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

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX account # XXXX, XXXX XXXX  Account # XXXX, Bank XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXXXXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Product: Debt collection

I have received numerous calls and messages left from ARB within the last week. I received a call and a message on XX/XX/23 and XX/XX/23, XX/XX/23 and today XX/XX/23. I decided today that I would call to see why I was receiving these phone calls. The gentleman I spoke with never identified himself just while he works for, I let him know I have received numerous calls and asked who they were trying to call. He was very rude to begin with. He said persons name and asked if I was said person. Told him no and that I have had this phone number for 5 years now. He told me I dont need to worry about it then and hung up. Not even XXXX hours later I received yet another phone call and message. I did look up on the CFPBs website and seen where ARCADIA RECOVER BUREAU also known as ARCADIA HOLDINGS INC has had several complaints
Product: Vehicle loan or lease

I need to express my frustration with Hyundai Motor Finance Title Department ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) who are clearly not able to do their job properly. 
I paid off my lease on XX/XX/2022, uploaded the XXXX  statement the same day and have been back-and-forth with XXXX  even up until now in order to have my title released. I have faxed ( XXXX ) and mailed to the title department via priority mail the XXXX form, which was delivered on XX/XX/XXXX ( I have a proof ). No one at XXXX is able to locate that form though XXXX of the special agents ( his name is XXXX XXXX lied to me saying he sees the form and it was uploaded to my account and my title getting released today. When I call back the next day to ask for the tracking number the supervisor told me there is no XXXX form on my account. XXXX clearly lied to me. Every rep I've spoken to gives me different answers. Every phone call I make always ends with " we're going to escalate this with our titles department and put you on highest priority '' and nothing is getting moving. I keep recording everything in order to build a case for a lawsuit if things are not getting done soon. I have filed both XXXX  and CFBP complains, next thing will be getting a lawyer. I have even requested if they are not able to complete the " Lease buy-out '' process from their end I want to get refunded and I will return the car immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a alert on my XXXX  Credit Report from Credit Collection Service. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for reporting fraudulent accounts and inquiries on my credit report. Despite my previous attempts to resolve this matter directly with Experian, they have failed to correct the inaccuracies. Specifically, my credit report contains several accounts and inquiries that I did not authorize. These fraudulent items are severely impacting my credit score and overall financial standing. I have provided Experian with the necessary documentation, including an identity theft report, yet they have not removed the fraudulent entries. I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Experian promptly investigates and removes these fraudulent accounts and inquiries from my credit report. Thank you for your assistance in resolving this matter.
Product: Debt collection

I was contacted by XXXX XXXX a lawyer representing XXXX XXXX and when I requested debt validation after her first contact I was sent a letter attempting to negotiate a settlement but no debt validation and a vast majority of the content of the letter is false statements. I responded that this was in violation of the FDCPA and after receiving my letter Ms. XXXX filed a lawsuit against me and then sent the notice of debt verification a full 3 months after initial contact.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} Transunion : XXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}
Product: Mortgage

I bought my house @ XXXX XXXX XXXX, XXXX, PA on XX/XX/XXXX, and in XXXX, I took a Home Equity Line of Credit ( HELOC ) By XXXX, I forgot I had the HELOC. 
I went in Citizens Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX &, I saw my checking account, the HELOC account &, another checking account I thought closed by the senior representative, XXXX  , a decade ago! 
s I filed a complaint with the CFPB and received knee-high statements used in a bizarre manner yet no one contacted me!? 
The HELOC was used in a bizarre manner and the account XXXX XXXX me charged fees if I ever used the HELOC to make transfers when, in fact, there are no fees and he never closed the account! Now I know what money laundering is about & I have been paying since XXXX never knowing it was used because of no statement in 20 years!? 

Also, I saw that the account he was supposed to have closed remained open and a fraudulent XXXX XXXX check was deposited into the fraudulent account but io knew o made no claims with my homeowner 's insurance & I sat in XXXX XXXX XXXX office for 4 hours, only to learn what I already knew... I had no claim! 

Citizens used my vulnerability due to the loss of my mother in XXXX to their advantage and forced me to pay for what they know I never used 1. The PERSON FROM THE Office of the Chairman said " ... case closed! '' It is not closed as I am still paying for something I never used &, forgot I had! I also never got a statement! 
When I asked how I withdrew the money, where it went, they told me it was taken electronically ( how convenient for them as no camera view of person ) &, they couldn't say where it went!? '' I don't have any proof as I never got any statements for over 20 years until I filed a complaint with the CFPB in XXXX Statements show use in a bizarre manner but Citizens One did NOT contact me to check if it was me?. - {$10.00} five times a day or {$20.00} - 5 times/day!? 
I earned a XXXX XXXX XXXX with a XXXX GPA from a major university &, worked my way through undergraduate school as a XXXX XXXX. only saying because I'm an educated person and this makes NO sense. 
I never got a statement in 20 years and thought that was because I never used it! 
t thought banks are where I put my money to be safe! 
Citizens taught me that banks are NOT where I put my money for its safety!
Product: Mortgage

Mortgage XXXX # XXXX. 
XXXX  XXXX XXXX sold my existing mortgage to SPS Select Portfolio Servicing , Inc . I was notified by mail of this from SPS letter that I received on XXXX XXXX. I immediately mailed SPS their form to handle ACH monthly withdrawals from my checking account to pay the mortgage automatically. 

On Saturday evening XX/XX/XXXX, I received a confirmation by mail from SPS dated XX/XX/2018 that my recurring ACH will not begin until XX/XX/2018. I also received the monthly bill for XXXX on XX/XX/2018. That bill had a statement date of XX/XX/2018 indicating that the due date is by XX/XX/2018 and would be charged a late fee if received after XX/XX/2018. On Sunday XX/XX/XXXX, I attempted to call SPS to pay my XXXX payment due on XX/XX/XXXX by phone. They were closed on Saturday after XXXX pm EST and on Sunday. 
On Sunday XX/XX/2018, I went on line and made the mortgage payment so that it would be paid by the due date of XX/XX/XXXX. I was charged a {$15.00} on line fee. On Monday XX/XX/2018, I called SPS Customer Service Dept and asked if they would credit me the {$15.00} since it was no fault of my own. The refused to do so. I asked for a Supervisor. They still refused. The SPS Customer Service Rep said they could have waived the fee if I paid by phone but not for the online transaction. This is very unfair. I never missed a payment while XXXX XXXX XXXX was servicing this mortgage. I respectfully request that SPS should refund the {$15.00} on line fee to me because SPS sent billing notifications by mail several days before the due date which would not allow sufficient time for my check to get to them by mail in time for the payment due date which would cause me to pay late fees. On my recorded line to SPS on Monday XX/XX/2018, I notified SPS Select Portfolio Servicing , Inc. that I would complain to the CFPB if they did not refund my {$15.00} on line fee. Their contact information : SPS Select Portfolio Servicing , Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX, tel ( XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting I was late on my mortgage payment XX/XX/2022 but failed to verify this
Product: Checking or savings account

On multiple occasions I was charged monthly fees on both my XXXX checking and also savings account even though I hit my monthly transactions as well as being hit with an overdraft fee even though I had the money in my account. I opened a savings account with XXXX XXXX  and Wells Fargo charged me for opening an account with a separate company. Also there were multiple accounts that I could not log in because the app and website were down. 

I finally just called it quits and closed my account and transferred to XXXX XXXX.
Product: Checking or savings account

.Hello to whom it may concern, Im submitting an complaint on my behalf to dispute a list of transaction ( s ) that happened while having an XXXX XXXX XXXX at XXXX . It is from my understanding that its impossible to dispute transaction ( s ) directly with-you or thats what an agent told me anyways. So, Im asking the CFPB to be involved as a middle-man. I will not be signing any documentation or anything, I would simply just like my funds back from the merchants in which are FULLY HIGHLIGHTED IN THE STATEMENTS I ATTACHED. If you can not draw my funds back, Id like to know how you came to these terms, and your investigation process. I will only answer through the CFPB portal, no calls, no mail, no anything. My Mailing Address & Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN USA XXXX Number : XXXX Thank you very much for your understanding, and prompt response. Thanks.
Product: Checking or savings account

Business and personal accounts were closed without authorization. Money was taken and never returned. Erroneous charges were applied. This all took place between XXXX. The accounts were charged off and no form sent.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX SS : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> To Whom It May Concern, I do not believe the credit report is valid. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your investigation, yet you have failed to respond over 34 days. Do not delay any further, remove all disputed accounts now.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ten ( 10 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Debt collection

I have noticed that a company by the name of Pinnacle Credit Services have listed a debt on my consumer credit report. I have disputed the listing with the XXXX major credit bureaus because i do not believe that this debt belongs to me. I have never received any correspondence on the validity of this debt by mail or by phone, however it has been listed on my credit reports. This account has since been removed from XXXX of my credit reports XXXX XXXX and XXXX XXXX, but is still listed on my XXXX credit report. I have reached out to Pinnacle Credit Services by mail asking for documentation ( debt validation and or debt verification ) and nothing has been done. I have informed them that i am fully aware of my rights and have asked for timely verification ( i.e. amount of debt and name of creditor ), and still have not received any. This listing on my credit is having a major negative effect on my XXXX credit report. This company should know that they are required to provide debt validation when asked by the consumer per FCRA requirements. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX XXXX. XXXX, XXXX XXXX, and XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to VW credit. In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and VW Credit continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. 
Below I have provided the inquiries from each credit bureau. 

Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have asked the Credit Bureau on numerous times for validation in accordance with Fair Credit Reporting Act. I have asked for a copy of the original contract bearing my signature. I have never received that. Also explained that i have not received any credit or services from these inquiries or have any of them extended any credit to me. So they should be removed as i do n't have any obligation to them or any lines of credit from these companies.
Product: Credit reporting or other personal consumer reports

Experian is in the XXXX. In your complaint pages you give no ability to list an address or phone number. So I have provided the name and email address of the CEO here : His name is XXXX XXXX ; his email is : XXXX or at least that's what I got off the internet. I received no error message back so I think the email is correct. 

On XX/XX/XXXX I received emailed notice that my Experian score had dropped, no reason, no number. So I logged into my account and toggled around for several minutes but could find no exact reason or reference for the drop. There was no notification in my list of notices. The latest one in that list is dated year XXXX. So I logged back out and used the emailed notification to click on the embedded link and then I was brought to a score drop of XXXX points. Again I could find no specific reason for this. My financials have not changed at all for several months so the reason is unknown. 

I called Customer service and was told by AI  I was not allowed to speak live with anyone as that is allowed only for limited and specific reasons. I consider my problem in need of a live conversation. So I emailed the CEO. I have not heard back. However, I am writing the CFPB now because there are very specific issues with this situation. XXXX ) My score drop is substantial with no reason ; XXXX ) there should be reason in my Experian profile and there is not ; XXXX ) I should have been given access to a live CS person but that was disallowed ; XXXX ) it is possible this drop was a re-baselining of many scores but that does not give Experian the right to disregard people 's need to understand everything about their scores. 

This issue, if I am correct about the re-baselining, could effect many people and it could be Experian 's shirking of responsibility. If not my score dropped an exceptionally significant amount for no reason. I need to know why.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$5700.00} XXXX  XXXX XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX  XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$3000.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX  XXXX BALANCED {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$5300.00} XXXX  XXXX XXXX BALANCED {$110.00} XXXX  XXXX XXXX BALANCED {$2700.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Complaint # ( private case number ) 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.