23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This card was open XXXX or XXXX the name is capital one / Walmart I never open a credit card before they use my identity and kept using it until they did not pay it anymore. I did not know about this card until I received a statement. I demand this card get off my credit its not mine, if its not taken off I will sue to the fullest.
Product: Credit reporting or other personal consumer reports

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my My XXXX XXXX Equifax, XXXX credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



1- Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute with NFCU on XX/XX/XXXX about two charges that were paid in advance for a trip that was to take place on XX/XX/XXXX and end on XX/XX/XXXX. The first charge was on XX/XX/XXXX for XXXX and the second charge was on XX/XX/XXXX for XXXX. The other charges for the trip was paid with a different credit card. Music getaways sent an email on XX/XX/XXXX notifying me that the trip has been cancelled due to unforeseen circumstances. I called the XXXX XXXX XXXX to find out that music getaways never paid the XXXX for our reservations which led to the cancellation of our trip. Since then music getaways have sent out an email talking about refunds that he have no intention of giving. I have not spoke with anyone from this company. I have sent an email to music getaways asking for a full refund because our monthly payments were not applied to the Hotel. NFCU have issued me a temporary credit upon investigation and are still waiting for music getaways to respond. Music getaways have wiped my account clean where it doesnt show that I even purchased a trip to the XXXX XXXX XXXX XXXX Also music getaways have filed bankruptcy on XX/XX/XXXX. They are telling the banks that they have a no refund policy and they have issued credit for the trip which is all lies. XXXX giving you complete access to my accounts for your records so you can see all disputed accounts are wiped clean and no credit is applied. I have always asked for a refund never a credit for transfer to a future event. As far as the future event thats not going to happen because music getaways have filed bankruptcy and furthermore hes not allowing anyone to transfer because we filed a dispute. Enclosed I have proof that funds were never paid to the XXXX XXXX XXXX they provided all customers with this letter stating they never received payment. So the non refund policy should not apply because the event was canceled for non payment from music getaways. On top of that music getaways have filed bankruptcy and have no intention of giving us a refund or credit. Please pay attention to the Responsibility and limitation of liability section in the waiver we signed for the trip. It states that payments are not kept by music getaways all payments are paid to the hotel. I also have a copy of the email that was sent by music getaways canceling the trip two days prior to departure. Good thing I have copies of my purchase with music getaways.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of XXXX  XXXX, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX promptly investigate and remove this inquiry from my credit report. 

Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. 

I kindly request that XXXX XXXX promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. 

Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXXS XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts showing on my credit that are not my accounts! I was going over my credit again when I noticed them! I am seriously freaking out! I dont understand how this is happening to me! I never gave permision to put someone else accounts on my credit! These are unacceptable mistakes or fraud! I am the only one who has access to my personal infomation and I am the only one allowed to use it. So how does this happen? My credit is so bad right now because of this that I cant even get approved to move into a new apt XXXX Help me please!
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested because THIS IS NOT MY DEBT PERIODT! Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are alleging I must pay. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation showing me accountable for this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you. 

At this time, I will also inform you that if your office has, intends to, or continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate to bring forth legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in egregious legal trouble with the FTC and other state or federal agencies. 

If your office is able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes the listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed a pick up order from XXXX that was then picked up on XX/XX/XXXX at XXXX pm. The company processed the payment on that date. However when I got the statement from Chase they placed the order as posted to the account on XX/XX/XXXX thus eliminating the 5 % money cash back offer that ended on XX/XX/XXXX. 
When I called their customer service on XX/XX/XXXX I was then argued in bad faith ( it turned out ) the " mechanics ' of credit card transaction processing that are reminiscent of the institutional fraud in the so-called debit card-gate. It was shown that the credit company prioritized the postings of transaction in a way where the highest value transaction depletes the account below XXXX $ resulting in subsequent overdraft fees being multiplied by manipulating the actual sequence and timeline of transactions that took place. It was done by the algorithm and in this way the factual time of the transaction doesn't matter as it is manipulated to present a desired effect. BTW, the factual processing of credit card transaction regardless of point of origin take between one and two nanoseconds ( 10 ( -9 ) ) second. 
After this conversation I was then transferred ( I believe as form of retaliation ) to the Chase travel service phone number which has nothing to do with rewards credit but only a redemption of it. 
When I called again I was then given a supervisor who also wanted to get involved on the issue but after spending a 10 min conversation I was informed that she's also has no authority to address the ... ... ... {$2.00} matter. 
Here are my points : 1 ) Why is Chase using its CSRs in bad faith who produce only talking points excuses but have no authority/expertise or in some cases English language comprehension skills to address a simple issue such as this? 
2 ) Why is the Chase allowing a non-verbal abuse of customers by only wasting their time in this way? 
3 ) Is the Chase utilizing the use of XXXX as vendor for its XXXX center set up? That would explain a complete lack of authority to address issues and poor quality of its expertise which truly reflects poorly on bank and its decision making capabilities. 

I think being a good and HONEST customer with the bank since XXXX should at least oblige it to conduct its business within basic ethical standards and not obvious contempt as it was presented towards me. Do they really believe its customer base to be so stupid and financially illiterate as not to have a basic understanding of forms of payment processing set up? 
Note to the regulator : this type of " delay of processing order aka posting '' not only disadvantages customers in the rewards dept but it is also widely used in transactions regarding forex. In this way the bank can hold off with processing it when it gets analytics of the currency 's move for the next one or two business days thus charging customers higher exchange rate fee than it was at the actual date and time of the transaction. This is actually a type of reverse front running which is banned in high frequency forex transaction but due to the nature of the credit card business it is allowed on the end of it.
Product: Payday loan, title loan, personal loan, or advance loan

OMF. OneMain Financial. Was not told that the payment would = XXXX the loan amount and the vehicle was loaned money against it and the value of the vehicle was half the loan value. I am a XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}
Product: Credit card

I have been paying off the amount on my American Express credit card every month, on time, or so I thought. I pay the bills for my American Express card when they show up in my bank account 's bill pay -- I briefly look at the charges and pay the amount at the top. Unfortunately, or I suspect on purpose, I am seeing my bills so close to the due date that my payments are apparently always showing up XXXX  day late ( this is according to their customer service ). American Express have been charging me late fees and 30 % interest on these full payments showing up XXXX day late. Apparently, they have been sneaking interest charges and late fees in at the bottom of my bills so I have not noticed them until now. I am someone who has the money and pays my bills every month, yet have somehow incurred $ XXXX of fees since XX/XX/year> on my bills. I have paid the total I owe and closed my account. This is an outrage. Thankfully I am someone who can pay this off when I noticed this fraud but many others don't. What an outrage. I won't be doing business with them again soon.
Product: Credit card

I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.
Product: Consumer Loan

Letter to Lender : Re : - Pay Pal Smart Connect AccountLender : As confirmed today, in my conversation with XXXX, the Smart Connect Manager on duty, on XXXX XXXX, XX/XX/2010 at XXXX XXXX my account has no late payments and payments are paid {$10.00} above the minimum due balance, but because Lender has randomly checked my credit and is n't comfortable with my performance in other matters has decided to lower my limit from {$300.00} to {$160.00} and has informed the credit bureau of such action. 

So in effect, you have benefited from the interest earned from my payments and despite my perfect payment history with your company, I am being penalized for actions in other matters. Why did Lender even decide to grant this account to begin with, it is a no win situation for me. 

I am sending this letter to the banking commission for their consideration and to the credit bureaus. 

Your actions are unconscionable.
Product: Debt collection

Ive contacted the company to let them know that I am a victim of identity theft but the company didnt take any care to it. Ive mailed them my identity theft report from identity theft.gov my drivers license As well as my police report from that specific city. They mailed me back a letter saying the information was verifiable due to an online lease that did not have my actual signature only an electronic one that I never gave consent to. That was the only information that was provided to verify. Ive also took it upon myself to email them my ACTUAL lease during those dates at an entirely different apartment. None of the information that they gave me is verifiable, and Ive provided plenty of of documents in detail stating that this was a result of identity theft.
Product: Credit reporting or other personal consumer reports

There is information disallowed by federal law that is on my credit report. This is suppose to be excluded. I never gave my consent in any form for this excluded information to be on my credit report. I am being taken advantage and harmed by Experian 's disregard of the law.
Product: Debt collection

I received a letter stating that I owe  XXXX   XXXX   XXXX  as of  XXXX   XXXX ,   XXXX  , when I paid my last payment of the amount on  XXXX   XXXX ,   XXXX   I was told by the debt  collectors  it will be taken off my credit report in 30 days and it 's still on my reports. I would like for them  2  take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX
Product: Credit reporting

I called Experian on XX/XX/2016 and spoke with XXXX regarding the results from the reinvestigation of my credit report. He asked for me to verify my private information and afterwards asked me how me could help me. I told him that I did not agree with the investigation results pertaining to the account XXXX XXXX that was showing as updated on my credit report. I asked XXXX to tell me how the account was verified, because I have the right to know. XXXX informed me that he did not know specifically what method was used, and if he did know ; he did n't have to share that information with me, because that is confidential information between Experian and the original creditor. He stated that the original creditor is the paying customer that furnishes the information on my report ; so they are the only ones who could gain records or make any changes in regards to information pertaining to my credit file. At that point ; I was so distraught and I became very upset. I told him that according to the FCRA, I have the right to know and by law I am entitled to receive that information if I requested it, because this credit file that Experian is holding is pertaining to my livelyhood. At that point ; he told me that he could not help me with that information, and if there was anything further that he could assist me with. I told him that he is violating my consumer rights, and I demand to speak with his supervisor immediately. He told me that he will transfer me to XXXX XXXX to further assist me. At that point he made disconnected my call completely. I immediately called back for assistance, and after my information was verified ; I was directly routed to XXXX XXXX who was unavailable to assist me. I have to say that I have been violated in the worst way when it comes to my consumer rights and being treated fairly. I am so hurt ; literally in tears as I write this, because I have rights, and he treated me as if I was scum on the bottom of his shoe. He treated me as though my demands or request did not matter. I want this report completely removed from my account, and this employee should be fired for treating law abiding citizens like this.