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

CFPB + Transunion This is in regard to 3 unauthorized hard credit inquiries on my Transunion credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Please have these 3 unauthorized hard credit inquiries removed as soon as possible as it is damaging my credit and ability to obtain new credit.
Product: Checking or savings account

I opened this account on XX/XX/XXXX at XXXX XXXX, since I opened I never receive the debit card and also the pin. I tried to request trough the online banking but I was requested to call customer service, I called customer service and they cant do anything. 
This is the second issue since I opened the account so please fix all with my profile
Product: Credit reporting or other personal consumer reports

This is my second time submitting this complaint to Comenity bank and I do need it resolved as soon as possible. The previous response I received says that because I submitted my information, I gave them authorization to report a hard inquiry. This is absolutely not true. On XX/XX/year> I did a PRE QUALIFICATION check for Alphaeon credit through Comenity bank. It specifically said it would not affect my credit and would not be a hard inquiry. This was written in big letters, before I submitted my information, see attached screenshot of website. I now have a hard inquiry on my XXXX credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX XXXX XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 Citibank ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. Citibank has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.
Product: Credit card or prepaid card

( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. 
While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. 
XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. 
Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing address
Product: Checking or savings account

On XX/XX/2021 Bank of America ( BoA ) deducted {$1200.00} from my Personal Checking account with authorization, nor informing me. When I discovered the deduction, I called BoA to find out why it was removed. BoA employees refused to tell me what the charge was for, and eventually hung up on me after 1 hour and 3 different employees refusing to tell me what happened.

I later received a letter from BoA stating that the funds were taken from my Personal Account to apply payment to a Business Account Credit Card ( Setoff ). The Business and Personal accounts are separate, yet BoA felt entitled to steal money from the personal account for a Business account credit card payment. 

This has resulted in me being unable to meet bills for this month, and likely the loss of my residence.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has old account information on my credit report that is over 7 years old. I  have disputed it for a long time and they refuse to remove negative item.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$110.00}
Product: Credit card or prepaid card

Credit Karma showed me all these credit cards I was pre-approved for and once I applied I was denied
Product: Mortgage

LOAN CARE REFUSED TO MODIFY MY LOAN AFTER MY EXTREME HARDSHIP,
IVE HAD XXXX XXXX AND SUFFER WITH XXXX

I FEEL ABUSED THAT LOAN CARE WILL NOT RESPOND

I WORRY EVERY DAY THAT FORECLOSURE COULD BEGIN

I MUST SHORT SALE MY HOME AFTER OWNING IT FOR 17 YEARS

LOAN CARE COMES UP WITH ALL KINDS OF EXCUSES AND WILL NOT APPROVE MY SHORT SALE; I COULD LOSE THE BUYER

WE VE MISSED 4 CLOSING DATES

THE BUYER HAD TO PAY EXTRA TO SECURE THE LOCK ON HIS NEW LOAN
Product: Mortgage

I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.
Product: Debt collection

Just saw on my credit report an issue from 2014 that i dont know about.
Product: Checking or savings account

Opened a XXXX account in XX/XX/2024 to do some investments. 
Deposited {$5000.00} on XX/XX/2024 and then {$2000.00} on XX/XX/2024 also set up direct deposit from my employer. The account was frozen on XX/XX/XXXX and is still frozen now XX/XX/2024. They had bounced the {$2000.00} but they still have the {$5000.00} and I've been unable to access it for over a month. They have no email they provided for me to talk to them only a XXXX account that never responded, and calling on the phone but they were never able to provide any information on what was going on.
Product: Credit reporting or other personal consumer reports

I contacted EXPERIAN on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of 1974 states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of EdXXXX to remove all accounts due to the FERPA It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX XXXX XXXX   from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above XXXX down to about XXXX   Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Product: Debt collection

northwest financial called me stating I owed over {$7000.00}. I asked for what and to who, was told they didn't have that information. then asked how I was going to take care of it. asked my wife to call and see if she could find out what it was and they told her it was an account that was on a previous name of hers and stautes of limitations was up on it, but when I asked they just said I recieved a letter on it and I owed it. 1. it's not my debt 2 staute of limitations was up and they try to deceive me into admit I owed it.3. should of never called me. I don't remember excatefate, but I do know they I was in a drive though line. there is supposed to be a recording of the call that needs reviewed. I have also been told I owe other accounts, but have had to get my A.G to get a list of those and still don't have the amounts that I supposedly owe after asking though my AG multiple times. just was told it was other account with no amounts. how many other people have they done this to?
Product: Credit card

In Re : Complaint Against : Affirm XXXX XXXX XXXX XXXX XXXX XXXX United States Account XXXX XXXX XXXX XXXX XXXX ( EXP : XX/XX/XXXX ) Complainant XXXX XXXX XXXX Subject : Formal Complaint Abrupt cessation of credit flow Dear Sir/Madam : I am writing to express my profound concern and disappointment about the recent halt in credit flow to my account, which has caused me significant inconvenience. As a loyal customer of Affirm for three years, I have always appreciated the services and benefits offered. This complaint letter confirms my identity and connection to the account above. 
The abrupt cessation of credit availability has placed me in a precarious financial predicament for a multitude of reasons. 
The abrupt termination of credit availability without prior notice or rationale left me unprepared to handle my finances effectively. As a responsible cardholder, I depend on a consistent credit flow to cover essential expenses and manage unforeseen emergencies. 
Discontinuing credit abruptly can have a detrimental effect on my credit utilization ratio, which is a key element in calculating my credit score. This unexpected development may potentially damage my creditworthiness and financial reputation over time. 
Many people, including myself, rely on credit facilities to meet immediate financial needs and purchase necessary items. Yet, when credit is suddenly unavailable, it hampers my capacity to manage daily expenses and fulfill financial obligations in a timely manner. 
Lack of Alternatives : As a valued customer, I expected Affirm to provide alternative solutions or options before discontinuing credit flow on my account. Unfortunately, I was not given the opportunity to explore alternative arrangements or discuss potential solutions to mitigate this inconvenience. What's up?? 
Recently, Affirm requested that I identify myself for which I did so on or about XX/XX/XXXX. This authentication was performed via uploading a copy of my U.S passport and an selfie photo. I understand that credit policies may change over time due to various factors, but I urge Affirm to justify its decision to literally stopped the flow of credit on a pristine account history. As a responsible cardholder, I am committed to fulfilling my financial obligations and maintaining a positive relationship with Affirm. 
Please justify any late payments or infractions on the account. Kindly ensure that Affirm provides this information. Moreover, Affirm provides a detailed record of all account activities since its inception, including any unusual occurrences. 
I would like to request that the CFPB carries out a comprehensive examination of the aforementioned account and furnishes me with a thorough explanation for the interruption of credit flow. Furthermore, I would be grateful for your help in locating a suitable solution to this issue as soon as possible. 
Thank you for your attention to this issue. I trust that will address my concerns promptly and take the necessary steps to restore the flow of credit on my account.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : 1 ) XXXX {$3700.00} - XXXX 2 ) XXXX {$0.00} 3 ) XXXX XXXX {$0.00} opened XX/XX/XXXX. 

HARD INQUIRIES 1 ) XXXX XXXX XXXX ( XXXX ) 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX  8 ) XXXX 9 ) XXXX XXXX 10 ) XXXX
Product: Debt collection

I returned multiple receivers and remotes to XXXX in XX/XX/2019. A debt collector called me in XXXX and I submitted all my documentation and confirmed in-person to XXXX that my account was resolved and in good standing. 

Suddenly a new collector, Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX is contacting me. 

I do not owe this debt and they are not authorized to be contacting me.
Product: Debt collection

They call from different numbers. I have spoken with several reps requesting they stop calling me but the calls will not stop. 

Numbers they call me from : XXXX Call List : XX/XX/XXXX @ XXXX XX/XX/XXXX @  XXXX XX/XX/XXXX @ XXXX # XXXX I delete the rest of my call history prior to making this report. The calls come every couple of days. 

The automated system states it is XXXX XXXX and she needs me to call her back @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of AD XXXXXXXX XXXX XXXX  Account # XXXX, AR XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.