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

upon reviewing my credit report, I discovered the following unauthorized inquires listed on my credit report. I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent, in violation of the Fair Credit Reporting Act. I am requesting immediate removal of these fraudulent inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied the XXXX XXXX platinum credit card on XX/XX/XXXX and the the policy described that I could earn XXXX Membership Rewards points after making {$3000.00} in purchase in my first 3 months. I had met the requirements ( spending at least {$4000.00} except the annual fee ) and obtained the XXXX Membership Rewards points one month ago, however, XXXX XXXX removed my XXXX Membership Rewards points on XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX of this year I received a collection letter from Credit Control , LLC and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from XXXX XXXX. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit account. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681 ( e ) ( b ), which requires data furnishers to ensure maximum accuracy of the information provided to credit reporting agencies. 

**Details of the Issue : ** XXXX XXXX XXXX has reported my account inconsistently and inaccurately over multiple years. Below is a detailed record of the payment history as reported : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The payment history contains multiple inconsistencies and inaccuracies. For example : - " Charge off '' ( CO ) status is reported repetitively without clear rationale or supporting documentation.

- " No Data '' ( ND ) entries appear inconsistently across months and years, raising questions about data reliability.

- " Closed '' ( CLS ) and " charge off '' entries are reported simultaneously in XXXX, which is contradictory. 

Such inaccuracies suggest that the reporting by XXXX XXXX XXXX is not in compliance with FCRA Section 1681 ( e ) ( b ).
Product: Prepaid card

I purchased a prepaid gift card and later found {$480.00} in unauthorized transactions. These included charges from XXXX, XXXX, XXXX, XXXX, and other merchants that I did not authorize. I immediately contacted the card issuer and filed a dispute on XX/XX/XXXX. 

I provided all required details, including transaction dates, amounts, and my reason for disputing the charges. Despite this, the company took nearly three months to complete its investigation, only to deny my claim on XX/XX/XXXX, without returning any of my money. 

The company referenced the cardholder agreement but did not explain why they refused my claim. They did not provide any evidence that I made these purchases, nor did they ask me for additional documentation before closing my case. 

I relied on this card for purchases, and losing {$480.00} to unauthorized charges has caused me financial hardship. The companys dispute process was slow and unhelpful, leaving me without my funds and with no valid explanation. 

I want the CFPB to publish this description so that other consumers are aware of the difficulties in disputing fraudulent charges with this company.
Product: Checking or savings account

there was an automatic renewal from XXXX XXXX XX/XX/2023 to Paypal. Paypal denied the charge on XX/XX/XXXX. I cancelled the renewal on XX/XX/XXXX and XXXX XXXX issued a refund in said amount for XXXX. Paypal subsequently stole XXXX from my XXXX XXXX bank account on XX/XX/XXXX without authorization and refuses to acknowledge the theft after disputing the claim directly with paypal. This is criminal.
Product: Mortgage

I received a check from Wells Fargo from Customer Care - Remediation. I ensured the check was not a scam. I asked if the amount I was given was too much - I was assured not. I then asked - what if it is more? I was told I could enter mediation, and this was through a 3rd party. I received a phone call/voicemail from an individual who identified as working for Wells Fargo ( not a 3rd party? ). I also received paperwork that asked me how much more I believe I should be due and how I calculated that number. How can I answer that when I don't know how they calculated the amount I got to begin with? The original letter with the check was a vague - yes we believe we overcharged you fees but no data as to how/what those overcharges were. I find it very curious that all these details were left vague - how can I get an answer? Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting 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. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX   XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX   XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The copy of the deed of trust that Select Portfolio Servicing ( " SPS '' ) has provided to me references a promissory note signed by both myself and my spouse and none of the copies of the promissory note that SPS has provided were signed by my spouse. See attached letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date, despite only being able to provide copies of an invalid deed of trust, SPS has refused to provide any explanation as to what authority it has to proceed with the trustee sale currently scheduled for XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

The credit issuer Comenity Bank issued a BJ 's Perk card based on application I submitted. I was able to make a handful of charges. Then suddenly without notice, the card was abruptly closed and future charges declined. 

The bank gave out a cookie cutter response that it is related to credit scoring. However, I find that to be incorrect, and even a lie and a bunch of horse XXXX XXXX. 

Why would they approve the card, allow about {$2000.00} to charge to it, I make normal payments, then they close without due process. It cause irreparable damage to my scoring, and an embarrassment at the points of sale. 

Further more, I am being duly denied of my discounts offered by the use of the card, and many other collateral losses. 

I demand reprimand to this card issuer, or the reopening of the Elite Mastercard subject of this complaint. 

My complaint reference to the bank is dated XX/XX/2020 reference No. XXXX, spoke with XXXX ID No. XXXX senior advisor. 

Furthermore, I requested a transactional letter detailing the events, but they were not willing to provide any documentation related to my file other than a computer generated generic letter with the lame excuse they continue to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXXXXXX XXXX
Product: Mortgage

HI there, I have contacted representatives that did not give me my money back, a supervisor stating this is right to cover up the mistake which i asked for a manager and she never replied after two weeks, finally received a managers contact information emailed him XXXX left a voicemail with no reply after over a week. Lastly I called the customer service number asking for a manager and was told the manager was busy and would call me XXXXXXXX by the end of business last Friday and still no contact. 

I need your help to correct an issue one of your representative at servion made onto one of my payments which she should have done was applied the check amount of {$970.00} I received from servion to my monthly payment but instead she increased one months charges for the exact amount of my check and the following month reduced it for that same amount, I will be giving you a break down of this in details below but this needs to be fixed. 

I asked for my check to be placed on XXXX 's payment and how is it I was charged more for XXXX 's month. My regular payment is {$3800.00} the representative charged me {$4800.00} in XXXX charging an additional {$970.00} that I did not approve and giving me a lower amount of {$970.00} means in total I am owed {$970.00} still. 

Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment {$970.00} XXXX charge not approved by customer {$4800.00} Total payment Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment $ XXXX lowered amount {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been aware for a long time that i have been a victim of identity theft. The bureaus have been no help. I have been trying to remove these negative, fraudulent accounts on my credit report and the bureaus refuse to budge. After a while i got in contact with a nice lady in the credit bureau an she instructed me to get a police report. That's exactly what i did and i have now included it in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted sezzle to let them know that my bank account link for payment had experienced Fraud on it and that I would need to adjust payment made to sezzle until this fraud case was resolved. On XX/XX/XXXX XXXX let sezzle know again with screenshots of conversation with my bank of the error and issues. Sezzle did not respond and continued to draw payments up until one finally failed on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying that my concern was to complex and they would send me to a higher up. And push all due dates back by two weeks. This did not happen Sezzle continued to draw bi-weekly payments out till XX/XX/XXXX. On XX/XX/XXXX a month after being sent to a higher up, I finally received a response that was not to my question at all. It pretty much said I couldn't make a purchase because I hadn't paid the account in full. I responded back multiple times on the XXXX. On XX/XX/XXXX I was told all payments would be pushed back by 4 weeks. I was also told if I needed additional assistance to reach back out to sezzle. On XX/XX/XXXX I was sent a notice that sezzle would be reporting my late payments to the credit bureau although they had just agreed to push all payment dates back. On XX/XX/XXXX I reached back out to Sezzle because I had been told previous late fees would be reversed on the account due to their delay in response and the financial issue. No late fees were reversed on any of the accounts. I also asked Sezzle for a list of all balances due and when these would be processing so I could inform the bank and keep detailed track of what was processing when. Sezzle did not respond. I reached back out on XX/XX/XXXX. Sezzle did not respond. Sezzle has continue to take bi-weekly payments out on the account. Yet it seems none of the purchase which are broken into 4 bi-weekly payments have been paid in full yet. I have yet to recieve any clear detail of what has been paid to what accounts and how much left is due. The two week push back nor did the four week push back go into effect and none of the late fees were reversed by this company. Now on XX/XX/XXXX Sezzle has reported to the credit bureaus that I am 90 days delinquent on the account and 90 past due which is just not possible if all factors were applied. If they expended all pay dates by 6 weeks in accordance with our multiple conversations. Then I could not be more than 2 weeks behind on any one account. It also does not explain the multiple payments that have come out of my account since XXXX complaint. I have paid Sezzle {$970.00} since XXXX XXXX. According to their app I still owe them {$480.00}. Although I can not see payments full amounts that was paid to any one account. It seems things were taken at random and applied and in no order. some payments were skipped over and then applied the next one. In my attached documents folder you will see multiple emails between me and Sezzle and agreements that were made.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have major problems with Fifth Third Bank and the credit card I used to make a online purchase The product stopped working after several days and the seller did not answer or respond in any way. I filed a dispute with Fifth Third Bank and gave a full explanation This was mid XX/XX/2020 They credited the charge but I did not hear anything for three or four weeks Since this was not being handled I searched out the seller. I found him and got a return authorization return shipping label. Product was returned XX/XX/2020 via USPS I advised Fifth Third Bank the status and it appeared they just ignored it Then they charged the purchase back to my account on XX/XX/2020 On XX/XX/2020 I sent the tracking number info from the Post Office to them via email to attention of a XXXX XXXX I got no response and the charge was not removed I decided that I did everything I could so I just ignored it. Then on XX/XX/2020 I received an email XXXX XXXX XXXX that Fifth Third Bank had reported me as delinquent and my FIC O credit score had dropped 106 points from XXXX to XXXX. To put it mildly I was livid I could not get through to them and when I tried I was put on hold for over 30 minutes. So on XX/XX/2020 I sent a two page email to XXXX XXXX giving a history with attachments I know he got the email because a XXXX from his office called me and the gist of the discussion was she said well they denied your claim I am done wit h this. I now want justice and I am going to get it. If not from your agency then from another. I will not stop.I am attaching documentation to support my case
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Debt collection

I have disputed this account with Fidelity Creditor Svcs as well as XXXX  and XXXX on XX/XX/20. I have request documentation bearing my signature to validate that this debt belongs to me. I have not received any information in return about what this debt is, why they are saying I owe this or if it in fact even belongs to me. Since then, I have repeatedly asked for verification from Fidelity Creditors Svcs, XXXX, and XXXX via certified mail to confirm the validity of this debt to be mine. Once again, NONE of these agencies have provided documentation that this debt belongs to me and have not sent any document bearing my signature. The original credit amount is listed at {$2100.00} and the creditor continues to add some type of charge every month and the debt amount is now {$2400.00}. This is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX I discovered National Funding had posted false, damaging information about my company on XXXX, a platform used by alternative lenders. The report alleged fraud and verification failure. 

I immediately contacted National Funding for clarification. They claimed a loan application was submitted using my company 's email, but I have no knowledge of any such application. 

National Funding stated the application was made by an individual who represented himself as an owner-operator. This person is my ex-spouse, divorced since XX/XX/XXXX, with no authority in my company. 

I filed a police report for potential identity theft and submitted a notarized form to National Funding as advised by their representative. 

On XX/XX/XXXXXXXX XXXX XXXX National Funding responded, refusing to remove their XXXX post. They provided no evidence of the alleged application despite my requests for : 1. Copy of the loan application 2. Any recorded conversations 3. Email correspondence 4. IP address and location data National Funding failed to verify the application with me, the sole owner and authorized representative of the company. Their actions have damaged my business 's reputation and relationships. 

I've attempted to resolve this directly with National Funding, but they state the matter is closed. Their refusal to correct false information or provide evidence raises serious concerns about their practices and the potential for retaliatory action based on past dealings with my ex-spouse.