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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

We currently have a loan through XXXX. Because we wanted a by-weekly payment plan the loan payment is handled through XXXX XXXX XXXX XXXX. ( Formerly known as XXXX ) When we contacted them because we had no record of them deducting our payments, they told us that payments were being made on schedule. We asked for a statement and were told that they ( eq.accel ) do not provide statements. Tried to register online and cooincidentally we ca n't register our loan. We smell a " Rat '' and are asking Consumer Finance Bureau to look into this. Are they not required to provide a statement or method of record keeping on payments being credited to our home loan? BTW we would never do business with XXXX again. We experienced nothing but grief at a number steps. Not because of our house value or credit history but their " we do n't care '' attitude.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report related to my account with XXXX  XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ). Below are the specific details of my complaint. 
Account Information : Account Number : XXXX Account Type : Installment Account / Secured Loan Credit Reporting Agencies Involved : TransUnion, Experian, Equifax Details of the Complaint : 1. Inconsistent Reporting of Account Status and Dates : The account is reported as " Closed '' with both TransUnion and Experian. However, the " Date Opened '' is listed as " XX/XX/XXXX '' with TransUnion and " XX/XX/XXXX '' with Experian. This inconsistency creates confusion regarding the account 's history. 
XXXX. Different Payment Terms : The payment frequency is reported as " Monthly '' with Experian and " Weekly '' with Equifax. This discrepancy misrepresents my actual payment obligations and could mislead potential creditors.

3. Balance Reporting : The balance is reported as " {$0.00} '' with both Experian and Equifax, but the monthly payment is listed as " {$500.00} '' with TransUnion. This inconsistency does not provide a clear picture of the account 's status.

4. Comments and Payment Status : The comments section states " Paid satisfactorily '' with Experian and " Pays account as agreed '' with Equifax. However, the discrepancies in payment terms and balance raise concerns about the accuracy of these statements. 
XXXX. Date Last Active : The " Date Last Active '' is reported as " XX/XX/XXXX '' with Equifax, which does not accurately reflect the last activity on the account. If the account was closed before that date, this could be misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for the Platinum Card from American Express with offer spending {$3000.00} for the first three month then I can get XXXX membership reward points on XXXX 2016. And I did spend a total {$3600.00} ( exclude {$450.00} annual fee ) within first three month. However, I do not know why my XXXX points were claimed back on XXXX/XXXX/2016. I did not get any kind of notice or explanation. I do contact customer services serval time, and was told that I might return something and made my total spending less than {$3000.00}, after I checked my billing statement I am sure that my total spending were more than {$3000.00}. I feel so disappointment about this behavior of American Express.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX XXXX XXXX XXXX, I initiated a wire transfer over the phone with USAA to XXXX XXXX XXXX who hosts the XXXX XXXX XXXX XXXX XXXX XXXX platform for {$2300.00} plus a {$20.00} fee. 
XXXX, I received a notification my transfer was reversed without my authorization. 
XXXX, I received a notification of a security concern. I called in and was immediately connected to security services. They told me my account was under review because the representative didnt fill in the reason for the wire and it was flagged by the FDIC XXXX My accounts were in good standing. There would be no negative impact on my accounts because the cause of this situation was not my fault. 

I called into USAA six times on XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each time I received a different explanation as to why my account was locked, unlocked, or told there was no information given as to why my accounts were unavailable to me. The fraud department refused to inform me of what the fraudulent activity on my account pertained to. USAA is not required to tell me. 

It wasnt until the last call at XXXX ( XXXX ), I was finally transferred to the Member Relations Department. It was then explained to me my account was under review for the third time because I appealed USAAs decision to close my banking accounts. 

USAA has no authority to dictate how I spend my money. If there was fraudulent activity, I would have altered them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I was going to purchase a car rental with XXXX and notices a promotion for a credit card that offered a statement credit and 0 % interest if I applied for it. Come to find out it's managed by Barclay. So, I applied and instead of being approved it stated more information was needed. I would be contacted back within 30 days. 
This is the second time this has happened with me and applying for a Barclay credit card. I did this with Old Navy as well to receive an additional % off and the same thing happened. I ended up not being able to use the extra % off for the purchase I was trying to make. 
In my opinion this is false advertising and possibly fraud. They're offering a promotion and then not approving consumers to get the promotion for the purchase. I have excellent credit and my debt to income is very low. So, there's no reason I shouldn't have been approved right away. I did this same thing with a XXXX credit card through XXXX last night and was approved right away with a high limit. I was able to utilize the promotion offered because of this. 
After this I called their customer service and eventually was transferred to their customer Security Department. I was informed that I was approved but my account number hadn't been processed yet. So, if I was approved 15 minutes after I applied why wasn't it approved so that I could use it for my purchase and the promotion? 
I'll tell you why!!! Barclay uses these promotions for a bait and switch. They offer them so people apply and then make it impossible to get the promotion for the purchase you're trying to make. 
THIS SHOULD BE ILLEGAL!!! Something needs to be done about this because it is a complete invasion of a customer 's trust. When dealing with a well-known company that is trying to handle our money, we shouldn't have to worry about getting screwed over. 
Thank you so much for hearing me out and hopefully handling this great injustice.
Product: Checking or savings account

On XX/XX/2022 XXXX I received an email notification from chime titled Action Required : Please Reply Hi XXXX XXXX We are reaching out to you because, during routine monitoring of accounts on Chimes platform, we identified that you may have created two or more Chime Checking Accounts. This may have occurred accidentally at enrollment, however, Chime does not permit members to have multiple Chime Checking Accounts. 

In order to avoid any account disruptions, please provide the following items for review : Primary government-issued photo ID, such as a Drivers License or State ID card ( copy of both the front and the back ) A photo of your signed Social Security card Please provide the email address & phone number that is associated with your primary Chime account. 
How This Impacts You Please note : There is no impact to this account at this time however, you will need to respond to the above question ( s ) within 5 business days to avoid potential account access restrictions. 

I sent all documents requested the same day XX/XX/2022 multiple times. I called and contacted member services and they told me the account has been suspended while they investigate which could take 48 hours. I contacted chime again through email XX/XX/2022 asking for an updated, chime responded : Hello XXXX, Thank you for reaching out, we have received your documents and explanation. We will provide an update regarding your account status within 2- 3 business days. Please be advised that replying to this email multiple times prior to the time frame provided may cause the review time to be extended. 

Thanks, Chime Team
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/2024 Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : Premier Bkcrd/First Premier Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I order siding from XXXX. About 5 days later I received my receipts in the mail and noticed it was not what I ordered. I called XXXX  and told them of the wrong items and was told they would cancel the order. Over the next several months I kept getting emails saying more of the wrong ordered arrived at XXXX. I immediately would call XXXX  letting them know that that order was canceled but still the emails kept coming. So, I disputed the transaction but still the emails kept coming. After about 2 months, and while it was being disputed for over month, XXXX shipped the wrong items anyway. Now they are saying I owe them {$3000.00} in restocking fees and delivery fees. Just for the record, the person at XXXX admitted they made a mistake by sending the order and apologized and said they would pick it back up which they did. 

Now I'm asking CFPB to get involved because the credit card company that I disputed this transacting with, I don't believe, is even reviewing this case. I was initially told by the credit card company It normally takes 30 to 45 days to hear back from them, no problem. I sent them my statement and about 30 to 45 later they denied my claim. They wanted me to send them more info so I did, still denied. They asked again for more info so I faxed them more info on XX/XX/XXXX and by XX/XX/XXXX they denied my dispute again. Personal I think this is fraud on their part. Please look in to this for me. If you need anything please let me know. Thank you
Product: Vehicle loan or lease

I have sent several letters via certified mail to Credit Acceptance, XXXX, XXXX and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX and XXXX The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX Credit Acceptance has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on Credit Acceptances behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding Credit Acceptance is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that Credit Acceptance, XXXX, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Product: Credit card or prepaid card

I requested in writing a credit card back in the month of XXXX for personal use and was denied. I contested the denial pursuant to Truth in Lending Act and have not received a response to complaint case XXXX ; complaint # XXXX mentioned above requesting full disclosure since. Aside from the courteous assistance provided by Assistant manageXXXX XXXX I have not been able to acquire an open-credit card. 

see full credit discrimination complaint and correspondences attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company pull my credit report to many times with out my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Product: Credit card or prepaid card

Received a credit card bill from XXXX  - XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with balance of XXXX due by XX/XX/XXXX. I paid the balance in full by the establish due date. In XX/XX/XXXX, I received another bill for {$32.00} for Interest charge on purchases. I contacted the company through their customer service department and was told it was just a mistake and would be corrected within 5-days. In XX/XX/XXXX, I received another bill indicating a previous balance of {$32.00} with additional fee charges of {$34.00} for a total of {$67.00}. Once again, I contacted the company through their customer service department and asked to speak with a supervisor. After being placed on hold for what seemed like 15 to 20 minutes, I was told the issued had been identified and would be corrected within 5-days.  XX/XX/XXXX, I received another bill with debits and credits totaling {$74.00}. once again, I contacted the company through their customer service department. I was informed the issued will continue to occur until someone on their end can get in front of it. ( whatever that means ). In the meantime, the company continues to report harmful negative and incorrect information to credit bureaus regarding my personal credit worthiness.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration
Product: Vehicle loan or lease

Drivetime, XXXX XXXX  and XXXX XXXX XXXX all have extorted me by breach of fiduciary responsibility in handling this trust account that was created via my social security cestui que trust. I as the consumer and beneficiary received no benefit of all these unlawful actions taken against me to liquidate my trust, also filling fraudulent tax forms to help aid in there fraud against me. As stated in 16 CFR 433.1 ( i ) i only held the instrument that evidences the a debt arising from the financed sale. The contract that was defaulted on was a contract between the seller and creditor as defined in 16 cfr 433.1 ( F ). I am in fact the holder in due course and have claims and defenses i can and will be asserting against this dealership for unfair and deceptive act and practices done against me as stated in 16 cfr 433.2.
Product: Credit card or prepaid card

On XX/XX/2021 I was going through my bills and came across a old XXXX XXXX  statement. I called the number on the bill. I got an automated voice and asked me to certify my identity and it had me put in my full ssn. Then it directed me to a person and it didn't sound legitimate. I XXXX the number I called while on the phone and it said that it was a Scam. Now I'm worried I'm at risk for identity theft.
Product: Payday loan, title loan, or personal loan

I got this loan without even looking at ridicules interest and high payments, still trying to help my family out.