23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This follow up was for my previous complaint with regards to the unauthorized inquiries that the Experian and XXXX have not yet addressed. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
EXPERIAN : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Again, I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 15 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Product: Mortgage

PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. 
XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. 

PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. 

This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. 
I would like to have my {$650.00} back. 

I have filled a complaint with the Attorney General 's Office, as well.
Product: Credit reporting or other personal consumer reports

A few months ago I noticed a discrepancy between my actual XXXX XXXX balance with XXXX vs what was being reflected on my credit report. A difference of over {$32000.00}. Ive tried, since XXXX, to resolve this through the companies involved. Ive spent no less then 9 hours on the phone with XXXX, who have assured me they are reporting the correct balance, and I have also filed a dispute with Experian who recently notified me that they have resolved the dispute with absolutely no changes to my account. I am unable to reach an actual human at Experian- no phone support options available to speak with anyone. 
XX/XX/XXXX : called XXXX waited over an hour to be connected to a rep. They opened a case, gave me a case number XXXX, and told me to check back in 30 days. 
XX/XX/XXXX : called XXXX waited over an hour to be connected - supposedly to a XXXX XXXX XXXX person. Even though I had already provided all details I was still told to forward everything via email to their Death Certification department! What? Really? I was informed they have no email address specifically for these credit issues? 
XX/XX/XXXX : waited almost 2 hours to be connected to a human. This time I was told it would be expedited case # XXXX and to check my credit report the first week of XXXX. In the interim- on XX/XX/XXXX - I submitted a dispute with Experian, I was notified that it was settled and they are essentially referring me back to XXXX. THIS is unacceptable and in NO way fair credit reporting. This is not {$32.00} - this a huge difference in my credit : debt ratio and is impacting many facets of my life & financial well being. I am asking for help in this matter. I have done everything I can possibly do to help resolve this issue - to no avail.
Product: Credit reporting

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wanted to follow up on my previous CFPB complaint regarding the Experian Bureau 's handling of my dispute dated XX/XX/XXXX. I am concerned about the apparent inactivity on the part of Experian. The aforementioned fraudulent inquiries remain unresolved in my Experian credit report, and I kindly request your urgent attention to address this matter. Here is the list of outstanding fraudulent inquiries for your reference : EXPERIAN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, XXXX, XXXX ) My privacy of educational records are protected under FERPA. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing a Bank of America account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.
Product: Student loan

I have student loans with navient and they are reportinh 2 late payments on my credit report .this is holding me back from getting credit cards approved and the possiblity to purchase a home. I did not know i was i. Repayment period and was not offered a way to post pone payments i found out through my own research online and called back and requested the forbearance because repayment will cause me financial hardship. Not sure if my loan is private or federal, i really didnt know what i was getting my self into, when i originally signed up for college i was u der the impression it was finiancial aid because i did not make much money.
Product: Debt collection

I am writing to formally dispute the accuracy and legality of the negative item ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information that is incomplete, inaccurate, unverifiable, or reported without my consent. I believe this item violates one or more of the following provisions : Violation of Verification Requirements ( FCRA 611 ) : The FCRA mandates that credit bureaus investigate disputes and verify the accuracy of items reported. If the data furnisher can not validate this item with documented proof within 30 days, the bureau must remove it. 

Prohibition of Reporting Without Authorization ( FCRA 605 ) : Credit reporting agencies and furnishers are prohibited from reporting information that has not been authorized or properly validated. No notice or prior consent was provided to me regarding this reported account, which violates my rights under the FCRA.

Accuracy and Integrity ( FCRA 623 ) : Data furnishers are required to report accurate and complete information. If the item in question contains errors or inconsistencies, it must be corrected or deleted. 

Reason for Removal : [ Insert explanation here, such as : ] The account is inaccurate ( e.g., incorrect amount, wrong dates, identity theft ). 
I did not authorize the reporting of this account. 
The debt is past the statute of limitations for collection in my state. 
The item can not be verified by the original creditor or data furnisher.

Request for Action : I request that this item be immediately investigated, and if it can not be verified or does not comply with FCRA requirements, it should be removed from my credit report. Please provide documentation supporting the validity of this item or confirm its deletion within the required 30-day investigation period. Supporting Documents : Enclosed, I am providing copies of [ relevant documents, such as proof of payments, correspondence with the creditor, or identity theft affidavits ] to assist with your
investigation.

Failure to comply with FCRA regulations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal action.
Product: Debt collection

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Midland Funding hired a third-party collection of XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Debt collection

Nationwide Recovery Systems is reporting {$1000.00} in collections on a medical debt that is falsely representing the actual amount. During Covid, I was severely ill and was transported to a nearby emergency room via ambulance and then the health insurance company paid the obligatory amount to the ambulance service providers. However, the ambulance services company billed 3x the amount customarily paid for these services. I am a student and Nationwide Recovery Systems, as a collection agency, has negatively affected my credit score and never provided me with the validation or appropriate documentation substantiating the debt. Due to this false representation of my credit history, it is severely impacting my ability to obtain credit. I would like Nationwide Recovery Systems to delete all credit reporting delinquencies on my behalf.
Product: Credit card

XX/XX/XXXX-Reviewed a copy of my credit report and was made aware of an account opened in XX/XX/XXXX at Macy 's with a balance of appox XXXX, immediately I contacted Macy 's, spoke with XXXX and had the account closed. I then contacted XXXX to have a fraud alert placed on my credit file. Also, I began the dispute process on the account through the credit reporting agencies. 
XXXX XXXX contacted the fraud investigations department at Macy 's and filed a fraud case # XXXX stating the account was not authorized. I was advised the statements had been sent to XXXX XXXX XXXX XXXX, AL XXXX and then XXXX XXXX XXXX XXXX, AL XXXX. As requested I provided all the required documentation to the Fraud Investigation Department including a copy of my drivers license. 
XX/XX/XXXX-Macy 's acknowledged receipt of the fraud claim via mailed correspondence. Throughout the fraud " investigation '' process, collection notices were continuing to be sent. 
XX/XX/XXXX-Macy 's fraud investigation department mailed a letter stating my fraud claim could not be accepted and did not state a reason for the denial. 
XX/XX/XXXX-Feeling very frustrated and out of options, I eventually called Macy 's trying to get answers since the collection notices and calls were continuing. I contacted customer service at XXXX and spoke with XXXX XXXX. I explained to the representative the situation and asked for copies of all the statements for the account since it was opened. I also requested a copy of the credit agreement I had " supposedly '' signed. She initially responded by saying it would not be possible but then said some of the statements could be provided for {$3.00} but then stated she would be unable to assist me with my request.I was then transferred to XXXX in the Fraud Prevention department.I then recalled the story once again and made the same request for copies of the statements and the credit agreement. I also requested an explanation of why my fraud claim was denied. XXXX response to me was as follows, " Payments were being made on the account, so it was n't considered fraud ''. She then gave me another number to call XXXX which from the automated system referenced bankruptcy claims. 
I 'm not sure if this is the best place to turn for an attempt at a resolution but I figured it was worth a shot. I 'm a single parent of XXXX children and ca n't afford negative accounts on my credit report. Please help.
Product: Debt collection

Equifax and XXXX XXXX XXXX are fraudulently reporting a negative credit item in the amount of {$210.00} despite being contacted by the FTA and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

have lots of inquirys that didn't have permission or no need to view my credit report XXXX XXXX XXXX had my permission to review twice on XX/XX/XXXX and XX/XX/XXXX I signed my car note XX/XX/XXXX with XXXX XXXX, All inquiry 's after XX/XX/XXXX DID not and DOES NOT have my written permission XXXX XXXX XXXX XXXX did not have permission to pull credit on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unless They can show they had my permission remove these inquiry 's listed, XXXX XXXX had my permission granted to pull my credit on XX/XX/XXXX XX/XX/XXXX on both dates I signed my contract for car with XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX there was no need to countinue pull my credit report, XXXX XXXX did not have permission on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX did not have permission on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these companies need to either provide where I gave written permission with a signed and dated document or remove from my credit report, EXPERIAN is to insure that my report is being hand out with my permission and maintain copies of such in my file 15 U.S. Code 1681b - Permissible purposes of consumer reports The term permissible purpose is defined by the Fair Credit Reporting Act ( FCRA ) as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. I do understand the language, so please investigate all inquires and remove all non-account inquiry 's
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMEX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Bank account or service

On XX/XX/2016 I received notification " Chase Card '' performed a hardpull of my credit report. I did not authorize this and I have no idea what its related to.
Product: Credit reporting or other personal consumer reports

I have try and try to reach out to these companies and of course they kept playing games and saying this is you debt so pay it.. then keep calling all night long saying the same things but when I ask for a copy of the report they hang up
Product: Credit reporting or other personal consumer reports

information is still reporting inaccurately on my credit file, this account is inaccurate and in violation of 15 USC 1681 eb. please correct this issue immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

In the month of XX/XX/2019 OneMain Financial debited my account twice within a two week span without my consent. On XX/XX/19 the company debited from my account {$150.00} and also on XX/XX/19 {$150.00} which caused me to go into an overdraft status. I contacted my bank. My bank closed the debit card down and had them to place the money back into my account after my dispute. On Wednesday XX/XX/2019 I had authorized online a payment in the amount of {$360.00} the company changed my information online and attempted to draft a payment in the amount of {$670.00}. The draft attempted to come through my account twice without success. Please see below : XX/XX/19 ONEMAIN FINANCIAL XXXX XXXX XXXX Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from ONEMAIN FINANCIAL XXXX XXXX XXXX Card ending in XXXX {$150.00} ONEMAIN FINANCIAL XXXX XXXX XXXX It only shows on text message where they attempted to run the {$670.00}. This is unethical practice from my understanding they are not suppose to change my information or go into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information exposed in data breach and reporting of inaccurate data please remove accounts