal student loans that are reported inaccurate. I want remove immediately as thats a violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter.

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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX, XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have been a Chase Credit card and auto loan holder for several years. On XX/XX/XXXX I submitted a payment for the full balance of my JP Morgan Chase Marriott XXXX credit card account, {$9.00}, in order to bring the balance to {$0.00}, and the payment was accepted. During this time, I have later come to learn that my bank from which the payment was debited, " XXXX '', was undergoing acquisition by XXXX, XXXX XXXX. In addition, XXXX, XXXX was subsequently acquired by XXXX XXXX. I did not know that on XX/XX/XXXX, the payment was " returned ''. My assumption is that during these mergers & acquisitions, the banking information was not routed correctly. Chase maintains that the return was due to insufficient funds. I received no email, text messages, or phone calls alerting me to a returned payment. On XX/XX/XXXX, believing my account to be paid in full, I logged into my account to find that my payment had been returned, and it was now 30+ days late. This is not a card I use often, as it is a travel card, and my family and I have not been traveling, so I had not expected there to be a balance whatsoever. 

I immediately paid the overdue balance with a different bank account, and contacted Chase bank. Seeing as Chase had reported my account 30 days past due, my credit score dropped 80+ points due to this {$9.00} balance that was " overdue ''. In addition, I placed disputes with each of the credit bureaus. I have now spoken to Chase bank associates on multiple different occasions, and they have continued to assert that there is no way to amend or withdraw the delinquent payment of {$9.00}, even though my payment had been submitted in good faith on XX/XX/XXXX, and the bank ( s ) responsible for payment declined the payment. This has caused longstanding and costly damage to my credit report and score, and Chase associates have not offered any recourse or solution to repair it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( account # XXXX ), XXXX XXXX, XXXX XXXX start violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX   XXXX XXXX, XXXX XXXX XX/XX/XXXX ) reported to Experian that I applied to credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.
Product: Debt collection

I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Exeter Finance ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Exeter Finance and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Just number of harassing calls all day to the point of not having time and got into trouble at my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. your company refused to provide all information such as who the original creditor is as requested on my debt validation letter. your company refused to completely remove your business from my private consumer report. Your company also unlawfully reposed my vehicle without any merits whatsoever as I am the original creditor according to the XXXX. 
This has caused me defamation of character, severe XXXX XXXXXXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Product: Checking or savings account

XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WELLS FARGO BANK to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account WELLS FARGO BANK - XXXX  Last 4 digit SSN : XXXX
Product: Mortgage

To whom it may concern, Since 2013 I have been trying to get a loan modification with US Bank Home Mortgage ( Loan # XXXX ) every year I have successfully completed their packages sent it into them in a timely fashion, and as it gets to the end of the year they ( US Bank ) have never reached any type of decision concerning a loan modification. Once the year changes they write me a letter saying that my package has expired and they ( US Bank ) needs a whole new package. throughout the year they repetitiously ask for the same information which does not change. 
For 3 years they have only stalled on giving me a loan modification so I can catch up on my loan and make it current. Please look into my situation and please be of help so I can come out of default and make my payments.