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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with citi financial/Macys for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against Macys XXXX-complaint against citi finiancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on XXXX and Equifax and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.
Product: Debt collection

I am filing a complaint against Midland Credit Managment Inc and XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Midland fails to provide me with information stating I have done business with their company or if I have permission for my information to be sold to them. I have never done business with this company nor have I given them access to my credit. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. These are fraudulent collections and charges. And I demand they be deleted from my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax disputing an unauthorized inquiry on my report due to fraudlent activity. This call was placed XX/XX/XXXX. 

I was instructed to contact the FTC to file a report which I did and forwarded to Equifax I complted that task XX/XX/XXXX. 

I sent a copy of the letter with a copy of my CDL and copy of my social security card.

I contacted Equifax when I discovered that 2 of the inquiries were removed but not the third. XX/XX/XXXX I made that call. 
I called to times after and was told that I would take up to 30 days. 

My most recent call on XX/XX/XXXX I was told that the inquiry would not be removed because I didnt send a copy of my cdl and social security card which was false. 

I then decided to mail a cover letter, copy of the FTC report, copy of CDL and social security card again on XX/XX/XXXX and I sent this overnight and was received XX/XX/XXXX at XXXXXXXX XXXX 

Also included the FCRA requirements for the removal of this inquiry within the 4 business days outlined in : 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 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Today is XX/XX/XXXX and the report has not been updated and I have not received a new copy of my credit report
Product: Credit card or prepaid card

I assisted to a Dillards store. The lady at the cashier offer me a Rewards card. I told her many times that I wasn't interested in a credit card, arguing that she was offering a rewards card and not a credit card. 
I told her maybe 3 times that I didn't want to apply to a credit card, because I recently got my SSN and I was starting to make credit history and I knew that it might affect my score. 
She insisted that she was not offering a credit card, so I finally agreed to apply for the " reward car '' that in theory would give me cash back or points as many stores do with XXXX cards. 
She intentionally cheated on her intentions and I unfortunately felt on it. Perhaps it was that Its not my native language.
Product: Credit card

Hello, My name is XXXX XXXX XXXX, XXXX XXXX XXXX and I am the holder of a Chase Business credit card. 

. I am disputing the following charges : XX/XX/XXXX, {$250.00}, XXXX, XXXX XX/XX/XXXX, {$9900.00}, XXXX, XXXX XX/XX/XXXX, {$7700.00}, XXXX, XXXX XX/XX/XXXX, {$9600.00}, XXXX, XXXX On XX/XX/XXXX & XX/XX/XXXX, I was in transit between XXXX, XXXX and the XXXX. 

When the fraudulent charges happened, chase was contacted immediately, a new card was issued, and the charges were reversed. 

In XXXX, XXXX, these charges were back in my account. 

I believe our card was cloned and used in XXXX where the fraudulent charges were made. 

I have not been to XXXX for over XXXX decades. I have not purchased any goods or services from XXXX. 

The company XXXX provides XXXX XXXX XXXX in XXXX. They are XXXX XXXX  My assumption is, someone used our card to pay XXXX XXXX XXXX XXXX  payments require a contract or a receipt. 

I have sent an email to XXXX, XXXX requesting the charges to be refund imediately and proof of a sign receipt so we can give to the authorities for further investigation. We have not received a reply yet. See email attached. 

Chase stated the transaction is valid because they emailed me on XXXX, 5 days after transaction occurred, requesting confirmation the charges were legit and we replied yes. 

I have confirmed with our XXXX XXXX email host that there was no such email. 

We sent an email to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a copy of the email with the confirmation. Exhibit 1 attached. 

Chase has yet to respond. 

On XX/XX/XXXX, I sent an email to XXXX sumarizing the problem with the unauthorized charges. See email attached. 

These were large charges within a few hours from a company we never done business with before, in a foreign country. Chase should have flagged that. 

Our business and me personally only own Chase United Cards. We are loyal customers, we spend well and pay for our statements in full, never missing a payment for over XXXX decades. 

We value our partnership with Chase. We are sad to have this issue and potentially have to close ou

r 20+ year old account if Chase can not protect us. Communication has be
en an issue,. The fraud department does not answer emails or return calls. We are suspicious of the calls from the fraud department because with every call they request all our information including the full number on the credit card and then let us know someone will contact us shortly. We can never actually get the person we are supposed to talk to when we call. And of course several call disconnects during the process. 

We hope to be able to solve this soon as $ XXXX is a bit of a burden for our XXXX XXXX
Product: Checking or savings account

This complaint is in regards to Wells Fargo issuing a Debit-BD Recovery Offset from my personal deposit account ( XXXX XXXX2017 ) while I was in the middle of negotiating pay off of an outstanding Business Account Credit Card debt. I had an outstanding debt on my business credit card account for an XXXX that recently became insolvent. I was in the middle of negotiations with a Wells Fargo representative to resolve my debt when a family emergency occurred, leaving me unable to respond to any of the calls or messages that were left for me. However, previous to the emergency, I was taking positive steps in negotiating a settlement agreement to pay off my outstanding debt. But during the time I became temporarily unavailable due to a family emergency, Wells Fargo unilaterally froze my account and withdrew {$2000.00} from my personal checking account ( XXXX XXXX2017 ), where I receive my direct deposits from work, without any notice. Moreover, the agent that I was put in touch with to discuss what had happened was extremely and unbelievably rude and laughed stating that there is nothing I can do and that the debt has been paid in full while threatening to disconnect the call.
Product: Mortgage

I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, experian credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXXXXXX. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system 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, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( American exprees ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Prepaid card

I accidentally locked my account because I couldnt remember my XXXX. I had called in 3 weeks ago and they asked for a copy of my ID front and back. They continue to deny my id with different excuses of why they cant take it. I have sent it in 4-5 times now.
Product: Checking or savings account

I opened my Citibank account online XX/XX/XXXX. I work as a freelance consultant so my income historically was not stable however I started receiving regular direct deposits via XXXX  into my Citibank account on XX/XX/XXXX. On XX/XX/XXXX I received a notice of " suspicious activity '' from an apple.com charge which I approved on phone. My last debit card purchase was an ATM on XX/XX/XXXX. On XX/XX/XXXX I received a notice that my account was overdrawn. I immediately tried to move money from my savings account into my Citi account to cover the overdraft but my debit card no longer worker. I waited until Monday XX/XX/XXXX to contact the bank and was told my account was being closed and then I was HUNG UP ON THREE times. I called again on XX/XX/XXXX and was the same thing, account is closed and there is nothing they can do. I inquired about my direct deposit which was scheduled for XX/XX/XXXX and was told Citibank would reject the deposit and it would go back to employer. I was then blocked from viewing my Citi account and the direct deposit was never rejected or returned to my employer. I called the automated system and confirmed that the money was deposited into the Citi account. I called on XX/XX/XXXX to ask how can I get access to the bank account with all of my money in it. My savings is gone covering expenses from missing one week pay without access to my primary bank account. I was told Citibank will not reject any deposits, and can hold onto the funds for up to 60 days. I have not received ANY correspondence or explanation of what is going on and why my funds are being held or realistic timeline of when my money will be returned to me. In the meantime, all bills setup through my primary checking will be late and assessed NSF fees so this issue is compounding daily for me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

In early XXXX of 2024 I opened a CD in the amount of $ XXXX dollars with Chase bank. Late XXXX I noticed this CD was no longer showing up on my Chase app so I went online via my personal computer and had the same issue. I sent a secure message online and also called Chases customer service up and they could see the XXXX but said there was an issue with it and they couldnt tell me what the issue was but that someone would call me yesterday XXXX at XXXX to let me know the resolution. I expressed concerns that no one at XXXX had proactively contacted me to tell me that there was an issue and that my funds were no longer there. I spoke with XXXX XXXX representatives later in the day yesterday. Neither of them could tell me what the issue was or the timeline for resolution. Today XXXX I received a message via the portal that the issue was solved, but when I looked at my account the funds shown in the account had $ XXXX missing. ( The account only had $ XXXX not XXXX in it ). I sent another secure message about this but am very concerned that XXXX is either negligent in their banking and customer care or intentionally stealing money from my account. The problem has still not been resolved despite me spending hours on the phone trying to understand the issue. Needless to say I have XXXX faith in Chases ability to securely hold my money and need help ensuring my funds are restored.
Product: Checking or savings account

We made a deposit in the amount of {$22000.00} on XX/XX/XXXX. It was a check from our 401K that we were using to pay our income taxes. The bank put a hold on the bulk of the funds for 11 days. They said it would be on hold till XX/XX/XXXX. I understand the reason for the hold but I think 11 days is excessive being that we have been a long time customer with no problems with our account ever. We checked with the issuer of the check and they said the funds were cleared on XX/XX/XXXX. So i again went back to the bank and asked that the hold be released since the funds were cleared. They denied my request citing bank policy. They gave a few excuses which did not make sense in this situation. Everything from the time our account has been opened ( which has been years by the way ) The large amount of the deposit, ( but ok it has been cleared ) to bank policy. I vented my problems to the bank manager, then twice to their help line. 
I am not one to complain but I felt this was something I should address. 
In the mean time we had to mail our taxes and we hope that it does not overdraw our account if the funds are still on hold. 
Thank you
Product: Debt collection

Multiple harassing calls from OFG LLC ( XXXX ) asking for XXXX XXXX. XXXX is my wife 's ex-husband 's wife. My wife and ex-husband have been divorced for 20+ years. I 've asked them to stop calling, I 've attempted to explain that XXXX has n't ever lived at my place or had my phone number, but nothing seems to help. I 've told them multiple times that future calls will be considered harassment, but they continue to call, asking me to leave a message for XXXX or to put XXXX on the line. Representatives are rude and belligerent, making crude remarks and cursing at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DEPT OF SOCIAL SERVICE SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this account