23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight attempts to tell you that my complaints must be resolved regarding to these inaccurate informations that are still repeated reporting on my credit file. I am asking for your help to investigate these informations and i think these items does not belongs to me and i never signed any agreement about this.The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care about this, so again, i am requesting a clear copy of my credit report without any erroneous informations again. These items must be deleted NOW : XXXXXXXX XXXX  XXXX XXXX Balance {$1000.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Product: Credit card or prepaid card

USAA is unlawfully withholding {$9300.00}. They mistakingly processed {$9300.00} return to an external bank when {$9300.00} should have been issued to me, as per their procedures. AND then they refuse to correct the problem, thus misplaced MY {$9300.00}. 
I want my {$9300.00} back to me, and I want criminal charges against USAA for illegally holding my money.
Product: Mortgage

SLS continues to request the same documents over and over again, even though they tell me over the phone they have them in their system. They have XXXX copies now of the complete short sale package. My property is in foreclosure and we have an active buyer that is ready to move on now. I feel SLS is not handling this manor in a professional way. They have called me names over the phone, asked me if I work at XXXX XXXX, while thinking they had the phone on mute. I have requested to speak to a supervisor.
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 I 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: Money transfer, virtual currency, or money service

I was sent a txt alert through XXXX asking if I authorized a payment for XXXX and when I called and was transferred to there supposed fraud dept and then to my bank to make sure the payment didnt go through. There was a very publicized case from a women in XXXX Oregon who fell for the same scam XXXX and her claim was denied through chase until she fought it, and was issued her money back. Im trying to figure out how to move forward with fighting this Ive contacted chase and refilled another claim for this. Although it seems without further assistance the banks can deny. From what Ive read there are federal laws in place for this?. Any help is appreciated. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX CAPITAL ONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX *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 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

Unauthorized Credit inquires from multiple places that are unknown of
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your office after I ordered a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The reason for my complaint. It looks someone create an account in Klarna using my information and I am receiving phone text about to send a code. But I never created an account with that company.
Product: Payday loan, title loan, or personal loan

Financed solar panels and extra $ to reroof and XXXX, after panels were installed XXXXXXXX XXXX XXXX  XXXX tx kept the remaining money and have not done any other work thats specified on the contract. Goodleap ( lender ) is not assisting in getting contractor to respond or complete work or cut check so I can complete the work myself with another contractor.
Product: Checking or savings account

On XX/XX/2022 I was XXXX XXXX XXXX in I need help with medical bills and getting my perceptions also Im out of work and not making any income at this moment Im {$20000.00} in back rent and hospital bills
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL SERVIC Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my XXXX  credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report
Product: Vehicle loan or lease

USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX and XXXX if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item
Product: Student loan

I am the borrower. I sent forms to Navient to update the bank account for monthly automatic draft payment from my bank, for XXXX different loan payments. I received a generic confirmation by mail that did n't show the date the payment would be drafted or much other information. Navient set up XXXX of the XXXX payments so that it would be drafted after the due date and they could charge me a late fee. The first month after the account was updated, I noticed the payment was n't drafted from my bank account so I logged into the Navient website to check on it. The Navient site confirms that the loan payment is set up for automatic payment which they call " Auto Pay. '' The payment was marked " Pending '' on the website. I have printouts of this from the website. There was no indication what day the automatic payment would be drafted from my bank. I immediately paid again by using Navient 's website to pull another draft from my bank, but Navient charged me a " late '' fee for that month and then drafted BOTH payments from my bank account. Navient has n't given me the option on how to apply the extra payment. Navient intentionally set up the automatic draft so that it would draft after the due date and they could scam a late fee from me. The payment that Navient decided to draft on time was the Federal consolidation loans. The payment that Navient decided to draft late was the private business education loan. Navient set up the call-in help line so that it is almost impossible to reach a person. Navient 's number disconnects callers after they have been going through the menus for minutes. If the caller ca n't find an option that describes their situation the call disconnects. If the caller takes too long ( per Navient ) the call disconnects. If the caller calls after work the call disconnects, because Navient closes the line outside daytime weekdays. Navient has done everything they can, short of disconnecting their phone altogether, to add on illegal fees and avoid talking to borrowers and avoid making corrections.
Product: Mortgage

Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Product: Credit card or prepaid card

I discussed with Bank of America via phone call, the ways that I might manage my credit card debt including reducing my amount owed, the possibility of declaring, cashing in a retirement account to cover the amounts owed. 
There are three credit cards in question ( accounts ending in ) : XXXX, XXXX Several days after I had the conversation ( as described above ) with a representative from Bank of America, the three cards in question were declined when attempting a purchase/transaction. I had no knowledge as to why they were all three declined. Four days later, I received three letters ( see attached ) telling me that Bank of America was notified that I intended to declare bankruptcy, consequently the three credit card accounts were closed. All three accounts had remaining credit and none were delinquent.

My discussion with the bank representative included the fact that I had considered bankruptcy, but it was not definitive. BOA has nothing in writing regarding the possibility, let alone intent, to declare bankruptcy, yet they cancelled three credit card accounts. The closed accounts will effect my credit score and forced an extensive process of closing automatically paid accounts related to those three credit accounts.

I do not believe that a conversation about the possibility of filing bankruptcy is sufficient grounds on which to close three credit accounts without warning.
Product: Bank account or service

Santander Bank did not process and route check properly, Santander Bank did not present check to Federal Reserve, Deposited on XXXX/XXXX/2016. Returned check with unauthorized marks Frozen/Blocked Account. Spoke with XXXX, she refused to honor the rights of a substitute Check Warranty.
Product: Checking or savings account

On XX/XX/XXXX Chime closed my account and sent an email out stating that I violated their user agreement. I called them and they said a check with my remaining balance would be sent within 30 days but would not provide a reason for cancellation. I emailed again XX/XX/XXXX and XXXX asking for status of the refund and why my account was closed. They could not tell me they said. I went ahead and emailed and called a few more times until XX/XX/XXXX I received an email stating my account was ineligible for refund. I asked why and they did not provide the answer. I got on an 1hr and 28 min phone call with their member services team where they stated they had no supervisors and discouraged me from trying to speak to the supervisors I was transferred to 8 different people who I had to reexplain my situation to. They all read the same script from the email and were at the same level of the chain and said their is no course of action I can take and nobody to talk to that can review the situation. I received more emails that day replying to my email about the course of action I should take and why exactly and what I violated. They only apologized and did not elaborate. I then messaged the Chime XXXX on XXXX XXXX who replied and said her team will look into this. The back story to this situation is I am in the XXXX XXXX and used the app to receive money from family back home who were helping me out with a bill. I have XXXX dollars on the account and only wanted a refund at least. My lawyer told me to file this complaint after reviewing the documents.
Product: Credit card or prepaid card

In my XX/XX/2023 credit card statement from Bank of America ( BofA ) for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed there was a balance transfer for {$5900.00} from an XXXX XXXX  with the last XXXX digits of XXXX. There was also a {$170.00} transaction fee for the transfer from BofA. I also noticed another balance transfer of {$1900.00} from a XXXX  XXXX card with the last XXXX digits of XXXX to my same BofA XXXX XXXX XXXX on XX/XX/2023, plus a {$57.00} transaction fee. I immediately contacted the Fraud Department of BofA ( XXXX ) and notified them of these fraudulent charges. The person I spoke with told me that BofA would immediately close this card and re-issue a new card, along with reimbursing my account in the amount of {$8000.00}, which was done. On XX/XX/2023, I received a letter from BofA stating, " Unfortunately, we're unable to approve your recent claim. '' This was due to their research, and the amount of the transactions was being added back to my credit card balance. '' I immediately called the Fraud Department again to have them review this case again, as their explanation of why this dispute was denied made no sense. I spoke with XXXX then, who told me I needed to write a letter to the BOA Claims Resolution Department in XXXX, TX disputing this claim and decision from BofA. My letter would escalate this claim for further review, and I would receive a call or email regarding the resolution. I immediately sent the letter as requested to BofA. No such call or email was received. I contacted the BofA Fraud Department again on XX/XX/XXXX. I spoke with XXXX requesting an update as to the claim review. I was told that the claim was re-opened for review, but no decision has been made. XXXX said that she would expedite the claim, and I should receive a call from BofA within 3-7 business days, depending on their workload. To date, I have not received a call or any other correspondence from Bank of America. On XX/XX/2023, I once again called BofA 's Fraud Department and spoke with XXXX. XXXX apologized for the inconvenience this has caused and would escalate this to a Manager within the departmentstill no correspondence from BofA on the issue. 

The only thing I have received is interest charges averaging over {$250.00} per month. These XXXX transactions are also maxing out my credit limit at 100 % on this card. This is beginning to affect my credit scores due to the credit utilization on this card. I have reviewed my credit reports, and they do not show me owning an XXXX Credit Card or a XXXX XXXX XXXX account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls