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

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Student loan

I consolidated my XXXX XXXX loans in XX/XX/2011. The total number of eligible payments is incorrect. I should be close to 120 eligible payments, but they have me listed at less than that. The loans were serviced through XXXX XXXX and XXXX XXXX and are now with FedLoans.
Product: Debt collection

This complaint is against CBM Collections ' collection claim, on behalf of XXXX XXXX XXXX in XXXX, as it appears in my credit report. 

XXXX collection claim is not valid, since it is demanding payment of monies I never committed myself to pay them. I was billed for almost double the amount I was quoted for a XXXX procedure. In 2014 I paid to XXXX XXXX XXXX slightly over {$300.00} for a XXXX. This amount of slightly over {$300.00} was what I was quoted for a XXXX procedure. I never contracted any responsibility to pay any extra amount XXXX may wish to receive. I did not receive any additional service to justify the difference between the amount I was billed for and the amount I was quoted. Therefore, I can not accept nor submit to such claim. 

XXXX XXXX XXXX excuses the discrepancy between the amount quoted and the amount billed, because they alerted the amount quoted had to be prepaid. According to them, that meant the amount quoted was only an initial payment, but the final amount due would be anything over the amount quoted. XXXX explains their quote does not provide any insight of what would be the final amount due. Instead, I have pointed out that what XXXX calls 'prepayment ' is actually generally referred as 'down payment '. It only takes to look up a dictionary to understand a 'prepayment ' is a payment that needs to be completed before services are rendered. 

If XXXX quote is only a statement of an initial, partial payment, but does not provide any insight of what will be the final amount due, then they need to say so. They need to clarify the quote is only a down payment, but the final amount due is undetermined. XXXX has a very obscure and deceiving way of conducting business : they quote a very low amount to get the client 's business, but then they bill you for a much higher amount. If the client does not submit, they ruin your credit rating. The mismatch between the terms 'prepayment ' and 'down payment ', is not accidental, but absolutely intentional. XXXX continues its practice of referring what is actually a 'down payment ' as a 'prepayment. 

When XXXX submits its collection claim in my credit report is making a statement I am not financially responsible and do not meet my financial commitments and responsibilities. They are alerting lenders and creditors, there is a risk I may not return the money I borrow or may not pay as promised. That statement is false. XXXX claim is false. Plain and simple : I never agreed to pay the amount XXXX claims I owe them. The truth is XXXX is actually trying to rip me off and is hurting my credit as a way to coerce me. 

Please, find attached my letter of grievance to XXXX.
Product: Money transfer, virtual currency, or money service

They just keep asking for documents and more documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2019 I called Bank of America to report fraudulent charges on my account amounting to XXXX and they stated they would investigate and they would submit a hardship form so I may obtain a temporary credit. They closed my case and determined they were valid charges even though I have no idea why I was charged that amount
Product: Checking or savings account

I am a small business. I sold equipment to other business. That buyers bank institution sent me a bank check directly from bank. My bank cashed the check then closed my account for fraud. They did not verify with bank in regards to check validity. The bank then froze all my funds. This happened XXXX week before XXXX. I had about XXXX in funds this problems caused missed payments, and excessive overdraft fees in all my accounts associated with my bank chase. I have accumulated over XXXX overdraft fees totaling more than {$1000.00}. It is XX/XX/year> and the bank has yet to refund my funds back into my account. The account was reopened around XX/XX/year>. They failed to contact me in regards to this matter before closing my accounts. I am a XXXX veteran as well and live of this money to eat.
Product: Mortgage

I am a Veteran, I submitted and applied to refinance by streamlining with XXXX. I signed all the negotiation papers and went into the online portal to sign papers required. I also had credit pulled and verification of payment made to my mortgage company by XXXX XXXX in care of XXXX  and others, which was locked. I started this process XXXX 2020. 

Jus before everything was supposed to go through I get a text from XXXX XXXX XXXX asking me to pay {$920.00} to the new mortgage company in order to get financed. 

I responded No deal. My problem is with streaming when did they required any money down or toward financing as a Veteran. I am also curious as to why wait days before processing everything and have me sign and fax so many papers in the contract agreement. 

I submitted my problem back to someone from the XXXX XXXX in hopes that I could get an answer. The reply I received was asking me to work something out as if they wanted more money. I also felt that if I call the original processor he would tell me anything with an attitude as if he did not want my business, because I had a problem like this before and I had to write his supervisor or someone to get his attention. lso who could have told me from the beginning it there was a problem and instead he sent me a text, as an after though for me to pay something in advance on a contract that was agreed to already. 
Not sure why he could not have explain things out front from the beginning any changes that were made regarding Streaming for Veterans. I have been a customer for year and got my family to do business with XXXX as well. 

I also want to know why Commerce Home Mortgage Company underwriting or someone changed and wanted money under streamline after I did all the paperwork. I have included them in my complaint. 


XXXX XXXX XXXX Motto A Veteran-Whether Active Duty, Retired, National Guard or Reserve-Is Someone Who, at one point in their Life, Wrote a Check made payable to " The United States of America '', for the Amount of " Up to and Including My Life ''. 


XXXX Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, United States. 
Phone : XXXX XXXX XXXX XXXX. 

Commerce Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The name of the Company 's Agent is : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX I feel violated and taken advantage as a XXXX  veteran because my credit was pulled, I gave them access to my information as it was not needed for processing. This was a lawful contract made and then they wanted money to refinance on a streamline. Then to cover it up they made it appear that I decline the offered when I did not want to have to pay anything, so I was told to close it out until I spoke to someone or XXXX XXXX who would explain everything because of the deadline anything not in the original negotiation. I was tricked, he never called to explain anything further.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Credit card or prepaid card

I had three credit card accounts with Synchrony Bank, PayPal Mastercard Account Number XXXX, Verizon Visa Card Account Number XXXX, and Amazon Store Card Account Number XXXX. My Verizon Visa account was closed on after missing a couple of payments due to me being in a car crash and being in the hospital, I contacted Synchrony CEO XXXX XXXX, explained my situation, and a representative from Synchrony Bank reach out to me and reopened my account on XX/XX/2023, and then closed all three of the accounts on XX/XX/XXXX were closed. They are in violation of my consumer rights of equal opportunity act. I demand that Synchrony Bank reopen my accounts due to violation of the Equal Credit Opportunity Act. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Synchrony Bank Financial has violated my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Subject : Urgent Dispute Incorrect Charge-Off & Failure to Notify ( Millennium Cove Acct : XXXX ) * Dear Equifax Representative XXXX I am writing to formally dispute the charge-off reported by Millennium Cove on my Equifax credit report. The details of this account are as follows : Creditor : Millennium Cove Account Number : XXXX Status : Charge-Off Date Reported : XX/XX/year> Issue : This charge-off is incorrect my lease was fully paid, I was never notified, and no XXXX  Form XXXX was issued XXXX 
Reasons for Dispute : I had a lease with XXXX XXXX, but my financial obligation was fully satisfied. 

I never missed any payments and left the lease in good standing. 
This charge-off is an error because I do not owe XXXX XXXX any outstanding balance. 
Failure to Notify Me of the Charge-Off ( FCRA Violation XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), creditors must notify consumers if they report negative information, including charge-offs. 
Millennium Cove never sent me any notice before marking this account as a charge-off.

Failure to Issue XXXX XXXXorm XXXX for Canceled Debt ( XXXXXXXX  Violation XXXX XXXX. XXXX ) Under IRS regulations, if a company cancels or charges off {$600.00} or more in debt, they must issue Form XXXX to the XXXX and the consumer. 
If XXXX XXXX claims this was a true charge-off, then they must provide me with a XXXX form for tax purposes. 
Since no XXXX was issued, this charge-off should not exist on my credit report. 
Requested Actions : Immediately remove this charge-off from my credit report, as it is an error. 
Provide documentation proving that I owed a balance after my lease ended. 
Provide written proof that I was notified before this charge-off was reported. 
Confirm whether XXXX XXXX reported this charge-off to the XXXX  and provide a copy of Form XXXX if applicable. 
If no valid proof exists, issue a formal statement that this debt was incorrectly reported. 
As required by the XXXX XXXX XXXX XXXX  XXXX ), you must conduct a full reinvestigation within 30 days. If this charge-off is not removed or corrected, I will escalate my complaint to the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ) XXXX and the XXXX  for failure to comply with federal tax reporting laws. 

Please confirm receipt of this dispute and provide written confirmation of the resolution. You may contact me at XXXX or XXXX. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I led 2 separate police reports. These are the report numbers ; XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I did not give any authority to anyone. I do not recognize them. They are being reported by a third party. There are several collections on all XXXX of my credit profiles. I filed an identity theft report and asked each credit bureau to remove the information. They did not. Please remove these accounts from my report. They are hurting my ability to obtain credit. 

There is also wrong information regarding where I live on all 3 of my credit reports. Please remove the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. My residence needs to be listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY VIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED INQUIRY IN MY CREDIT REPORT MADE BY XXXX XXXX XXXX
Product: Checking or savings account

I received an unsolicited piece of mail from the XXXX product by XXXX/MoneyLion. The mail included a debit card and had a call to action for me to activate the debit card. To me, the piece of mail seems to actually be from MoneyLion. 

I never signed up for this account. I am not sure how this account was opened in my name with my address. I am actively monitoring my credit, and as of yet don't see anything suspicious. 

I did not activate the debit card. I can provide the debit card number upon request. 

As I did not request this card, nor did I sign up for this account, I believe this is fraudulent. 

I received this mail at my old address and have moved, so I'm not sure the exact date I received this. It may have been a month ago. 

It is a similar situation as this post : XXXX XXXX XXXX
Product: Debt collection

I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in TU reporting.. I disputed the error with TU which they received on XXXX XXXX, XXXX. 
TU sent me out a confusing investigation procedure on XXXX XXXX, XXXX explaining their goal on maintaining complete and accurate information on consumer credit reports. 
It gives a detailed investigation procedure on contacting the source of the information but singled out matters concerning public records while giving an incomplete investigation procedure on this topic.. On XXXX XXXX, XXXX TU completed their investigation when checking the details of the investigation the date that this information was updated was on XXXX/XXXX/XXXX which was the same day the dispute was delivered..It was still inaccurate with the following : contact details, date filed, estimated removal date and docket number which caused me to reach out to the listed item contact details on XXXX/XXXX/XXXX, which was returned to sender as not deliverable.. A description of the procedure used to determine the accuracy and completeness of the information was requested as well as a final goodwill attempt for TU to clear up the matter delivered on XXXX/XXXX/XXXX ... Instead of a procedure A personal credit report dated XXXX/XXXX/XXXX listed a masked SSN that also was n't requested in violation of 15 U.S. Code Section 16.81g ( a ) ( 1 ) ( a ) .. my account numbers has been partially masked and scrambled which is a clear sign of inaccuracies per TU ... On XXXX/XXXX/XXXX TU Investigation was completed again ... And in the results summary the item was verified as accurate. 
During the process of this from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
Product: Checking or savings account

Dear CFPB Representative, I hope this message finds you well. I am writing to seek urgent assistance and intervention in a financial matter that has caused significant distress and extreme XXXX. 

On XX/XX/2023, I opened XXXX accounts, the XXXX XXXX Account and the XXXX XXXX XXXX XXXX, with BMO through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the XXXX XXXX XXXX XXXX account through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. XXXX asserts that the {$25000.00} was returned to my XXXX account on the same day as the {$25.00}, but this substantial sum has not been credited to my XXXX account. I subsequently engaged with XXXX, providing them with all pertinent details and initiating a dispute investigation. Regrettably, after their investigation, XXXX conveyed their inability to locate the disputed funds and redirected me to seek a resolution from XXXX. My latest conversation with BMO, specifically with their XXXX department, failed to yield any tangible resolution or guidance. Their suggestion to visit a physical branch is not feasible, as there is no XXXX branch in my residing state. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00} and in holding both BMO and XXXX accountable for their roles in this issue. 

I would appreciate your immediate intervention and guidance on steps to reclaim the missing funds and to ensure accountability from both financial institutions involved. 
I am willing to provide any additional information or documentation necessary to expedite the resolution of this matter. 

Thank you so much! 
XXXX
Product: Checking or savings account

XX/XX/XXXX I purchased headphones from XXXX, I returned them the next day to A whole foods location. Angered by their mandatory3-week refund tracking bar ( ridiculous ) I waited until the item was returned and received by the seller. I then canceled my XXXX account. 

From then it's been a complete nightmare, I've called XXXX over 30 times I file with ally. Every supervisor at XXXX tells me their system is literally incapable of refunding a closed account. It'll show initially that they're still waiting for the item, when they check the tracking manually it was returned on XX/XX/XXXX. 

I have spent hours upon hours on this. Ally is already committing fraud by not refunding obvious situations, see my previous complaint were hey thought I was on both coasts at the same time. 

I've spoken to the highest person I can at XXXX, and they tell me specifically you need to do a charge back with your bank. Our multi-billion dollar system apparently is not capable of even manually refunding a returned item. This is obviously fraud I have told them that, they don't care they don't listen I've done everything I can Ally knows I'm not getting my refund, ally knows I returned the item, Ally has seen all the documentation and proof that I returned it and has been given all the information to contact XXXX and specifically tell reps to use the tracking number ( because I have to tell them how to do their jobs It was for XXXX headphones for {$160.00} bought on my XXXX account XXXX, my Ally is locked l linked to my XXXX. I can provide any other paperwork you need
Product: Mortgage

We have been in the process of refinancing with Better Mortgage. My wife has a XXXX  XXXX  that is pending renewal and in the meantime USCIS provided an XXXX form extending the XXXX  XXXX  validity for 18 months. Better Mortgage refuses to accept this LEGAL GOVERNMENT form as proof of legal residency status.
Product: Checking or savings account

A charge for {$190.00} was taken over the phone by a fraudulent travel agent XXXX XXXX XXXX from the internet for 1 night stay in a hotel. When we arrived at the hotel they had no record of us. Within 2 hours of the reservation made on line we called Wells Fargo and disputed the card charge and asked that they not honor the charge. We did not stay in the hotel since the hotel had no record of them ever being paid. Wells Fargo 's debit card has the XXXX logo on it and they are false advertising if they do not honor the customary procedures for XXXX. We should not be charged the {$190.00}. 

Claim # XXXX