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

Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
XXXX  Account # 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 XXXXXXXX, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a letter from my insurance company that credit check from lexis nexis adversly affected my rates attempted to get the report for over two months now twice they have said its in the mail its not
Product: Debt collection

Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.
Product: Debt collection

There is a collection agency mark on my credit for an unpaid medical copayment. The medical payment should have been sent to my health  insurance and billed to me or notified me or collected payment at time of services rendered for copay as shown on my insurance card. My health insurance is XXXX XXXX XXXX XXXX ID : XXXX. 

This is in relation to an emergency room visit that took place in XXXX. 

For clarification, this company did not contact me - I noticed it on my credit report while checking it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may con cern, I mailed a M ultiple Inquiry Removal Letter o n   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my  XXXX  report,  XXXX  hard inquiries on my  XXXX  report and  XXXX  hard inquiries on my Transunion report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules , FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, TRANSUNION, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT XXXX XXXX XXXX XXXX  XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit card or prepaid card

I received a gift card for {$100.00}. Upon activation, the funds were used in another state. I contacted the company XXXX/Vanilla Visa for assistance and they said for me to complete a fraud dispute. I completed their form, submitted the requested information on XX/XX/22 and they indicated it would take 90 days to complete the investigation. I have made several attempts via telephone/email to get an update and/or response regarding my request and the company has not responded.
Product: Bank account or service

I deposited a check for {$16.00} from reputed company. My balance at the time with discover bank was {$3600.00} +. The check was returned due to funds availability. My bank froze my account without informing me. I found that account was blocked, called customer service, directed to different number. Called the different number and they unblocked the account. I was told Bill Pay check supposed to be out on XX/XX/XXXX ( Electricity Payment ) was not sent out. I could not verify as my Bill Payment rights were blocked again. I went and paid through my other bank account but found Discover sent the check through bill pay but did not honor it though I had more than sufficient amount in the account. Now, I am hit with NSF fees by my electricity provider.
Product: Credit card

Just filed this complaint with the FTC : I went to XXXX to purchase a plane ticket. They offered a {$200.00} statement credit upon approval for a Southwest credit card. I applied and got a message that they need to contact me to verify who I am. After waiting hours I did not receive a call but had to buy the ticket or possibly lose the price. A day later I got a call and upon answering their questions he said I was approved for {$6500.00} credit line. I asked about getting the {$200.00} credit and he assured me that I would get it on my statement, the delay was just for security reasons. 

My statement came and there was no {$200.00} credit. I called customer service to complain and was told that I am entitled to the {$200.00} credit but because I didnt use the card to pay for the airline ticket I would have to make a purchase, any purchase, and the {$200.00} credit would appear immediately. 

I made three purchases and waited until after they went from pending to charged and no credit appeared so I called customer service again. After explaining this whole scenario again I was referred to someone else and had to explain it all again and I told her if they are not going to give me the {$200.00} credit I was promised by three people I talked to on the phone I want the account closed and the annual fee reversed. After waiting a while she came back to me and told me she was closing the account and reversing the fee. As of today, the same day, the fee has not been reversed and Im not paying the charges until it is because I have no reason to believe anything they say to me. 

I asked to speak to her supervisor and reiterated the whole scenario including closing my card. She asked no questions, seemed to just want to get rid of me by offering me to file a complaint. She would not do anything to even lol into giving me the credit I was promised by three of her CS agents. 

This has cost me time, aggravation, and an unnecessary intrusion into my credit record and all due to their falsely advertised CC promotion not to mention they repeatedly lied to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Product: Checking or savings account

My account had a restaurant charge on my debit card.  However, I did not realize the restaurant did not put in the tip amount.  So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX  overage.
Product: Debt collection

I was just contacted today about my account via phone with a message left by Alliant Capital Management that I need to return their call. A short while later they contacted a third party who is of no relation to me, not tied to the account, not an employer, and in no way knowledgeable on my account and left a message stating a call needed to be returned to them. 

I have given them no information in regards to other parties. Im aware of my rights and that it is against the law by the XXXX for them to call third parties, leave a message, and demand a call back.
Product: Checking or savings account

On XX/XX/2019, Chase cashed a persona check that was dated on XX/XX/2019 early. This resulted in an insufficient funds fee of {$34.00} for that transacition. 

Additionally, despite checking my account balances on XX/XX/2019 to ensure I had sufficient funds for the purchases and transactions, Chase has charged an additional four, separate {$34.00} fees for insufficent funds. I would have been unable to make these transactions if I was overdrawn so it is not clear how I had insufficient funds.Without these fees, I would not have needed to overdraw for future transactions which have also been penalized by two, separate {$34.00} insufficient funds fees. 

The total if fees to date has been {$230.00} dollars and it appears another {$34.00} will be charged on XX/XX/2019. 

Chase routinely back dates transactions allowing them to collect the fees although funds are available at the time of the purchase.
Product: Student loan

AES/PHEAA recently closed a complaint where they made false accusations against me that they blocked my chat capabilities because they claim that I engaged in " Inappropriate behavior ''. AES/PHEAA has fabricated this and lied. The reality is that their employee was engaging in Inappropriate behavior because they blocked me for asking questions. Why would their Agency unblock me and submit a grievance against the employee if they did not feel it was the fault of that Chat Agent? Whoever responded to this last complaint will also be getting a complaint against them as a result of the false statements made against me. I will also be reaching back out to the Inspector General with a copy of these complaints. I'll be requesting that the IG traces the responder and issue corrective action as a result of this response. The previous response was not appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX ) XX/XX/year> This is a hard inquiry from a company that i did not authorize access to my personal information
Product: Credit card

I have been trying to settle some late fees from my Sunoco Credit Card, that I believe were charged erroneously and unfairly. I have been a cardholder for many years and have paid my bills regularly and stayed in good standing. Recently my wife and I changed our payment method from sending checks in the mail to paying online, through our bank XXXX XXXX. When I pay my bills online through our bank, the bank and company we are paying process the bill in 1 business day. Sunoco takes at least 7 business days, sometimes longer. I have paid my bills electronically before the due date, but because of the long processing time ( only experienced with Sunoco 's Credit Card ) makes them receive the payment late, and I get charged a late fee ( exorbitant -- starting at {$29.00} ). I have called Sunoco ( and Citi, who handles the payments, I understand ) to dispute this, saying that I have paid for the goods and services ( in this case, gasoline ) on time and am arguing the fairness of charging a late fee to a customer who is paying them before the due date, and their processing time is making the payment late. I am now receiving bills charging late fees on top of the original late fee, even though I have called them numerous times, and spoken to supervisors. The recent bill, dated XX/XX/XXXX, is now up to {$110.00}, which is all late fees. I have paid Sunoco for all the gas we have consumed. In the process of speaking with them on the phone on XX/XX/XXXX, I asked for our Sunoco Card Account to be cancelled, as we prefer not to do business with a company that is punitive, unreasonable, and delinquent in processing payments in a timely manner. The ID number of the gentleman I last spoke with about this matter on XX/XX/XXXX is # XXXX. I wanted to lodge a complaint and a dispute about the recurring late fees on top of late fees, but he would not agree to do that. I am now receiving threatening letters ( sent on XX/XX/XXXX ) from Citi Cards about my debt to Sunoco. The XXXX bill was paid on XX/XX/XXXX and processed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report, I found inquires that were not authorized : 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
Product: Debt collection

I have been monitoring starting date of XX/XX/year>, my credit report due to data breaches. I noticed a collection from XXXX XXXX I did not notice. I have contacted all three credit bureaus. The company agreed and removed the collection from my credit report then they later on added the account back. I have attached proof.
Product: Mortgage

I am trying to have PMI removed from my mortgage. I have done substantial upgrades to my home ( more than {$80000.00} ). This includes a full new kitchen, updated bathrooms, new flooring, new electrical, etc. I've been told by them : * These didn't qualify ( even though they initially accepted them ) * That they wouldn't honor my original loan documents * They have already taken money to assess the property, now they won't assess and won't refund my payment.
Product: Checking or savings account

I opened an account with Truist bank a week ago. I needed money in my account immediately to pay my bills. So, because my mom was connected to my old bank account with XXXX XXXX XXXXXXXX, she was able to transfer all of my money to her account then XXXX it to my new account with Truist, it was roughly {$18000.00} that was being transferred to my account.Truist saw it as fraud instead of asking me about the transfers even though I had all the proof that it was correct and it was my money being transferred into my new account. Instead they just closed it without any notice at all and any explanation really I just came to the conclusion it was the XXXX transfers because thats the only thing thats happens with this account because it was new and I was still waiting for my card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company REGIONAL ACC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$19000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

My brother passed away and I took over the home. The default in XXXX, XXXX resulted from my loss. I have sent my application and paystubs to my lender. I then called my lender today, XX/XX/XXXX and I was told that I was not under review. I was told that in order to be reviewed I had to speak to my assigned representative. I was told I had to make an appointment to speak to him and could not be transferred today. The first appointment available to me was XX/XX/XXXX between XXXX XXXX. The court has set a non jury trial for my foreclosure case on XX/XX/XXXX. Due to having to wait until the day of my court date to begin a review makes me unable to try to resolve my issue before I XXXX be issued a sale date. I would like a fair review to begin as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unjustified Closure of My Cash App Account Dear Sir or Madam, I am writing to file a formal complaint against Cash App ( a service provided by Block Inc. ) regarding the unjustified closure of my account. Cash App recently closed my account and stated that I had violated their Terms of Service. However, they failed to provide any specific explanation or details about the alleged violation. Instead, I received a generic, copy-and-paste email with no actionable information or opportunity for appeal. 

Account Details : Cash App Account Email : XXXX Last XXXX Digits of Linked Debit Card : XXXX Last XXXX Digits of Linked Bank Account : XXXX I opened my Cash App account on XX/XX/year>, to conveniently receive and send funds. Shortly after opening the account, I received XXXX small transactions from family members XXXX XXXX XXXX XXXX XXXX ) as XXXX gifts. These were the only transactions conducted on the account, and I am certain that I did not violate any rules, policies, or terms of service. 

Despite this, my account was abruptly closed without any transparent explanation or process for resolution. I have reached out to Cash Apps support team, but my concerns were not addressed, as their responses appear to be automated, with no indication that a human reviewed my case. This lack of transparency and accountability has caused significant inconvenience and frustration. 

I would like to formally request that the CFPB investigate this matter. Specifically, I ask for : A detailed explanation from Cash App regarding the alleged violation of their Terms of Service. 
A real human review of my account to determine if the closure was justified. 
Reinstatement of my account if it is determined that no violation occurred. 
The actions of Cash App and their refusal to provide meaningful assistance are not only unfair but also a violation of customer rights. As a financial service provider, Cash App has a responsibility to ensure that their processes are transparent, accurate, and fair, particularly when they involve closing accounts and restricting access to funds. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

Sincerely,
Product: Debt collection

Repeated calls from this debt company with different numbers. Back to back calls with rude tone. Checked email and found attached letter. I do not owe debt to XXXX XXXXXXXX as stated on the letter. According to the email this so called debt is over XXXX years old and the attempt is now being made in a false debt.
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 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 XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.