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

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX   XXXX/XXXX XX/XX/2018 I have contacted XXXX  to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my Experian is XXXX XXXX XX/XX/2018.
Product: Debt collection

In XX/XX/XXXX, I had surgery at XXXX XXXX, My insurance paid all except {$5300.00}, which is now {$5300.00} because of a {$54.00} payment I made to the XXXX XXXX website in XX/XX/XXXX. In XX/XX/XXXX, I went onto the XXXX website to apply for financial assistance, and/or payment arrangements, I also updated my mailing address. After applying for financial assistance, I didn't hear anything back from XXXX XXXX, in which I thought I was approved for financial assistance. Almost two years later, I look at my credit report and see the Aargon collection agency, whom I never heard anything from, collecting the past due amount from XXXX XXXX and XXXX XXXX XXXX. After not being able to resolve this issue over the phone with XXXX XXXX ( XXXX ) billing, I drove to the XXXX  facility hoping XXXX  and I could come to a better understanding of why I wasn't receiving mail from them and to resolve this issue with this debt on my credit report. XXXX XXXX XXXX, I couldn't understand why I hadn't heard anything before putting this collection on my credit. To my understanding, XXXX didn't update my address, plus I asked Aargon to validate my debt, but instead was sent a copy of my medical records, which to my knowledge is a violation of HIPPA regulations. I never signed a HIPPA form authorizing Aargon to have access to this information
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Product: Vehicle loan or lease

I purchased a vehicle with US Auto Sales in XX/XX/2022. I received a letter from a company called Westlake Portfolio Management stating that I were to start paying them for the auto loan. Later I noticed that Westlake was placed on my credit making my score drop by about 60 points. The amount that was reported to the credit bureau is the same amount of the original loan with US Auto Sales. I was advised by Westlake that they didn't honor the extended warranty purchased with US Auto Sales. My car was repossessed on XXXX by Westlake who is not a lien holder on my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : XXXX XXXX XXXX. 
Reported : yes, to most credit bureaus and lender with no fair resolution.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, Experian failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed accounts are XX/XX/XXXX: Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XX/XX/XXXX: Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XX/XX/XXXX/XX/XX/XXXX| XX/XX/2023 : Account number : XX/XX/XXXX This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX XXXX XXXX XX/XX/2023 : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX XXXX XXXX XX/XX/2023 : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 
Experian 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate Experian 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Product: Checking or savings account

My case # XXXX Today I sent in SBA loan documents with my name to prove ownership of the funds that you are currently withholding from me and the CPA letter from a certified accountant that files my taxes every year. I need the remaining balance of {$22000.00} released. I have to pay these funds back to SBA. The funds that you have been holding has been held by your bank since XXXX and I already talked to SBA about this matter they said you do not have the authorization to hold onto my funds. These funds are needed to keep my business afloat. Please release my funds that are rightfully owed to me. Ive been going back and forth with different representatives in the executive office for months
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating My consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my information pursuant to 15 USC 1681 4 After during research online to see if this has happened to anyone else. I found that this company has a history of bad reports from consumers and of other customers. They should be shut down from taking advantage of consumers with the horrible customer services. 
This is a false and misleading tactic used by the company and is it illegal. 

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to XXXX and 1 to TransUnion. I did not authorize any such requests. 

XXXX received Inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received an inquiry from - XXXX XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both XXXX and TransUnion ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB
Product: Bank account or service

I'v been a happy customer of pnc bank for almost a year now but was very dissapointed when I signed up for a service to email me when my account was overdrawn and it did not do this service, resulting in several overdraft fee 's. I calmly called pnc and told them that I recived a email about me overdrafting after I was already charged. They do give you 24 hours to account for the negative transactions, but because I rely on these services that were offered to me I was unaware that I was in the negative. The man apologized and offered to rid the extra charges given to me. But he also told me that I needed to put money into my account to account for pending transactions on my card. I told him that would n't be a problem and that I was in a rush to work and that I would deposit the money into my account when I got off. He said I 'd be fine and asked if there were anything else he could help me with I told him no and to have a nice day. I got off work and put the {$40.00} into my account which was enough ro cover my negative account and my pending transactions around XXXX. The next day I was charged for the pending transactions and more overdraft fee 's. I did n't know what to do at this point, so I call pnc bank again and ask what was going on with my account and was told I did n't put my money into my account before XXXX. Now I understand there are rules which is not a problem with me but the fact that I was not specifically told that I needed my money in before XXXX. I tried to fix my problem by putting the money into my account. I called and talked to several people about it and they all told me they could n't do anything for me. I 'm just upset that there was an opportunity for the employee to tell me the deadline was XXXX and he did n't tell me. Thought the several calls I had made there were different information given to me by each on and nothing seemed clear to me. Pnc never put me in the right direction in order to fix my account and when I had asked them for help there was nothing they could do for me. I feel this was very poor service and the last two pnc worker 's were rude with me. I genuinely tried to fix my problem and was told I was wrong and nothing could be done for me. And because of the lack of training in this guy who miss informed me and told me I would 've been fine depositing after work, I was charged {$200.00} in overdraft fee 's. I would 've avoided this whole situation if I was given one piece of information. I almost missed my family reunion because of these charges to my account. Everyone I talked to seemed to not care at all and for that I will be leaving pnc.
Product: Mortgage

Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.
Product: Mortgage

On XX/XX/2022 we submitted a payoff of the mortgage via wire transfer on behalf of the borrower in the exact amount provided by the mortgage company SPS, Select Portfolio Servicing , Inc . The good thru date of the payoff was XX/XX/2022. On XX/XX/2022, we received the wire back from SPS. When we called to find out why it was sent back we were told that the payoff was " short. '' They never reached out to us via email or phone ( our phone number was included on the wire confirmation ). They claim they called the borrower a few times, but admitted to never reaching out to us. We accrued almost 2 months of interest because of their lack of communication. When I spoke to a supervisor about it, he said it was " weird '' and was of no help. I believe SPS did this to make more money on the daily interest.
Product: Debt collection

This company has not recognized my right to privacy by reporting this alleged debt to the credit reporting agencies. I have not given consent for this alleged debt to be reported. I believe this is a violation of 15 USC 1692d ( 4 ). This company has also not verified this alleged debt which was requested in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account entry with Discover Financial Services and the credit bureaus alike for the inaccuracy in the reporting. Discover is currently reporting that I have a past due balance and past due amount of {$1300.00}. However, Discover sent a XXXX for this same account entry. They did not update the credit bureaus with this information and has since then continued to report this amount. Since the XXXX was sent, it established the premise for the understanding of the IRS tax law that since Discover canceled the debt with the sending of this form, it should be reflected as such on my credit report. 

When I disputed this entry previously with Discover and the credit bureaus, I was informed that the account entry had been verified. This is far from the truth because if it had been, it would be reflected on my credit reports. To that end, this entry must be deleted as it is inaccurate. See attached documentation.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 Section 602 States 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, 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

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 15 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 an account with my written instructions.
Product: Checking or savings account

I haven't been able to view my card in the app for months. Prior to this happening, I was able to view my debit and credit builder cards. This would show me exactly what was on my physical card, in case I didn't have my card with me and needed the info. Now I get an error saying it's unavailable. I have attempted all troubleshooting as I personally work in tech. I also advised the customer service agent who I talked to on XX/XX/year> that I've done the troubleshooting and the issue persists. The agent kept mentioning issuing me a virtual card. This isn't what I wanted as this would've been a different card number/CVV that would link back to my card, but wasn't the actual info on my physical card. This isn't what I wanted, nor was it going to solve the issue. I asked why this change, and the agent couldn't answer my question. At this point, I requested a supervisor, and instead was transferred right back into the customer service queue, which at that time, was 15 min long. I didn't appreciate the stunt that customer service pulled, nor did I appreciate my time being wasted, hence why I came through CFPB.
Product: Debt collection

A new account in collection was added to my credit report, then followed by a letter. None of the account information is anything I have ever opened on my own behalf in my name. The collection was either added by mistake or I could be a victim of identity theft. 
I asked for the written agreement and signatures along with any other info when the account was opened. That could not be produced. This is a red flag - how can a collection be placed on my credit file with no supporting info except my name ( which isn't even correct ) and an old address. This info is easy to find on the internet, I don't understand how these practices can happen without proper investigation.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX-Balance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00} XXXX XXXX-Balance {$1200.00}