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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Deletion of Hard Inquiry Due to Identity Verification Failure Dear Sir/Madam, I am writing to formally request the deletion of a hard inquiry made by XXXX XXXX on my credit report. This inquiry, dated XX/XX/year>, was conducted without proper verification of my identity and is therefore unauthorized. 

During the application process, there were significant issues with verifying my identity, resulting in the rejection of my application. Despite this, a hard inquiry was still recorded on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without proper authorization or verification of identity is considered invalid. This unauthorized inquiry is adversely affecting my credit score and overall creditworthiness. 

The details of the inquiry are as follows : XXXX. XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX : XXXX Enclosed with this letter, you will find the following documents to support my claim : XXXX. A copy of my identity verification rejection notice. 
XXXX. Proof of my identity ( copy of my driver 's license ). 
XXXX. Any additional relevant documentation. 

I called XXXX  support and asked that my inquiry be deleted since there isn't a way they can verify my identity after providing proof and documentation 3 times while also included my physical presence at a XXXX XXXX They said i can call experian and experian will call XXXX  to verify this deletion. I stated i did not want to do that because I heard before that XXXXXXXX XXXX will blacklist anyone for removing an inquiry which will result in the denial in any future requests for credit. Keep in mind all call are monitored and recorded. Representative name is XXXX at XXXX location. 
I request that XXXX XXXX  immediately investigate this matter and remove the unauthorized inquiry from my credit report. Yes it was authorized but failure to confirm any persons identity in the request for credit must be deleted. 
Please provide written confirmation once the inquiry has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt collection company is collecting a debt that we are contesting the validity of, with the creditor. The creditor, a healthcare provider, is trying to collect a debt resulting from a healthcare provider 's error in ordering the medical procedure. Furthermore, the medical procedure was never performed, so there should be no charge that I owe. 

The amount of {$160.00} that the debt collection company XXXX XXXX XXXX XXXX XXXX XXXX ) is trying to collect is part of a statement from the creditor ( New Jersey XXXX XXXX XXXX XXXX. ). We filed a complaint against New Jersey XXXX XXXX XXXX XXXX. ) for XXXX charges from different dates of XX/XX/2023 and XX/XX/2023. After complaining and without explaining the reason, New Jersey XXXX XXXX transferred the charge for the date XX/XX/2023 to the debt collector company, XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit card

I just found out that Bank of America closed my credit card last Tuesday, XX/XX/2023 and I didn't receive any notice about it. I just got a letter yesterday that Bank of America will be restricted and permanently closed my personal saving account for 30 days from the date of the notice ( XX/XX/XXXX ). I have XXXX reward points with my Bank of America Travel Rewards XXXX Signature card. The Bank of America closed my credit card without my authorization. I have XXXX reward points that's worth XXXX dollars toward travel ticket or cash. The Bank of America didn't give me that money and claimed that the account was closed and that there was nothing that they could do about it. How can the credit card company close my account without sending me my reward check? I purchased with the Bank of America credit card and I never redeemed my reward point. This is thievery! Please help me get back my money. 

Thank you!
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXX on XX/XX/year> company and credit reporting agency, Experian, stated the account was verified as accurate on XX/XX/year> and would remain on the credit report. Experian did not provide the requested validation. I submitted a second dispute for the same account on XX/XX/year> and Experian again stated on XX/XX/year> that the account was accurate and would remain without providing any validation information. I submitted a third dispute for the same account on XX/XX/year> and Experian stated the account was verified as accurate on XX/XX/year> and would remain on the credit report without providing any validation information.
Product: Checking or savings account

A bank account was fraudulently opened at Square using my personal contact information including my email address. I found out about this when I received an email notification in XXXX that an account had been opened. I contacted Square support by email and they said they could not provide assistance over email. I called support and they told me a ticket would be created and the issue investigated. They did not follow up with me or resolve the issue and I continued to receive notifications about this account. I called multiple different times over the following months to try and have the issue resolved. In XXXX I was told the issue would be escalated and investigated and then was told that the account would be deactivated. I continued to receive email notifications about bank statements and activity for this account however even after I was told this. I again called and was told it would be investigated but no action was taken and Square did not follow up about this issue. 

Despite multiple attempts on my part to have the account that was opened using my personal contact information without my authorization closed or to have my information removed this issue has not been resolved.
Product: Mortgage

Please see below. I have huge issues with the handling of my current loan. How do I complain? 


XXXX XXXX, I am reviewing your file right now. It appears XXXX XXXX maintains its handling in this matter is correct and stands by its denial of your claim. You might need to consult with an attorney to discuss the option of legal action if you choose to pursue this matter further. 

With regards to the other concerns outlined in your complaint against XXXX, XXXX maintains its position and states that it has done everything it can with your claim. Further, XXXX advises that it can not compel the mortgage company to release the funds. The Texas Department of Insurance has no jurisdiction over your mortgage company and they are not obligated to respond to any of our correspondence. As such, this issue is now outside the Texas Department of Insurance 's authority. You may consider contacting the Texas Department of Savings and Mortgage Lending.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report resulting from fraudulent activity. I am exercising my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these inquiries. 

As per 15 U.S. Code 1681i, if any disputed information is found to be inaccurate, incomplete, or unverifiable, you are obligated to promptly delete it. The inquiries listed below were not authorized by me, nor do they have a permissible purpose under Section 604 of the FCRA : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

CREDIT REPORTING : On XX/XX/XXXX, Selene Finance, LP approved and closed on a mortgage modification to help with the mortgage payment. The mortgage modification took the outstanding balance and added the PAYMENTS in arrears ( both principal and interest ) ; no change to the 8.75 % ; increased the payments from {$2400.00} to {$2600.00} ; and extended the maturity date by 60 months ( 5 years ) Was in foreclosure proceedings, until XX/XX/XXXX ( attorney representing Selene, LP vacated without prejudice ), when was approved by the New Jersey Emergency Residential Mortgage Assistance ( NJERMA ) which covered all the payments in arrears and paid an additional four ( 4 ) months of payments. 
Suffer from XXXX XXXX XXXX ; XXXX XXXX XXXX  and XXXX XXXX XXXX which rendered me unable to work from XX/XX/XXXX to XX/XX/XXXX. Was not eligible for states disability. 
From XX/XX/XXXX to XX/XX/XXXX, NJERMA paid the monthly payments, timely and Selene was aware of the payment source. 
My credit report shows twelve ( 12 ) months of past due payments. Selene, LP does not refinance, and no mortgage lender will refinance the mortgage until there are twelve consecutive mortgage payments reflecting current status. 
For the XX/XX/XXXX payment I was able to pay. The funds were deducted from my checking account of XX/XX/XXXX and through whatever processing method Selene has internally did not post until XX/XX/XXXX. 
1 ) Loan Modification INCREASED the payment. Could not make the payment prior to the modification ; thusly could not make the increase payment. 
2 ) Internal processing payments by Selene if nothing I can control/manage. 


HOMEOWNERS INSURANCE : XXXX XXXX, XXXX XXXX, no longer underwrites homeowners insurance in New Jersey. Was able to find XXXX XXXX XXXX ( XXXX ) to underwrite homeowners insurance and the cover parallel the previous XXXX policy. The first year of homeowners ; insurance was to be paid in-full as a condition ( as well as being the wiser economic choice because monthly payments include administrative fees ). 

Selene, LP was provided the declaration page which has the company as lend holder as well as the invoice from XXXX showing payment in full. Selene, LP sent out an escrow analysis which increased the payment to {$2800.00}. 


SIDE NOTES : 1 ) I can work. However, not in excess of XXXX  hours. I am employed earning XXXX XXXX. 
2 ) Have exhausted all of the Federal / State Programs offered. With the status of the credit reporting which does not meet other mortgage lenders criteria, a mortgage forgiveness consideration or program is the only other resource.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX XXXXXXXX Account # : XXXX CREDITOR : XXXX XXXXT Account # : XXXX CREDITOR : XXXX XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, Jefferson Capital System in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
Product: Checking or savings account

I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}
Product: Debt collection

A collections item was reported to the credit bureaus on XX/XX/year> for {$600.00} from XXXX XXXX. No previous notification was sent to me about this.I do not owe this debt. I had a XXXX XXXX account XXXX years ago, but I closed my account and it was paid off. I have tried to reach this Collections Agency ( Transworld Systems, Inc. ) but they are unresponsive and it is impossible to reach someone by phone. I have sent a letter disputing this debt.
Product: Vehicle loan or lease

I had a loan through XXXX XXXX, on a new XXXX  XXXX. XXXX was paid off in XXXX-XXXX. At this time the bank was going through a buy out, Now is Santander Bank.I have never received my Lien Release. I have called, I have sent faxes. No response, no lien release. I have since sold the car, I need my lien release.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has me blocked from initiating any dispute. For months now they tell me that they are experiencing technical difficulties. My credit report is also not available through XXXX as I recieve the message that a condition exists that prevents them from fullfilling my request. You call and their people tell you that the site is experiencing difficulties and to try again later but months go by with no resolution. I can't help but feel this is punishment for submitting previous disputes. I can not get a resolution to my issues in accessing my own information which they seem to be holding hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have conflicting statuses on an account I know nothing about. When I tried to contact the company one person told me that the account was closed, another person told me that the account was open, and another person told me that there was no record of the account. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never opened an account with this company : XXXX XXXX XXXX : Acct # XXXX -- - XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX Please investigate and provide Proof with statements showing that this account is opened or closed and also whether or not it is mine. If proof can't be provided I demand this account to be removed as I have been having problems getting approved for many things and this is affecting my lifestyle negatively. I have contacted them to inform them this is me and provided documentation that it is indeed me contacting them to remove this information from my consumer report. 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.

Thank you.
Product: Vehicle loan or lease

On XXXX I made my car payment of {$410.00} on the XXXX website. 
This date is before the 30 days late point. The payment was accepted and everything looked fine. A week or so later I was contacted by the bank saying no payment was made. 
After much research and talking to several bank employees it was deciphered that the bank account number used in the transaction was wrong. 
The bank blamed me for the error and said TOO BAD. 
The number in the transactions was XXXX. THIS NUMBER HAS NO SEQUENCES THE SAME AS MY ACTUAL BANK ACCOUNT NUMBERS. 
Fifth Third Bank website malfunctioned and created wrong information for my on-line transaction and they do not want to correct their error on my credit report showing a 30 day late payment. 
I have had this account for over 4 years with no 30 day late payments!! 
Money was in my bank account for this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts several times with XXXX  ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : BRITE FINANCIAL - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XX/XX/XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX  and Transunion in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and XXXX XXXX XXXX XXXX XXXX Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Product: Credit reporting or other personal consumer reports

A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. 18 USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Product: Credit card or prepaid card

I have been trying to add a bank account to pay my PayPal MasterCard bill for the past two weeks but continue to run into an error. When I call PayPal the queue is over two hours long and the PayPal MasterCard support is entirely useless and does not offer any assistance. This is unacceptable.
Product: Money transfers

As a Venmo account holder since XXXX/XXXX/XXXX, I have never encountered any issues with the web based app my friends and I use more than often and never imagined to find myself dealing with the following following ridiculous issue. On XXXX XXXX, XXXX a friend initiated the transfer of {$40.00} via Venmo and her account was immediately debited. Shortly after, we were notified the transaction was flagged and pending review by the companies compliance team due to the sender 's commentary. Please note, Venmo requires a " comment '' ( ie any keyboard stroke ) in order to complete the transaction which a majority of the time are witty/silly/nonsensical jokes shared between my friends and I. In this particular case the joke in the comment section, which again is mandated, was " XXXX is in XXXX ''. The originator then received a subsequent request for further explanation which stated " To speed up our review, please explain what you intended to pay for and describe the establishment, individual or location you referred to in your note, as applicable. '' The sender responded accordingly and explained, however the funds remained in limbo. In an effort to resolve the matter, I reached out to their customer service and requested that per our clean transaction histories, banking info/locations and IP addresses they could easily clear up the matter, however the transaction was to be canceled and funds be immediately returned to the sender 's account to which they responded with OFAC regulations. I was later contacted AGAIN with a request for a receipt as proof of purchase. 
As an employee of a highly regulated financial institution, I am regularly trained on OFAC regulations as well as restrictions on sanctioned/high risk countries etc., however with that said, I feel there is a HUGE difference between the arbitrary reference of a single word ( which is in fact just the name of a country that actually exists ) warrants this level of scrutiny/privacy infringement. The only country I have ever had any affiliation to and/or transaction with is my own, the United States and I refuse to support how far this has gone.
Product: Credit card or prepaid card

THIS APPLE CARD APPLICATION WONT VERIFY ME ITS NOT WORKING I CALL THEM TO TELL THEM THEY DONT FIX IT TELL ME REAPPLY AFTER 30 DAYS I WAIT SAME RESPONSE THEIR SYSTEM WONT VERIFY ME OR ALLOW ME TO APPLY HOW IS THIS FAIR AND GOLDMAN SACHS WONT DO ANYHTING TO ADDRESS THIS