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

I have collections and hard inquiries on my report that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX acct XXXX has violated my rights
Product: Debt collection

We have been in a dispute with Ally Financial and now XXXX XXXX since XX/XX/XXXX over closing out an auto lease, with at least XXXX calls on various dates asking for an explanation on why we have an outstanding balance of {$530.00}. Throughout the various phone calls, the answers wavered between a cracked windshield and a missing payment or payments. We provided the XXXX XXXX XXXX XXXX that covered incidental damages and proof of our Ally statement showing we made the XXXX payments as the contract required. XXXX XXXX wouldn't even accepXXXX XXXX XXXX  statements for payments and requested time stamped bank statements showing proof of payment, in which we provided. This seems very unnecessary when they couldn't accept the Ally Financial payment statement. We also requested an updated final statement, as they amount we owe doesn't even match the amount on the final statement. We were sent the original statement dated XX/XX/XXXX with no updates made. Again, the amount on the XX/XX/XXXX statement is for {$940.00} and the amount they are now saying we owe is {$530.00}. This was sent to XXXX XXXX on on XXXX and XX/XX/XXXX. We have been told that their account team is reviewing our account XXXX times now and someone will be back in touch with XXXX XX/XX/XXXX hours with a response. To no avail, there has been no follow-up. When I explained my frustration that we have received this same response before, they responded we would then have to call in and check on it. I also filed a complaint with Ally Financial on their XXXX XXXX on XX/XX/XXXX, and was told we needed to call a number that went directly to XXXX XXXX. I also emailed that same complaint to XXXX requesting a reason on why we owe the outstanding balance. The complaints didn't go anywhere for a response. We continue to receive letters with Notice of Intent to Report Negative Credit. The letter states the willingness to work with us, which XXXX has been done on their end to help explain why we owe when have proof of meeting our contractual payment obligations. The only thing we get when we bring this fact up is their account team is reviewing, and the cycle goes on. We are beyond frustrated with nothing coming from Ally or XXXX on a response back for the outstanding balance. We have attempted several of times beyond what should be acceptable to have them provide us an explanation of the outstanding balance. Missing payment is not the answer when we have provided all the supporting documentation of the payments made. This is a bank and have regulations they should be following in adequately addressing complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX Employer - XXXX XXXX  XXXX Employer - XXXX
Product: Debt collection

I believe that this company violated HIPPA because they discussed this account and my medical history with relatives. I dont think this is something that they are allowed to do. I am asking that they withdraw this account and send it back to the original medical provider. I am appalled that they shared any information about my account or medical history to anyone they get on the phone. 
I do not wish to deal with them and I will get an attorney involved if I have too. 

I would like for them to put in a request for them to remove this account from my personal credit reports.
Product: Checking or savings account

On Friday XX/XX/XXXX. Restaurant charges were taken from my available balance. There where no checks written on my account and nothing pending as of Monday Morning. On Monday evening the bank charges me 6 nsf fees all which had come out of my available balance on Friday. The representative stated this is because of a charge that posted on Monday for XXXX. The bank is constantly moving things around to charge additional overdraft fees when the money has come out of my available balance. The only thing I use is a debit card so I am unsure as to how is this possible if it is already taken from my account. My account went from -XXXX to being negative over XXXX dollars. They picked and. Choose which accounts to charge a fee. I would think all of the restaurants and shopping stores after XX/XX/XXXX would have a charge as well.
Product: Checking or savings account

I received a letter today via XXXX from VIO Bank on XXXX  XXXX thanking me for opening an Online Savings Account on XX/XX/21 with them. I immediately called to cancel the account. They will send me a cancellation letter in the mail, but recommended I contact the 3 major credit reporting agencies : XXXX, XXXX  & XXXX, as well at the FTC & local police to file a complaint. I have filed a complaint with the XXXX XXXX, PA police department, case # XXXX. 
I was also told to have the police issue a subpoena via certified mail in order to release information on the account opening- but police indicated that is not the process.
Product: Debt collection

I received a letter stating a check I wrote to the pharmacy was returned. The letter stated I was being abusive and stating i was a fraudulent check writer. It also stated i have created a " history that reflects an attempt to commit fraud ''. The letter went on to state I had the option to resolve the issue if my error was " not an attempt to commit fraud. 

The amount of the check was {$16.00} cents. I went online to try and pay the error and they gave me the option to pay by check ( ironically ) however, they wanted to charge a processing fee of XXXX in addition to the returned check fee.
Product: Checking or savings account

On XX/XX/2021 I noticed a large charge for {$1800.00} was removed from my account for a company, XXXX XXXX, XXXX. I immediately knew this was a fraudulent charge because I live in XXXX, CA. and this company is only in XXXX, Florida. I tried reaching out to the company first. The company has no website and no known contact information. So, I immediately ( that same day ) reached out to our bank, Golden 1 Credit Union, to file a fraud claim investigation. I was told that Golden 1 would issue a temporary refund while the investigation completed. Months went by and Golden 1 never reached back out to me, nor did they keep me up-to-date on the investigation. On XX/XX/2021 I received an email telling me that Golden 1 concluded their investigation and found that the charge was correct. This is absolutely untrue. I called Golden 1 Credit Union immediately on Friday, XX/XX/XXXX asking to see the " proof '' they had that this charge belonged to me. They told me they would provide that but could only do so by sending me it through the mail. I waited, and as of today, XX/XX/2021, I have not received ANY proof from their investigation. I, once again, spoke to someone today XX/XX/2021 and am being told there is " nothing else we can do ''. Golden 1 is taking back the {$1800.00} on Friday, XX/XX/XXXX. This is completely wrong. The bank has refused to work with me on proving this charge was made by me or my wife. This company only does business in Florida. I have never been to Florida. 
I was finally able to find a phone number for this company and called it five times. I only get two spanish speaking individuals and when I mentioned my name and that I was calling about a fraudulent charge they immediately hang up on me. 
There is NO WAY that Golden 1 reached out and spoke to this merchant. If they did they would have immediately realized this is fraud. How can I be responsible for {$1800.00} when I NEVER made this purchase?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, I paid my account in full. Customer Service notified me that we would need to cancel my scheduled payment for XXXX, so that I could instead submit a payment for the full payoff amount. Customer service took my payment over the phone by visa debit card. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( XXXX ) confirming the account was paid in full. I received the title with release of lien dated XX/XX/XXXX. Despite being paid in full, when checking my credit report, the account showed as delinquent for XXXX, and showed an unpaid balance with the credit bureaus. I called XXXX several times, and filed disputes with the credit bureaus. The credit bureaus provided the copy of the title and the letter as part of the dispute, submitted the dispute to XXXX who subsequently rejected the dispute. I called XXXX again, and was then promised by their escalation team that it would be removed from the credit report on XX/XX/XXXX. We are now the XXXX of XXXX and not only has the XXXX delinquency not been removed, but now XXXX is reporting another delinquency for the month of XXXX. I made an additional attempt to resolve this with XXXX today by phone. They continue to state theyve already escalated this internally, and yet nothing has been done to this date to resolve it. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off a

t 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account.

I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX XXXX has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.
Product: Mortgage

First issue is mortgage company is " estimating '' entire taxes to be {$7000.00} more than what it actually is. After receiving this letter about the " estimated escrow '' we sent in a check to be applied to the escrow of {$2500.00}. Second, they are refusing to give the refund for the OVERPAID amount of escrow from the previous year. Third, ( currently ) the previous monthly mortgage payment is being put towards the bogus " estimated escrow '' and not classified as the monthly payment. This means they are now trying to charge me late fees and reporting that I've missed payment. As well as refusal to refund the OVERPAID amount I sent in to go towards their " estimated escrow '' .. 
On XX/XX/2019 I called about the inflated and false escrow issues. Was told to email all documents I received from the tax office and would hear back within 24-42 hours. As well as to continue to make " regular '' house payments by XXXX and that a request was sent about the escrow refund. On XX/XX/2019 I called back to followed up. Was refused when asked to speak to XXXX and was again trying to explain everything I already did before just for the man on the phone to seemingly not have a clue what I was talking about, but gave me an email address to send the current year and previous year 's tax documents to again.. When asked about the Escrow refund I was told that it would not be refunded and that it was put towards the interest. Again, on XX/XX/2019 I followed back up to only go through this cycle again, but with the addition of them applying the monthly mortgage to the escrow and not as the monthly payment ( even though the payment is mailed with the monthly statement payment stub ). 
I want our previous year 's escrow refunded. For the amount we over paid towards the current years " estimated escrow '' to be refunded and CORRECTED per tax documents. As well as a statement sent to credit bureaus to correct and remove the " late '' payment. For all other future payments to be applied correctly. And for monthly mortgage payments to be reduced to reflect the correct escrow and insurance amount.
Product: Credit reporting or other personal consumer reports

I asked Experian to look into a XXXX dollar debt I seen pop up on my credit score. They never notified me that an investigation was going to happen or did happen. In fact I had to check the website less that XXXX hours later to find that they said the information was correct when in fact I know it is not and I can not seem to get the removed from my credit or get a proper investigation into what this is. This debt says it was bought from another company. It was bought illegally without any signature from me and I was not given any proof of how this could be mine.
Product: Debt collection

XXXX have not removed this fraud off of my fraud its been on for over 7 years, I've reached out multiple times demanding this charge off of 7 years be removed. XXXX XXXX keep changing dates so it can stay on my credit. The account is fraud I never received XXXX from this company. Plus help me get this account deleted off and stay off. LVNV Funding is also on XXXX as a collect. I've etched out to this company requesting a signed agreement, I've never heard of this company or agreed to any agreements this account is fraud. I've spoken to XXXX about this as well as LVNV Funding LLC they both are breaking the law with having this fraud on my repot. Please help,
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a service from the company XXXX XXXX XXXX XXXX XXXX. The service I puchased was the installing of two new ceiling fans and electrical wiring through the attic needed for the fans to operate correctly. The total cost of the service was {$500.00} plus tax and a total charge of {$510.00} was billed to my Capitalone Credit card with numbers ending in XXXX. 

XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX came out to my condo and installed the two fans. Both fans were brand new in the box and both were tested to make sure they worked perfectly before they were installed. However, I discovered on the same day that he completed the job after he left my condo that only one of the fans was working properly. I contacted him numerous times through the XXXX messaging service which was the platform I used to hire him from asking him to either refund me for the fan which wasn't working or come back to fix the issue. XXXX XXXX refused to give a refund and also refused to come back. I attempted to resolve the issue through the XXXX dispute resolution process and XXXX was unable to resolve the issue and persuade XXXX XXXX XXXX  XXXX Services to either return to my unit to fix the wiring or give me a refund. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for one half ( {$250.00} ) of the {$510.00} charge since XXXX XXXX XXXX  XXXX XXXX only installed one of the two fans correctly and they were paid to install two fans. I will now need to hire an electrician and spend more money to correct the mistakes made by XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of an accounts listed on my credit report. After reviewing my Experian credit report dated [ XX/XX/year> ], I noticed the following account that I believe are inaccurate. The accounts in question are : 1. Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX  ] 2. Account Number : XXXX Creditior Name : XXXX 3. Account Number : XXXX Creditor Name : XXXX XXXX I have already disputed this account with XXXX, and they have removed it from my credit report. Given this action by XXXX, I request that Experian also review this account and make the necessary corrections or deletions if it is determined to be inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is the XXXX time I have filed a compliant My name is XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  please delete/remove any other addresses they are not mine. Please delete the following : 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 XXXXXXXX. 

I would like to request a SECURITY PIN FOR ALL XXXX CREDIT BUREUAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date 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

Have reached out to Equifax to clear fraudulent hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX on XXXX XX/XX/2022. Attempted to resolve XXXX separate times without resolution. A separate fraudulent event was resolved with my credit and a fraudulent account with a bank that was resolved, but the hard inquiry has not been resolved. 

Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022 Complaint # : XXXX Submitted : XX/XX/2022 Completed : XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and Equifax are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, XXXX XXXX Equifax ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached
Product: Checking or savings account

I received a check from a lawsuit from my job that was made through a chase check and they refused to take my check and they closed my account