23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. 


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 XXXX 
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 conviction 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 reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 my husband and I purchased a used vehicle from creative credit. We had previously purchased a car from them and went through united for financing. We again used united. We purchased a warranty as part of buying the car. The cars original price was XXXX and we put down XXXX leaving a balance of XXXX plus the warranty. We were told we needed to pay off in 1 year so we were not carrying two auto loans. Within a month of bringing the car home it began to experience battery drain issues, not starting the following day. Over the course of XXXX through XXXX we purchased 3 batteries, a starter, and new spark plugs trying to stop the drain issue. We had the alternator tested and it was fine. On XX/XX/XXXX we brought it to creative credit shop and requested a diagnostic which we paid over XXXX for. If there was an issue the warranty would cover the diagnostic and the problem. After having the car for weeks and racking up over XXXX repair bill, the shop called and said they had figured it out, it was the stereo. When we asked how we owed over XXXX we were told they replaced multiple sensors, spark plugs, oil change, battery, battery cables, and the fuel pump. The fuel pump was covered under warranty. After getting warranty to take care of their part we over under XXXX. When we arrive at the shop we ask what they did about stereo, they said they unplugged it, which meant they still failed to fix the problem. We had to take it to another place and pay XXXX for that to be fixed. By XXXX the car began again to not start. We called the shop and they told us there was nothing they could do. By may the vehicle had to be towed home twice, and the last time it made a loud bang and would not start. We had the vehicle towed back to creative credit and made it clear that we are surrendering the vehicle. We were sold a lemon, the contract ended up being completely different than what we agreed to with us now owing more than the original price of the car, and the warranty is expired. United told us it wasnt their problem.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of section 605B of the FCRA. Failure to notify consumer after declining to block fraudulent accounts on consumer report due to identity theft.
Product: Debt collection

They will not email any documentation. They would not speak with other dealership to get a payoff. In my opinion this was all done to keep you in there loan to make money as well as make it difficult to make payments for late fees and repo. I understand that many companies use outsourced for customer reps but this was the absolute worst I have ever experienced. So pay some random person on the phone hundreds of dollars a month and hope it gets to your account. Good luck trying to escalate to a supervisor or another department. They just hang up over and over. They are crooks and scumbags. 
As you can see from their form letter response that they just insert a name they clearly are clueless. They spelled the name of an aggravated customer wrong. Cut and paste is too difficult for them to get right. This company and every employee is completely incompetent
Product: Mortgage

I have been attempting to close on a deed in lieu agreement with the mortgage lender on my home for over 6 months and I have been getting the run around about why it has been delayed on various occasions. My husband passed away and the home needed too much repair for me to sale it and pay off the mortgage so I applied for deed in lieu and over and over again I am being told that there's an issue with title on their end. They're saying that title was not cleared correctly when the loan changed hands to a different servicer. They will not provide a timeframe and have it's so difficult getting additional updates from them and the file has been escalated to management a number of times, supposedly. My husband is gone and I am not living in the home any longer and I just want this to be done. I need help getting someone to step in and finish this out.
Product: Mortgage

Select Portfolio Servicing ( SPS ) plans to conduct a foreclosure sale of our property in violation of 1024.41 ( g ) On XX/XX/2019 SPS wrongfully denied us loan modification/loss mitigation application and XX/XX/2019 appeal, while committing RESPA numerous violations. These RESPA violations remain uncorrected as of the date of this complaint. We will report these RESPA violations to SPS in separate Notices of Error for ease of tracking and legal reasons. Our complete RMA application was accepted by SPS more than 37 days before a foreclosure sale. Our appeal was timely submitted to SPS within 30 days of SPS loss mitigation decision. 
12 CFR 1024.41 ( g ) states : If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX  regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD after receiving a copy of our QWR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have noticed unauthorized inquiry from Factual Data reported on XX/XX/2023. I don't know who this company is. 
I need this inquiry to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to PennyMac, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

I, XXXX XXXX Natural Person, Synergetic Communication Inc XXXX you are a debt Collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 U.S.C 1692 a ( 6 ). It has come to my attention and understanding that Synergetic Communication has my rights pursuant to Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to title 15 U.S.C 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 U.S.Cc ( c ) that you cease all further communication through ALL and ANY MEDIUM except, for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 U.S.C 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following :
Product: Credit reporting or other personal consumer reports

I did not approve this inquiry and had no discussions with the lender at the mentioned time.
Product: Vehicle loan or lease

On either XX/XX/XXXX or XX/XX/XXXX, I visited XXXX XXXX XXXX, and spoke with salesman XXXX XXXX. I needed to turn in my XXXX leased XXXX, and get another, leased or financed vehicle. Mr. XXXX turned me over to a finance manager, who confirmed what Mr. XXXX had already told me : I must make a down payment on a new car before also agreeing to pay a car note. Mr. XXXX had said I needed to put down {$15000.00} ; and the manager said I needed to put down {$2000.00}. Why? I was in open Chapter XXXX bankruptcy ( a fact that Honda Finance already knows ). 
So what if I have made timely payments to Honda, for the entire 3 years and 3 months I have had this car, says Mr. XXXX and the finance manager. Honda 's " policy '' is that Honda doesn't finance people in bankruptcies/past bankruptcies. I told them, no, I should not have to put money down, since I have a long history with Honda ( at least 20 years! ), and since Honda knows first-hand that I make timely payments. ( I made all payments on my leased car both before and during my open bankruptcy! Made those payments directly to Honda Finance, electronically through my checking account )! 
I was disappointed, but not surprised as I left this dealership. I had already gotten a runaround from XXXX XXXX in XXXX   NJ, where I got my now leased car that must be returned XX/XX/XXXX to Honda. And XXXX XXXX XXXX in XXXX also gave me a runaround. The XXXX XXXX XXXX dealership kept me in the dealership for at least 4 hours, only to tell me Honda failed to approve allowing for me to roll into a new, purchase deal on my same car that I now drive as a lease customer. That sounded logical. But the deal did not go through. 
I now complain that Honda should : allow for me to at least buy my leased car that is due back to them on XX/XX/XXXX, since Honda has before it, the proof of my timely payments to them, on this car! And if Honda will not budge on its " policy '' of not financing bankruptcy customers - unless they pay {$2000.00} upfront? - Honda should at least report my good leased vehicle payments history to the credit bureaus. Right now, Honda seems content with leaving me between a rock and a hard place. I must turn in my leased car by XX/XX/XXXX, but I can't get repeat financing from Honda ( ludicrous ), since I have filed Chapter XXXX bankruptcy. Never mind that I managed to pay Honda on time during the ongoing bankruptcy repayment plan! And since Honda fails to show my most recent credit history, I am stuck with not getting another, new vehicle! What non-Honda dealership will even look at me, when they see I not only have bankruptcy on my record, but an old, XXXX Honda report of late payments that gradually were made in full. That is kind of a lie. I turned back in my XXXX in XXXX, since I knew I could not keep struggling with the high payments. And XXXX XXXX took it away, and got me into another, Honda finance deal, on the XXXX that I now drive leased! 
Give me a break, Honda! I have been with you for too long for you to play these fiscal games with me, at a time when you know I am vulnerable!
Product: Credit reporting or other personal consumer reports

I've located errors on my credit report tied to 15 USC 16c-2. The inquiries recorded were not approved by me, and this incorrect information is hurting my credit. Please erase all unauthorized hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the $ XXXX monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from XXXX XXXX.
Product: Debt collection

On XXXX XXXX 2018, my credit report showed collection ... 
Don't know who this collection agency is. I have no debt in collection. My credit score dropped by 70 points after this collection showed from CREDIT COLLECTION SERV.

I have never had anything to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX FRANKLIN COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2021 Original Amount {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  I have never had an XXXX XXXX account. This does not belong to me. I have been with XXXX XXXX for my phone since it started. And before that I had been with XXXX XXXX. 
I credit has been in the XXXX for years. All of a sudden I get this on my report and now my rating in in the XXXX XXXX. I told them this does not belong to me. 
I also had an incorrect address listed on my XXXX report and asked to be corrected as I had never lived at the address they listed on my credit report.
Product: Checking or savings account

PNC is refusing to allow my account link to XXXX. XXXX has the necessary selections and even logs me into the PNC account during linkage. PNC does not allow the usage to proceed any further. I can not transfer funds to/from my brokerage as PNC does not allow linkage to XXXX from their website despite allowing other brokerage links.
Product: Debt collection

Nationwide Credit Corporation in XXXX was assigned to collect a debt from us on behalf of XXXX. We were told we had until XXXX XXXX to pay the requested amount. Nationwide Credit placed a lien on our bank account on XXXX XXXX ( 2 days before the due date ) using methods unknown/unauthorized by us to access our bank account information. We paid the requested tax amount on XXXX XXXX to Nationwide Credit, yet they still went ahead with the lien and held that same amount of money from our bank account - so we were charged XXXX. Our bank told us that Nationwide Credit needed to send a release letter to remove the lien. We requested this from Nationwide Credit multiple times on XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. Each time they promised they had sent it. Our bank did n't receive it until XXXX XXXX and that was only because additional assistance got involved from the XXXX and our banks Litigation department. Nationwide credit illegally put a hold on our bank account in advance of the due date, and then failed to release the funds in a timely or professional manner. 

In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and a collection account with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Inquiries : 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with US bank and made a deposit of {$1500.00} by a check from my byline bank account. However, the check was returned on XX/XX/XXXX, because XXXX XXXX made a mistake to reject the transfer of {$1500.00} from my saving account with it ( when I had {$2300.00} in my account ) to my checking account with byline bank, which was supposed to cover the check that I deposited with US Bank. 

The check returned caused my checking account with US bank to be - {$19.00} because it charged {$19.00} fee for the return item. On XX/XX/XXXX, I deposited {$20.00} in cash to bring the balance to positive. On XX/XX/XXXX, also I deposited {$600.00} in cash and {$2300.00} by check to the account. So the balance in my account has been {$2900.00} since XX/XX/XXXX. 

On XX/XX/XXXX, US bank informed me that it was in the process of closing my account because of the suspected irregular activities and ATM and debt card were disabled ( I couldn't withdraw any money from my account and it also blocked my access to my account online ) but it would send me a cashier 's check for the balance ( {$2900.00} ) within 15 days once the deposit items were verified, which should be before XX/XX/XXXX since the {$2300.00} check was cleared on XX/XX/XXXX. 

On XX/XX/XXXX, when I got the letter from the bank, I went to its branch to show the evidence to prove that the check returned was caused by emigrant direct 's mistake and I had no fault on it as it was totally out of my control, but the bank said there was nothing it could do to stop the process. 

On XX/XX/XXXX, when I needed to use the money, I went its branch again and it told me that it had closed the account and sent out the check of {$2900.00} on XX/XX/XXXX. 

On XX/XX/XXXX, when I didn't get the check that US bank told me was sent out on XX/XX/XXXX, I called US bank, but it told me that my account was still in hold and they didn't know when the process would end exactly. 

It didn't do anything wrong. I never had any negative banking or credit history and US bank knew it, but it closed my account based on a mistake caused by another bank and froze my account since ever for no reason ; I never owned it money.