23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dispute started on XXXX XXXX, when a USAA employee refused to provide a copy of our auto insurance card to enable Dealership to expedite the issue of a loaner vehicle, since the recall repair will take longer than originally planned. The circumstances were explained to the individual named XXXX, and more than sufficient information was provided with more offered specific to my identity as the policyholder, i.e., full name, address, telephone number, year and make of vehicle in service and name of Dealership she can email a copy of the current insurance ID card. She refused and threatend to hang up while I try to continue to convince her of the situation. I asked to speak to a Manager she refused to connect me to one. The two employees at the counter were witnesses to my frustration with this XXXX with their unbelieving facial expressions and offered to speak to the employee. 

Sent a written complaint to USAA, with copies to top level management including the CEO. No response, no apology. Instead, they placed a BLOCK on our USAA issued credit cards and an attempt to use one XXXX was declined. I cut the cards into pieces and trashed them. We also canceled our home and auto insurance policies, at which time also discovered that our collision coverage for the XX/XX/XXXX XXXX was deleted without our knowledge, without notice and disguised with a small decrease in total premium that insurance companies were doing due to less traffic and the pandemic. 

I sent a detailed statement and a demand for a refund of two policy periods of overbilling and the unused prepaid portion of canceled auto policy. Also proposed that they use the credit and total refund owed to me and use that to pay the {$330.00} card balance and send me the remaining credit balance as a refund check. 

As of this writing USAA have not taken any steps to resolve this issue. USAA continue bill me for the {$330.00} XXXX account with interests. When the bottom line is USAA owes us a refund of {$120.00}. should a basically knowledgeable accountant can make a bookkeeping entry of debiting the insurance account and crediting the XXXX account and refunding or billing the difference as applicable. 

I also informed USAA to close all my accounts that have terminated our business relationship. They ignore this also, we continue to receive advertising and promotional offers on different subjects, such as retirement, financial management, use of credit cards. USAA marketing to the military and military community is not well organized and to me have a prevailing culture of incompetence in the organization with perceivable corruption at the very least in their insurance operations. These compounding issues have not been addressed by Management going on seven ( 7 ) months
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I am a victim of identity theft. My Discover credit card was used without my authorization. I contacted Discover card and submitted a fraud dispute. As per Discover dispute department requests, I submitted a affidavit and filed a police report. Discover is stating they denied my dispute and will transfer the balance to my account. I spoke to XXXX a representative at Discover Dispute and requested to speak to a supervisor. I have not received a response as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX  : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

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

I noticed on my latest credit report that I have quite a few fraudulent unauthorized inquiries listed for the following : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXInquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX - XXXX Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX I asked that Transunion investigate these fraudulent inquires and remove them from my credit report immediately,
Product: Checking or savings account

I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst bank.
Product: Credit reporting or other personal consumer reports

My credit is an essential part of my financial stability, and I am deeply troubled by the inaccurate information appearing on my credit report. These errors are more than just numbersthey have a real impact on my life, creating constant stress and frustration, especially when I face repeated denials for credit applications that should have been approved. Its disheartening to know that my creditworthiness is being misrepresented due to mistakes that are beyond my control. I am reaching out to you with the sincere hope that this matter will be taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.
Product: Mortgage

I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.
Product: Mortgage

As of XX/XX/2018 I've made the three trial payments for my mortgage modification trial. The documents that I received reflected my escrows being incorrect for my mortgage. I recently received correspondence reflecting the correct amount for my mortgage payment of which the corrected payment is lower. Per customer service with The Money Source they wanted me to sign the previous modification agreement that had the incorrect mortgage payment. The previous documents that were mailed to me XX/XX/2018 are incorrect documents with the incorrect mortgage payments. I don't want to sign  documents pertaining to my mortgage with incorrect figures that affect my mortgage payments and the mortgage deed. I'm currently paying the trial payment amount for my mortgage payment.
Product: Credit reporting or other personal consumer reports

I called transunion and XXXX to verify who is reporting as XXXX XXXX XXXX Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Attached is my consumer dispute letter for Transunion. I've attempted to dispute this information by mail several times without success. Per FCRA Guidelines you MUST investigate my claims with the attached identifying documents.
Product: Mortgage

We fell behind on the mortgage XXXX of 2021 as result of job loss, covid illnesses in our household. We started the procedure with the loan servicer SPS. We sent them multple copies of paperwork for several months. We did not feel comfortable continuing to send payments during this time because they seemed to always misplace or lose documents. We sent them all financials several times. After several months they asked for hardship paperwork again. Finally they denied any help to resolve the issue except paying the full amount, which we did not have. Since XXXX we have continued to try to deal with SPS Servicers, but they are unwilling to assist us in new mortgage assistance in anyway. We will be able to pay the mortgage now that we have sources of income to pay the mortage and past due. Meanwhile SPS servicers have continued to add multiple and multiple expenses to the loan including an unlimited supply of drive by inspection charges and other unknown charges m eanwhile we continue to feel like we have been getting the runaround. We have been willing to do what we can to save our home of 27 years, our childrens home. On several occasions they have allowed the homeowners insurance to be cancelled. We paid to have it reinstated and SPS improperly dealt with the insurance allstate and told them no one was living in the house. This house has been occupied almost daily for 27 years. With all the drive by 's they have done supposedly, I am not sure how they have been unable to see all the cars in our driveway.One of the agents at SPS recently said if we could afford to pay the insurance to get it reinstated after they SPS messed up then why can't we pay the mortgage. We feel like they have been harassing us for several months, leading us on and tacking on a multitude of expenses. Recently we received another notice to pay homeowners again since they SPS had mandatory insurance placed and now XXXX said SPS dropped the ball again.We will be able to pay the mortgage from this period on, we just want to be treating fairly. This has been a true nightmare dealing with this company. Please help us save our house. We have plenty of equity at stake, and am sure the SPS company and loan owners are well aware. Now we received a letter from an attorney today requesting the loan and all the fees added by SPS is due in full {$150000.00} Dollars or we will be foreclosed on.
Product: Credit card

My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX with Experian, XXXX and slightly low in XXXX XXXX XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than XXXX pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than XXXX points over night. How is that done?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness. 

The four hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA.

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law. 

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention. 

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive had accounts removed from my credit report with proper documentation and months later the balances would reappear as if it was never settled as closed once updated with the major disputers.
Product: Credit reporting or other personal consumer reports

I have submitted disputes regarding information on my credit report which includes balances that are over 3 months behind. I also noticed a significant drop in my Transunion and XXXX credit scores and was not told why. XXXX is the most accurate regarding balances and scores. There is a XXXX point discrepancy between XXXX and XXXX ( XXXX XXXX to XXXX XXXX ) and a XXXX point discrepancy between Transunion and XXXX ( XXXX XXXX ) I have disputed these balances on both XXXX and Transunion with XXXX response. Many of them state there is a lag in balance reports. XXXX is up to date why aren't the others? 

I asked for a Credit Report from Transunion with the representative online. He sent me to a website that was supposed to provide the report at the end of a lengthy questionnaire where I had to provide my social security number and date of birth, private personal information it said for Transunion I would have to submit a request by mail or phone or purchase their credit monitoring service.