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

I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
Product: Credit card

Subject : Unfair Billing & Failure to Resolve Dispute Complaint : I am filing this complaint against Synchrony Bank/XXXX for unfair billing practices and failure to properly resolve a dispute regarding unauthorized charges made by [ Dental Office Name ]. 

On XX/XX/year>, I visited XXXX XXXX for a free consultation for clear aligners. After being assured by the dentist that I did not need my wisdom teeth removed, I agreed to move forward with treatment and signed financial paperwork. At no point was I informed of a non-refundable deposit or any upfront fees that would be retained if I chose not to proceed. 

Shortly after, I was informed by the dental office that I would need my wisdom teeth removed, which directly contradicted what I was originally told. Due to this change, I declined treatment and requested a refund for the amount that was charged to my CareCredit account. The dental office then informed me that they would be keeping a {$500.00} " deposit '', which was never disclosed to me verbally or in writing. 

I disputed this charge with Synchrony Bank/XXXX twice XXXX explaining that the charge was unauthorized because : No services were renderedI never received aligners or any treatment. 
No deposit was disclosedThe contract I signed does not mention a deposit or any non-refundable fees. 
The dental office misled meThey initially told me wisdom tooth removal was unnecessary, then changed their position. 
Despite providing Synchrony Bank with clear proof that the contract did not mention a deposit, they denied my dispute and held me responsible for the charge. This is a violation of fair credit billing practices, as I am being charged for services I never received and for fees that were never disclosed. 

I am requesting that Synchrony Bank reopen my dispute, remove the {$500.00} charge, and ensure that consumers are not forced to pay for unauthorized charges due to misleading business practices.
Product: Payday loan, title loan, or personal loan

I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed  XXXX  and it needed to be paid because my account was in " default '' weeks later I get another bill for  XXXX  that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until  XXXX   XXXX  eastern time but charged my account at  XXXX   XXXX  eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in  one day ! More than twice I had to close my personal account at the bank because of this. Their location is :  XXXX    XXXX   XXXX     XXXX  tn  XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX  XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.
Product: Student loan

Once again, Fed Loan Servicing is failing to follow directions. I submitted a " do not pay ahead '' notice and received acknowledgment as I requested via email : RE : Payments [ XXXX ] XXXX XXXX, XXXX at XXXX XXXX From XXXXXXXXXXXX According to our records an email response was sent on XXXX XXXX, XXXX regarding removing Paid Ahead status from your account. On XXXX XXXX, XXXX your Standing Instructions were also approved. If additional assistance is needed, you may reply to this email or contact our customer service department. For your convenience, our contact information has been provided below. We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX XXXX XXXX XXXX. 
Sincerely, XXXX FedLoan Servicing Today I received the following letter, dated XXXX XXXX, XXXX : " You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XXXX/XXXX/XXXX for {$100.00} '' Their incompetence is exceeded only by their devious business practices. I told them to continue taking {$150.00} each month as directed because the extra money I sent was to pay down the loan. I made this abundantly clear to them when speaking to a customer service person who directed me to send a check with that request on it, which they promptly disregarded. I then filed the notice and received acknowledgment of receipt of it. The fact that they continue to ignore my legal instructions is infuriating. I need your help in bringing them to justice. Thank you. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 late payments on my account from gm financial. However these 5 are incorrect. Ive disputed it with 5 times and won each time but they never changed it like they were supposed to.
Product: Credit reporting or other personal consumer reports

**Complaint to the CFPB Regarding ChexSystems Falsified Report** I am writing to file a formal complaint against ChexSystems for improperly using my report and providing falsified information when I requested a copy of my report. This issue has caused me significant hardship, and I am seeking assistance in holding ChexSystems accountable as well as compensation. 
On XX/XX/year>, I requested a copy of my ChexSystems report as I suspected there was inaccurate information being reported. On XX/XX/year>, I received a response from ChexSystems stating that there was no information reported under my file. 
However, I recently applied to open a bank account and was denied. The bank cited that my ChexSystems report contributed to their decision. This raises the question of how my ChexSystems report could have been used for a decision when they had previously advised me that there was no information reported on me. This discrepancy is alarming, and it appears that ChexSystems is refusing to allow me my legal right to view the contents of my report. 
By providing inaccurate information and failing to disclose what is truly being reported, ChexSystems has violated multiple laws, including my right to fair and accurate reporting. As a single mother working full time, this issue has caused me emotional distress, as the inability to open a bank account has prevented me from obtaining employment, where direct deposit is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I decided to check my free fico scores. After checking them FREE I noticed a charge from Experian Credit Report for {$23.00}. I was charged again on XX/XX/XXXX. 

I never signed up for a service. Plus I've tried to cancel and I'm not able to speak with anyone. I've called : XXXX XXXX XXXX XXXX XXXX Every time I call it's ALWAYS a computerized program and you never speak with anyone. I have the ability to chose XXXX  for billing then XXXX  to cancel. It states your free credit report is now cancelled. This isn't want I wanted. I want my free one but don't want to pay for it. 

I've also logged into my account online - My Profile - Billing information and Membership information and there is NO way to cancel my membership. 

I'm in the IT industry and I find this whole situation corrupt! I'm able to go through all these steps to find a solution. What happens to an older person who can't take these steps? Experian is stealing from them. 

I want my money back and membership canceled. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

In XXXX I requested a balance transfer from XXXX XXXX XXXX to payoff my XXXX XXXX XXXX XXXX The check for {$8400.00} was sent to Barclays Card Services, XXXX XXXX XXXX XXXX  PA XXXX. The check was deposited in a Barclays account in a Barclays Acct # XXXX at XXXX XXXX XXXX  on XX/XX/XXXX.. 
Barclays, unfortunately no longer processes XXXX XXXX XXXX credit cards.So the payment is sitting somewhere in limbo. 

Barclays could : - return to the funds to XXXX. 
- forward the payment to XXXX now handling XX/XX/XXXX credit card processing - send a check to me I have spent endless hours on the phone on hold with Barclays trying to get some resolution to absolutely no avail. Am I always forwarded to a manager or acct rep where the line rings forever,
Product: Bank account or service

Upon reviewing my checking account with PNC Bank, I noticed XXXX transactions of {$50.00} each that I did not make which posted on XXXX/XXXX/15. I filed a transaction dispute with PNC ( reference number # XXXX ) and was issued a provisional credit of {$100.00}. When I contacted the bank about the dispute, I was told I could contact the business ( XXXX ) directly at : XXXX and try to find out additional information on whether or not the pre-loadable XXXX card was purchased within a store or online. I contacted XXXX & gave them the XXXX card number of the card ; however, due to " security concerns '' the representative on the phone was unable to give out the full XXXX digit card number, and referred me back to PNC. When I contacted PNC & asked for the number, I was told the same thing. I find it disheartening that someone can commit fraud against my checking account and purchase a preloadable XXXX card using my debit card information, yet when I try to find out the full XXXX digit account number listed on the XXXX card, I am prevented from getting it citing privacy reasons. It feels as if the perpetrator who did this is being protected while I am literally paying for his use of the card. All I wanted to do is to trace the source of the card so that I can file a police report & get this person arrested because it would n't surprise me if he/she is committing the same type of fraud against other people.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from Santander. 
The fraudulent account reported no data XXXXXXXX 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 The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these unknown addresses, inquiries, and collection account ( in which the amount is consistently increasing ) on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which are violations of the FCRA. TransUnion has continued to report inaccurate and unverified information on my credit report without any supporting documentation. This is hurting my credit scores and my buying power. 

I have called all of the creditors who pulled my credit and none of them have any records on file that I authorized them to pull my credit. I have also sent a certified letter to XXXX XXXX on XX/XX/XXXX requesting a signed contractual agreement with them along with other requested items to validate an alleged debt that they say I owe but no response back from them and TransUnion keep stating verified, so how is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SS # : XXXX XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have enclosed a copy of my driver 's license and utility bill as proof of identity.

Sincerely yours, ___________________________________XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts or applying to any of these accounts. 

Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Adjusters ( NCA ) is attempting to collect on a payday loan debt that was initiated through XXXX XXXX a licensed XXXX XXXX XXXX XXXX XXXX XXXX in Texas ; XXXX  meaning, XXXX XXXX  do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX  Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXXXXXX 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 * CompanyXXXX  XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX XXXXXXXX XXXX, XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * CompanyXXXX XXXX  * XXXX XXXX, XXXX * CompanyXXXX  * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * XXXX XXXX, XXXX * XXXXXXXX XXXX XXXX XXXX  * XXXX XXXX, XXXX * CompanyXXXX  XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX XXXX XXXXXX/XX/XXXX * CompanyXXXX XXXX XXXX  XXXX * XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX, XXXX XXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXXXXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * XXXX XXXX, XXXX * XXXX XXXX XXXX. 
* XXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXXXXXX, XXXX * XXXX XXXX * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX  * XXXX XXXX, XXXX * CompanyXXXX XXXX XXXX DateXXXX  XXXX, XXXX * CompanyXXXX XXXXXXXX  * XXXX XXXX, XXXX * CompanyXXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately. 
XXXX XXXXXXXX XXXX. CO. Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX 2016