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

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section XXXX, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : XXXX XXXX XXXX, inquiries that can not be verified must be deleted. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires reported data to be accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries that XXXX be related to identity theft. 


Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's XXXX purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Mortgage

My daughter and I -- as joint owners of a condominium at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , loan #  XXXX  -- applied for refinancing of the condominium with  Bank of America  in late   XXXX   XXXX   XXXX  . We applied with loan office  XXXX   XXXX ,  XXXX  ID  XXXX , (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Ca  XXXX .  Bank of America  led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00}  ( by cre dit card on  XX/XX/XXXX  ) for them to obtain our credit scores and an appraisal of the condominium by an  appraiser obta ined by them, and after we 'd paid an additional {$15 0.00} ( by check  on  XX/XX/XXXX  ) -- at  Bank of America 's  request -- to condo management to supply master insurance policy and answer the bank 's lender questionnaire, the bank informed us that they did not ( re ) finance condominiums in our building. They also informed us that they 'd denied a mortgage loan to another resident in our building in  XXXX  for the same reason. We were completely unaware that B of A had denied any resident in our building financing or refinancing. From the beginning, we had a reasonable expectation that the refinance loan would be approved by B of A, since they originally financed our condominium in   XXXX   and held the papers on it until the latter part of  XXXX . Yet, they guided us through a costly and time-consuming application process, in which we were required to fill out voluminous paperwork and pay out personal monies, only to inform us that we were not eligible for refinancing by their bank.   Bank  of America kn ew or should have known from the beginning that they had established a business practice whereby they did NOT offer mortgage loans to units in our building. In addition to that, the bank should have required its Condo/Co-Op  Project Review Specialist to review our unit and building before, and not after, it required us to  pay out sums of money in order to proceed with the bank 's application process.     I have attached a list of instances, in which we have communicated with Bank  of Ame  rica, only to be totally ignored. I called in   XXXX   XXXX   and was directed to   XXXX   XXXX  , who is no longe r a loan office and no longer has an NMLS ID and could not help me. I mailed  XXXX   XXXX  's  manager th e same attachments I sent on   XXXX   XXXX   XXXX  , called him several times since then, and have received no response, even though his answering machine says he would respond  in 24 hou rs.
Product: Checking or savings account

Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 active accounts with XXXX, I make payments on all of them each month for the past 2 years. On XX/XX/XXXX XXXX XXXX  obtained a copy of my credit report without my permission or knowledge. I am currently disputing the 30-day late payment with XXXX XXXX that they reported to all 3 major credit burrows, during the complaint and being aware that I am purchasing a house and I am in an escrow, XXXX XXXX put a hard credit inquiry on my Experian credit report. XXXX actions completely destroyed any chances that I had of getting a mortgage loan. 

Plese, find attached a screenshot from my Experian account showing date of credit inquiry and creditors name. 

I want this to be taking care of as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading information on my credit report, despite my numerous efforts to have it corrected. The existence of these erroneous entries has severely impacted my life, causing significant stress and anxiety. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this fraudulent information associated with my name and credit file.
Product: Credit reporting or other personal consumer reports

I pull my credit report every year and for the last XXXX years going on 3 years I have noticed some things that's not accurate within my credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy or information concerning XXXX about whom the report relates. These accounts XXXX XXXX  & XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX & XXXX Are not mines I have never open accounts I have sent a letter every 30 days asking them to reinvestigate the accounts listed above I also included FTC Report but TransUnion credit services is XXXX it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification. 
Can you look into this problem
Product: Debt collection

In XX/XX/XXXX XXXX  claimed a debt was owed to them - in XX/XX/XXXX this account was filed as identity theft and removed from my record. Convergent Outsourcing, a debt collector, is reporting this account on my credit report. I have informed them this account does not belong to me. I have informed them this account was the result of identity theft. They refuse to remove the account from my credit reports. They are still attempting to collect on this fraudulent account. 
I requested validation of their claim on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They replied with statements of an account which is not mine. They failed to show any proof that the debt belongs to me. I requested any documentation showing my signature on the account - they provided a falsified contract with no signature from me, only a blank area where a signature should be. 
I informed them they are not only illegally attempting to collect on a fraudulent account but also reporting illegally to the bureaus under their own name as opposed to the name of the original creditor in violation of Mass General Laws : o940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization I have informed Convergent of these issues three times via certified mail. They have failed to comply with federal or state debt collection regulations.
Product: Credit card or prepaid card

I purchased an engagement ring and wedding bands from XXXX XXXX on XX/XX/XXXX. This purchase was made over the phone by and between me and a sales representative at XXXX XXXX at their online store. My plan was to pay for the total purchase of {$10000.00} with my own funds by using my debit card, however the sales representative asked me if I was interested in applying for a XXXX XXXX credit card with either option at ( i ) zero interest rate for a period of one year or ( ii ) a lower rate at 9.99 % APR for a period of 60 months. I was hesitant to apply for this credit, but the idea of zero percent interest for a year was appealing especially as we had a wedding coming up and related expenses. I did have sufficient funds to pay for the entire purchase, but I opted to apply for the credit card and agreed to pay it within one year at zero percent interest. On XX/XX/XXXX I received the XXXX XXXX- XXXX  credit card statement and noticed that there were added interest charges in the amount of {$1800.00} on my balance of {$1500.00} and I immediately called XXXX XXXX to speak with a supervisor to question the interest charges. I thought this was a mistake and couldn't understand how {$1800.00} was computed on such a low balance. I was told that the charges represented a years worth of accrued interest. I explained that I expect to see interest charges on the balance of {$1500.00} and didnt even know at what the interest rate these charges would be. I immediately paid the {$1500.00} balance and ask the Bank to either waive the {$1800.00} interest since I was only month out of the promotional period or reduced to interest to be a charge on only the balance of {$1500.00} and not the original charge of {$10000.00}. 

I dispute the {$1800.00} interest at 29.99 %. I believe that the representation made over the phone the day I purchased the rings was misleading. The Bank 's practices of offering a promotion at zero percent and to than charge accrued interest for an entire year while all along the bank has {$8600.00} of my money seems illegal and an unfair practice. How can I be charged interest on money that I gave to the financial institution and its in its possession for the past year? 

All I have are copies of monthly credit card statements and though the last statement states that Minimum payment amount by the Payment Due date shown on this statement, to avoid accrued interest charges. The " accrued interest charges '' isn't clear that I would be charged accrued interest on the remaining balance ( {$1500.00} ) or on the original balance of {$10000.00} at 29.99 percent.

Thank you.
Product: Debt collection

I ordered furniture from XXXX XXXX but never received the merchandise. The order was cancelled but the shipper did not immediately return the merchandise to XXXX XXXX so there was interest accrued on the credit card. When I spoke with XXXX XXXX their rep said that I would be credited for both the merchandise and the interest. They credited the merchandise, but not the interest. When I called back they were supposed to check on that and get back to me, but they never did. Eventually they sold the debt to a collection agency who continues to attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/2021.
Product: Credit reporting or other personal consumer reports

My account was affected by a data breach due to XXXX, XXXX, TransUnion,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. XXXX and transunion still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : 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 The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Checking or savings account

In XXXX of XXXX  I deposited {$1600.00} into my rep payee account ( via outside atm ) I withdrew {$400.00} came back approximately 2-4 days later and only had {$200.00}. I filed a claim for unrecognized charges over the phone, requested my statements, and was told it could take up to 90 days for the issue to be resolved. Until then I was promised a temporary credit for the {$1000.00} WHICH I NEVER RECEIVED. I noticed several other churches, was given the credit and had to order another card. It is XXXX and I discovered the claim was given to a representative who apparently failed to file it. Each time I followed up on the claim I was told " it is still under investigation '' NEVER GIVEN THE TEMPORARY CREDIT. I received a letter last week stating I was out of the claim frame so I'm not voting to get my money. I made no less than 5 contacts with representatives who said it was being investigated. Today " XXXX '' tells me it was HIM that has been filing the claims and I didn't file until XX/XX/2024 for my money missing in XXXX. Chase doesn't take claims outside of 60 days so why did a corporate person ( he claims to be corporate ) take the claim? Answer? : He didn't take the ORIGINAL CLAIM. I was transferred to him ( because of the AMOUNT. " XXXX '' WHO YELLED, BULLIED, OVERTALKED ME AND EVENTUALLY HUNG UP IN MY FACE for describing the technicians voice who took the claim. He lied and I want my money. I spoke with the representative that told me " Don't worry '' my funds ate " FDIC '' INSURED. I WANT MY MONEY BACK. CHASE DOESN'T KNOW WHERE IT WENT. I DONT EITHER. What is fdic insurance if your representative discriminated and lies to keep me from getting my money as promised ( FDIC INSURED ) I READ THE FINE PRINT. XXXX YELLED AT ME AND HUNG UP IN MY FACE AND REFUSED TO GIVE ME ANY OTHER EXTENSION. XXXX MADE THE DECISION. XXXX SAID HE WAS THE HIGHEST MANAGER. I DONT BELIEVE THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries in my credit report that I would like to be removed, because it was not me.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX last year someone was taking money from my account. I kept reporting it and trying to dispute it but the app wouldnt let me get ahold of a customer representative. So I kept disputing the charges and then they gave me a number to call and they would ask me for information.
Product: Credit reporting or other personal consumer reports

I called to tell them that keep billing me in the person is not me and also that they are messing up my credit its not just one its a few companies
Product: Payday loan, title loan, or personal loan

I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 584.6071 % and I'm paying close to 700 dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?
Product: Student loan

XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX XXXX XXXX are invalidly reporting account balance and status my balance with XXXX XXXX XXXX is not XXXX the account is not closed.
Product: Debt collection

I have sent a debt validation letter to Portfolio Recovery. I havent received any proof of validation I request them to send me proof of them having rights to any debt and also send me proof of my bear signature stating that they have the rights to own this debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The accounts that they must remove is listed below : XXXX XXXX XXXX XXXX