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

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - EQUIFAX Inquiry by XXXX XXXX on XXXX XXXX- EQUIFAX I have made several attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an item on my credit report, as it appears to contain inaccurate information. Below are the details of the disputed item : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$270.00} Upon reviewing my credit report, I noticed inaccuracies in how this account is being reported. Specifically : Inconsistent Reporting History : The account is listed as a collection account with a balance of {$270.00} past due as of XX/XX/year>. However, the payment history reflects a collection status for dates prior to the date the balance was updated. This inconsistency suggests potential errors in the reporting timeline. 

Joint Account Discrepancy : The account is reported as a joint responsibility with XXXX XXXX. I have no recollection or documentation of opening a joint account with this individual. This raises concerns about the accuracy of the reporting. 

Validation of Debt : I have not received proper validation or documentation from XXXX XXXX to substantiate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), the creditor is required to validate the debt before reporting it to credit bureaus. 

I am requesting that you investigate this account and verify its accuracy with the creditor. If the creditor can not provide sufficient evidence to validate the debt and confirm the details reported, I request that this account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter. Please complete the investigation and notify me of your findings within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

What a misleading scam. I was " pre-approved '' with " outstanding '' odds of approval. I applied and submitted all sorts of documentation. Problem is they didn't even tell me that I was now applying for a " secured loan. '' The loan I applied and was pre-approved for was a non secured loan. They never got received my permission to move forward with an application for a secured loan. I would never have even submitted to a credit check for a secured loan. I consider this bait and switch, fraud and I'm filing banking complaints and a XXXX  complaint. This is not the way to conduct business.
Product: Checking or savings account

My personal bank account with BB & T became overdrawn as a result of automatic debits. I attempted to login to my bank account to stop those. The bank had removed the ability for me - the client - to stop those without notifying me. I contacted the phone service with the bank after futilely searching online. By the time I did, the fees went through the roof. I met with bank employees and they were not able to reverse the fees. Now the bank has closed the personal account and taken money from a business account with the same bank. The bank has made it impossible for the client to manage overdrafts online. It appears to be a scam to simply charge outrageous fees.
Product: Vehicle loan or lease

This issue has to do with the excise tax on the loan. There was a balance of {$35.00} for the excise tax which I was unaware of for several months. XXXX has informed me not to pay the excise tax bill until the abatement went through. The balance of the abatement and excise tax bill was {$35.00} and I never received a new bill informing that this {$35.00} balance was due. Instead of calling me or informing me of this balance XXXX quietly reported me delinquent for a {$35.00} dollar balance on the entire lease amount for the loan which caused my credit score to drop. These delinquent payments should be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Creditor Name/Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Creditor/date of inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Business and Professional Services is reporting a debt in collections to the credit bureaus. This debt was discovered during a review of credit reports in XXXX. They were written and asked for full validation under the Fair Debt Collection Practices Act. They refused saying the request was " untimely ''
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?
Product: Credit card

Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much.
Product: Debt collection

On XX/XX/2021, I went to the emergency room at XXXX XXXX, 100 % of the bill was covered by my insurance company, XXXX XXXX XXXX XXXX, including all imaging and all department involved in the emeregency. But Grant and Weber send me a notice of collection from XXXX XXXX XXXX for the amount of {$380.00}. 

I disputed the amount before XX/XX/XXXX by sending an email to Grant and Weber as I was indicated, I expressed that all expenses from XX/XX/XXXX were covered by my insurance. so they should have stopped collection or any amount I disputed until they send my information that shows I own the debt, which they NEVER did. 

I called XXXX XXXX and they told me that I owned nothing. ( see attachments ). and my balance is {$0.00} as all the bill was picked by my insurance company and paid in full. 

Regardless Grant and Weber reported to the credit bureaus and every month they charge interest. And they are reporting to bureaus as missing payments every month instead of a collection. So my credit is dramatically hurt every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS violated my rights.

15 USCsection 602a states i have the right to privacy & 15USC 1681 Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions.
Product: Other financial service

I enrolled in National Budget Planners of South Florida debt consolidation program ( aka : XXXX ) a couple of years ago and paid {$300.00} to get started in this program. I paid {$59.00} dollars per month for approximately 2 years, thinking that their service was helping me consolidate my loans into XXXX payment of {$59.00} dollars per month. But I found out later that they were taking my money and not doing anything to help me consolidate my loans. This got my loans into a deliquency status. Also, I am a vulnerable adult with XXXX and XXXX. I feel like they took advantage of me and that my loans went into deliquency because of this. Also, my recent credit report shows that I lived at their company address in XXXX, XXXX, which is incorrect, as I live in XXXX, XXXX and never lived in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting two accounts some company by the name of XXXX XXXX which indicates they are student loans. This never showed up the entire time I have been working on my credit until XX/XX/XXXX yet both accounts indicate they opened XX/XX/XXXX so why wouldn't they show up before now if they truly were mine? I never took out any type of loan with this company.
Product: Debt collection

On XX/XX/year> I sent this company Datamax a letter asking for full verification of how they received my info and proof of contract that I owed them any money with the time limit of 30 days. Its XX/XX/year> and they have chosen to ignore my mail- that they received ( sent certified )- and are still reporting erroneous debts on my credit report!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Debt collection

They dont send mailings, however, I have disputed servers l times, in fact this was t always on my credit as it states. Now its showing in collections and scheduled to be removed in XXXX. This should have NEVER made it to my credit report as I am sure no creditor was forwarded proper information, the card has no proof of usage. This is wrong and due to one collection I cant get help to bury my daughter, I cant rent a place on my own, I am a XXXX XXXX in the XXXX XXXX  I work hard, I pay my bills, but, cant secure a place for my child and I. 

There are other items showing negative on my account that were paid and should be showing as paid with a positive standing XXXX XXXX, which will be another request, but, this is wrong. I have no one else to turn to and I need help fast
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau on several occasions and made them aware. 
The credit bureaus instructed me to come here to file my dispute before they could remove.
Product: Debt collection

I have not done business with " NATIONAL CREDIT ADJU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' before. I see addresses and other accounts I had to get removed because of my old maiden name. This {$310.00} is not mine.
Product: Payday loan, title loan, or personal loan

I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent. 

As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.
Product: Checking or savings account

I opened a new checking account with Chase online in XX/XX/2020 and did an electronic transfer for {$2000.00} from my XXXX checking account. They collected the funds then immediately froze my account for suspected fraud. They did not notify me of this but they gladly kept my money. I have had a relationship with Chase and a Chase credit card for years with a valid online ID which got frozen. I could no longer access any of my accounts. My money was gone and I could not get it back. When I called Chase they refused to send me a refund of my money and would not let me send in identification to show this was a valid account and their bogus {$200.00} new account offer was forfeited. Four months later I was advised I have to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this causes hardship hardship on me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but would not give me my money. They told me at the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and is a total dumpster fire and should be fined for their poor business practices.
Product: Credit card or prepaid card

I was approved for a XXXX credit card ( through Comenity LLC ) on XX/XX/2020. I applied because of a sofa purchase I was making on XXXX. There was a delay in receiving the sofa, so I was charged for it as a promotional purchase on XX/XX/2020. I was charged {$2200.00}, but XXXX credited me {$330.00} due to a shipping issue. Therefore, my balance was {$1800.00}, significantly over the 12-month interest-free promotional plan purchase minimum of {$700.00}. 

My first payment was due in XXXX XXXX paid on XX/XX/XXXX ). When I went to make my second payment on XX/XX/XXXX, I noticed that they had set me up with a 6-month no-interest promo plan. I called them and the representative logged my dispute. I called today to check on it and was told they sent me a letter today denying my dispute because customers only have 70 days to make a change to their promotional plan. 

This is a bait and switch tactic. They either made a mistake or intentionly put me on the 6-month interest-free promo. It is clearly an effort on their part to increase their revenue through interest earnings. 

I only applied for this card and purchased this sofa through XXXX/Comenity because of the promotional deal. I should get what I applied for and what is applicable to my purchase. 

I am awaiting the letter of their decline of my dispute.I have included the benefit detail that was provided when I was approved, a screenshot of my transaction history, and a screenshot of the promotional plan they are showing in my account and the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX  XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy