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

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiries Dear Experian, I am writing to formally dispute the accuracy of certain hard inquiries appearing on my Experian credit report. Upon reviewing my report, I have identified several inquiries that I do not recognize or authorize. These inquiries are negatively impacting my credit score and need to be verified or removed. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I kindly request that you investigate these inquiries. If these inquiries can not be verified as authorized by me, I ask that they be promptly removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and supporting documents for verification purposes, along with a copy of my credit report with the disputed inquiries highlighted. 

Please notify me in writing of the results of your investigation at your earliest convenience. If additional information is required, feel free to contact me directly. 

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

Sincerely,
Product: Credit card

The company involved is the CitiBank or Citi XXXX - related to my Citi XXXX credit card. 

I opened this account or credit card initially as a balance transfer. This account came with XXXX promotional period for purchases and for the balance transfer. My purchases promotion ended on XX/XX/year>, prior to that period my promotion ending my XX/XX/year> statement which was for the dates of XX/XX/XXXX thru XX/XX/XXXX, I had a small balance of {$110.00}. A payment of {$300.00} was made prior to this statement which resolved the {$110.00} and the remaining applied towards my balance transfer balance. 

Between XX/XX/XXXX and XX/XX/XXXX, i completed several purchases in the amount of {$1400.00}, prior to the closing on my payment due date of XX/XX/XXXX and closing date of XX/XX/XXXX. I made a payment in the amount of {$2500.00} on XX/XX/XXXX. Citi instead of applying the payment to the payments that would accrue interest, they applied the full balance towards the interest free balance transfer amount. Per the representatives Ive spoken with at Citi today and prior payments made would always go towards the due amount and then any overage goes towards the high interest amount. I called them to correct this on XX/XX/XXXX and XX/XX/XXXX and they continue to talk in circles even after telling me several stories on why the interest of {$39.00} now showing for my XXXX statement is correct. 

My XX/XX/XXXX payment due amount was {$65.00} I made a payment of {$2500.00}, they refused to refund the additional money as it was not correctly and they also have refused to properly allocate the funds to remove any outstanding purchase balances that would accrue interest. All transactions were completed within the billing dates and payment due date.
Product: Money transfer, virtual currency, or money service

Ive been sending money via Zelle through XXXX XXXX XXXX XXXX XXXX  for years
Product: Debt collection

Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I first checked my credit report, only to see All accounts that did not belong to me and personal information was incorrect too. I also contacted each creditor on my credit report to advised them that I am a victim of Identity theft and I requested that the inaccurate account be removed or deleted from my credit report.
Product: Debt collection

I had my bank account garnished 3 times adding up to over {$900.00}. Prior to receiving any information in regard to this debt. I called XXXX XXXX after I received my first notice of the debt. 
In violation of the Fair Debt Collection Act -I was not given details on the debt Enclosure documents - no address or Name of original creditor was not given -no instructions on to pay the debt -no record on when the debt was incurred -no proof account was sold Attorney/ staff informed me they didnt have to send me any paperwork because they sent it to the bank Im violation of Consumer Credit Protection Act Title lll My account was garnished to XXXX $ when this act states it should not take all my money to ensure basic living expenses are available bank statement In addition Michigan statute of limitations on collecting debts is 6 years I was told this debt is XXXX years old and it hasnt been kept active Over 10 years the last date is from XX/XX/2006 for action on this debt. My address is incorrect my name is spelled incorrectly. When speaking with the collector I told them this was not my bill. The last and first date I was XXXX XX/XX/XXXX, XXXXThese practices are in violation of the FDCPA 15 USC 1692 et seq unfair and abusive practices.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from U.S. Bank. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. Thank you. Regards All rights Reserved XXXX XXXX XXXX XXXX XXXX Without Prejudice
Product: Checking or savings account

XX/XX/2019 I contacted Capital One Banks corporate office in XXXX Delaware about an issue with my statement. I am old school at XXXX and do not want that information on my devices. They changed up the accounts with the old statement cutting off mid XXXX and the new one I received starting XX/XX/XXXX. I asked for an e-mail or hard copy of the missing transaction period and my request was denied because my husband is the primary. This is a joint checking account which was mine before we were married 37 years ago in XXXX. The bank has sold several times but at NO time did we designate a Primary account holder. If we had, it would have been me because my husband depends on me to take care of our finances. The point though is that this is discrimination. He was arbitrarily chosen because he is male. What if he died. I could not control my banking. Conversely, if I was primary and he died then he could not control finances. That is why people set up joint accounts as XXXX OR XXXX. Just because you have a new computer system does not mean you can make financial decisions for people. I do know that I could set up the account on line and have access but do not believe forcing people to expose themselves in this way is fair.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX inaction. 

On XX/XX/2024, I received a text message from my cousin XXXX XXXX ( XXXX ) Through his XXXX  account asking for money. I did not question that request because we had financial transactions before. 

So, I went ahead and sent the money to the email address he provided ( XXXX ) First name : XXXX, last name : XXXX. 
I contacted my cousin afterwards and learned that XXXX XXXX had highjacked his XXXX  account and was going around asking his relatives for money. He could not warn us since XXXX was requesting a two-way authentication through his number. He had to call them to get it resolved. 

I immediately contacted my bank TD Bank to ask them to stop the transaction. They told me that they will file a dispute on my behalf. I also got in touch with XXXX to let them know. 

I provided the screenshots of my conversation with XXXX pretending to be my cousin to both TD and XXXX, they did nothing to reimburse the money I lost due to their lack of due diligence in allowing scammers to take over their platforms. 
Here is my TD bank case number XXXX CASE : XXXX XXXX, by only requiring customers to use EMAILS to set up accounts is being part of the problem, why are they not requiring more identification checks before someone can receive money? 
I want to get my money back from XXXX XXXX who impersonated my cousin to defraud me of my money. 
I also want regulators to look at XXXX as a platform that is making it easier for scammers to steal from innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX or Transunion.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reached out to all 3 of the Credit Bureaus in regards to unauthorized and fraudulent credit inquiries made by various of companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 Oliphant USA , LLC furnished a collections account onto my XXXX credit report. Oliphant failed to contact me regarding the alleged debt before furnishing this information to XXXX. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. 

Oliphant did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. 

XXXX failed to properly investigate this and provide resolution. Instead, XXXX claimed that the account was verified as accurate.
Product: Debt collection

CDR originally contacted me XX/XX/XXXX requesting that I pay XXXX or complete a COVID19 form. The COVID19 form was completed as requested and then C.D.R. attempted to collect debt in the amount of {$5900.00} on XX/XX/XXXX.
Product: Student loan

i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them
Product: Payday loan, title loan, or personal loan

On XXXX I called Advance America to pay off my loan. They refused to take payment. The rep stated I refinanced the loan so I have to pay {$200.00} on XXXX and then {$1000.00} on XX/XX/2019. They took the {$200.00} out of my account already XXXX. The contract states that I can pay off early. To me it looks like they are trying to get an extra {$200.00} out of me.
Product: Checking or savings account

Klarna is a bank that should be put out of business!!! 
They have NO Customer service, they will not have a supervisor call me back!!! 
I have tried for TWO WEEKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Their website is broken, it wil not show the info that I need, that is why I need a call back. 
They have NO IDEA WHEN A SUPERVISOR WILL CALL ME BACK, AND HALF OF THEM DONT EVEN KNOW HOW TO GET A SUPERVISOR ON THE PHONE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}
Product: Checking or savings account

I was enrolled in Chase Sapphire Banking 's welcome promotion in XXXX. The term was 'Transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ' to earn XXXX Ultimate Rewards Points bonus. 

I transferred more than {$75000.00} ( through cash and investment account ) at the end of XXXX and maintained that balance more than 90 days till XXXX. During that process, I called multiple times before and after the deadline, to confirm that I am eligible for this bonus and was told I should just be patient with the points being deposited to my account in XXXX. 

I waited and waited and finally gave them another call in the beginning of XXXX, because I do not see the points being deposited. And was told that I didn't meet the requirement because my balance reached below {$75000.00} for one month. I asked for a internal dispute as I never moved money out of that account during that period. They promised to reach out within 5 business day with the result. As of XX/XX/2019, 10 business days later, I still have not heard from them. I am disappointed in the level of service provided by Chase but more importantly how they failed to honor their promise over and over again.
Product: Checking or savings account

Several deposits made where the money did not correlate with what should have been my funds. There were also unauthorized transactions that were taken from me with out my knowledge. Also transactions that caused over drafting when I was told I had this protection. 

Thank you- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I discovered an unknown unverified account from XXXX XXXXXXXX XXXX  # XXXX ( HIPPA ) MEDICAL. I have never had any business or service from this company yet they have an account on my credit file that is a violation of FDCPA and FCRA due to failure of notification.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX Fay Serving sent us paperwork to fill out for a deferment, which we did. 
The paperwork was mailed back, & we received a letter and a phone call we were approved for a loan modification the first week of XXXX. Our account never got updated for the deferment. Many e-mails/phone calls were made which they never returned. We had included a voided check to start taking money out of our bank account monthly & they never did. We started receiving past due notices in XXXX along with a letter that had new paperwork to fill out which was the same as the previous one. We sent them new paperwork even though they received the first set, and after several phone calls with messages & emails they didn't respond back. On XXXX first we sent once again a voided check along with our bank information for automatic payments with a copy of our paperwork which once again they never started taking out payments. Our account manager never returned our calls or e-mails. Going through the customer service line was the only was to talk to someone which they said they would forward to our account manager & said the paperwork must be in the mailroom & still no responses. The same thing happened in XX/XX/XXXX. We received new deferment paper for XX/XX/XXXX. Now due to no payment history we can't get a loan with a new company. We have attached a summery of events and paperwork copies. We have never had a company like Fay Serving that doesn't return phone calls & emails, as well as not moving forward with signed documents and voided checks that were submitted to monthly autopay.
Product: Mortgage

I was with Seterus Mortgage company and in XX/XX/XXXXand in XX/XX/XXXX I requested mortgage assistance sending in mortgage assistance documents. I was told on both occasions that I did not qualify for any type of assistance and that I needed to submit payment. On two occasions I wired funds and they were returned because they said it was not the full reinstatement amount. The week of XX/XX/XXXX I spoke with an agent and he said that I may qualify for a repayment plan since my hardship was over. He told me what I needed to do and that I would need to have at least half of the amount I was past due on hand. The next week I overnight a cashier 's check in the amount of {$6000.00} to them with the retention letter that he told me needed to be included. The next week I receive a letter stating that my mortgage was being sold to a company called Mr. Cooper effective XX/XX/XXXX. I called Seterus and asked would this have any impact on my repayment plan process and was assured that it would not. On that same day I received the cashier check back from Seterus. On XX/XX/XXXX I contacted Mr. Cooper and was told that they were considering a loan modification, because I could not be considered for a repayment plan because the mortgage had already gone into foreclosure. Seterus never discussed that with me. I learned on Friday, XX/XX/XXXX that I did not qualify for a loan modification because the loan has previously been modified 3 times. I only recall twice. I was told that I have until XX/XX/XXXX to come up with the reinstatement amount of XXXX. I only have the XXXX that Seterus returned. I feel that Seterus should have not made me think that I was about to be in a repayment plan and now Mr. Cooper won't even consider helping me unless I come up with the full amount in two weeks.
Product: Mortgage

SHELLPOINT Mortgage Servicing is a complete fraud and is trying to get our home through foreclosure. 
We have been trying to settle through the courts with Shellpoint mortgage and have spent XXXX of dollars in attorney costs and have gotten nowhere. 
THEY were sold our loan that was part of the illegal ROBO- SIGNING banks and now we are about to lose our house. 
We finally filled out a an application for the HAMP program - they approved us under HAMP 3 program were they promised to remove all penalties and past due amounts Our new Principle balance was to be $ XXXX When they approved us for the HAMP 3 program they just tacked on the all the penalties and interest and other fees on the back of the loan. 
When I asked them what happened to the Principle forgiveness on our loan they said that that is a HAMP 3 program and that they do not participate in that program They set us up on their HAMP 2 program, We were lied to. 
our loan amount to them is now $ XXXX our house is worth $ XXXX HELP! 
I have seen hundreds of similar complaints and lawsuits online against the predatory practices of SHELLPOINT MTG. and we are very worried that we are going to lose our house Is there a class action Govt lawsuit that we can join against them? 

Please advise ASAP Thank You for your time XXXX Fl XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,
Product: Checking or savings account

I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries XXXX XXXX and XXXX XXXX XXXX