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

FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX  CARES ACT Violation credit card payment never late XXXX XXXX XXXXXXXX FCRA Violation other loans not mine XXXX XXXX XXXX  FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX FCRA Violation collections not mine XXXX XXXXXXXX XXXX XXXX XXXX  FCRA Violation personal information not mine XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 



Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : UNKNOWN/UNAUTHORIZED I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. 



Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 

XXXX. The source of the inquiry. 

XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 

XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. 

XXXX. Updated copy of my credit report reflecting the amendments made. 



I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 



Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 



Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 





Sincerely, XXXX XXXX
Product: Checking or savings account

On Sunday, XX/XX/2019 I spoke to XXXX  in fraud department. I explained to him that there were charges to my credit/debt card that I didn't make. XXXX told me that he would have to cancel the card and issue me a new one. Fine. I gave him a new pin number and was told that I should be receiving a new card within 2-3 days. I called on XX/XX/2019 to get an update since I haven't received a new card. I was told that no card was ever processed! It is now XX/XX/2019. I still don't have a card. No access to money. I can not put lunch money for my daughter to eat lunch because I have to load funds on her school account. Please see the chat transcript. I was told to get loans!! USAA refused to send me a card overnight. There are no branches in XXXX!!

Welcome to the USAA Bank Chat!

XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : Your Question is : Could you please provide a tracking number ( XXXX ) for my new credit/debt card. I haven't been able to make transactions since Sunday.

XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : Thank you for chatting in with me. My name is XXXX and I will be happy to look into your information because I know how important that information is to you.

Me ( XX/XX/2019, XXXX XXXX ) : I was told I should be getting it by tomorrow XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : Since it has just been ordered today I have yet to have a shipping number. I will have a shipping number for you by tomorrow.

Me ( XX/XX/2019, XXXX XXXX ) : No! I was told it was expidited. I was supposed to be shipped today and I should recieve it by tomorrow Me ( XX/XX/2019, XXXX XXXX ) : This is now the 3rd time you guys are refusing to send me a card Me ( XX/XX/2019, XXXX XXXX ) : I spoke to a supervisor yesterday Me ( XX/XX/2019, XXXX XXXX ) : Im not waiting anymore! I have no money!!! What the XXXX am I supposed to do! I haven't been able to access my account since Sunday!!!!!!!!!!!!

Me ( XX/XX/2019, XXXX XXXX ) : Hello?

XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : To make sure I understand your situation I will be asking questions throughout my chat.

Me ( XX/XX/2019, XXXX XXXX ) : Are you serious? I want my card!!!

XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : Do you have a friend that could loan you the money until you get your card?

Me ( XX/XX/2019, XXXX XXXX ) : XXXX!!!! Are you crazy???

Me ( XX/XX/2019, XXXX XXXX ) : This is USAA 's fault not mine. I shouldn't have to go begging!!!

Me ( XX/XX/2019, XXXX XXXX ) : This is insane! Im going to another bank!

Me ( XX/XX/2019, XXXX XXXX ) : I trusted you guys and you XXXX me over. Im done Me ( XX/XX/2019, XXXX XXXX ) : Telling people to give you loans because USAA refuses to give you a card and refuses you access to YOUR OWN MONEY Me ( XX/XX/2019, XXXX XXXX ) : This chat is going on social media Me ( XX/XX/2019, XXXX XXXX ) : Im telling everyone how USAA screws you over and then tells you to beg for money Me ( XX/XX/2019, XXXX XXXX ) : Im already taking screenshots XXXX XXXX ( XX/XX/2019, XXXX XXXX ) : I am sorry that you feel we XXXX you. Is there anything I can do for you?

Please run away from them. Use your local bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian explaining that I am a victim of identity theft and I have no knowledge of the following accounts. I have provided a police report as well as an identity theft report & they continue to report inaccurate information on my credit report. These accounts do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and XXXX XXXX. There are address information that I also explained that I never live there XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. There is also inquires from things I have never applied for or gave anyone permission to look at my credit report for these companies XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. I have made multiple attempts and theyve continued to ignore my requests, this is affecting my livelihood and is a defamation of my character. ( Complaint ID : XXXX )
Product: Mortgage

XXXX an EFT for {$3800.00} XXXX XXXX XXXX {$2000.00} MTC # XXXX XXXX XXXX XXXX {$900.00} MTC # XXXX XXXX XXXX XXXX {$650.00} MTC # XXXX Total payments {$7300.00} this would have taken care of 3 1/2 payments however they chose to not take the payments out of our account and have rejected the XXXX XXXX payments. 

Now my mortgage is showing 5 months past due and its in pre foreclosure
Product: Vehicle loan or lease

I have been reaching out to Exeter Finance for a few weeks, i called 5 times last week XXXX XXXX XXXX regarding information on my loan with them. They have been giving me the run around, and keep failing to send the requested information. After all the phone calls they sent a link that isnt accessible. I have tried multiple times to logon, but has not been successful. Even requested it to be resent. They stated that it takes 24-48 for me to receive a email. I have not received any of the emails/ information requested.
Product: Credit reporting or other personal consumer reports

This is my last attempt to resolve the issues of this inaccurate reporting. The accounts are fraudulent and are damaging my livelihood.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX RE : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Account number : XXXX Original Creditor : XXXX XXXX To whom it may concern, As I have not heard back from you in over 60 days, regarding my demand for proof, since my original notice of dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state of Florida.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of receipt of this registered letter ( with return receipt ) will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

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

Equifax is reporting inaccurate information on my consumer report. The two accounts the XXXX XXXX and XXXX I demand that these inaccurate items are deleted from my report immediately. I previously disputed XXXX XXXX with Equifax and they concluded that the account was verified. However, in the letter attached, the company stated that they didn't file a 1099-C. I am confused as a consumer ; is this alleged account a charge-off or not? Did they verify that a form 1099-C was filed before Equifax allowed XXXX XXXX to report this item as a charge-off on my consumer report? Was there any verification or validation done? In addition, the account named XXXX is reporting inaccurate on my consumer report as well. 
Under your laws 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. As a consumer who needs their consumer to be accurate, I have been injured financially because these inaccurate items were parked on my report. Then Equifax verified this inaccurate information has led me to lose confidence in their reporting methods because it's unfair and inequitable.
Product: Money transfer, virtual currency, or money service

I placed an order for a trial service that billed me despite my cancellation prior to the end of the trial period. 

I filed a dispute with PayPal and supplied them with email proving that I canceled service with the merchant two days prior to the deadline. PayPal took forever and ultimately denied my claim.
Product: Credit reporting or other personal consumer reports

I recently had all of my student loans discharged. I informed Experian, XXXX and XXXX of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XX/XX/XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Product: Checking or savings account

Claim number : XXXX Chase bank denied my claim for this. I did not made any reservation with XXXX. I contacted XXXX and they reported that the account that this reservation was made under using my debit card was under a different name and do not match the payment card. I request that chase bank reopen this and request information from XXXX and send it to me as to why they denied this claim. According to XXXX XXXX of services " XXXX accepts non-temporary, non-reloadable debit cards with a Visa or Mastercard logo linked to a checking account and issued in the name of the primary guest. These include debit cards from online banks like XXXX, XXXX, and others. It doesnt include reloadable debit cards such as XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX '' The primary guest is not me and was never me as I do not have a Turo account. XXXX negligence allowed someone to made a reservation using my stolen debit card not matching the name on the account. I requested that chase reopen this case and request paperwork from XXXX with the reservation XXXX. 

Turo reservation booking ID XXXX Chase Bank Claim number : XXXX
Product: Mortgage

I called Mr. Cooper/Nationstar about removal of PMI. They are requiring me to pay for an appraisal to remove. According to the HOPA at 78 % PMI is required to be removed. We are current on our mortgage. We hit this mark in XX/XX/XXXX. I just noticed that we are still paying this. I contacted Mr. Cooper and spoke with XXXX in their PMI department and she is having trouble finding a document that we signed at closing about PMI. We bought this home in XX/XX/XXXX. They are refusing to remove PMI until XX/XX/XXXX. This is way beyond the 78 % LTV. We bought the home for {$240000.00} and we now owe {$180000.00}. 78 % LTV would have been {$190000.00} based on the sales price of {$240000.00} which was the lesser of the appraised value. I am asking for help in resolving this matter, removing the PMI and getting a refund on the overage that we have paid. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Back in XX/XX/2016. I was approved from FLORIDA HARDEST PROGRAM, which reinstates my Loan to its Original Principal Balance ( {$87000.00} ), which includes installments of principal, interest, insurance premium, escrow amounts for taxes, homeowner association fees. 
But Nationstar / Mr. Copper did not hold up their end of the deal as per the Rider to Promissory Note provided by Florida Hardest Hit Program. They have refinance a totally different amount ( {$100000.00} ), plus they have kept the homeowners association fees to them self ( {$10000.00} ), instead of paying my Association, who is now declare a foreclose on my property due to the bank never reimbursing my Association fees.
Product: Credit card or prepaid card

Citi Bank ( XXXX  ) credit card during pandemic. I have attempted to make contact with Citi Bank as I was effected financially by the pandemic. I attempted to lower my interest rate. Was told no. Attempted to get payment assistance. Was told no. Requested a waiver of late fees. Was told no. Instead the interest rate has compounded and the balance has sky rocketed!
Product: Credit reporting or other personal consumer reports

XXXX is saying that I had opened an account and had made charges to this account. I have never opened an account with them and they have failed to provide any documentation that I have done so. I have filed several fraud cases with them and the credit report agencies with no resolve. They state that I had a {$200.00} credit limit and owe {$340.00}.
Product: Checking or savings account

I see that Navy Federal had a lawsuit paying for NSF and overdraft fees charged and I was charged fees also that should be looked into so that I could be properly compensated
Product: Credit reporting or other personal consumer reports

PLEASE ESCALATE THIS COMPLAINT! 10 UNANSWERED " CFPB.GOV '' COMPLAINTS UNANSWERED IN MORE THAN 30,40 & 50 DAYS '' ... UNACCEPTABLE I am writing to express my extreme frustration and disappointment with the handling of my disputes. Despite submitting XXXX disputes, which is an excessive number, I have YET to receive a response for ANY OF THEM, with some pending for over 50 days. This is UTTERLY UNACCEPTABLE and requires immediate escalation. 

The lack of response to my formal COMPLAINTS is equally disturbing. AS a consumer, I expect a prompt and efficient resolution process, especially when dealing with errors on my credit report. Experian 's inaction has caused me significant stress, wasted time, and financial consequences. 

Attached to this complaint is a copy of ALL DISPUTES THAT HAVE NOT BEEN ANSWERED BY EXPERIAN. 

I demand that Experian takes immediate action to address these disputes and provides a comprehensive resolution within the next 14 days. I also expect a formal investigation into the delays and a detailed explanation for the lack of response to my previous complaints. 

If I do not receive a satisfactory response, I will be forced to explore further action, and seeking legal counsel.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.