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

I have disputed unauthorized hard inquiries present on my credit reports provided by Experian, XXXX, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their 30 day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from Experian, XXXX, and XXXX, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing.

As per 15 U.S.C. 1681i ( 7 ), Experian, XXXX, and XXXX are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports.

Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that Experian, XXXX, and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires XXXX XXXX15 U.S. Code 1681b 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 XXXX : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited XXXX pursuing remedies available under the law.
Product: Vehicle loan or lease

In early XXXX, I ran into financial trouble. I received a 120-day forbearance period from my car loan company, Ally Auto Finance. In late XXXX, I became current on my loan again. The last four monthly payments, for XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX, for $ XXXX monthly were paid promptly. These entire amounts were applied to interest charges by the company. There was no principlal reduction from these payments. I called the company today to get an explanation why, and they could not give me one. The payoff on my loan as of today is {$12000.00}, per the company. The per diem interest rate is {$4.00}, per the company. Therefore my monthly interest charges should be 31 ( number of days in the month ) times {$4.00} ( the per diem interest rate ), or {$130.00}. Ally is charging me {$280.00}. No one could give me a satisfactrory explanation why I'm being charged {$280.00} instead of the correcxt amount of {$130.00}. They are stealing from me. {$140.00} of my $ XXXX monthly payment should be going towards principal reduction, not towards interest. Please help me get my payments applied properly. Thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to you today to bring to your attention an incident that took place with a Chase representative in XXXX of 2018. I called into Chase to discuss unauthorized charges on the account. When I went into detail with the representative, he told me to be more responsible with spending. The conversation went downhill quickly, the purpose of the call was to freeze the account and launch an investigation but after the call I was notified of a credit line increase. This gave me chills, not only did the account not get frozen, the unauthorized charges could be even more damaging with the increased credit line. No doubt this occurred out of spite with the Chase rep. I immediately cancelled autopay and blocked any payment to Chase through my bank, at this point I was literally fearful of this rouge representative. As soon as I finished up with my bank, I then called back and discussed the incident with a supervisor who assured me that they would review the call recordings and reverse the increase. 

The account has since been closed and charged off ; this does sadden me as I had previously maintained a 10+ year account with Chase always in good standing. I have recently received a letter from XXXX XXXX XXXX XXXX offering to settle the account. I am willing to settle the account with the agreement from Chase that they will delete from the credit bureau. The situation WE are in is due in part to the rogue agent.
Product: Checking or savings account

I own a small business and cash slow is crucial for me. I have deposited two checks in the last two weeks and both of them have been retained affecting my business, vendors and employees directly. One of the checks for {$10.00} deposited on XX/XX/XXXX will be available until XX/XX/XXXX. Initially the 30 % was supposed to be available two days after, but after they changed the times with no reason. The second check for {$1.00} which is a very small amount was deposited on XX/XX/XXXX and also will be available until the XXXX. I called Bank of America multiple times I even went to the office and they will not solve the problem or provide a valid reason for the retentions. I am 2 weeks past due my XXXX bill because I have not been able to use my money.
Product: Student loan

I attempted to apply for Public Service Loan Forgiveness. When I applied in XXXX, they told me my employer didn't qualify. I submitted my W2 to prove that my Agency is a regulatory agency under The State of Oregon and does qualify. They updated my PSLF count to having made XXXX qualifying payments. I applied again, 3 months later, because I considered myself to have completed the terms required. I have worked for the The State of Oregon for 13 years. They again indicated that my Agency did not qualify, even though my employer had not changed. I resubmitted my W2 and they eventually determined it to qualify a second time. Then I was given an updated letter, but showing the SAME qualifying payment count as when I applied in XX/XX/2022. I qualify for loan forgiveness, but instead of forgiveness being granted, my loans were transferred from XXXX XXXX to Mohela, who also has not helped me solve this issue. I feel this is unethical.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion regarding their refusal to remove fraudulent accounts from my credit report. 
TransUnion has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within XXXX business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.
Product: Debt collection

I opened an account with XXXX XXXX XXXX. 
The account was charged off, and a company called Portfolio Recovery Associates claims to have purchased the debt. 
I subsequently paid back XXXX XXXX XXXX  Directly for this debt. I have attached the proofs of payment. 
Portfolio Recover refuses to remove the tradeline from my credit report or update it as paid to XXXX   XXXX in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.
Product: Debt collection

NOTICE OF DISPUTE You are in receipt of notice under the authority of The Fair Debt Collections Practices Act regarding. It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation you are claiming I may owe, please document and verify the debt by complying under penalty of perjury with this request for validation and verification notice that I dispute part of, or all of the alleged debt.

Pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) I am requesting the following documents to verify your claim is valid and lawful. Please note that I am requesting verified documents under penalty of perjury.

Please provide or produce the following ; ( 1 ) The amount of the debt.

( 2 ) The creditor to whom the debt is owed.

( 3 ) Proof that you mailed me a statement putting me on notice that I had 30 days to respond, or you would assume this debt is valid.
( 4 ) Because I was never notified within the 30 day period as required I am starting my 30 day period today. I am putting you on Notice making it clear to your company that I dispute this alleged debt.

( 5 ) Because you failed to do so I am demanding that you provide me with the name and address of the ORIGINAL creditor.

Pursuant to 15 USC 1592g ( b ) I am requesting the name and address of the ORIGINAL creditor, I am demanding that you cease collection of the alleged debt, or any disputed portion thereof, until your company obtains verification in the form of an affidavit under penalty of perjury or a copy of a judgment, or the name and address of the ORIGINAL creditor, and a copy of such verification or judgment, or name and address of the ORIGINAL creditor, is mailed to me by your company. 

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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Card is reporting an account on my credit that is not mine. I recently checked my credit file and noticed that this account was reporting on there. I have been disputing this account with the bureaus and they keep verifying it? It says I am an authorized user but I never signed any paperwork or gave Citi Card permission to report on my credit. This account is not mine and I need to be removed as an authorized user.
Product: Checking or savings account

I opened an account with citibank which was closed in less than 2 weeks, when i called and ask what happened they said you account is being close because of a deposit you made, i was like ok! i asked them if the account was close i was not able to received any checks or direct deposit? they said NO YOU WONT BE ABLE TO RECEIVE ANY FUND GOING FOWARD ( XX/XX/2023 ) i also told them was expecting my check from the irs and they said it would bounce back to them. I called them again to ask if they received my check from the irs they said no, so i called the irs and the state of NJ to find out about my refunds and it turns out that citi bank DID RECEIVED my checks after they account was closed, when i call to ask them ( AFTER THEM HANGING UP ON ME LIKE 5 TIMES ) why they accepted the check after they wasnt supposed to, they said that my account is not close but BLOCKED and now they holding my fund and want me to wait until they close the account but they dont know when they account will close which also leaves me waiting for my funds. Also When i call them to ask them if they can please release the funds i even went to a branch, they are saying i have to wait 30-60 days, but then again the account is still not close after 30 days. This has cause me a lot of stress and disappointed, i been behind on bills for three months ( i also explain this to them, but they dont care ) i dont know what else to do with this bank. If theres anybody that can get a hold of this situation because i have seen a lot of people going through this and nothing gets done this should not be acceptable to hold peoples money for so many days especially after they was the one that decided to not do business with us. CITI BANK NEEDS TO BE SHUTDOWN IMMEDIATELY.
Product: Mortgage

I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XX/XX/XXXX and XX/XX/XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. Theyve been threating me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I shouldve been out of my house since XX/XX/XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purshased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX Sheriffs are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.
Product: Checking or savings account

CHIME bank has denied claims that have been unauthorized. I have been asking over and over and over several times for them to provide to me all of the information that they have to deny my claim meaning I want the proof Ive asked several times and they will not send me a thing that only tells me that they dont have proof there has been multiple times that I have also sent in, the proof that it was not me meaning there was somebody else signing into my account and from different states but they still want to deny my claim but yet wont provide me any type of proof there has been thousands taken out of my account and I want my money back
Product: Credit card or prepaid card

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00}
Product: Student loan

I am paying my Navient student loan on the first or second day of the billing cycle but the amount that gets applied to principal/Interest makes no sense whatsoever. 
XX/XX/2017, Payment, - {$400.00} ( Principal ), - {$390.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$320.00} ( Principal ), - {$460.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$810.00} ( Principal ), - {$180.00} ( interest ), Total XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I called XXXX Toyota in XXXX XXXX, MD to lease a XXXX XXXX XXXX. After negotiating with the XXXX on the phone and agreeing on the terms for the specific model I wanted, I agreed to come to the dealership to sign the paperwork and take delivery of the vehicle. My daughter and I arrived at the dealership around XXXX pm. We waited several hours before we could be seen by the XXXX because he was helping a bunch of other people with their purchase. Once he finally got around to us, and we went to the finance office to sign the agreement, the XXXX told me he could not honor the rate he quote me on the phone because my credit score wasn't high enough. The rate he offered me significantly increased the monthly payment on the vehicle I wanted to lease. So he found a different vehicle that would get me closer to a monthly payment that worked for me. It was almost midnight by the time I signed the paperwork and left the dealership. 

Upon reflection of the series of events that transpired on the evening of XX/XX/XXXX and after reviewing the lease agreement, I discovered numerous Truth in Lending Act ( TILA ) and Fair Debt Collection Practice Act ( FDCPA ) violations. In the affidavit of Truth I attached I only outlined the TILA violations that were committed. The managers failed to provide me with the proper disclosures required by TILA. For example, the XXXX was suppose to disclose to me that I had the option of having the auto insurance included in the finance charge or pay for insurance out of my own pocket. They also failed to disclose my right of rescission and provided me with the form to rescind the agreement. However, my biggest grievance with the agreement is the fraudulent and deceptive nature of the agreement itself. I AM the original creditor and I granted the right to the creditor to extend my credit back to me. They had me believe I owed a debt when in fact I did not owe a debt. According to TILA, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. According to Maryland state law the warranty company offers warranty products to a consumer is suppose to be registered on the state 's website. The warranty company XXXX Toyota uses is Guaranteed Automotive Protection. They are not listed on the state 's website as a registered warranty company. This is another violation. 

On XX/XX/XXXX I sent a Affidavit of truth via certified mail to Toyota financial Services informing them that I was exercising my right to rescind the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXX acct # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

In 2016, Navient incorrectly withdrew the monthly payment for my loan twice in a month after I had been enrolled in their automatic deductions for 6 years. I challenged the duplicate payment with my bank and confirmed that Navient had permission to continue making the normal monthly withdrawals. Navient then disabled autopay for my account and has since refused to reinstate it for that bank account, demanding that my bank send a written letter with my account information to them ( which would be a violation of my bank 's privacy policy ). I then attempted to send written checks to the address listed on the website ; it appears to be the wrong address, as each of the checks I sent was returned to me as a refund from the US Treasury. Navient 's customer support has been unable or unwilling to give me the correct information to make payments, but calls me daily asking for payments even after I have repeatedly asked them to give me an alternate address for mailing checks or to restart autopay.
Product: Money transfer, virtual currency, or money service

Account frozen XX/XX/XXXX - no reason given I reached out multiple times to resolve this, since last year - Venmo refused to provide additional information or to resolve the complaint, and even said they would not even try to resolve it - in one email they explicitly refused to tell me anything about the closure XX/XX/XXXX - email from Venmo saying it was frozen XX/XX/XXXX - email from me enquiring about the freeze XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo noting it was forwarded to another team XX/XX/XXXX - email from me following up, as Venmo never responded after the last email XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo where they refused to give any information about my account with my funds in it : " Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. '' XX/XX/XXXX - email from me asking how I can resolve XX/XX/XXXX - email from Venmo repeating the same response, with the additional line " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' XX/XX/XXXX - email from me reaching out to resolve XX/XX/XXXX - autoresponse XX/XX/XXXX - email from Venmo forwarding to another team XX/XX/XXXX - email from me following up XX/XX/XXXX - autoresponse
Product: Debt collection

I received notice from tis company that I owed them money I have never done business with them. I requested they validate the debt, they send back a transaction sheet, which does not show me any services rendered or what I am supposedly being billed for. The personal information they sent back did not match mine. I sent them another letter after this advising of such and they have now started reporting on my credit. They did not update the account as in dispute nor have they sent me a proper validation of this debt, and that they are contracted by who I supposedly owe this debt too. Per their XXXX   reviews I see this is a common violation for them. I have kept all documents as well as my certified mail receipts showing they have received my letters and ignored them.