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

Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
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. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" 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. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and Dennis v. BEH-1, LLC ( XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
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. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SPEEDY CASH/ CURO XXXX XXXX XXXX XXXX XXXX  XXXX CURO XXXX XXXX  XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my Equifax and XXXX  as the amount they are requesting is not valid.
Product: Credit card or prepaid card

I was made aware a few weeks ago that I was being charged for " debt protection '' service on my Best Buy Store card. I have at no point ever signed up for this service, nor have I ever used it. I immediately called to cancel when I found out that this was being charged to my card and that all that money was going towards nothing. They cancelled the service and submitted a request for a refund. I received a letter today denying that request, because my account " was protected by the program benefits through the end of the billing cycle in the month I cancelled '' despite the fact I have never used these " benefits nor would I ever need to. This letter also stated that I had signed up for this service in XXXX/XXXX/2007, which is also untrue as I would never knowingly add extra fees to my monthly payment. Again I have never used this service. Their customer service advised me that they have no number to provide me to rectify this, or speak to the people who process these requests. They gave me a mailing address and told me they can make another request which I 'm sure will yield the same results. I would like these fees refunded to me as this is deceptive and they have gotten probably thousands from me for something I never consented to or needed.
Product: Payday loan, title loan, or personal loan

Comenity Capital Bank, which handles loans for XXXX XXXX XXXX, schemes to offer interest free loans for furniture purchase ( I bought over {$16000.00} worth of furniture in XX/XX/2018 ) but then doesn't inform/remind you when your promotion runs up. 

I had my balance paid down to {$3000.00} and then they charged me $ XXXX+ in interest last month. So now I owe over {$6000.00}. They told me tough luck, I should have been watching my paper statements, which have a notice on it, that the promo is ending. 

First of all, they encourage you to sign up for e-statements. Those statements are emails that have a " Pay Now '' feature. You hit that button and you login to your account, only to be told what the minimum payment is, and the balance. NO WHERE does it tell you that you have an expiring promotion. XXXX XXXX XXXX ( XXXX XXXX ) has a HUGE notice, in RED when you are making a payment, letting you know that a promotion is to end. 

I can't find a lawsuit dealing with this yet, with Comenity, but I might try to be the first one. I could have paid my balance off at any time. They didn't tell me when I purchased the furniture that it was only for two years. They say I signed papers stating that. But they probably didn't want to go over that in detail when I made the purchase since they just sold me over {$16000.00} in furniture. 

AND NEVER, NOT ONCE, was it mentioned on my online account. So that is their scheme. They want you to sign up for e-notices, never look at your " paper '' statement, and then you get hit with a ridiculous amount of interest. 

Their website/payment system also doesn't allow for you to dictate a payment that goes towards an expiring promotion. It only goes towards your total balance. 

This needs to be corrected. Or I will be getting an attorney instead of trying to fix it like this.
Product: Credit reporting or other personal consumer reports

ON XXXX I HAVE XXXX CREDIT INQUIRIES, AND ON XXXX I HAVE XXXX INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX/NETCREDIT ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX )
Product: Mortgage

I was attempting to do a mortgage with filo mortgage, since they offered the lowest interest rate. XXXX was working with me but completely stopped communicating. He wouldn't answer my calls or texts. I eventually called to get a new loan agent to work with me. He at first sounded interested, but then said XXXX 's supervisor said it looked too complicated. They discriminated against me, because we had rental properties, which would be a lot of work for their company. They didn't send a 'not approved, ' they just completely cut me off ... so that they wouldn't have to work with me, since my file was more complicated than someone with a w2 for instance. 
Btw, we closed with a different company within 60 days, so it was very much doable. 
I didn't like being cut off ... and discriminated against. 
I can also pull up call logs and show the refusal to answer.
Product: Debt collection

I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time XXXX refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been bought out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX : {$4700.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Hyundai Motor Finance stopped the automated bank draft on its own and without notice right before the final lease payment was due. It then tacked on additional penalties and interest as " late fees '' and inflated the cost to purchase the vehicle at lease end. During the purchase and since, the company refused to itemize or justify its inflated purchase price and has since been non-responsive to written and verbal requests for an itemization and refund.
Product: Credit card or prepaid card

I have made payments on my card in the last week and a half that total over {$3000.00}. These payments have been pulled from my bank account, but my available credit ( purchasing power ) has not increased like it is supposed to once a payment post. I contacted Goldman Sachs Apple Card and they were not helpful.
Product: Mortgage

XX/XX/XXXX my mortgage company Nationstar sent me a letter stating I was behind in my mortgage by few payments. I had just completed a chapter XXXX bankruptcy in XXXX. My house as well as my trustee payments were under strict compliance. I called Nationstar to resolve this issue but no one I spoke to could give me the dates of the missed payments. I spoke to a Hud councilor who referred me to the CFPB. I submitted a complaint ( case # XXXX XXXX on XXXX. Nationstar researched the problem and found XXXX payments that should have been credited to my account from their bankruptcy department. When I logged on to my account they had credited me with XXXX payments but then had taken one back out. I have since contacted the Attorney General for the state of XXXX as well as the Attorney General of XXXX. Nationstar has replied that now my missing payments were from around XX/XX/XXXX. XX/XX/XXXX was involved in a motion for relief during my bankruptcy. My previous mortgage co. XXXX had changed my house pymt but had not included the escrow amount. When XXXX realized the mistake they filed a motion for relief. I was instructed by my attorney to hold my house payments until the outcome of the hearing. The outcome that was settled on was for me to remit a payment of XXXX and to make XXXX additional pymts of XXXX each month beginning on XXXX/XXXX/XXXX. All payments were sent to and deposited by nationstar as they had purchased my mortgage at this time. I am not behind in my mortgage payments. Nationstar continues to send letters that I am behind and I just simply want them research this and get this issue resolved. I hope this information will help.
Product: Credit reporting or other personal consumer reports

I do not work for XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I am a student at XXXX XXXX in XXXX Texas. School started on the XXXX of XXXX, and XXXX XXXX uses XXXXXXXX XXXX as their servicer for student refunds for Financial Aid. A student can either get XXXXXXXX XXXX  student green card if they do not have a personal bank. I was using Chime as my provider because I also use them to get my XXXX Checks. Chime has always been reliable for these direct deposits, but on the XXXX of XXXX XXXX XXXX  sent to Chime my Financial Aid refund. I call everyday because I keep getting told that yes they have the disbursement and that it will clear later that day, and XXXX  days later I still do not have my disbursement. I am an Account Holder, and am in good standing. When I found out that Chime had my disbursement I took my car to the shop. It is my only car, and repairs have been made but the auto repair shop will not release my vehicle until I have paid them and each day it is there it is XXXX dollars a day. At the rate I am going my bill at the repair shop will be almost my entire disbursement. I am working towards my XXXX XXXX and never have had this problem. Now when I call Chime, its as if I am bugging them and they are rude to me having hung up on me, one even told me patience lady. I am behind on my rent, need my car back as I currently was diagnosed with XXXX XXXX, and have doctor 's appointments that I have missed. I'm asking for your assisstance to get this matter resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX VIA DEALER ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I never made these inquires I will be filing a online police report because this is fraud related
Product: Money transfer, virtual currency, or money service

During the XXXX 2022 timeframe, I was scammed to invest in a mining pool and without my authorization, the full amount was transferred from my Coinbase  Wallet . The perpetrators asked me for more money, and I decided to report the situation to Coinbase.
Product: Checking or savings account

I have had an account with Capital One 360 since XXXX. We use the account to save money in for large home projects. I logged into our account on XX/XX/XXXX to find three large transfers were made to a bank that isn't ours. The amount of the XXXX transfers totaled {$100000.00}. We reported it immediately to Capital One. They took our information and have not reached out with anything more since. We have called, and emailed and no one will talk to us or tell us what is going on. We did get through to a XXXX named XXXX on XXXX day ( XXXX XXXX ) who told us we would only get our money back if they got it back. We received no communication that funds were being transferred -- - no email asking us to confirm the transfer, no fraud call stating that unusual activity was happening and was it us -- -absolutely nothing. I have send email after email begging for status and no one has ever contacted us. Please help us -- -this is alot of money that we can't afford to lose at our age.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an incorrect, inaccurate debt on my Transunion Credit Report and other credit reporting agencies. 
XXXX has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with XXXX XXXX. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, XXXX XXXX has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted Transunion and reported this debt as invalid. Transunion responds that debt is verified with no underlined proof of how they verified this debt. 
Both XXXX and Transunion refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts
Product: Vehicle loan or lease

When I reviewed my credit report. I discovered that some of the information was erroneous. The creditor must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX.