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

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to XXXX or XXXX banks to try and get a better deal without notifying me or with my permission. 
Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. 
So I was told I can get help here. 

Thank you, Below are the list of banks and companies that were not authorized to check my credit. 

XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX - unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - Unauthorized inquiry dates- XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX - unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX - Unauthorized inquiry Date - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX - unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX Thank you
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ADMIN/DIV OF TAX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED 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  have all violated my rights .

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

After beinga customer with XXXX banking issues iver 30 years same account, they locked the online access and digital banking KNOWING inwas traveling with XXXX XXXX XXXX  in XXXX and the other very ill, they offered only XXXX solutions and refused the normal process of XXXX  ... would not give any info how to fix it except to go to a branch OR any foreign bank and get a letterhead with XXXX ID and obviously XXXX go to a branch isn't available, and when I went to XXXX banks overseas NOT ONE has letterhead, they also didn't understand it and thought I was trying to confuse them. It is ala9 reprehensible that PNC knows this is my deposit account for pensions and they don't care. 

So in short they are after 30 years preventing me from being paid by XXXX and I am also locked from the help of bank reps since I can only talk to the fraud department. 

I told them the overseas bank doesn't fax, it is archaic to expect foreign banks whom I'm not a customer of to put on letterhead that does not exist and to fax which they don't use and PNC is like " oh well, that's our process ''. 


XXXX is my contact info XXXX Attached is from my XXXX bank XXXX and even they don't have it.
Product: Credit reporting or other personal consumer reports

am a victim of Identity Theft. The account was opened without my knowledge and these accounts do not belong to me. Please see attached FTC and police report.
Product: Credit card or prepaid card

A better description of what happened to me is posted here : XXXX XXXX XXXX Background : I have a new bank of america credit card and signed up for auto-pay, selecting the " amount due '' option to be payed on the due date. There is another " pay minimum amount '' option that was left unchecked. The problem is that selecting " amount due '' actually results in paying only the minimum amount, resulting in interest charges. There have been multiple online complaints over this and B of A refuses to fix this confusion and continues to collect interest payments as a result, which is WRONG. 

Specifics 1. XX/XX/20 : I received an alert on the due date that only the minimum payment ( {$140.00} ) was received. I went online to try and pay this manually but the site was down and payments could not be administered manually. 
2. XX/XX/20 : I called B of A and complained. They said they would register the complaint but indicated I needed to call back if/when any additional charges were added. I went online and paid the full amount manually ( {$3200.00} ) 3. XX/XX/20 : I received a statement indicating {$39.00} interest charges were added because only the minimum payment was received on XX/XX/20 from the auto-pay option " amount due '', again " pay the minimum amount '' was UNCHECKED. 
4. XX/XX/20 : I called B of A asking them to remove the interest charge of {$39.00} and they refused stating that if you clicked a separate link ( that was not included in the pull down payment options ) it explained that " amount due '' and " pay minimum amount '' are the same and may result in interest charges. 

B of A can and could-have easily fixed this confusion as several others have complained per previous link -- - but they refuse to do so to-date. Their explanation was that this global payment portal was used for several different types of payments and that for credit cards -- - " amount due '' and " pay minimum amount '' are actually the same thing, which results in interest charges. I believe this is purposely misleading the public to collect additional interest and is something that can and could-have easily fixed.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENTS IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE
Product: Debt collection

Debt not validated and as such should be deleted XXXX XXXX XXXX  Original creditor : XXXX  BANK Balance {$5400.00} Balance updated XX/XX/2022 Original balance {$5400.00} Wrong dates and as such should be deleted off my report
Product: Student loan

Account : XXXX At 3.25 % interest rate, unpaid interest and unpaid fees was {$70.00} on XX/XX/20. 
At 3.25 % interest rate, unpaid interest and unpaid fees was {$110.00} on XX/XX/20. 
As usual, Navient is stealing money, unless it is corrected Navient will be sued again second time.
Product: Credit card

Care Credit has charged me an obscene account of interest when a promotional balance was paid off. They also were applying my monthly payments towards a promotional balance that had a expiration date further out than the one I was paying off. Therefore, made my expiring balance not paid in full on time. I have the Statements showing promotional balances paid in full but are still charging me interest.
Product: Debt collection

I am a victim of identity theft and noticed a collection from AMSHER COLLECTION. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I just recently took a look at my credit report and I noticed a bunch of fraudulent activity on it. Im sending an attached PDF file from the FTC to address this matter to be deleted from my report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I began disputing balance on my credit report. My credit score went down, and I submitted several disputes to clear up the fact that XXXX XXXX XXXX dba XXXX XXXX transferred my mortgage to another mortgage servicer on XX/XX/XXXX. Experian sent me information the dispute was resolved. The balance is still showing on the Summary for my credit report. When I called Experian, I was told it " takes time for it to go off your report '' and even though Experian shows the account is closed, the balance is being factored into my credit score! I reported this over and over and I have attached a screenshot of experian 's website for you to see it yourself. Now, Experian is stating the dispute will be resolved by XX/XX/XXXX. This is so horrible, my credit score, my life is greatly affected by this false and inaccurate reporting!!
Product: Checking or savings account

My ending balance is positive and my available balance is negative, so Wells Fargo is still charging overdraft fees on the positive balance. 

If done correctly, there should be no fees, and on days when there might be one fee, they have switched things around so there are many.
Product: Vehicle loan or lease

I was in a total loss accident in XX/XX/2018. After the process, and insurance settlement with Toyota Financial Services, they are stating, after community sting to my wife and I otherwise, that we owe an extra {$3800.00}. This amount is reflective of the insurance payout after the initial estimate. We were told by Toyota Financial Services that we did not have to pay that money to them as we had Gap coverage and it was settled. After GAP processed its part, Toyota Financial Services have us 20 days to pay the full amount requested. I believe this to be in violation of the fair debt collection act.
Product: Credit card or prepaid card

I opened an XXXX XXXX XXXX serviced through Synchrony Bank. I was charged a {$30.00} Security Fee on my first statement. No where on the statement does it explain what this fee is for or the benefits it pays for. When enrolling for this card a month ago, I did not opt in for any security service, nor was I advised there was a mandatory service for this card. I have sent a message to customer service, but wanted to report this as there may be other consumer who are unaware of what they are being charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the XXXX XXXX XXXX forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to Experian and XXXX. XXXX was corrected. XXXX has corrected, Experian is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX  XX/XX/XXXX. Just got my updated XXXX bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by Experian. 

The XXXX XXXX gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Equifax credit reporting agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Accounts in violation such as follows : Account names, numbers, and addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!
Product: Credit reporting or other personal consumer reports

My business credit is showing to XXXX different profiles when it is being ran. XXXX profile has my personal address and business tradines and the other has my business address but no trade lines. I need these XXXX to be merged together. I have already reached out to experian over XXXX months ago. They told me to send an email and it would take XXXX days but we are way past that timeframe
Product: Mortgage

I want to file a SECOND COMPLAINT against Wells Fargo Home Mortgage for the deceitful, dishonest, and corrupt, method in which they have processed my loan modification, which resulted in another denial. I have faxed all requested and repetitive documents to the modification department for quite a lot of months, turning into several years. I was constantly transferred to different Wells Fargo representatives and agents, I believe this is clearly a violation of the HAMP Eligibility and the program codes XXXX & XXXX ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and codes XXXX & XXXX ( Single Point Of Contact ). 
In XXXX, I became very ill and was diagnosed with a medical condition making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments I implored for help I was distressed and anguished This entire process has become a nightmare. I truly believed that once I followed their directive I would be approved for a modification, I have continued to plead with them and explained my difficult situation no avail. 
I was never made aware that my loan was accrued by a private investor XXXX BANK, XXXX. as Trustee for WFMBS XXXX, I do not understand why they are involve with my loan and are refusing to help me I strongly believe they are in violation of the guidelines of the Emergency Economic Stabilization Act of XXXX and the Foreclosure Relief Act of California XXXX SB XXXX and XXXX XXXX XXXX & XXXX. 

In addition Wells Fargo has valued my home at a horrendous amount when in reality the properties around my home have sold for half, I presume Wells Fargo 's action is to make it unworkable, impossible to get a modification they are devious and corrupt .I have attached sale comparable of my area as proof of what I am complaining. 
I strongly believe Wells Fargo Home Mortgage is not in compliance with the government standards and codes, therefore I ask that you apply your regulatory authority and re-evaluate Wells Fargo Home Mortgage policies and their process of assisting home owners with the modification under the Making Home Affordable ( XXXX ) program, It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. this federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 
Furthermore, I think Wells Fargo Home Mortgage is in violation of the guidelines of the Emergency Economic Stabilization Act of XXXX and the Foreclosure Relief Act of California XXXX SB XXXX and XXXX XXXX XXXX & XXXX and I fall within the aforementioned guidelines. 

Their lack of willingness to assist home owners, specifically those who have a medical condition and have a crisis and live in desperation should not be tolerated by your organization. Wells Fargo has demonstrated we are insignificant to them, they lack customer value and fail to respect home owners in crisis.
Product: Debt collection

I have recently checked my credit reports and it shows that I am in collections with a company by the name of XXXX XXXX XXXX which I believe is tide with XXXX XXXX. Reports state that the account was opened XX/XX/2017 and that I owe {$710.00}. I never opened an account with XXXX or XXXX XXXX XXXX. This account is not mine, this must be fraud. I have attempted to call but they can not find me in there systems.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX  XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with XXXX  because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. ALLY FINANCIAL Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4.  XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let XXXX know that they need to put these accounts on my credit report because this is a defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full my balance to Stallings Financial on XX/XX/2017. I received aletter with a XXXX balance form the company. The company is reporting to XXXX that this is an unpaid collection. XXXX has attempted to verify the status of this account 5 times and Stalkings is continuously verifying it as an unpaid debt. Attached is the XXXX balance letter, a copy of my bank statement showing when I Paid. I contacted Stallings and they said there is nithng they can do when I asked them to submit the account as paid to XXXX.
Product: Debt collection

I did not receive any notice of this dept if so I would of put my medical insurance information, I 've had medical/iehp since 2009
Product: Credit card or prepaid card

I recently found some unauthorized charges on my Wells Fargo Visa card. The XXXX separate charges totaling {$290.00} were made on XXXX I notified Wells Fargo by calling XXXX on XXXX which is when I noticed the charges. I reported the unauthorized charges as fraud. At this point in time the funds have not been credited to my account.
Product: Debt collection

Today this company shows up on my credit without prior notification or any type of way to dispute it. this is illegal and the account is not mines.
Product: Checking or savings account

I fraudelent charge of {$2900.00} was debited from my checking account at Chase bank from XXXX XXXX XXXX. I received a text and email asking if I made this transaction. I said no. It was processed anyway. My email was also hacked, as I received an email that these tickets were cancelled. The bank returned my funds 7 days later. And now they are saying a month later since the charge came from my IP address they are taking the money back out of my account. I provided proof of the cancelled email, and the email that I said I did not do this transaction.But this was not overturned.