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

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam , EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Vehicle loan or lease

I purchased a certified pre-owned Mrecedes-Benz XXXX XXXX in XXXX of 2022, added onto the cost of the vehicle was a prepaid maintenance package that cost {$3100.00}. In XXXX of 2022, someone pulled out of a XXXX parking lot and took the front nearly off of my vehicle. The vehicle was deemed a total loss. I never got to use the maintenance package whose sole purpose was to take care of Mercedes-Benz recommended/routine maintenance such as oil changes and transmission servicing for a period of 3 years from date of purchase. I had no issues with the vehicle besides a window being vandalized while parked on my street that was quickly repaired at Mercedes-Benz . Upon my attempt to cancel this prepaid maintenance package I was told it was non-cancellable, that it could be transferred but not cancelled. I explained I never got to use it, therefore it was not in effect yet, such as with the extended warranty I was refunded for. Mercedes refused to issue a refund for the service package.
Product: Credit card or prepaid card

Citi Rewards Card Ending in XXXX On XX/XX/XXXX, I received a text message asking me if I tried to make a purchase in excess of {$4000.00}. I replied no to the text and received a subsequent text asking me to call the fraud department. I did. I was actually sleeping when the text came through, but I responded within an hour or two of receiving the text message. 

I called the fraud department and spoke to a CSR and we discussed the situation. The CSR asked me to verify some other purchases. I never made any purchases with this particular Citi card since I had it. I just kept it for the credit building purposes. Anyway, the CSR asked me about other charges for gas at some gas station, a charge for XXXX XXXX and something else. I told him I've never made purchases with this card and know of none of those places. 

The charges were all refunded back to the card. {$4300.00} to XXXX XXXX, {$4100.00} for XXXX, but nothing ever came through for gas or anything else. This was in XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account to see if credit from a different vendor had reached a different Citi card from a XXXX purchase, and I see a balance of {$4100.00} on the Citi Rewards card. That same night I received a letter dated XX/XX/XXXX, indicating that Citi feels that I should pay for the {$4100.00} from XXXX because they think I had the card with me. I 100 % disagree with their findings and feel that I should not have to pay for a credit card charge that I did not make. I didn't have the card and Citi sent me a new card and asked me to cut up the previous card. I put that card away somewhere in a bin with other credit cards that I never use ; I just build my credit. 

I've never used this card for ANYTHING! I never even knew of the charges from the gas station or the XXXX XXXX until the CSR told me over the phone they there were there. Further, how could I be refunded one charge but not the other?
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX  XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX
Product: Checking or savings account

In late XXXX, my brother XXXX received a letter from Wells Fargo that my deceased brother XXXX was entitled to a refund from Wells Fargo for deductions from his account for the Identity Theft Protection - Affinity product. A check for {$3000.00} payable to XXXX was enclosed. That has been distributed to his surviving relatives. 

There was also a letter addressed to my deceased XXXX, XXXX that she had been enrolled in the Identity Theft Program, and inquiring whether she had enrolled in it. 
After several phone calls to the Wells Fargo number, I was told a refund check would be sent to me in her name for {$1100.00} which will be distributed to her surviving children. 

I had another brother and a sister who were Wells Fargo customers in XXXX, XXXX. They are both deceased. I have called Wells Fargo at the numbers provided on the refunds to my brother and mother to see if my deceased brother and sister were entitled to a refund. I offered to provide Social Security numbers for my deceased brother and sister to see if they were entitled to a refund. Wells Fargo representatives said they could only search by addresses, and not by Social Security. When I gave possible addresses, they stated they could find nothing. They repeatedly told me they could not search by Social Security number, which was necessary for my brother and sister to open their accounts. 

We are at Wells Fargo 's mercy whether or not they owe my deceased brother and sister money for deductions from their accounts. My sister was in charge for my elderly mother and XXXX brother. If my mother had an account at Wells Fargo, my sister would have had XXXX also. The fact they can not ( or will not ) index by Social Security number or taxpayer ID number is ridiculous. 

Is the CFPB auditing this process? They should be able tell by Social Security number if there was an account for a deceased person, and whether Wells Fargo deducted money from their accounts for unwanted and unauthorized programs.
Product: Debt collection

I was employed by XXXX XXXX XXXX XXXX as a XXXX XXXX from XXXX XXXX and I was suppose to be trained for XXXX hours before I was giving my own XXXX but I did not get a proper training and they gave me a XXXX knowing well that I did not fully trained and put my life at risk. I had XXXX XXXX during this time and this is what makes me quit there company so this is the reason why they said Im owing them
Product: Checking or savings account

Navy federal credit union charged me XXXX in overdraft fees they authorized transactions just to charge me over draft fees
Product: Debt collection

XXXX XXXX XXXX refuses to provide me with a sworn affidavit that I owe Discover Bank any money, they keep sending me statements of an alleged account. However Discover Bank owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent XXXX and XXXX and Discover numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, XXXX and XXXX and Discover Bank sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when Discover Bank doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

XXXX and XXXX is working with Discover Bank to commit fraud.
Product: Debt collection

I reported several times to each credit bureau an call customer service numbers multiple times never got a response nor answer about 3 different charge offs from car loans that werent mine Ive never had a vehicle of my own could never afford it now I can an I check my report before goin to the lot an someone has been me for several years I need help
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report that aren't mine. Identity theft report filed & submitted. 

Experian : 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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 Enhanced Recovery Company reported a false debt collection to XXXX  in the amount of {$200.00}. The debt is fraudulent.
Product: Credit reporting

I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB # XXXX Additional Information Account is Paid XXXX of Payment XXXX Account in XXXX and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. KIA never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have KIA Companies who have changed their names several times since XXXX recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.
Product: Consumer Loan

Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.
Product: Credit card

We applied for a loan in XXXX of XXXX and found that my husband could not obtain a loan due to a low credit score. From there we found out that there were 2 credit cards fraudulently taken out in his name in XXXX using a previous address and his SS # where we have not lived at since XXXX. When he called the credit card company, JPMorgan Chase Bank, to find information about the credit cards he was unable to get any information since he did not have answers to the security questions, ( because he did open up these accounts ) & an incorrect phone #. All they had was a previous address and his SS #. After talking to several people at JPMorgan they were able to change the address on the credit cards to our current address and then sent us copies of the statements. He was told that on the 1st credit card there were numerous charges made at XXXX for cash advances totaling over {$43000.00} in XXXX, PA. Then on the 2nd credit card there was over {$3000.00} of charges for cash advances at a XXXX XXXX XXXX , TX . We have never been to either cities to have been able to make those charges. Since we haven't lived at the XXXX address for over 19 years we never received any statements from JPMorgan Chase of the fraudulent accounts.. On XX/XX/XXXX we gave a copy of the statements to a XXXX County Sheriff police officer along with our statement of what happened and are still waiting for the report to be completed. But due to a large overload of cases the report has not been processed yet. We have submitted a request for the status of the report from XXXX County on XX/XX/XXXX but still have not heard back. We now received a statement from a XXXX XXXX XXXX for collection of the money. We have not payed any money yet and will be disputing all of the debt with the collection agency.
Product: Debt collection

A collection account was deleted from my report on XX/XX/2022. I had previously sent information demanding verification of the debt, and heard nothing from the company but they deleted the information on my consumer report. It was then reinserted on my consumer report on XXXX of XXXX. The company has my current address, and per the FCRA, they did not notify me of the reinsertion within 5 days of putting it back on. It needs to be deleted immediately for violation of FCRA Part ( A ) ( 5 ) ( b ) ( ii ). It also has no business being back on my consumer report due to the fact that the information was never verified. I demand it be deleted immediately and not put back on my report.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Experian -- -- - 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

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU XXXX
Product: Vehicle loan or lease

XX/XX/2021 NAVY FEDERAL extended what was supposed to be a vehicle loan. XXXX purchased XXXX insurance on the loan/vehicle in the form of a unilateral contract. NAVY FEDERAL entered the incorrect VIN number in the contract creating breach of contract. NAVY FEDERAL failed to provide upon XXXX ' request ( s ), an additional contract reflecting the correct VIN number of the vehicle, and the acknowledgement of XXXX insurance purchased. NAVY FEDERAL would then breach their Fiduciary Duty removing funds from the XXXX account without consent/permission. NAVY FEDERAL failed to provide the specific request ( s ) including but not limited to honoring the XXXX  insurance and the correct VIN number in the contract, or provide a full refund/ rescission of contract, requested by XXXX. NAVY FEDERAL also used legalese in the contract and portrayed the information as English in which XXXX did not have counsel to interpret the contract for proper comprehension. After the vehicle collision ( s ) NAVY FEDERAL would fail to honor XXXX insurance as well as the contract is voided under the UCC and CFR due to the contract failing to reflect specifics of the vehicle in possession in which proper accounting according to XXXX principles must be disclosed as well. NAVY FEDERAL has also defamed XXXX character by damaging XXXX ' credit score after their deceptive business practices creating multiple securities on behalf of XXXX acting as a beneficiary rather than the trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently come across unauthorized information in my name being used on my credit report and I would like to file a dispute. This information is unauthorized and I never approved it to reflect on my credit reports. I strongly believe that I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my behalf on my credit reports and I urge that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft on my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. Please investigate these serious matters and remove the disputed items as soon as possible.
Product: Checking or savings account

On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank. 

On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM. 

On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees. 

I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of them.