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

Subject : Dispute of Inaccurate Information on My Credit Report To XXXX : I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and you are required to investigate my claim. 
Dear XXXX, I am writing to dispute the accuracy of charge-offs listed on my credit report under the FCRA, specifically 15 U.S.C. 1681, all information in a credit report must be accurate and verifiable. Additionally, 15 U.S.C. 1681b limits the inclusion of unverifiable or inaccurate information in consumer credit reports. As these entries can not be substantiated, they should be removed immediately.

Please confirm the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the removal of these charge-offs.

Thank you for your time and attention to this matter. 


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

The company below failed to do a proper investigation of my credit report. according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. 

Accounts : Syncb/ Care CreditXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ] and followed up on [ XX/XX/XXXX ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution 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 ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

There are a lot of inquiries on my credit report that I have not authorized and I request that each one be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On two separate occasions in 2023, I attempted to make my XXXX car payment via the XXXX portal but their system would not process the payment until it was too late. I used my bank 's bill pay service which deducted the funds from my XXXX account but for some reason it wasn't credited to my XXXX account. My bank credited me back the funds and I was forced to use the XXXX portal to pay and then XXXX reported these payments late on both occasions. I attempted to make these payments on time as I have with all of my other XXXX payments. It was XXXX XXXX online portal that prevented me from these XXXX and XX/XX/scrub> 2023 payments payment from processing on time. In addition I went above and beyond to make these payments on time by using my bank 's service and those payments were rejected. Because of these errors I am now being penalized both financially and in my credit score. I've made multiple attempts to contact XXXX in these regards on the phone but they transfer me from representative to representative without any assistance. They promise to have someone call me back but no one ever calls me back.
Product: Checking or savings account

I can't remember the date but it was around 2019
Product: Mortgage

On XX/XX/2021 a mortgage application was completed with Finance of America LLC, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, NMLS XXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : 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 instructions. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXHard inquiry XXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, someone tried to open a credit card using my stolen personal information. XXXX XXXX has canceled the application, but when I called Experian that day to raise a dispute, I learned a security freeze was not on my account. I believe I put a security freeze on my account with Experian, and their online portal reflected this. However their representative over the phone stated they had no freeze on their system. I was able to raise a dispute and put a freeze on my account.
Product: Debt or credit management

I am filing a formal complaint regarding Kickoff 's credit-building account due to misleading practices and financial loss. I opened and funded this account with over {$200.00}, under the impression that it would help improve my credit profile. I made my required monthly payments, expecting the funds I provided to be returned upon closing the account.

However, when I closed the account, the funds were not returned. I received no money backonly a credit line reflected on my credit report. This is not standard practice for credit-building programs and was not clearly communicated to me at the time of enrollment.

Furthermore, I was advised by a loan officer to close this account as it was negatively impacting my credit score. As a result, not only did I lose over {$200.00}, but my credit suffered instead of improving, which defeats the purpose of opening the account in the first place.

I feel misled into paying money I could not afford, believing it would help me in the long run, only to face financial harm and credit damage. I request that Kickoff be investigated for their misleading practices and that my {$220.00} be refunded to rectify this situation in addition an additional {$220.00} to cover the damages
Product: Debt collection

Apparently we had a debt with an apartment complex that we were not notified of until it was sent to a collection agency. They called my husband at his place of work harassing him to pay the full amount right that second or our credit would be destroyed and we'd never be able to move into a house or get credit cards, etc. They were very rude and mean. My husband told them that he was at work and would call back later but they said if he hung up that would mean they are going to be taking action against us. I called them back myself asking to set up some kind of payment but they told me I had to pay it all right that second and they would not accept anything else. When I told them I didn't have any money at the moment they said I have to take out a loan or they are going to destroy my credit. We tried one more call to set up payment but they flat out refused and sent the debt off so that it would appear on our credit reports. I have tried to get it taken off but it seems impossible and I don't think it's fair ( or legal ) that they literally would not accept any payment or allow us to resolve the issue instead they used scare tactics and threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX  Account # unknown Amount unknown
Product: Mortgage

Last year I bought flood insuance for my home. My mortgage company, knowing this also purchased over priced flood insurance that i neither wanted or needed. This caused a short fall in my escrow account which significantly raised my monthly payment.
Product: Checking or savings account

The complaint is about Schwab Bank and its handling of the review of a fraudulent transaction charged to my checking account debit card. 

In XXXX I purchased train tickets from a XXXX company called XXXX. The tickets were for a train trip between XXXX and XXXX, XXXX. XXXX represented that the tickets were fully subject to the terms of the XXXXXXXX XXXX XXXX  XXXX, and issued tickets that appeared to be authentic tickets of XXXX. 

However, when the tickets were presented to XXXX  in XXXX for a valid use under its terms, XXXX  rejected the tickets as not issued by XXXX  and not subject to its terms. 

Once XXXX  rejected the tickets for a valid use, XXXX became liable to refund the full price of the tickets as a fraudulent sale. XXXX thinks that it is not obligated to pay a refund until it receives a refund from XXXX, but XXXX has never provided ( a ) proof of payment to XXXX  for the tickets, ( b ) proof that it has submitted a claim for refund to XXXX, ( c ) proof that it is entitled to a refund from XXXX, or ( d ) that the tickets are authentic. XXXX  made it clear to me several times that tickets issued by XXXX are not XXXX  tickets. One significant possibility for that situation is that XXXX does not pay for XXXX  tickets at the time a customer like me purchases them. 

I attempted to obtain a refund via a debit card charge dispute from Schwab Bank, but it failed to comprehend the fraud. Schwab wanted 90 days to investigate the dispute, which I thought was excessive. When I pushed Schwab Bank for faster work, it quickly denied the dispute in order to move on without further effort. My experience in 8 years with Schwab is that it tries to avoid work and pass the buck at all times. Schwabs dispute denial was made ( XXXX ) without sufficient information and documentation from the merchant XXXX and ( XXXX ) without requesting any written information or documentation from me. Schwabs effort in this case is a breach of its fiduciary duty to me, the customer. 

I had 5 days to reply to Schwabs denial and did so in 2 with complete documentation, but Schwab has not responded to that reply and its investigator remains in dark silence. Schwabs system is that investigators only communicate in writing. 

It is a virtual certainty that this merchant XXXX will never refund the money for the fraudulent sale. The statement it made that it will do so is as fraudulent as the original sale. As I pointed out to Schwab, one can also presume that XXXX has received my money from the train company because the train companys terms of service specify a 30 day deadline to pay refunds and 30 days has passed. 

The key point to remember is that all of the hassles associated with the train tickets arose because XXXX did not deliver the tickets that I purchased and XXXX knew that at the time it delivered them. I could not know that until the tickets were presented for use. 

Did XXXX deliver tickets that were fully subject to the terms and conditions of XXXX? No. 

This is Schwabs internal case number : XXXX. You have my permission to review and communicate with Schwab about any aspect of the case file.
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 U.S.C 1681. 

XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX ; XXXX Account XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. It also states a consumer Reporting agency can not furnish an 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: Credit reporting

The inquires on my XXXX credit report do not belong to me.
Product: Checking or savings account

On XX/XX/2021, I went to the Wells Fargo Branch in XXXX XXXX XXXX on XXXX XXXX in XXXX Virginia around XXXX XXXX  to make a deposit at the drive through window. I had 3 checks 2 for {$450.00} and 1 for {$270.00}. This totaled {$1100.00}. I was informed by the teller at cash box 10 that the system was down and my funds would be availble on the next business day which was XX/XX/2021. On XX/XX/XXXX, I checked my account and determined the funds were not available, I then went to the branch and spoke with the Service Manager by the name of XXXX and was informed that all checks were sent by a carrier on XX/XX/2021, and they had to be manully posted. XXXX then informed me the funds would be available on either late Friday or early Saturday. Checking my account on Saturday the funds were not available again. I also contacted Wells Fargo Advocay Group filed a case and I never heard from anyone in their office. Long story short I contacted my investment compant they stopped payment on the checks and resent new checks. Finally Wells Fargo put the funds in my account on XXXX XX/XX/2021, after the funds were stopped. They charged a fee and I was very upset that I never heard from anyone during this ordeal. Wells Fargo said they would backdate the checks to the date they should have posted which did not sound appropriate. I am sure other people were impacted however ; it should not have taken Wells Fargo almost a week to resolve this issue and it is unaccpetable. Wells must review their process so that in the future if this same issue occurs impacting customers, it should not take a week to resolve. Temporary credit should have been given to customers while the issue was investigated and resolved. Customers were inconvenienced.
Product: Vehicle loan or lease

See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.
Product: Debt collection

On XX/XX/XXXX I sent RPM a certified debt verification and cease & desist order about some alleged debt. About some unknown alleged debt. There was no response from RPM of letter. All the sudden on XX/XX/XXXX there is a credit report collect entry in my file from RPM of {$340.00}. They have ruined my credit with this entry. It appears they have illegally used the set the clock back trick. credit report saying this is new debt. They are very unethical and like to pick on people with vowels at the end of their names.
Product: Credit reporting or other personal consumer reports

unauthorized Inquiries, I found some unauthorized inquiries on my file, please delete as soon as possible, thanks.
Product: Debt collection

On XX/XX/XXXX my husband and I received a letter from Pacific credit services ( XXXX XXXX XXXX XXXX ) for an attempt to collect on an unknown debt on behalf of an unknown entity ( XXXX XXXX XXXX ) with which we have never conducted business. We did report this attempt as fraudulent with the XXXX XXXX XXXX  XXXXXXXX XXXX 
On XX/XX/XXXX we did receive a second letter from Pacific credit services ( XXXX XXXX XXXX XXXX  # XXXX ) providing supposed proof of debt regarding towing and storage for a vehicle we previously owned. 
We are hereby providing proof of sale of said vehicle dated XX/XX/XXXX. ( XXXX XXXX XXXX XXXXXXXX ). 
Their attempt at collecting a debt is highly suspicious for the following reasons : - car was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as per check dated + Notice of transfer & release of liability ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not register sale with DMV yet transferred vehicle to XXXX XXXX XXXX on XX/XX/XXXX prior to doing any registration and abandoned vehicle following a parking violation (? ) - It would appear that XXXX XXXX XXXX sold a lien of said vehicle on XX/XX/XXXX and Pacific credit services is now attempting to collect for storage + towing fees that we do no owe. 
Our supporting documentation provides information on correct debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX reported back inaccurate info ( Pentagon Federal Credit Union ) of XXXX Days Late. PFCU has already made the correction on their end however XXXX customer rep claims they were never sent appropriate documentation from PFCU. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Product: Credit card

This account was open during COVID XXXX by my ex-husband with out my knowledge on- line. now we are divorced and I placed this in my divorced to have debit placed on his social security and it was grated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX alerted me to a hard inquiry on my Transunion credit report. The Transunion report showed the inquiry was from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) and that it happened on XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the week prior. I also never requested credit from this bank. I called the XXXX XXXX XXXX XXXX  and they directed me to XXXX. XXXX advised they couldn't give me any information on the inquiry but they did confirm that they didn't show an account under my name and social security #. They suggested that I reach out to Transunion. I did reach out to Transunion and they couldn't give me any more information than what I could see on my online credit report through XXXX XXXX. Transunion has asked that I submit a complaint with CFPB and include that report # in my request to have this hard inquiry removed from my credit report. I have also put a freeze on my Transunion and XXXX credit reports, as I also had a hard inquiry on XXXX for the same date but for a different retailer ( XXXX )