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

I am writing to formally dispute several unauthorized and aged inquiries appearing on my Experian credit report. These inquiries were not authorized by me and are not connected to any account or service I have engaged with. Additionally, they are over 30 days old, which further necessitates their removal. I request the immediate removal of these inquiries from my credit report and an investigation into these unauthorized actions. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Checking or savings account

On XX/XX/XXXX {$5000.00} was withdrawn from my savings account without my authorization through online banking ( which I have never used ). The next day, on XX/XX/XXXX another {$5000.00} was withdrawn from my savings account and {$5000.00} was redeposited into my savings account. All transactions without my knowledge or authorization and coming from accounts completely unrecognized. On XX/XX/XXXX a letter was mailed out from Wells Fargo alerting me of their discovery of unusual activity or updates on my account in regards to the above transactions. After receiving this piece of mail I went to my local Wells Fargo branch as soon as possible on XX/XX/XXXX to find out what was going on with my accounts. During this visit to my local branch I was told there was fraudulent activity on my account and to create a new checking account because my old one was compromised. I ordered new checks, changed auto-pays to the new account, etc. I was also told I will be made whole in roughly XXXX business days by Wells Fargo personal banker XXXX XXXX. I returned to Wells Fargo for any updates on XX/XX/XXXX and was then told by personal banker XXXX XXXX that it was my savings account that was compromised not my checking account. I then proceeded to have a new savings account created and my old one closed. Furthermore being assured I will be made whole by the bank in roughly XXXX business days. After this, I received a letter mailed on XX/XX/XXXX from Wells Fargo stating our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Which is absolutely false. I then filed a police report on XX/XX/XXXX with a sworn in statement indicating that I did not make any of the above banking transactions. I then went to the local Wells Fargo branch on XX/XX/XXXX to dispute the letter I received in the mail and let them know I filed a police report. I was advised by the police to enquire with my bank on the location of the transaction and the time an online account was opened under my accounts. I was told by both personal bankers XXXX XXXX and XXXX XXXX that theyre unable to give me that information. I was told by them they were going to escalate my claim and try to have it reopened again. I then received a letter mailed on XX/XX/XXXX stating well respond within XXXX business days from the date you contacted us. in regards to my accounts.
Product: Credit card or prepaid card

I believe SYNCHRONY BANK violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SYNCHRONY BANK revoked my credit. Shown in exhibits.

I believe SYNCHRONY BANK is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SYNCHRONY BANK did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SYNCHRONY BANK violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XX/XX/XXXX. I believe SYNCHRONY BANK is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

This is my second affidavit of truth being served to Synchrony Bank my first affidavit has been ignored. File uploaded will include my first and second affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX, Transunion and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.
Product: Credit card or prepaid card

On XX/XX/21 I lost my Transact XXXX / Netspend XXXX paid debit card. I noticed my wallet missing that same evening and called customer service Immediately. I blocked my card and ordered a replacement card. Soon afterwards I discovered 4 unauthorized transactions on my account that occurred while my card was lost. The transactions were : XXXX {$1100.00} XXXX {$1100.00} Stop and shop {$360.00} XXXX {$150.00} I then filed a dispute ( XXXX ). Approximately 1 week letter I received a letter stating the bank was denying my claim. The denial letter stated " based on their investigation no error occurred ''. I have since then asked for the documentation they used to come to there decision. I have not received any documentation. I have written several letters and made several call to this banking institution and none of my inquiries have been answered. It has now been a year and I still have not gotten any answers nor my lost funds. I read about your organization on the web, will you be able to help me?
Product: Credit card

Reporting agencies equifax XXXX XXXX etc are in possession of stolen credit card information see 15 usc 1602 ; 15 usc 1692, absent knowledge. Consent or approval. I attempted to opt out but these companies are in violation of 15 usc 1681 c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the company to substantiate their claims regarding accounts information reporting in my credit report Since errors may be within the account record have asked that they forward such substantiation within 30 days. Additionally, include documentation which shows that the disputed accounts are not subsequently disputed as a result of returned or recalled consumer products during the period it may have been payable. I am not requesting an account review. In lieu of that, this is a requisition for a formal documentary review. If these requests can not be met within the established time period, account compilations sent from the furnisher it must be regarded as fallacious and may evidence their desire to abridge my federal rights. Given that outcome, kindly redact such credit bureau data soon. Thank you for assisting me
Product: Debt collection

Contacted Portfolio Recovery for validation of debt due to being sued by them for debt, all that I was sent was a letter stating the date they bought the debt and from who they bought it from with a copy of a billing statement. In the letter that was sent to them I asked to for proper validation such as signatures and a legal binding contract with their company and that was not provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX entered into a lease-purchase agreement with a minor child who is a distant relative in my name. They did not ask for my Identification or make any effort to contact me to verify that my information was authorized to be used in this transaction. They did not even check to see that a minor, XXXX XXXX had in fact signed under my printed name and that the initials didn't match my name. He was under the age of XXXX and in no way had the where with all to be a participant in this transaction. Clearly the initials and signature don't even match on this " executed '' lease-to-purchase agreement. This company violated my rights and has caused me grave financial consequences as I am in the process of purchasing a home and this has damaged my credit score because this company illegally entered into this contract.
Product: Debt collection

My problem is with the united collection bureau, and XXXX XXXX 's hospital of XXXX Massachusetts. Firstly I never received a bill. I had XXXX XXXX XXXX 's with my email to which I never received a bill I also never received a bill in the mail. I knew I had some kind of bill coming from them so I was watching out for it. I tried to contact XXXX XXXX to which I could not get a person who could assist me after being bounced around from person to person for XXXX minutes and then hung up on I tried to use their online payment option. Which was not possible as their website was broken ( I returned and tried more times and it never worked ). This was around XXXX of XXXX. I then forgot about it because I had no way to pay it. Later I received a call from a number not listed on the united collection bureau list of numbers, from a person who I could not understand as they were speaking broken English asking me to pay a medical bill, to which they could provide no detail about. I assumed this was a scam and told them so they hung up and I never received any further calls, which made me even more firm in my belief that it was a scam. Only to find months later that my credit had been affected. I searched for the collection agency and found multiple numbers, so I called and left a voicemail at least two times. They have yet to return my call although stating they would call me back the next business day. I have been trying to pay this bill for a very long time, I have tried on so many occasions to pay this bill and yet I am unable to and now it's affecting my credit. At this point I have spent well over 20 hours searching and trying to find a way to pay/ contact them and I am unable to.
Product: Debt collection

This company has a collection on my credit report that's not mine and they refuse to delete or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.
Product: Student loan

I have applied for the SAVE repayment plan for the student loans. I have not been able to contact anyone at Nelnet to confirm where my SAVE application is in the process. Even though my payments are due and the SAVE application is not processed, Nelnet does not have any one available to speak to on the phone nor do they respond to emails. I have called several times to no avail. Also, I have sent an email advising Nelnet to contact me to discuss or provide me any update regarding my application. There is no response. 

My loans are due and although my SAVE application was received on XX/XX/XXXX, there is no update to the application process. There is no way for me to even make the correct payment required because the SAVE application is not processed. 

Unfortunately, Nelnet is not able to provide the loan borrowers with the support needed.
Product: Credit card or prepaid card

In late XXXX or early XXXX, I made a flight booking through Citi Thank You travel for a XX/XX/XXXX flight for my husband and I from XXXX to XXXX for a total of {$2300.00}. Due to the pandemic, that flight was cancelled, and in fact, all flights from the XXXX to XXXX during XX/XX/XXXX were banned. As a result, I was left with XXXX XXXX XXXX for {$2300.00}. 

I called Citi Thank You on XX/XX/XXXX to use part of my travel credit towards a new {$120.00} flight. I was told by a Citi Thank You representative that if I booked this new flight, then I would forfeit the rest of the $ XXXX of the travel credit, which apparently is standard protocol and information that is in the fine print that Citi Thank You gave to me when my flight was cancelled and I agreed to take on the travel credit ( keeping in mind that there was no other option but to take the travel credit, or just forfeit the entirety of the value of the tickets -- which is really no option at all. ) I have similar travel credit with XXXX resulting from a covid-flight cancellation ( in which the airline cancelled the flight, I did not personally cancel my ticket out of whim ) -- and they, reasonably, allow people to apply any portion of their travel credit to future flights until an individual has used up their travel credit. 

This is an absurd situation, especially because XXXX itself allows consumers to apply travel credit to multiple trips ( from XXXX 's website, XXXX XXXX XXXX XXXX  " If the face amount of a travel certificate exceeds the cost of the ticket for which it is surrendered, any residual amount will be applied to the same PIN for use toward another ticket until either the original issued amount is depleted, or the expiration date has been reached, whichever comes first. " ). Citi ought to be ashamed of its actions and the roundabout channels that it's forcing consumers to take in order to use their travel credit from a very unexpected and horrible pandemic. It is exploiting its consumers by, I anticipate, taking the remainder of the travel credit for itself and/or forcing consumers to purchase tickets that exceed the value of the original travel booking so consumers can actually use the entirety of their travel credit in order for Citi travel to earn an extra dime as a " travel agency ''. 

I stated my complaint on the call with the representative and asked for the situation to be escalated. She stated that there was no one she would be able to transfer my compliant to, nor was she able to give me an email address or phone number in which to file a complaint with Citi. She said she could take a call back number from me so someone could call within 5-7 business days to take my complaint. This is unacceptable that there are not even vocal or electronic complaint channels that are immediately available. If they are trying to hide behind procedural and dragging on the time and difficulty of reporting something so asinine, that is even worse.
Product: Debt collection

I am currently outside of the country right now, which is why I am not able to go in person to the Bank of America branch to speak to them directly. However, on the phone they are no help. It seems like we get to a dead end each time. This is what happened. 

Back in XXXX, I was checking my email, when I saw my " sent '' outbox included an email to XXXX customer support. It said to change my phone number associated with that account. However, I never sent that email. Someone hacked into my email, and was able to gain access to my XXXX brokerage account and change my password and phone numbers associated with the accounts. From there, the hacker proceeded to withdraw {$16000.00} from my bank account, which was linked to my bank of america checkings account. This was done over the span of 4 months, starting in XXXX. I never noticed the funds being removed from my account, as they were done over time. I only caught it after I saw that email on XXXX XXXX, 2021. I have started a fraud claim with my bank, and have contacted XXXX  to shut down my brokerage account completley. My checkings account is also frozen, as I requested it after this incident. I have not authorized a transfer of funds to XXXX since XXXX of 2021. 

The bank refunded me a temporary credit. As it was fraud, I trusted in the bank 's abilities to handle it with the merchant, XXXX. However, XXXX was uncooperative and their " results '' yielded nothing. Months later, in XXXX, Bank of America wants me to return the money THAT WAS STOLEN FROM ME back to them. I am insured up to {$100000.00} in Bank of America 's debit card/account system. So they locked my accounts, set me to - $ XXXX and told me to pay up or else they would give my info to a debt collector. I tried to talk to them on the phone and explain that it was FRAUD and my money the money they credited me has already been used. Not only is this wrong. It will negatively affect my credit score, and I have a debt collector contacting me now. I also do not have any money to pay them back for the money that was stolen from me. It should not have been a disputed claim. It should have been directly FRAUD. I want the debts removed. They have already closed my account with them. I also field an Internet File complain center report, as the hacker 's IP, phone number, as well as the emails he or she had with XXXX to allow them to get access to my account are all in the file. XXXX has been usless. So the bank thinks i owe them now. I contacted XXXX. Inconclusive.
Product: Credit card or prepaid card

On XX/XX/2022 at approximately XXXX XXXX I applied for a credit card with PenFed because I met the requirements to apply. Upon submitting the application, I was instantly denied due to what can only be described as discrimination. My income is high and my housing expense is low so there is no valid reason for the denial. 

When I called the customer service department at XXXX to inquire, I was told that my credit card utilization was too high and my credit age was too young and that even if I had access to higher lines of credit, it's possible for me to use all of the credit and that's why my application was denied. 

Under the XXXX, a potential creditor does not have the right to deny an applicant that applied in good faith effort due to discrimination. This is not the first time I have been denied any lines of credit from this organization as I have XXXX inquiries that are listed on my credit report and only XXXX that was authorized by myself. But PenFed refused to reconsider or remove the inquiry I did not authorize.
Product: Checking or savings account

I have been aware of the odd practices of Navy Federal Credit Union, and have been victimized by their predatory overdraft fees, My accounts transactions are rearranged in a way that ALWAYS prevents me from knowing my true available balance. Keeping money in your savings disregards that! This credit union preys on XXXX Americans, and XXXX veterans squeezing our hard earned money from us through over draft fees and the days withholding of my person funds and creating an overdraft scenario, this cant be legal? For me personally my transaction history is never updated timely, but taking a week or more to process purchases and then draining my account after, then charging me {$29.00} repeatedly isnt just, and has happened to me multiple times. Also Navy federal deletes old messages so my instances I thought I could provided have since been deleted. Wonderful.
Product: Mortgage

I normally pay my monthly mortgage to Nationstar online through an email link. This month the link did not work. I XXXX the web address. The website required that I submit my zip code and full social security number. I did not submit the full social security number because I was concerned about identity theft, and called the company to question as to whether they had been hacked. They had not. It is their policy because they have a new website to verify the full social security. I have seen companies verify only the last XXXX not the full social security and explained that to them. They have a total disregard for their customer security, asking for a full social security number online. I will not provide that and so now I am unable to use their online payment system.