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

I am writing to express my deep dissatisfaction with the multiple unsuccessful attempts to remove unknown inquiries from my credit report. I have diligently followed the dispute process outlined by your bureau, yet the unauthorized inquiries persist on my credit file. 

I have attached copies of the dispute letters, along with the supporting documents, for your reference. 

This situation is not only causing undue stress but also has the potential to harm my creditworthiness. I am particularly concerned about the negative impact this may have on my ability to secure favorable terms for future financial transactions. 

I request that you conduct a thorough investigation into this matter and provide a detailed explanation for the persistence of these unknown inquiries. Furthermore, I expect prompt action to rectify this issue and a confirmation of the removal of these unauthorized entries from my credit report. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will have no choice but to escalate my complaint to relevant consumer protection agencies and legal authorities. 

I believe in the importance of a fair and accurate credit reporting system, and I trust that your bureau will take the necessary steps to address and rectify this situation promptly. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Holding has neglected to resolve the issue as it is their obligation as my bank, to be held liable for those executing their contracts. 

I received an email from XXXX XXXX with the Global Consumer Adovacy Team for Global Holding, saying they referred my other complaint in regards to them and their affiliates. 

The lack of accountability they have is very unbecoming of a company or bank. It just continues to show me they truly dont care for their clientele. We are just a contract to push through and make those they are using or have on boarded to execute the contracts- have to deal with their dirty work. 

Hope you guys audit them for their crippling lack of customer service, refusal of liabilities for their service providers and/or lead generators.
Product: Credit card

At the time of my application for the Chase Freedom Unlimited Credit Card, the advertised rewards promotion was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening ''. The fine print clearly stated that this welcome offer was { and still is } available to all new card members if you do not have this card and have not received a new card member bonus for this card in the past 24 months. I have never had a Chase credit card so I met the XXXX requirements for this promotion. After being approved for the card I spent {$8000.00} in the first 3 months and noticed I never received my {$200.00} per the advertised promotion. After many communications back and forth with Chase representatives the following information was disclosed. Although the advertised promotion on my computer screen the day I applied was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening '' Chase determined I was not eligible for the promotion, and proceeded to apply an inferior promotion to my account, that inferior promotion equates to earning {$7.00} when I spend {$500.00}. I have asked for the reason why I was determined ineligible for the advertised promotion the day I applied and Chase has refused to disclose that. I have pointed out that per the advertised promotions ' terms and conditions, the practices they have used for me are illegal. They engaged in bait-and-switch advertising to entice me to apply for their credit card just to give me a less favorable offer. They also used false advertising because the offer and the offer 's terms and conditions clearly stated this offer is available to all " NEW customers that have not had a Chase credit card the prior 24 months. I was a new Chase customer at the time I applied. I also applied for the credit card through the welcome offer advertisement as the terms and conditions suggested. Lastly, my denial of the advertised offer is in violation of the Equal Credit Opportunity Act. I have asked Chase to prove it was not in violation of the act and they simply requested I trust it was not. I do not trust anything this company has stated. I want to know the specifics behind my not being approved for the {$200.00} welcome offer and then the lesser offer being applied.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and does not let me add a new bank account or a new debit card to my PayPal so I can able to withdraw my money after the 180 days restriction is over. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could make a report on here as I feel they are not doing their job properly. The email to my PayPal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently applied for an SBA loan using my name and company. I was able to stop it at SBA before money was issued, but I have had a very difficult time contacting credit bureaus to place a freeze on my accounts. This particular complaint is about Experian. I tried to log in to Experian this morning. I have now spent more than an hour trying to reach them. Here 's what happened : I tried to log in with my username and password. System said I would have to confirm a texted security code. System correctly displayed the last 4 digits of my phone number. I agreed. System failed to text me and displayed the following " Oops, we're sorry! We are currently unable to process your request. Call us toll-free at XXXX '' Tried calling. Tried each voice tree option and could not get through. XXXX  for other Experian numbers and could not reach a person or any other help on two other numbers. Most times, after making a selection, the phone gave me a busy signal.

I agree they are a " sorry '' company, but this is unacceptable! I don't care if they are short staffed or can't keep their computer system operational. Let their overpaid executives answer the phones, then.  They have extraordinary power over my financial life. Therefore, they need to demonstrate extraordinary responsibility and responsiveness. They don't! They need to take whatever measures are necessary to correct this situation now. Instead, they have wasted an unreasonable amount of my time when I try to place or follow up on a freeze. Initiating and following up on the freeze is my RIGHT. If they don't allow me to exercise that right in a timely and efficient manner, than they should be required to compensate me for the harm they caused - namely, my lost time.
Product: Checking or savings account

Wells Fargo froze my paychecks from my company account twice ( XX/XX/XXXX and XX/XX/XXXX ). The second time they either notify me about that. They said the company who issued the check had not enough money to pay for, however it was a big lier since I got the movement account and they had enough money to pay. Those movements were showed to a banker/representative. The second time ( XX/XX/XXXX ), I had my money on Saturday XX/XX/XXXX and it suddenly disappeared on XX/XX/XXXX. I showed the movements to the banker again and got my funds however they told me that they will not pay for any compensation for damage as I was informed after reading this articule https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX # XXXX I beg you to solve this matter. Thank you
Product: Debt collection

I began receiving calls from Franklyn Collection Services regarding a {$64.00} - that's {$64.00} overdue bill from XXXX. I have never had an account with XXXX nor do we use XXXX services. I have kept an account for 28 years with XXXX. The calls were numerous daily, and I was threatened if I did not pay they would attach a collection to my credit accounts. I repeatedly asked for a copy of the original contract for this account and claim. I spoke with XXXX and they ad no info. I wrote to the collection agency requesting same, They have placed a collection on my account - for {$64.00}. One credit reporting agency removed it. XXXX   investigated and responded that the claim was legit even though I can't get a hold of a contract, This bogus claim is in violation of multiple laws.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I am getting extremely upset. XXXX XXXX  reported my balance incorrectly. It reports I still owe a blance when I do not. XXXX XXXX  used Redius Global Solutions to help them collect debts. I settled my account with Redius global solutions & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : 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 I, 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. 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

RMS -- - LN XXXX -- - Loan Skey : XXXX -- - XXXX XXXX XXXX XXXX, XXXX CA XXXX -- -- XXXX XXXX -- -- -- We are having no end of trouble getting accurate and timely communication and information on a short sale. We previously had to file a CFPB complaint Case #  XXXX in order to get an interior appraisal done, as required by the investor. That appraisal was completed on XX/XX/XXXX. I have called three times to ask what the value came in at, and to get a current counter offer. Each time I was told that we must produce a demand in writing to find out what the value is, and that our SPOC XXXX XXXX would be in contact to discuss. The last time we were told this was on XX/XX/XXXX, and I also left a voicemail for her. We have not had a response, and this violated servicing guidelines for this investor. 

The appraised value of the property is intrinsic to the process of a short sale and of an urgent nature as that is how approval or denial is in part decided. By withholding this information arbitrarily and refusing to communicate with us as the authorized 3rd party, RMS is violating CA 580e which requires prompt and clear communication in all processes of any loss mitigation effort. In addition, the representative that I was able to speak with on XX/XX/XXXX named XXXX told me to calm down when I in no way had raised my voice. Insisting that a servicer abide by all applicable law, state and federal, is not a reason to be condescending and combative. 

I would like the SPOC to contact me within 48 hours to discuss this short sale, its value and resolution to the issues along with their direct contact information.

Attached is our Third Party Authorization and a copy of the previous CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out debt validation letters to XXXX, TRANSUNION, XXXX XXXX and XXXX  requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, TransUnion and XXXX  uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to AMX and in being punished in my scores for their errors. XXXX is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX  and OIG. Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX/ {$0.00}
Product: Debt collection

This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.
Product: Credit card

I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID
Product: Vehicle loan or lease

My car was repossessed for two bill payments, when I bought the car I put about {$9000.00} down than they sold the car for about {$22000.00} the car when I bought it was {$28000.00} so to my understanding I should not owe this bill to any 3 rd party collection agency if car is sold even the loan officer spoke with me an say the car was sold an accounts closed it should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Vehicle loan or lease

I been XXXX out to this company for over a year now an they are refusing to communicate With My Mail Notices to this company. I need them to validate this debt That I Owe! Punishing borrowers with repossessions : Credit Acceptance Corp demanded borrowers pay for coverage they did not need or else face delinquency, additional fees, and repossessions. Credit Acceptance Corp conducted repossessions of vehicles when the delinquency was caused by the bank charging unnecessary and duplicative coverage. XXXX XXXX XXXX XXXX is where I got the vehicle from has refuse to give me Bank information on My Retail installment Contract tell me my bank is Credit Acceptance Corp an that is inaccurate! I been scam Into a XXXX XXXX XXXX XXXX XXXX! An XXXX Initials Are Invalid On this contract! illegally loading up auto loan bills with excessive charges, with almost XXXX of families losing their cars to repossession! Out in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT ACCEPTANCE CORP has XXXX XXXX XXXX and charged illegal fees by forcing loan borrowers into unnecessary and duplicative coverage policies! I had got A letter from credit Acceptance corp asking for XXXX or XXXX XXXX, I had reach out asking for the XXXX XXXX XXXX XXXX an This company Refuse to Comply and tell me they don't except Bond Only Cash when they stated it in the Letter! Giving me a hard time to setoff this debt to the XXXX XXXX XXXX XXXXXXXX XXXX! Also they Use My Name on my SSN # an so I know in Fact They are Using My Account To Pull CREDIT! I never Gave them A Middle Name Only First An last Only! Also the Purchase Price Don't Match My XXXX PURCHASE PRICE! Also the contract Dont Give Full disclosure Of the State Of XXXX XXXX XXXX XXXX