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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Student loan

Aidvantage is in violation of my consumer rights as a natural person, original creditor. 
15 USC 1692e 15 USC 1692f 15 USC 1692j
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX XXXXvided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond to us.
Product: Credit reporting or other personal consumer reports

There are three XXXX collection accounts being reported on my transunion and experian reports that are from fraud. Thr original credit cards have been removed. that the collection agency that are listing these on my credit report. How can I ne responsible for charges that were fraud in the first place. The charges never existed. I've disputed multiple times and asked them to remove it, with no success.
Product: Student loan

Loan has stated I was late two payments and it was detriment Delete and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX had violated my rights! 
15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2.

It also states that a consumer reporting agency can not furnish your account without my written instructions.

15 usc 1681 ( a ) ( 5 ) states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The Experian a credit bureau must verify this item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a certified letter to Transunion disputing inaccurate reporting of three accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. 

Thank you
Product: Credit card

I do not have a XXXX XXXX account. I paid my first credit card statement via a global money transfer. My second payment I attempted to do the same thing. I sent that XX/XX/XXXX and informed AMEX of the send. They said it would take 5-7 business days to show. On XX/XX/XXXX payment had not been applied and I had to recall it. I then contacted AMEX and was told as of XX/XX/XXXX they no longer accepted global wire transfers as payment. I was told to reach out to a friend or family member with a XXXX XXXX account and have them pay. This felt odd but I wanted to pay the bill. My daughter has a XXXX XXXX account but her bank wouldnt add AMEX as a payee because her name is not on the account. I contacted AMEX again and they told me to link her bank account with my AMEX account. I was deeply uncomfortable with this but was told they could do it so I could make a payment. I only paid the minimum amount because this just felt wrong. I even asked AMEX if this was really the only way and legal. AMEX manually entered my daughters banking information to my account and accepted payment. 
I have more money owing but am very concerned as to how to pay this. This situation has red flags all over it. I got back on with AMEX chat to figure out how I am going to pay the balance since I can no longer make a payment via my account. They said my daughter can pay but then she has to provide all her banking info again and she doesnt even have an account and is not on my account. I am just trying to pay this bill. Please help.
Product: Credit card

I was approved for a Gemini Credit Card on XX/XX/2024. On XX/XX/2024 I received an email that my Gemini Credit Card would be suspended/ frozen until I provided a selfie showing the date and a code written on a piece of paper. I uploaded the selfie with the ticket number on the same date. I have followed up via phone and secure message. Gemini approved the card, suspended it and it has remained suspended without so much as a follow up. I can not get any response from any of their customer service channels.
Product: Checking or savings account

Hello, I had a transaction in my list of transactions with Wells Fargo that wasnt done by me. I dont know the person that the money was sent to thru XXXX XXXX Ive never used XXXX. 

I logged in my account and noticed the unusual amount taken and immediately called and disputed. Later they sent me a letter via mail and closed the claim saying they determined the transaction was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.
Product: Credit card

Around the XXXX of XXXX XXXX I contacted Bloomingdale 's Credit Card Services ( XXXX ) to verify my account limit. After inputting my card number and other identifying information I was advised that my credit limit was {$2000.00}. I actually thought that my limit was much higher than that. About 5 days later I received a letter from Bloomingdale 's dated XXXX XXXX XXXX stating : " Why we 're writing you It 's been a pleasure to have you as Bloomingdale 's Credit Card customer and to serve your credit needs. We are sorry to hear that you no longer wish to keep your account. As you requested, we have closed your Bloomingdale 's Credit Card account. '' After reading the letter I immediately called Bloomingdale 's at XXXX on XXXX XXXX XXXX to advise that I never requested to have my account closed. The Bloomingdale 's representative indicated that my account was closed in XXXX XXXX which was a surprise to me because around XXXX XXXX XXXX I was informed I had a {$2000.00} credit limit! 
I requested that my account be re-opened because their letter falsely accuses me of requesting a closure of my account. The representative then transferred me to her supervisor. I then re-iterated my concerns to the supervisor at Bloomingdale 's Credit Card Services again stating that I never requested to have my account closed and just a week earlier I was informed that I had a {$2000.00} limit. I also indicated that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act affords me the right to receive an " adverse action '' letter from a creditor if they took an adverse action against me. I did not receive such a letter in XXXX XXXX stating my account would be closed and I did not request to have my account closed in XXXX XXXX. I then requested that the supervisor re-instate my account and she advised that she would have to transfer me to yet another department that could handle that request. I was placed on hold and then a gentleman came on the line, I greeted him and after several " Hellos '' he did not respond anymore so I disconnected the call. 
I am very concerned about my credit reports and my credit scores being adversely affected by the closure of a 7 year old account with Bloomingdale 's which was in perfect standing and for no reason of my own. Also, it seem peculiar that the gentleman in the Bloomingdale 's credit department would not respond after coming on the line and has not called me back to discuss the matter.
Product: Credit card or prepaid card

On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX  XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out. 

My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Santander to inform them of an impending storm and my inability to make the upcoming payment. I reached out again on XX/XX/XXXX to report the flooding caused by the storm, which resulted in two feet of water in my house. I explained that I was exploring payment options but could not provide one immediately due to the approaching storm, XXXX. Subsequently, I made a payment of {$930.00} on XX/XX/XXXX. However, I received a notification on XX/XX/XXXX indicating a 30-day late payment. Following this, I made additional payments of {$200.00} and {$930.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys is an old account that should no longer be reporting on my XXXX credit reports. 

This account is from 2013- it has reached its statute of limitations. The account was closed more than XXXX years ago.
Product: Credit reporting or other personal consumer reports

I spoke with a representative over the phone to address this issue, she was reluctant to assist me. I would like to have unauthorized hard inquires to be removed from my Experian credit report. These creditors didn't have permission to run my credit. I have now placed a lock on my credit report.
Product: Mortgage

I took a mortgage about 1.5 years ago and was told that when the mortgage reached 80 % loan to value that I could remove the mortgage insurance. The appraised value of the home that the mortgage was based off of was {$140000.00}. 80 % of {$140000.00} is {$110000.00} which we are extremely close to. I have intentions of making a principle payment to bring the balance below the {$110000.00} threshold. I put in a request to the bank for written conformation before I make the principle payment because I know how shady banks can be. Well to no surprise they are now trying to change what I was told and claim that the 80 % is based off the purchase price. I 'm sorry but I disagree. The value of the home is the appraised value that the loan was based off of not the loan amount. These were the terms I agreed to and I would like the bank to honor them or the contract is in default. I have documents from the bank stating PMI can be removed at 80 % of the original value of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called XXXX XXXX XXXX/PayPal. They even used an old address on the inquiry. I contacted XXXX  and they told me Id have to contact the company and they gave me the number of the company from report. Called the number and it was to PayPal Synconcy. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX  that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! PLEASE HELP ****** ******Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Upon review, we have determined your complaint is not against PayPal . Your issue is with Synchrony Bank, and therefore, we are unable to provide an adequate response to your complaint. Please be advised that PayPal Credit is a product offered by Synchrony Bank. As such, PayPal is unable to provide any further information on the PayPal Credit application. If you have any further questions regarding PayPal Credit, we suggest contacting PayPal Credit directly at XXXX or by mail at : Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX As you can see above I already contacted Synchony!!
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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX   XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.
Product: Credit reporting or other personal consumer reports

I went inside on XX/XX/2023 to make a cash deposit at the chase bank with a teller, the next day I received a notice she did a hard pull on my credit report without asking for my permission and costing me 3 points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, Pr XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, FL XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the 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 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.

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed