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

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several hard inquiries listed on my credit report that I believe are inaccurate and unauthorized. These inquiries have been reported as a result of identity theft, which I have previously reported to XXXX. 

I filed a report regarding fraudulent activity related to my personal information. A copy of this report is included with this letter for your reference. As a victim of identity theft, I request an investigation into the hard inquiries that were made without my consent. 

The specific inquiries I am disputing are : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired XXXX XX/XX/year> EXPERIAN XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX  Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. Since these inquiries were made without my authorization, I request that you investigate this matter and remove these unauthorized inquiries from my credit report promptly. 

Enclosed with this letter, please find a copy of my XXXX report and any other relevant documentation that supports my claims. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of the unauthorized hard inquiries from my credit file.
Product: Checking or savings account

Opened a Wells Fargo checking account on XXXX XXXX which had {$250.00} signup bonus. " We 're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XXXX XXXX, XXXX. '' I was eligable for the bonus and was informed that bonus will be applied to my account " Status : Your application has been approved, and your new account is eligible to receive a bonus offer '' I Deadline for opening account to receive bonus was XXXX XXXX. I opened and met terms of account on XXXX XXXX. Made initial deposit of {$50.00}, which was {$25.00} more than required. Wells Fargo refuses to pay {$250.00} bonus per advertisement of signup. I informed them of meeting the deadline and terms and company refuses to issue bonus. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent any 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I disputed all transactions made by by 2 companies.

First company-XXXX  because they were not mad
e by me. All transactions occurred in a 1.5 week timeframe. Chime app only allows 5 transactions to be disputed in one claim so I chose the ones that had the most charge ( total claim charge : {$490.00} ) and gave them a call to dispute the second claim ( {$220.00} ). While Chime approves the 2nd claim of {$220.00}, they deny the first claim of {$490.00}. 
Second company-XXXX, they deny all my transactions I disputed but approve 1 transaction of {$21.00} I am definitely mind blown on how how chime does their investigation. But they decided to close my account without properly investigating my disputes. I gave them a call yesterday XX/XX/year> and told them I wanted to reopen the disputes again and was told that " it is still under investigation & I would receive a temporary credit on/before XX/XX/year> '' when I CLEARLY received an email stating my claims were DENIED & that my account will close on XX/XX/year>. 
Definitely speechless about my situation as I am losing almost XXXX XXXX due to lousy workers who are dealing with peoples finances
Product: Credit reporting or other personal consumer reports

Tried to logon to Experian to lift a freeze, account has been hacked. Have called them multiple times. Tried to use the online chatbots and reset our account online. Since it has been hacked the reset requests go to the hackers and not us. We have spent hours on hold trying to get to a person and have only been able to talk with XXXX people. All XXXX of them transferred us to the membership line. It is an automated phone tree that we can not get past since the first step is to verify account information. 

Hackers have control of our account and Experian is not helping.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion on payment history on XX/XX/year>. as of XX/XX/year> i have no access to my TransUnion credit report. I can still log in.. but I am prohibited by 'the system ' from seeing my credit report because there is an active dispute. How does questioning my report preclude me from viewing my report? TransUnion is the only agency that blocks access. 

The suggested resolution i was given my TransUnion : Cancel my dispute and I'd get access back...
Product: Credit reporting or other personal consumer reports

I have an XXXX XXXX XXXX XXXX Account that was opened in XXXX ; I paid the account off in XXXX of XXXX and did not use/access the card again until XXXX, or XXXX of XXXX I don't remember the exact month, but if was within this time frame ; I charged {$69.00} on the card during this time, and the following pay week I paid that amount. After that the card had not been used again, then received a letter in the mail on XX/XX/XXXX from XXXX XXXX  XXXX stating my account had been closed due to the number of dishonored payments!! I immediately called XXXX, to find out why is my account closed, and what do they mean about dishonored payments? I pay all my bills on time, as i have a 100 % excellent payment report and a good credit score!! Once on the phone i asked the representative I received a letter stating i had dishonored payments, and my account has been closed why? The representative stated the account was not closed, and i asked why did i receive this letter if it's not closed? she said they close out the account automatically if they suspect fraudulent activity. The Rep then tells me there's a balance on my account of {$150.00} I told her i haven't made any purchases in that amount, and would like to dispute it, so i made a dispute claim in which she said it could take up to 30-60 days. I received a call about 3weeks later and they were stating i now owed {$99.00} for insufficient funds!! I told them I made payment of the {$69.00} where is the {$99.00} coming from I don't owe them anything! so on XX/XX/XXXX I paid {$99.00} to XXXX XXXX  XXXX XXXX XXXX ; so on XX/XX/XXXX I received another letter in the mail stating my closed account was reopened in error, and has since been closed i then contacted them again to find out what's going on! The Rep said once again your account is not closed it's still open, she said you do have a {$150.00} credit! and have a XXXX balance, i asked her to close the account, and she did and she said i will also mail the {$150.00} Check in which i received. This Company has continued to call me continuously, saying i owe after the account has been closed and they reported in XXXX that i'm 30days late, and still adding late charge fees to the account and to the credit bureau when the account was closed in the month of XXXX ; this has affected, and is affecting my credit score drastically when i don't owe them anything and i don't see why they should be able to report to the credit continual when an account is closed!!!!
Product: Credit reporting or other personal consumer reports

I have reached out to TOMO boost and as well and the 3 credit reports and going back and forth for validation. I applied for Tomo Boost have yet to see it reporting on all 3 bureaus.
Product: Student loan

Pioneer Credit Recovery is harassing non-immediate family members with calls and lying about their reasons for calling. This is very illegal and is in violation of their contract with the department of education.
Product: Vehicle loan or lease

I have a loan with Santander and I had a deferment and my car Ive been paying on for close to 3 years and the principal has dropped less than XXXX XXXX dollars my interest rate is 20+ percent and Im already struggling to make the payment and I feel like my loan was fraudulently padded because no one else will finance me because my income is to low. Please help me
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report they are hurting my ability to obtain credit.
Product: Debt collection

I received XX/XX/XXXX a call at my Job, and it was from a company called XXXX XXXX XXXX from a gentleman by the name of XXXX XXXX. He stated that the call was in reference to a World Finance Debt. I was surprised because he stated that I owed a debt to them. I respond that I had XXXX loans from World Finance but they both were satisfied. I immediately hung up and called the XXXX location where I got my loans back in XXXX, and XXXX. The XXXX location confirmed {$2000.00} was sent to collections. This guy XXXX XXXX from XXXX XXXX XXXX stated I received a loan in XXXX. I never got a loan in XXXX I applied for a loan but it was denied that's what the world finance representative told me. I don't know if the World Finance employee lied and said I was not approved but I was approved and took the monies, but I never received a loan. This is a fraud, and they're coming after me for monies I've never received and it's ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX /PXXXX XXXX XXXXXXXX Balance : {$2700.00} SXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Trying to open an account on the application on my mobile phone XXXX XXXX, but supposedly Huntington bank is not partnered with XXXX XXXX and it wo n't let me complete the set up. However, it has been complicated because XXXX XXXX was able to put a trial deposit of XXXX cents and XXXX cents into my checking account successfully.
Product: Student loan

I consolidated my federal student loans in XXXX. At that time I owed approximately {$100000.00}. I was on forbearance until approximately XX/XX/XXXX. I then selected what I thought was the 10 year accelerated repayment plan. This plan provide that I make a set payment amount for 10 years to pay the loan off in full ( without forgiveness ). The payment amount was {$780.00}. When the loan switched to XXXX servicing, the amount was changed in XX/XX/XXXX to $ XXXX. I paid that amount until XX/XX/XXXX when the loan went on hold due to XXXX. My servicer was switched from XXXX to Aidvantage in XX/XX/XXXX. At that time, they sent me a solicitation to explore repayment options. I look at it and by looking at the option, they switched my enrollment to an income base plan. At at time, I should have had approximately 3 years left on my repayment plan. I called and told them to switch me back to my plan. They said they could not unless I reject the XXXX forbearance but when it is over they will switch me back. I called today, XXXX XXXX when I reviewed my account and it says I owe $ XXXX with a payoff date of XX/XX/XXXX. They told me a 10 year option never existed which is untrue. I have paid in approximately $ XXXX and now owe more money then when I consolidated.
Product: Debt collection

XXXX XXXX XXXX Balance {$2700.00} Balance updated XX/XX/XXXX, XXXX XXXX XXXX Balance {$250.00} Balance updated XX/XX/year> Multiple calls from both agencies
Product: Checking or savings account

I have an account with Albert, a company in connection with XXXX XXXX. I used them for months without issue and then I started losing deposits. At first it was my direct deposit from my employer and I thought this was a mistake on my payroll provider. Until a week later where I did not a receive a refund deposit from my school either. When trying to reach Albert support was unhelpful. They can only be reached through text and gave me a run around involving what happened to my money, stating that they see know deposits from either. I have deposited money into this account from both multiple times over, this is not a routing number or account number error. Im doubting support even truly has access to accounts, they didnt ask any verifying information about who I was. Im heading in the direction of going to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin XXXX XXXX. I enclosed a letter stating these facts and this company verifies to the XXXX XXXX XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Product: Credit reporting or other personal consumer reports

I did not do this loan!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! NAVY FEDERAL WILL NOT PROVIDE ME WITH ANY TYPE OF INFORMATION OF WHERE A CAR/TRUCK WAS PURCHASED FROM AND WHAT OR WHERE THIS CAR OR TRUCK WAS REGISTERED!!! IF YOU CAN NOT PROVIDE THAT INFORMATION IT SHOULD BE REMOVED FROM MY CREDIT REPORTS ALL OF THEM.

navy federal has been in the news for months about how they do XXXX people and I feel that is what is going on with this ; find a poor XXXX person and try and make their life harder ; XXXX people have to have XXXX plus just to be even considered
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit Bureau took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is a fraudulent credit card account that was opening in my name back on XX/XX/XXXX of XXXX. This card was one of 5 that were opened in my name. I immediately went to the police station and got a police report and sent it to the credit card companies explaining that it was removed. All of the companies removed the information except XXXX. They made outlandish requests asking me to get additional police reports, and I did. For the past 5 years I have been continuously submitted disputes for the information, getting it denied, and then reopening. I have provided police reports, letters, and more. Finally in XXXX of XXXX I get the information removed from my credit report and my score goes up. The very next month it is added back. I then receive a letter saying XXXX has provided information proving that the account belongs to me. I contacted both equifax ans XXXX to see what information was provided but no one could give me an answer. I also brought up the fact that they are supposed to give me 5 days notice before reinserting anything back onto my credit report, and that wasnt done. Now they want me to get a 3rd police report asking them to not add it back, this is ridiculous. I feel like theyre running a scam and in no way see that Ive done my due diligence to get this removed. All my other accounts are in good standing. I want to buy a house, but nothing can be done with this false information reinserted on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off early and in full on XXXX XX/XX/21. And is reporting to XXXX as Derogatory and collection/charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. XXXX and Experian fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXX/mo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a generic complaint to Clarity late yesterday asking if there was a consumer report for myself. I called this morning and was able to have a very good conversation with the representative - apologies I forgot his name. Anyhow, I was able to find out what was needed to verify my identity. I will submit it here and await a copy of my report to be mailed to myself. 
Please also freeze my account and place a permanent opt out on the file.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$3800.00}