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

I have an inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This ran without my consent and I don't even know why my credit was run by XXXX XXXX XXXX. I tried calling on XX/XX/XXXX and continuously got transferred around with no solution. 

I have a XXXX Inquiry from XX/XX/XXXX on my report and this company is a mortgage company. I inquired about their services and next thing you know I just so happen to be looking over my report and a credit check was ran without consent. The information I gave to them I thought was going to be used to keep my information on file, not a credit check. I reached out to them on XX/XX/XXXX and they said they don't even have my name in any of their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I borrowed {$5000.00} from Wheels Financial Group, LLC dba XXXX This money was borrowed through a " title loan '' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXXt would be taking me to Small Claims Court to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my Small Claims Court trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXf XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe relevant case number is XXXX. The judgment entered on this case by XXXX XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with XXXX and XXXX regarding this matter. XXXX amended but did not correct the entry on my credit report. As of XX/XX/XXXX, XXXX continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX  today. I was informed that XXXX XXXXoes not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX from Convergent, in which the letter was dated for XX/XX/XXXX. The letter says your response is requested to pay a bill that I knew nothing about. Today, XX/XX/XXXX, at XXXX XXXX, I called the number listed on the letter XXXX, and spoke to a CSR. I was told by the CSR that this bill was sent to them with an original date from XX/XX/XXXX. I was giving a client account number and a contact number to the original creditor who is XXXX XXXX. The CSR would not give me any information on the debt. I was told that the debt would be placed on my credit report if I did not pay. I ask the CSR why I was not contacted in over 13 years about this matter. I was never contacted from this company or the original creditor who is I ask the CSR at Convergent about the statute of limitation on trying to collect on this bill that was said to be over 13 years old. Convergent did not follow the proper laws on trying to collect this debt, I was never notified, the statute of limitations is up, I am being harassed and told my credit would be impacted. After the phone conversation, I immediately contacted the original creditor at XXXX. I provided the CSR at XXXX the client ID number giving by Convergent, and that company could not find that account.
Product: Debt collection

This fraudulent debt appeared on my credit file. I am a victim of identity theft. So I notified the company 's and they refused to show original contracts so I can better investigate the fraud.
Product: Debt collection

I requested validation of my debt from Ocwen Loan servicing because the what they are saying I owe Is not right. They told me that they do n't have to validate the debt. This is a violation of the FDCPA
Product: Checking or savings account

On Saturday, XX/XX/2022, I initiated an " INSTANT DEPOSIT '' from my XXXX  TO my PNC JOINT Checking account, in the amount of {$86.00}. 

Between XXXX and PNC, I'm NOT getting ANY REAL answers or satisfactory resolutions. PNC on Saturday DID acknowledge an " issue '' with " 3rd Party payment applications platforms '' ; or some convenient XXXX like that. The issue was SUPPOSED to have been " resolved '' by now, and the FUNDS CREDITED. Really? I'm seeing NOTHING to that effect AT ALL. 

So the question is, WHERE IS THAT MONEY, and WHEN will it be CREDITED to our account? 

SOMEONE SOMEWHERE has that money, I'm convinced. 

Now, our checking account is running in the NEGATIVE, and one recurring debit card bill payment was DECLINED just TODAY for " insufficient funds ''. This would NOT have happened had that money been TIMELY CREDITED to our account. So what now? We have to incur FEES for insufficient funds when this issue is clearly NOT mine nor my husband 's FAULT?! We DON'T THINK SO! 

FIND THE MONEY AND CREDIT the same, PERIOD!
Product: Checking or savings account

I have {$5400.00} deposited with XXXX. I attempted to withdraw {$490.00} and my account was frozen. I have gone through all requested verifications and my account is still frozen after 3 days. I attempted to call yesterday and was told there was nothing they can do, someone will eventually review it. I asked to escalate the issue and was told there would be a call back which never happened.
Product: Credit card or prepaid card

My chase account was billed for purchases I did not make on complaining they did not resolve them and still having to pay the amount for these purchases. There are still on my credit card statement
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute a XX/XX/year> decrease in my credit score by XXXX XXXX, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified. I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. This is a XXXX times that this happened. I believe Im a victim of credit discrimination! Thank you for your cooperation. Sincerely, This is was never investigated or resolved after many many attempts!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an inquiry from Capital One which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest capital one bank. 

I also got 2 inquiries on the same week from XXXX XXXX. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Debt collection

I've tried several times to settle the debt starting back in XX/XX/XXXX they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to promptly take action to remove the unauthorized inquiries from my credit report, as they were not initiated by me and are causing me significant distress. I did not authorize or initiate these accounts, and it is unjust for me to be held responsible. Please address this matter promptly.
Product: Debt collection

My divorce was just recently final and I was in a very toxic, abusive marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Credit reporting or other personal consumer reports

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.
Product: Vehicle loan or lease

Hello, I have been having a nightmare of an experience with my auto lender, Hyundai Motor Finance. On XX/XX/XXXX, my vehicle was totaled by a negligent driver who wasnt paying attention. I had a fairly new car that I had bought in XXXX of XXXX. I was underwater on the loan but thankful That I opted for the GAP coverage the XXXX dealer promoted when purchasing the vehicle. I thought that out of everything, the GAP insurance company would be the most difficult to work with. I was wrong. The gap administrator ( XXXX ) has actually went above and beyond in also reaching out to XXXX XXXX, going so far as to email them 3 times a day asking for assistance, but to no avail. I have contacted XXXX by phone 18 times since XX/XX/XXXX, trying to get 2 payment documents the GAP administrator needs : a full payment history with a running balance and a payoff statement. They straight up refuse to send me these documents and evidently never plan to send them to my GAP administrator either. I have been hung up on. I have been told my account was inaccessible. Its been almost 3 months since the accident and I have gotten absolutely nowhere. In the meantime, I am forced to continue making 2 car payments each month, which I dont have the money for. Not only that but I spend a good amount of time on hold with their customer service every other day trying to get this resolved. Unfortunately I continue to get the runaround with the same canned response & inaction. I have a good credit score and dont want to stop paying where my XXXX goes down but it also makes me sick paying a company that provides such terrible, predatory customer service. Please help. I dont know what else to do and fear I am going to get into financial trouble as a result. I dont want anyone else to go through this horrendous experience. 

Lender : Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Please help
Product: Mortgage

XXXX is refusing to remove negative reporting on my credit report. after XXXX and district attorney conducted an investigation on a fraud and scam that i was a victim off. I have over 8 months trying to reach a resolution. 

numerous calls and emails. and negative reporting removal request. 

Im asking carrington for a cash out refinance of my loan and they are refusing due to the negative reporting they have on file for my loan. negative reporting they are refusing to remove.
Product: Credit card or prepaid card

On XXXX XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination.

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Friday XX/XX/XXXX, I requested a wire transfer to a bank in the XXXX. That process required me to stop, twice, and enter a code that was texted to me. At the conclusion of that process, I received a receipt confirming that the wire had been successfully initiated. 

On Sunday, about XXXX XXXX  I received an email- [ NO PHONE CONTACT WAS ATTEMPTED ON EITHER MY LANDLINE OR MY CELL ], telling me that there were problems with the wire, and to contact an office that was closed, and would remain closed until the next business day. I immediately tried to go online to connect with the Fraud Unit, only to discover that BofA had LOCKED ME OUT OF MY ACCOUNT. 

I have been a customer of BoA for 25 years, I have run millions -MILLIONS of dollars through the bank, and in an instant, they have destroyed any trust I had in the bank. What if I were in XXXX, in an ER and needed access to my account? What If I needed to get funds to my child on an emergent basis? These careless, thoughtless actions have real consequences, and if their teams don't understand that they need to immediately and completely reconfigure their training. 

I invite you to listen to the Sunday call, and the call I just concluded on Monday with their Customer Service team for details, and to get just a glimmer of how deeply upset I am with BoA. Not just for the wire, although it seems they rejected it for unspecified reasons, but for allowing an associate, who did not even attempt to call me, to be able to lock me out of my account without any supervisory review, at all. And that BoA apparently does not allow customers 24/7 access to their fraud unit. That is patently ridiculous for a global banking institution.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$550.00} Open Date XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX inquiries XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported only to two credit bureaus and do not appear on my XXXX report. According to the law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

The way XXXX is handling my nonpublic personal information has be damaging to me. 
XXXX continued publishing of my nonpublic personal information with my consent is causing hardship to me and damaging my family emotionally and financially. 

I included recommendation by the CFPB for fair credit reporting practices. 

See attachment.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX I began the mortgage process formally with a consultant within Wells Fargo. For the six months prior to XX/XX/XXXX, I had regular phone calls with my assigned consultant to cover the specific product I was looking to use to purchase a new single family home. On multiple occasions during these phone calls my intention of having a 3 % down payment mortgage product was shared, and was informed that would be fine and not an issue. I currently have a mortgage with Wells Fargo on a condo I purchased 16 years ago, and also explained not only was I looking to purchase a single family home, I would also be looking to refinance that original mortgage to reduce the term length of that loan. In addition to dozens of phone calls, there were also dozens of email exchanges confirming the 3 % down payment product as being available to me for the single family purchase. On the morning of XX/XX/XXXX, before starting my application with my consultant over the phone, I again confirmed the 3 % down payment product being available and was informed it was fine. Later in the day on XX/XX/XXXX, I received my pre-approval letter/email, but was informed the 3 % wasn't available and that only a 5 % down product would be available. It was explained that there was an internal Wells Fargo policy change that occurred in XXXX of XXXX, but never once was that provided to me before having my credit pulled on XX/XX/XXXX, nor was the consultant aware of it until after I escalated this concern to them. I am a current customer of 14 years with Wells Fargo from my condo purchase, have made every payment on time for 14 years and have a credit score north of XXXX. But only learn of a policy change after my credit application as started? My mortgage consultant escalated this concern to their management team for resolution, but was informed nothing would be done. This is not a good business practice, and would say deceptive in practice.