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

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report. According to my recent credit report, dated XXXX from XXXX XX/XX/year> XXXX XXXX  XXXX TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX TransUnion XX/XX/year> XXXX XXXX  TransUnion XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX TransUnion XX/XX/year> XXXX XXXX  TransUnion XX/XX/year> XXXX XXXX XX/XX/year> which I did not authorize any of these inquires i have no relationship with any of these banks. 

I understand the impact that hard inquiries can have on my credit score, and it concerns me greatly that an inquiry was made without my consent. I hereby request your assistance in investigating and removing this unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry for your reference. I kindly ask for a prompt response to this matter and for the inquiry to be removed within the timeframe set by the Fair Credit Reporting Act. 

Thank you for your attention to this important matter. I look forward to your swift action to correct my credit report.
Product: Mortgage

Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied.
Product: Credit card

I received a letter on XX/XX/XXXX that my Best Buy Credit Card account, which was in good standing, had been closed. The reason for the account closure was one or more occurrences of late or returned payments in the last 6 months. Here is what actually occurred : I decided to consolidate the debt from my credit cards to pay one payment monthly. I am in good standing on all of these credit cards and my credit is good so I was given a loan by XXXX XXXX XXXX XXXX. They sent me physical checks with the creditors names and amounts on each. I was assured that these checks could be used electronically/mobile ( XXXX., that they would be accepted over the phone if I provided the routing and account numbers on the bottom of the check ). I proceeded to call and pay each creditor. Some of them told me that I would need to send the physical check in, which I did. I called Best Buy and they took the payment over the phone, told me to check the status of my account in a few days. I checked the status and it appeared to go through. I even called Best Buy back after my account appeared clear because I was charged interest, which the representative removed. I then received an email on XX/XX/XXXX telling me that my account was CLOSED due to 'one or more occurrences of late or returned payments in the past 6 months ' and could NOT be reopened. 
I have called Best Buy, Citibank, spoken to multiple representatives of each. They have told me that there is nothing that can be done. Best Buy told me to go to Citibank. I physically went into a Citibank location with the check itself and was told they were not authorized to take my check. They directed me back to Best Buy. I feel that this is extremely unfair practice all around. I have now been penalized for simply attempting to pay my bill- even early, I was not late on a payment this month or any other months, and my account has been closed, which will hurt my credit. I was not even told that the payment was rejected or warned that my account was in danger of being closed because the check was accepted and then rejected. I am/was a good customer, this is atrocious and abhorrent treatment. 
On XX/XX/XXXX I submitted copies, via certified mail with return receipt request, all of this information, the letter regarding my account closure from Best Buy, the statement showing the reversals, and a copy of the check stub for {$4400.00}, as well as what I am requesting as proper resolution, to both Citibank AND Best Buy. I also mailed the physical check in to the Best Buy Credit Services payment XXXX location.
Product: Debt collection

I have never done any business with a company called PORTFOLIO RECOVERY ASSOCIATES, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX But they are repeatingly reporting false information that is not accurate on my credit report which is costing me to buy a home no action as been taken by the company to move the false information
Product: Credit reporting

I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please
Product: Mortgage

My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) Late payment dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey XXXX XXXX during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Product: Mortgage

In Ref. to CFPB No. XXXX, Mr. XXXX previously complaining of XXXX unauthorized credit inquiries which were appearing on his credit reports TRANSUNION responded that " [ y ] our written authorization may not be required '' to run your credit and " specific consent to the release of your credit information is not necessary '' and therefore closed the case. Later on, XXXX new credit inquiries that has therefore increased total number of unauthorized report inquiries to XXXX. According to TRANSUNION if complainant has any objection about using his credit reports he " may wish to contact the creditor directly. ''
Product: Credit card or prepaid card

On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.

Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.

In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees. 

Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX JPMCB CARD XX/XX/22 RE. We have disputed this account.
Product: Credit reporting or other personal consumer reports

Equifax seems to have me on some sort of blacklist. 
I can not log in to Equifax.com or request a free annual credit report. Logging onto the site gives the error message " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' It has been this way for months. 
When I purchased a 3-agency report from XXXX, it could not be completed because Equifax refused to provide information on me, claiming that Equifax has no record of my credit history or has different personal details for me on file. Since Equifax won't provide me with a report, I can not check or correct my personal details. 
On XX/XX/2023, I sent a written request to Equifax to correct the error and my personal details. I included a copy of the error message and copies of documents to prove my identity and current address. They ignored my request and did not respond.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I paid a final payment of XXXX $ on a Citigroup Best Buy card to fulfill the repayment requirements for a no interest promotion. I then discover that the Citigroup only charge my card payment the minimum amount thus because of this the time for the no interest promotion past thus they charge me all the interest. I have never paid minimum. and had thought this was paid. I have paid the bill of XXXX in full but I feel that this has been a scam. I have purchased many items from Best buy and have never paid interest. Citi bank chose only to take the minimum thus voiding the offer, this was done by them to void the no interest offer.
Product: Prepaid card

I have been unable to use my rush card for 5 days. I get my paycheck deposited to my card and I have been without money for over a week. They keep lying and telling me that it will be fixed by the end of day. They have lied over and over again
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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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: Debt collection

Upon looking into licenses to practice in my state and whether everything was current i noticed that telerecovery has a list of businesses listed. But the one that is a debt and collections agency, which is the one that is attempting to collect a debt, has an expired license and it has been expired since XX/XX/2011.Therefore they are not able to collect from me without a valid license.
Product: Vehicle loan or lease

I am currently in the process of trading in my vehicle and have my current auto loan with People 's United Bank N.A. For the past 3 weeks, I've called their customer service 6 times to request a payoff letter be sent to me. Each time I've gotten the same answer - that it would be sent to my email on file within 24 hours. Out of the many, many times I was told this, I only received one email and it was just a monthly loan statement, which does not include the payoff amount. Throughout these past three weeks, I spoke to two managers who allegedly " escalated the issue '' and yet, I have not been contacted with any new information on this issue and am constantly getting dismissed. As I am writing this explanation, I was just hung up on by a manager who was allegedly " escalating it to her supervisor ''. This bank is ridiculous and should be out of business. Not sure how it's so difficult to receive a payoff letter. I am very computer savvy and would be able to get this online, except it's not an option. Their website mentions " For information on how to make a payment or for payoff instructions, please visit our Help Center. '' When I visit the Help Center, there is not a single piece of information on payoff information. I will never do business with this bank again and hope no one else has to deal with such incompetence.
Product: Checking or savings account

I noticed a monthly service fee charge while reviewing my online banking charges and decided to place a call to XXXX for further information. I spoke with a XXXX agent who advised me that I was receiving this charge because I was not meeting the requirements of the account by maintaining a minimum balance of {$XXXX} or having {$XXXX} deposited into the account. I have been a XXXX customer since XXXX and have never been informed of this. I explained that when I initially opened this account I was advised of a minimum amount of transactions in order to avoid any of these charges. The agent then told me that this changed in XX/XX/XXXX however, the fee was waived for XXXX months. After I again explained my frustrations I was then transferred to " XXXX XXXX '' who told me that this was explained on my bank statement from XX/XX/XXXX that was sent via email. When I questioned why I was not charged last month she stated that the fee was waved for XXXX month which I agreed to and I was given a complimentary waive for last month. This makes absolutely no sense and there are several discrepancies within the information being told to me which I also explained to XXXX while she repeatedly spoke over me again and again. I requested to speak with her superior which she refused and stated thatshe would submit a complaint for me and provided me the complaint number of : XXXX. 

This entire situation with Wells Fargo is extremely unethical and is a display of severe gross misconduct.
Product: Debt collection

I received a bill from Omega RMS LLC for the amount of {$240.00} informing I owe a bill to XXXX  but the strangest thing is I have an open account and pay this company every single month was informed that all bills owe was discounted and restarted account with XXXX balance. I never got a bill after this from the company and they informed me not to worry about any new bills for I am directly debited from this company. This is clearly a mistake that needs to be fixed immediately. I have been a customer for more than XXXX years XXXX
Product: Credit reporting or other personal consumer reports

Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The XXXX in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. Who is XXXX XXXX XXXX XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.
Product: Credit card or prepaid card

My small business did COVID testing for industry last year. I tried to take my little band of overworked doctors, nurses, and paramedics on a vacation ( XXXX ) when the vaccine came out ( XX/XX/XXXX ). We booked a " featured '' getaway on XXXX  using my Visa card for a {$8200.00} deposit, then discovered there was absolutely no way to attend, the borders of XXXX have been closed for months. ( Now I'm in XXXX I think it was totally misleading to advertise the booking at all, it's really hard to travel here and impossible to get to XXXX and everyone local knows it, the host was really misleading as well ). 

I cancelled the booking months in advance ( XX/XX/XXXX ) but XXXX never refunded, although the listing said 100 % refund if cancelled 30 days in advance when I put the deposit down. 

I issued a chargeback with my bank Wells Fargo, and they submitted it twice to Visa ( Wells Fargo ID # XXXX, XXXX ID # XXXX ) But XXXX  just gave XXXX bad information saying that they were going to offer me a voucher instead and Wells Fargo can't appeal it. 

At the same time XXXX told me on the site that I was being refunded by the chargeback! They continued to show a refund owing until XX/XX/XXXX, then removed the refund from the account XX/XX/XXXX. ( I have screenshots of all of this ). 

I'm totally at a loss, it's basically outright theft of $ XXXX from my small business and my poor staff never got a vacation. I still can't believe XXXX could get away with it and Visa didn't defend me, why isn't the chargeback system working?
Product: Debt or credit management

Hi there so I am currently being sued by Ray Klein Debt Collection Agency for a doctor 's visit in XXXX and they didn't even file the complaint until XXXX. And I've never even heard of the doctors office they claim I owe the debt for. XXXXXXXX XXXX XXXX XXXX. 
If somebody could just get back to me as soon as possible it would be very helpful thank you.
Product: Checking or savings account

I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. 

I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # 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 602 A states : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have a collection from XXXX XXXX for a XXXX account. I've never had cable service in my entire life. I tried to dispute the charge to no avail.