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

On XX/XX/XXXX, I reviewed my credit report and noticed an unauthorized hard inquiry initiated by Sams Club Business Credit Card. I did not apply for this account or authorize the company to access my credit report. 

Actions Taken : XX/XX/XXXX : Upon discovering the unauthorized inquiry, I immediately contacted the credit bureaus reporting the inquiry to file a dispute. 
A request was made to investigate the legitimacy of the inquiry and remove it if it could not be verified as authorized. 
XX/XX/XXXX : I reached out to Sams Club Business Credit Card to request an explanation for the inquiry. 
I was unable to obtain any evidence or documentation demonstrating that I had authorized the credit pull. 
XX/XX/XXXX : A formal dispute letter was sent to the credit bureaus ( XXXX, XXXX, and XXXX ) with supporting documentation, including a copy of my credit report highlighting the inquiry and proof of identity. 
A formal report was also made to the Federal Trade Commission ( FTC ) regarding this unauthorized activity. 
Outstanding Issues : To date, I have not received any resolution or confirmation that the inquiry has been removed from my credit report. 
I have not received evidence from Sams Club Business Credit Card proving that I authorized this credit pull. 
Impact and Request : This unauthorized inquiry has negatively affected my credit score and raises concerns about the potential misuse of my personal information. 

I am requesting the CFPB to : Investigate the legitimacy of this inquiry. 
Ensure that appropriate actions are taken to remove the inquiry if it can not be verified as authorized. 
Hold the responsible party accountable for accessing my credit report without proper consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  funds were removed from my bank account # XXXX and transferred to cash app bitcon member XXXX XXXX transaction XXXX XXXX via CashApp platform. This has caused great harm and hardship. I would like to be made whole from this fraudulent matter.
Product: Debt collection

XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

On XXXX my Victoria secret cards was accessed by a fraud person and they bought XXXX worth of product and had it shipped to Hawaii. I live in ga. I called Victoria secreXXXX who told me to call commity bank who owned the cc accounts. Commity bank and vs dont talk to each others and there system are not linked. I was bounced around and was finally told the fraud charge would be looked into and a complaint would be filed. XX/XX/15 I received a letter stating I closed my card which I did but I owes the money from The fraud charge. I called and waited on hold fo find out that they have a new system And can not access my account or any of my information! I was told to keep calling back every few weeks. How can a cc company not have a system thats works
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pressured into applying for a loan amount I did not need! I asked for {$XXXX} and the agent applied for {$XXXX}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!
Product: Vehicle loan or lease

I had gotten repossessed on XXXX and paid it XX/XX/XXXX and the finance didnt let me get the car until XXXX because they said i needed to pay what i owed and i said i had already paid and i was told i wasnt able to get the car until i was up to date so i provided a copy of the reciept which was for XXXX the last agent i spoke to before picking up the car on XX/XX/XXXX told me my payment would be XX/XX/XXXX so that i can get caught up and straighten everything out since i had lost my job due to the repo when i got the car it was all damaged scratched wheel was missing and the battery was swaped i had to pay for all that because i couldnt drive it all the way to XXXX since it was 2 1/2 hours away i wasted XXXX just on the battery but i paid it because i wanted to have everything right before my payment date which was XX/XX/XXXX on XX/XX/XXXX i wake up to no car i was shooked because noteven a month ago i had gotten it back from repo and its repossessed again i had bearly started working and i have XXXX XXXX XXXX going to school as you can imagine how hard it was i called westlake financial and they said they had no clue to call the police because its been stolen i was told there was no repo order for my car. So then i findout they do have it and the agent i spoke to laughed at me and yelled at me and said i was a liar because i was lying that i had bearly gotten my car on XXXX i told him i had documents of the date i signed the release and he just hunguo on me
Product: Credit reporting, credit repair services, or other personal consumer reports

CRPA does not verify disputes. They simply ask the company if it is legitimate. They dont verify with any contracts or paperwork or facts. They just say hey they claim this is false, and the collection agency just says yeah, no verification whatsoever. Experian and the debtor do not provide anu proof they just say you owe this. I called both at least 3 times and they say sorry we dont verify anything. The debtor said well send proof. Then they just send what you owe and dont send a contract or proof from the fraudulent claim.
Product: Debt collection

Requested that the debt be verified through the credit bureaus. Investigation came back and nothing was changed. Asks the company over the phone while on the line with XXXX XXXX about the debt and getting the info sent to me. Company has reported account as delinquent every 2 months and the differing amounts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.
Product: Mortgage

My name is   XXXX   XXXX   and I have problem with my mortgage lender. It look like the mortgage lender has been exciting and eager to foreclose my house while I am still making payment for them. Recently they rejected our payment and want to move on with foreclosure. They completely refused to speak to us and make us confusing to dual lender/ mortgage send out. We dont even know which one we need to talk. We owed one mortgage only for our property and 2 lender send letter to me which are   XXXX   XXXX   XXXX   XXXX   and Bayview Loan Servicing. They have same account number but when we have tried to contact them, none of them get back to us over the phone or formal request. We are struggling that we dont know what we should do due to threaten to foreclose our house. We need to address 2 issues : who is our lender and why they said we are behind on mortgage while we are making mortgage regular payment.
In  XX/XX/XXXX , we have filed bankruptcy chapter  XXXX  due to foreclosure of the house in   XXXX   XXXX  . However, we are still making fully payment for my mortgage of subject property   XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX . We have attached the proof that we made payment since then to now. Now we are ending up that we are behind {$17000.00} more for mortgage. We dont even know where it comes from.
We have attached proof from  XXXX  transferred to   XXXX   XXXX   XXXX   XXXX   as of XX/XX/XXXX  with last payment and balance. We dont even see that we are behind when we are with   XXXX   XXXX  . Once it transferred to   XXXX   XXXX   XXXX   XXXX  , it showed that we are behi  nd while we made regular payment since with  XXXX  to now.
Product: Student loan

Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.
Product: Mortgage

I have been trying to refinance my triplex through PNC mortgage since XXXX of this year. The first time XXXX - XXXX they canceled the loan application, WITHOUT authorization from me. I restarted the loan application with PNC out of XXXX in mid XXXX and their processors are in Pennsylvania. I have been at the second time around since XX/XX/2016. I am so frustrated it is taking this long. I am currently financed at 7.75 % they offered me 3.5 % and said it would take 6 weeks. It 's going onto 5 months now. They said they were ready to close in XXXX, but the title company could n't match the address to the insurance paperwork on file. Now they just told me they need an appraisal. I was initially told that was not necessary. They told me today it did n't matter if it did n't appraise or not as it was just a formality! Why are they charging me almost a {$1000.00} for this. Why ca n't they use my assessor 's card? I owe considerably less than it is valued at. I do n't believe this will EVER CLOSE! ~!!
Product: Debt collection

I 've already filed  XXXX  wo complaints because this company continues lie about my account and give me the run around. Y es, I had insufficient funds to make the  XXXX   XXXX , payment so it was declined and I called that day to make arrangements for a payment on  XXXX   XXXX . I have the email regarding the decline on  XXXX   XXXX , but the payment that was supposed to be made on  XXXX   XXXX  was never charged or declined by my bank. The money was there. And I was not notified of such a decline. Nor did I receive a statement in  XXXX  indicating that there had been any kind of decline or what would be taken out for  XXXX  or what I owed. I sent an email, since my phone calls were not going through as I work during the day -- and assuming that this email has to be monitored because it 's where they requested that I send my signed contract, they would have seen that I had not been receiving my statements and did n't know why they were not charging my payments. Still nothing. Until  XXXX   XXXX , I had not heard a single thing from this company by phone, email, or mail. Obviously they have my mailing address because it appears on my decline email, and obviously I could get emails from them, because I have this decline email, but I never received another thing from them after I made arrangements on  XXXX   XXXX . And yes, I told the rep to shut up, because I was sick and tired of getting this kind of run around and being fed these lies. One of the managers admitted to my husband that this was the company 's fault, and given that I have every right to have filed a complaint. I had received NOTHING -- no responses, NOTHING -- after my call on  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights : Account Name 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 {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

15 U.S.C. 1681n Negligence & Noncompliance Under 15 U.S.C. 1681n, consumer reporting agencies, like Equifax, and XXXX are liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). This statute holds them accountable for failing to protect consumer data and ensure accurate reporting. As a victim of identity theft, fraudulent accounts were created in my name due to Equifaxs negligence, severely damaging my credit. I am invoking 15 U.S.C. 1681n to demand the removal of these accounts and compensation for the harm caused. If noncompliance continues, I will pursue all legal remedies available under this statute. These accounts were removed from XXXX see attached docs. Also have breach number as well XXXX see screenshot docs
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to XXXX and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on XXXX provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.
Product: Credit reporting or other personal consumer reports

I was checking my credit score on XXXX using a different crediting agency other than credit karma and I noticed about XXXX inquires on my account that I know I never authorized. I have not opened up anything with my credit. I have had an issue with my credit since I was a child when my mother used my credit for cable I need help with taking these things off of my credit. Here is a list of all of inquires not made by me. 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 AMERICAN HONDA FINANCIAL. some of them more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach, and I have gotten into the hands of the wrong person.
Product: Debt collection

I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.
Product: Debt collection

On XX/XX/2020, Phoenix Financial services reported collection on all 3 credit reports stating that I owed {$690.00} for a medical bill. After contacting the original creditor XXXX XXXX XXXX XXXX, I found out that my insurance was not billed for said medical bill. After updating insurance information it was stated that the collection would be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly receiving harassing phone calls from Agent Heard at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the XXXX, XXXX had 21 days to respond with a completed notarized XXXX XXXX XXXX. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All XXXX Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) Experian- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.