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

On XX/XX/22 I visited the XXXX XXXX XXXX with the intention to lease a new XXXX. I consented to have my credit report pulled once. The dealership proceeded to pull my credit twice. When I noticed this I confronted a manager ( XXXX XXXX ). I explained that I didn't understand nor consent to two credit inquiries. XXXX proceeded to tell me that this is their usual practice, the dealership submits a hard inquiry and the bank also does the same. I have never heard of nor experienced this before and I have leased several cars over the years. I believe this practice is unethical and should not be permitted. If my credit report is going to be pulled multiple times, I should be informed and also consent to it. Hard inquiries impact credit scores, this is not okay. XXXX, in particular, this dealership has some gender-biased, unethical methods that should be investigated. Salespersons lie about pricing and at the last moment try to increase numbers. Overall not sure what can be done to remedy my situation, but if an investigation can help other consumers avoid experiencing the same unsavory methods, that is good enough for me. Until then consumers should beware of this dealership.
Product: Credit reporting

Transunion has ignored my request to provide me with the documents that their company has on file that was used to validate and verify the accuracy of the payment history on the accounts that I disputed. Since this has been in dispute since XXXX, well past the 30 days permitted and they can not verify the accuracy of their reporting they are required to " ... promptly delete all information which can not be verified '' per FCRA Section 611 ( XXXX ) ( A ). Please resolve this matter immediately. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid I got behind on omy payments several times. In XX/XX/2022, I caught my account up. I asked the lender to delete the late fee and delete the past late payments from my credit report. The representative deleted my late fee on that call ; However, they have failed to delete the late payment history from my credit report. I have called them serval times to remind them of my rights under the cares act to and request my file be updated. I have also informed them that they are violating my rights based on 15 USC 1681A 2A : Reporting late payment is reporting a transaction.
Product: Debt collection

I am currently going through a financial hardship due to serious health issues. Many of my accounts are delinquent at this time. The calls are out of control with most of my creditors. However Synchrony bank is the worst. They call multiple times a day after I have advised them they do not have my consent to call my cell phone on an automated dialing system which is within my rights as a consumer under TCPA. It is my belief that they are in violation of FDCPA laws. They are leaving multiple messages on this same number multiple times a day. My understanding of these laws is that even if I have a multiple account relation ship with the company leaving one message a day is considered a contact. By law a message is a contact and they are only allowed one contact per day even if they did not speak to me. A voicemail is considered a contact under these laws. I feel as though this is an unfair practice and they are harassing me which is causing me added stress on top of all that I am going through right now.
Product: Debt collection

AAFES continually reports to the credit bureaus that my account is in negative standing. I have sent a letter asking for validation and I have yet to receive a letter from AAFES.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX Date opened XXXX Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4600.00} Balance updated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Closed. 
Status updated XX/XX/XXXX Balance {$660.00} XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX {$2400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment Original balance {$1600.00} Re : Dispute of Charge-Off Entry I am writing to formally dispute the charge-off entry listed on my credit report for the account referenced above. The account in question was reported as charged off by Experian with a reported balance listed above and the date of the charge-off listed dates are above.

I believe this entry to be inaccurate for the following reasons : 1. Inaccurate information regarding balances and late payments 2. Some balances are XXXX  Please conduct an investigation of this charge-off and remove or correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached copies of relevant documentation that supports my position. 

I kindly request that you provide me with written confirmation once the dispute has been resolved and that any necessary corrections are made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.
Product: Checking or savings account

I've been banking with Atlantic union bank for several years and didn't think that they would not have my back. I filed a fraudulent claim XX/XX/XXXX for a deposit that was sent for a home that I never received for {$1000.00}. I even filed a police report to try to get some explanation. The bank simply denied it less than a week indicating " no error occurred '' and I'm baffled. I contacted the bank and the same explanation abt " not having a recourse '' for this claim. How do I know my money is safe in a bank when they don't help me in my time of need?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts, including XXXX XXXX, XXXX, and XXXX that have been paid off and accounts closed. The report is showing current late payments to at least one of these accounts. Other credit reports do not have these accounts listed any further.
Product: Debt collection

XXXX XXXX sent me to collection via Aldous and Associates on XXXX XXXX XXXX  for the amount of {$3000.00}. 

I had initially signed up with XXXX on XXXX  and the following week began paying for a personal trainer. Within the next few weeks to a couple months XXXX began cancelling my appointments. Most were cancelled last minute. I was still charged for a few of these appointments. Then my personal trainer was fired. I contacted XXXX and it was agreed that I was not happy and did not wish to continue paying for services that were so easily cancelled at my expense. They were not holding up their end and I did not wish to continue. To this point I had paid for all appoinments including three cancellations that I paid for and never received. Then they send me to collections for an extraordinary amount of money beyond anything that ever happened. To this point they owe me for three appointments I paid for and they cancelled of {$300.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX ] XXXX XXXX XXXX XXXX ] XX/XX/XXXX Customer Service Department XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Charge-Off from Credit Report, I hope this letter finds you well. I am writing to respectfully request the removal of the charge-off status reported on my account with you, which is identified as Account Number : XXXX I understand that the account was charged off as of XX/XX/XXXX, but I would like to bring to your attention that I have made significant efforts to address the outstanding balance. Since the charge-off was reported, I have worked diligently to improve my financial situation and ensure that any past payment issues are rectified. 
I respectfully request that, in light of my efforts to resolve this matter, you consider removing the charge-off entry from my credit report. This will allow me to continue rebuilding my credit, and I believe it would be a fair and reasonable gesture, given the circumstances. 
As you may know, a charge-off on my credit report has a severe and lasting impact on my creditworthiness. I would greatly appreciate your understanding and cooperation in this matter, as I am committed to resolving any remaining balance and maintaining a positive relationship moving forward. 
Please let me know if there are any additional steps or documentation you need from me to facilitate this request. I look forward to your favorable response. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 I received an email that both my checking and savings accounts had been closed. I had no idea this would be happening and the account had the only money I had. Between $ XXXX {$2500.00}. They gave me no motive that my account would be closing and offered no options to give me access to the money on the account. That was my rent money and I have now been issued an eviction notice. When I reach out to chime they are unable to tell me why the account was closed or if my check has been mailed. I am homeless because of this! I need to know if my check has been mailed and to what address!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX XXXX for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Product: Checking or savings account

Im trying to connect my XXXX acct to Pnc acct
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified, I am a victim of identity theft.
Product: Credit card or prepaid card

Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

SELF FINANCIAL/LEAD XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD XXXX  ) Making the report is NOT INCLUDED ON MY Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( SELF FINANCIAL/LEAD BA ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s SELF FINANCIAL/LEAD XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Open Road Lending made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. This was done without his consent. A formal dispute was mailed certified mail with return receipt to Open Road Lending XX/XX/2018 however as of this date Open Road Lending has not replied to the status of the investigation of removal of data from my clients credit reports which is a violation of FCRA.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX  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 or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is XXXX. 


FORD CRED XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX  that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. 

Thank you, XXXX XXXX XX/XX/1986
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion, XXXX, and XXXX for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and nticed an account that was not reporting accurately. I had a late payment on account that was in fact paid on time. The customer reporting agencies need to report all information with complete accurately. This account had not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I am now requesting again that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Hello. I contacted you about an abandoned property owned by Wells Fargo. Not only have my questions gone unanswered, they have refused to let me speak to a supervisor. I want to speak to a person who can make decisions and supervises account executives so I can get real answers. I feel discriminated against because I am being given vague information, if any at all. I want Wells Fargo to treat me like a human being, not an automated teller machine. I need to speak to someone who supervises the process of even their supervisor, if necessary. This is a public company and I want an answer to my question about the property in question without some type of a run around. Thank You.