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

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows 6 credit inquiry/ inquiries that I did not authorize. 
XXXX XXXX XXXX reference number XXXX Date XXXX XXXX XXXX XXXX reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX - reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX- reference Number Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am writing to dispute the following inquiries and asking for their removal from my credit report.Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Vehicle loan or lease

I spoke to Regional Acceptance company on or around the XXXX of XX/XX/2019 and explained I had lost my job in XXXX and was having financial trouble, The woman offered me a 2 month deferment, and said it would be for XXXX and XXXX, I told her i had already sent in a partial payment for XXXX she said that would be credited for XXXX, and the remainder would be added to the bill after the two months of XXXX and XXXX where i would receive a bill XXXX instead of the XXXX. I told her that would be fine. I received a notice from credit monitoring that I had a new derogatory remark on my credit of 30 days late. I call regional acceptance today and they said I had no deferment and that I missed my XXXX payment. I asked for a supervisor, a supervisor then told me they had mailed me a letter that I had to sign and they never got it back, and that I was never given a deferment, that i had only made a request for one. The person i talked to in XXXX, never said i was applying for a deferment, or that any paperwork needed to be fill out, she plainly stated she was giving me a 2 month deferment, When I complained to the supervisor, he then only offered a one month deferment if I sign some papers and send it back and that he would not remove the 30 days late on payment from my credit.
Product: Credit card or prepaid card

This is to bring to your attention the fact that I have a Chase Sapphire Preferred card with the following information : Name on Card : XXXX XXXX, Card No. : XXXX, XXXX XXXX : XXXXWithin a few weeks of issuing the card, my card was discontinued or canceled by the Chase bank without providing me with any valid reason. 
Meanwhile, using the same card, I did purchase an international flight ticket with XXXX XXXX. - Amount Charged : INR XXXX, Date of purchase- XXXX XX/XX/2021. But due to the pandemic, the flight got canceled, and the airline issued a refund on the same card, i.e., the one mentioned above. Ref : Email from XXXX XXXX I tried to reach CHASE, but they were unable to pull my account from the system or were ready to help. I tried to fax them but received no reply to my complains, call them, and reach XXXX XXXX, but all efforts failed. 
With no options left and after fighting for over a year, I am reaching out to the agency to kindly assist me. 
I am attaching 1. Email from XXXX XXXX : Confirming the refund 2. Image of my credit card 3. Itinerary showing the card used for purchase. 

looking forward to prompting action. I am unable to provide exact transaction details as I dont have access to this card account. 
Kindly let me know if you need any additional Information. 
Regards, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was {$1000.00} dollars taking out of my account and they were 2 different transactions for XXXX $ and the bank told me that they reviewed the account and I would have the money back on my account by XX/XX/XXXX and then around that time when XX/XX/XXXX came they closed my account and then when I spoke with someone about it they said they couldnt give me a reason why they closed my account and they would issue a check for it and I have still yet to recieve anything and my account is still closed like I dont care about the account at this point, at this point I just want my money thats mine and that was promised to me. This was with my credit karma spend account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is still reporting a balance on a settled account to Equifax. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these accounts and inquiries were opened without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate information removed from my credit file. 
Fraudulent Accounts : XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXXAccount # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XX/XX/XXXXAccount XXXX XXXX Opened XX/XX/XXXX Balance : {$740.00} Unauthorized Inquiries : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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'm filing this complaint due to Experian failure to provide my consumer report and reinvestigation results via United States Postal Service. I have notified Experian in writing to send my disputed results along with my consumer report via USPS.
Product: Credit card or prepaid card

This another complaint in reference to the lies from the reply on XX/XX/XXXX. XXXX is the first complaint id. I'm simply going to let you know that this bank will lie after lie after lie and have attached a letter as proof that I have been lied to and will lie even to the government my claim has been reviewed and accepted by Globel American Express XXXX team in the amount of XXXX dollars why have they only credited XXXX to my new account that's cancelled and can't receive new cards as Mr or ms stated in the reply to my complaint and have been told I can only apply well if this law breaking bank would fix the reported closed account in collections I probably would have been approved but guess what since you have both my accounts closed and breaking the law because it's under a XXXX investigation and I yet have been able to get replacement cards I will attach proof of this and demand they be reprimanded for being XXXX XXXX shame on you
Product: Student loan

My application to change to a XXXX repayment plan has been in process for months without a response. Now I have been put in administrative forbearance without further information. I have tried calling MOHELA and they have put me on hold for hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and still noticed that there are items that are not right. I saw this account on my credit report and it needs to be removed because it is inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to complete and accurate credit history ; this is unverifiable account information and it needs to be removed. 

I want my credit report to be accurate and by law accounts that are inaccurate, incomplete, or unverifiable must be removed. If this information can be verified, please have these companies respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE thats on file for the account above. Unverifiable accounts must be removed. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to TRANSACTIONS AND EXPERIENCES between the consumer and the person making the report. The accounts that have late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX  with late payments reported on XXXX XXXX XXXX XXXX XXXX 

XXXX  with late payment last reported on XX/XX/XXXX. 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ).
Product: Checking or savings account

I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX. 
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money. 
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.
Product: Student loan

Nelnet who processes my XXXX XXXXXXXX XXXX is lacking in communication. I got a statement notice this morning ( XXXX XXXX ). When I logged on I received a message saying I was late on my payment by 12 days! 
I messaged their customer service and told them I never received an email or paperwork saying the loan was going to start repayment. President Joe Biden extended student loan repayment due dates until XX/XX/2022. 

When I told the customer service representative this they said mine doesnt qualify because its classified as XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX. 

At no time did I ever Receive any communication from Nelnet that said the previous two years of no required payment due to the pandemic was for XXXX XXXX XXXX only, and not XXXX XXXX XXXX XXXX. 

Had I not looked at that statement today I would have been delinquent on my student loan and they would have tarnished my credit report. 

This can be detrimental not only to me but others carrying a similar XXXX XXXX. This company Needs to communicate this type of information much more affectively. My guess is they didn't notify people because they want to collect late payments etc.
Product: Checking or savings account

Covid-19 pandemic unemployment insurance with bank of America I was informed by the IRS a claim was filed in my name of {$19000.00} from California my identity was stolen .this matter has been disappointing all this time I could not file for unemployment because someone has use my information already. Time after time I can remember trying to get through to unemployment but later learn by the IRS {$19000.00} has been stolen from me.Bank of America was just giving anyone money I know some banks want ss card I'd card and a second debit card with a proof of address.
Product: Credit reporting or other personal consumer reports

WELLS FAGO did not follow the law in disclosing my nonpublic information.
Product: Credit reporting or other personal consumer reports

I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX XXXX because of this matter.
Product: Debt collection

I received a statement in XXXX about an overdrawn account at Synovus bank. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I XXXX not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00}
Product: Checking or savings account

I have a citi accelerate savings account. I have called more than 10 times to have them withdraw/ close my account. They have cited multiple technical issues over the phone. The website has given me the same error when trying to withdraw. I have more than {$2000.00} locked up now and they are not helping me to withdraw or close my account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.

I have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.

Under the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations. 

I kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA. 

Notification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me. 

Compliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes. 

If I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA. 

Please consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX of XXXX  someone was able to gain access to my daughter Online Banking at TD Bank which had joint accounts owned by me and herself. 

They then proceeded to remove all funds in the account with the following actions. Personal information has been removed A Mobil Deposit of a fraudulent check for {$900.00} was deposited into the saving account. This check eventually bounced. 
Transfer out {$32.00} using XXXX Transfer out {$30.00} using XXXX XXXX  to the name XXXX XXXX Transfer out {$30.00} using XXXX XXXX to the name XXXX XXXX Transfer out {$10.00} using XXXX XXXX to the name xxxx xxxxx Transfer out {$40.00} using XXXX XXXX to the name XXXX XXXX Transfer out {$30.00} using XXXX XXXX to the name XXXX XXXX Transferred {$160.00} using XXXX to XXXX XXXX to the name of XXXX XXXX  Phone ( XXXX ) Total Taken - {$330.00} TD bank is indicating that all transactions were authorized and will not refund the unauthorized transaction. Banks are obligated by law to refund unauthorized transaction. - Electronic Fund Transfer Act ( EFTA ).
Product: Credit card

My credit card was opened in XXXX. At some point in XXXX, electronic delivery of my statements was activated without my permission and I failed to receive notification that my account was overdue. They never attempted to contact me via United States Postal Service. I became aware of the unpaid balance when I got a copy of my credit report showing the 30-day delinquency in XXXX XXXX.
Product: Vehicle loan or lease

On Wednesday XX/XX/XXXX @ XXXX est, I called into Strike Acceptance to request a loan modification due to my car being in with XXXX for major repairs ( engine replacement ) that the warranty company was not fighting us to not cover. Replacements costs are now at {$5000.00}. I was advised on a recorded line that a request for a modification rolling my XX/XX/XXXX payment to the back of the loan was submitted. That I would receive a confirmation of the request via email and confirmation of their decision within 24-48 hours. We are now at 5 days and I have not received a decision from Strike Acceptance and it has not affectively caused my account to go 30 days passed due and destroying my credit. I also asked that my address be updated correctly. It has not been changed as of today. When calling Strike Acceptance today XX/XX/XXXX, the supervisor that I spoke to stated that the request had been put in BUT I had to make a payment on XX/XX/XXXX for the modification to be approved. Not once in the disclosures read to me over the phone on XX/XX/XXXX was this stated to me. Not one once I notified as stated on the recorded call that was i notified via email of their decision. Again on XX/XX/XXXX I was advised that the request would take 1-2 business days and/or 24-48 hours for a decision. We are outside of this timeframe and because I, as the consumer called in to check on the status, I have not received any email confirmations as I was told. I am now 30 days passed due and mine and my fiancees ' credit have been ruined! Strike Acceptance today on the phone tried bartering with me which is a viilation of the FCRA rules and regulations, stating that once I make a payment, then they will approve the request for modification. Strike Acceptance has not called or emailed me stating that this was the case. I would have scrounge every XXXX  I had to make the payment on XX/XX/XXXX to avoid the 30 days late mark. Again Strike Acceptance is trying to barter with me which is ILLEGAL!!! Also, it was found on XX/XX/XXXX by XXXX, that the engine in the vehicle does not belong to my car. That the milage on my sales contract is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : Experian, XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiry not tied-up to open accounts : XXXX XXXXXX/XX/2023
Product: Checking or savings account

I bank with Huntington bank with my business and personal account. Huntington froze both my business account and personal account because a check that was deposited into my account XXXX  months prior. The bank that issued the check put a false claim and because Huntington never asked for proof of it being a legit claim they froze my account without having proof which they did not protect me as a consumer and violated my consumer rights. I have legit proof that the check that was deposited was a legit check and Huntington refuse to release the hold from both of my accounts. The check was in my name so there was no reason why it should have been a hold place on account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, JPMCB Card Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX XXXX ran my credit without my permission. I explained to the dealer that I, XXXX XXXX would not be a personal XXXX  for a vehicle as my company XXXX XXXX XXXX would be. Please take time to investigate this matter and remove any inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX Inquiries that I know nothing about and need to be removed. I believe that they did this without my knowledge. 

Credit Plus XX/XX/2022 XX/XX/2022