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

To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiries appearing on my credit report. The inquiry in question was conducted by ( see below ). I categorically deny having authorized this inquiry, nor did I engage in any transaction or application for credit with this entity on or around this date. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Via Dealer Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Via Dealer Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Via Dealer Inquiry Date : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and request its immediate removal from my credit file. The FCRA stipulates that credit reporting agencies may only furnish a consumer report under circumstances where there is a permissible purpose, as defined by 15 U.S.C. 1681b. Unauthorized inquiries not only violate my rights under the FCRA but also jeopardize my creditworthiness and privacy. 

Enclosed with this letter are the following documents to support my dispute : I hereby request that XXXX undertake an investigation with the creditors regarding this unauthorized inquiry. If the creditor is unable to provide irrefutable evidence of my consent, I demand that this inquiry be expunged from my credit report. Furthermore, I request written confirmation of the outcome of your investigation and the specific actions taken to rectify this matter. 

Should this issue not be resolved promptly, I am prepared to pursue all available legal remedies to enforce my rights under the FCRA, including but not limited to seeking damages for negligent or willful non-compliance as provided under 15 U.S.C. 1681n and 1681o.

Thank you for your immediate attention to this urgent matter. I look forward to your swift response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within XXXX business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Debt collection

closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report
Product: Credit reporting or other personal consumer reports

" noticed several unauthorized inquiries on XXXX credit report that I would like removed XXXX them that according to the FCRA these unverifie and unauthorized items must be removed. '' XXXX XXXX XXXX
Product: Debt collection

XXXX  has sold an alleged debt to a third party creditor. My personal information was passed on without my consent.
Product: Checking or savings account

I deposited roughly XXXX dollars into the Chase ATM. The machine spit out a recipe stating that it was no longer functioning. The cash was never deposited into my account. Day 5 and still waiting even though I have to pay bills, eat, etc. I am worried about overdraft fees. After calling them and spending a lot of time on the phone they said there was nothing they can do. I tried to get them to expedite, but they dont care.
Product: Credit reporting or other personal consumer reports

I was not informed that my account was XXXX past due. I don't receive paper statements because I have not charge anything on this account for quite some. I have only used XXXX pay and continued to pay each month with transfers somehow it was cut off {$10.00} still due. I have been a customer of Bank of America since 2017 and I have NEVER once been late for over XXXX years on any of my cards. It's impossible to speak with a supervisor or anyone in charge of Credit reporting to investigate error. Not only did it show a late charge all credit reports it dropped my score from XXXX XXXX just before I was trying to get a loan. Thats over XXXX points and devastating after I have work so hard for years to perfect and protect my credit. 
I am referring to the LAW. 15 U.S. Code 1681s-2 : Responsibilities of the furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate information. ( 1 ) The Banking systems is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. I have been an outstanding customer for over XXXX years. I have personal accounts and an excellent business relationship and have been an excellent customer. It so unprofessional that can't even talk to a person who has any authority. This not fair credit reporting. Please remove this XXXX late charge on all credit reporting agencies. This was on my personal account.
Product: Mortgage

I am in the process of closing on a FHA mortgage and I am financing the MIP. So instead of my loan amount being {$200000.00} it is now {$200000.00} including the XXXX % MIP charge. But I received my Closing Disclosure ( XXXX XXXX and although I am financing the XXXX % MIP, They are still asking me to bring that amount of money to the closing table. Can you please advise before I sign the closing disclosure and close on this loan. Thank you very much.
Product: Debt collection

After reviewing my credit file it has to my attention that Accelerated Financial has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at Accelerated Financial. Idid not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of Accelerated Financial company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.
Product: Checking or savings account

Current ( https : //current.com/ ) sent me a debit card ( received on XX/XX/XXXX ). I did not applied and there was no credit background check. The account number is XXXX called and asked them to close it on XX/XX/XXXXXXXX  however, the customer Service Representative wanted to report the management and the management would decide to close the account after evaluation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagging posting of charges and credits. This issues aligns with the most recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Back in XXXX i filed a dispute on a late payment with XXXX. Experian disputed the credit card as not mine. XXXX closed my credit card because they thought it was open fraudulently. I called XXXX  XXXX and filled out a identity form confirming my identity with my driver 's license and ssn card. I also had the form notarized. XXXX told me they can't re open the card unless Experian contact them and tell them it was an error on their part. I contacted Experian and they promised to fix this and contact XXXX  so the account can be reopened. As of XXXX Experian still have not contacted XXXX XXXX and is now stating they cant help me.
Product: Debt collection

XX/XX/XXXX i received an email stating that I was late on my payment. THe email stated " This reminder is to let you know your payment in the amount of {$330.00} was due on XX/XX/2018. '' So i called on XX/XX/XXXX to figure out why I was behind. I knew i made a payment on XX/XX/XXXX for {$160.00} and a 2nd payment on XX/XX/XXXX for {$160.00} to make my full payment by the due date. But when i checked online it said that i owed {$150.00} plus my XXXX payment of {$330.00}. I explained the above about how i paid and the rep said that because i alloted my second payment to certain loans that interest accrued and I owed it. I told him that i made the monthly payment amount though. He said he create a re-allocation request that would take 7 days. I then thinking about realized how could i owe {$150.00} extra when i made a payment to each loan and targeted {$150.00} to the loan with the highest interest rate. So I called back on XX/XX/XXXX and spoke with a different rep. She stated she didnt know why it showed I still owed money when i clearly made the full payemnt with my two payments and i allocated a dollar to each loan. She said that she would request that my account be adjusted as she sees the payment. she stated that would take 3 business days. So i waited until XX/XX/XXXX evening to check on the account. Neither of the requests occurred but I made my payment of {$160.00} again on XX/XX/XXXX. Yet on XX/XX/XXXX it showed i still owed {$320.00} rather than only owin {$160.00}. So i called again to follow up. The new rep stated that when i allocated i didnt satisfy what i owed for each loan. By alloting a {$1.00} on each loan except for 1 with {$150.00} that the others still had to be paid their stated payment amount for each one. I asked her then why is there an option to allocate funds to certain loans within my payment amount. she said that only if you paid more than you agreed payment amount could you allot more funds to go to a certain loan. This is a deceptive practice which essentially forces payers to not allot funds and payoff loans with higher interest rates without paying an amount much higher than their agreed payment. Essentially, I'm on an income based payment plan that they decide the payment but a student can't allocate funds even though on the payment screen has a section to do so. This gives student repayers no options except to pay more than they can afford and not target loans with high interest rates based upon the payment the income based rate or repaye rate assigns to them. XXXX tried to make me pay {$150.00} extra dollars than the agreed {$330.00} amount that they set as my affordability range for XXXX.
Product: Vehicle loan or lease

To whom it may concern I purchased a XXXX XXXX in XXXX, XXXX from the DriveTime store in XXXX XXXX, VA. 
After moving to Virginia. 
In XXXX, we had a family emergency and for a short while, I was unable to work. I was still making payments the best I could. 
I got a job and the car stopped working. I paid close to a XXXX dollars for repairs and then rented a car in order to commute to work. 
A few months later the car stopped working again. And I wasnt able to pay for the costly repairs. 
The car was repossessed. 
The problem is. XXXX XXXX dollars is showing on my credit report. The account is in collections. I shouldnt have to pay for a vehicle that was repossessed because it was inoperable at no fault of mine. 
Please remove that from my credit report. 

XXXX XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the erasure of the fraudulent information on my credit reports have gone unanswered despite the several written letters I've sent to the three credit bureaus. XXXX, Equifax, and XXXX Credit Bureaus never responded to the last letter I gave them, which was dated XX/XX/XXXX. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, states that it is not authorized to continue reporting unverified information without any supporting documentation within the time frame permitted by law. Their willful non-compliance has violated this provision. Additionally, the Credit Bureaus disregarded Section 605b of the Fair Credit Reporting Act, which requires them to delete any accounts and information that the customer determines to be the result of identity theft. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can assist me in getting the following things removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$23.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows 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, INQUIRY - XX/XX/year> XXXX - XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit card or prepaid card

My card was stolen on XXXX XXXX weekend, from my vehicle. Approx. XX/XX/XXXX. I did not realize my card was missing until I logged onto the American Express Serve card app. There were 14 charges, 11 at 5 different gas stations. XX/XX/XXXX, I immediately called American Express Serve to notify them. They filed a dispute. 
I followed up with a police report & submitted my supporting paperwork. I called customer service to inform them I needed my full card number so the police could execute a warrant for the businesses that my card was used at, I was told they have no access to my full card number. I was told I would be contacted within 10 business day with a decision. Today, I was sent an email saying they were denying my dispute. I only get my payroll check direct deposited on this card. I then take my money off the card. I do not use this card to make frequent purchases. American Express Serve allowed a their yo use my card multiple times at gas stations and other locations. The 11 gas station charges were suspicious and should not have even been allowed to be charged. I am very unhappy with this prepaid company.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, XXXX XXXX   AND RENT RECOVER LLC.
Product: Mortgage

I contacted Bank of America ( whom my mortgage has been with for the last 10 +  years ) to refinance. I was connected with loan office XXXX XXXX. I asked that we not proceed until he checked my debt to income ratio to make sure I would qualify. He claimed he did. He then asked for {$600.00} to do an Appraisal. I told him in no uncertain terms that I did not want to pay that unless he was sure it was going to go through. He said no problem. I also asked him that if for some odd reason it did not would I get that money back as I have no need for an Appraisal. I have an email stating from XXXX XXXX stating I would. Because of his miscalculations the refinancing did not go throught and now they refuse to give me my {$600.00} back. I have contacted them at least 10 X. No one will call back and now get an email from him stating that they refuse to give the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. 2. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. TransUnion has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Product: Debt collection

I received a medical bill for approximately {$600.00} from XXXX XXXX XXXX XXXX  I didn't pay this because it wasn't submitted to my medical insurance properly. So it was sent to a collections agency. After speaking repeating with XXXX XXXX XXXX XXXX, they resubmitted to the insurance company and they paid {$450.00} leaving a balance of {$160.00}, which I paid to XXXX XXXX XXXX XXXX on XX/XX/2020. 

The problem now is a collections company called Access Receivables calls me multiple times a week demanding {$600.00}. I've told them to stop calling and it continues. They call me from XXXX.