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

one inaccurate bankruptcy is reporting under equifax credit reports of mine, this is a complete inaccuracy that is reporting gunder equifax, i have never had a public record filed. please find attached the documents that i have received and specifically shows that i have no public records what so ever, please make my complaint and proceed to having equifax remove this inaccuracy reporting cause they a re not helping me in this case and are not helpful at all, disputing inaccurate and wrongful way and very much disrespectful thank you
Product: Debt collection

To whom it may concern : I don't understand how you just reported something on MY credit report without my knowledge, and I would like you to remove it immediately. Also, I would like evidence of the following : Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]  All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX ACCOUNT NUMBER # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 



XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE
Product: Vehicle loan or lease

Good Afternoon, I'm contacting you in reference to issues with my account # XXXX with PNC Bank.I have continuosly reached out to PNC bank concerning a XX/XX/XXXX late payment showing on my XXXX and XXXX credit report. I initially had bewn in contact with XXXX XXXX in executive client relations on XXXX XXXX XXXX corrected other issues with my account, but never removed the XX/XX/XXXX late payment.I reached out to CEO XXXX XXXX via email on XX/XX/XXXX whom referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXX and assured me she would look into the issue further. I asked for a detailed payment history and XXXX XXXX XXXX sent me a payment history with no dates or reference to payments.I emailed XXXX XXXX XXXX on XXXX XXXX informing her that the payment history she sent me showed no XX/XX/XXXX late payment and asked her to remove it. I received no response from XXXX. I emailed CEO XXXX XXXX on XX/XX/XXXX and forwarded the e-mail between XXXX XXXX and myself.I also sent a certified letter with return receipt to CEO XXXX XXXXPNC Bank hasn't updated my account on my credit report since XX/XX/XXXX. I can not get anyone from PNC Bank to resolve this issue on my behalf.
Product: Credit card or prepaid card

On or about XX/XX/2020 I initiated a credit balance transfer to be issued by wire to my bank due to overpayment. 

On XX/XX/2020, I was notified in clear terms that the wire transfer would be completed. Wire transfers take hours, not days. 

On XX/XX/2020 I initiated contact with amex through multiple channels and spent a cumulative total of over 2 hours across two days in unsuccessful attempts to get the funds due to me on this account which total {$7100.00}. 

I've received different answers from multiple different reps as to both the cause as well as when I'd receive the funds. 

AMEX is holding almost {$7200.00} of my money at this time without permission and after clearly articulating that the wire transfer was going to be completed more than one week ago. 

If this continues through the close of this week, a small claims suit will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax today at XXXX XXXX  I spoke with XXXX in the dispute department to dispute a XXXX XXXX account that is being reported on my credit file. I've went through steps 1 and 2 in disputing the item which suggests that I owe XXXX dollars in XXXX XXXX   which is a closed account. I requested from Equifax that they provide me with a written wet inked contract that bares my signature on it within 30 days per FCRA 609 But XXXX requested that I send something to them proving that the debt is not mine the law clearly says that the Credit reporting agency that is reporting anything on my file should have maximum proof that the item belong to the consumer. In this case maximum proof will be a contract with me and the debt collection agency. I also informed XXXX that if she refuse to provide me with the requested documents she can be sued in the Court of law XXXX then hung up on me.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for Equifax to remove inquiries that were fraudulently placed on my consumer report. I have no open accounts with these businesses. I am requesting for them to be removed immediately because I don't agree with them. 

The following inquiries must be removed as I did not initiate them or authorize any party to do so : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX
Product: Credit card or prepaid card

Hi INDIGO ; Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Product: Checking or savings account

I am the executor of estate for my deceased fathers accounts. I have been denied bank statements to all of his accounts. The bank was unable to locate 8 mths worth of Soc security benefits I provided the account number from Soc sec administration I was then told that the account was in fact in my fathers name but I could not be provided the statements for the account until after the branch manager XXXX XXXX who was assisting me at that time came back from vacation in 6 days, 6 days later I was told that they found the payments and that they had been put into the wrong account but that is opposite of what I was originally told the bank has been delaying access to accounts in my fathers name since XXXX my XXXX passed XX/XX/XXXX. I believe the bank hiding information and or funds and i would like an audit of the account provided by Soc Sec Administration
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXX  XXXX XXXX and Account # XXXX, Account name XXXX XXXX XXXX XXXX  XXXX XXXX - and Account # XXXX, Account name XXXX XXXXXXXX and Account # XXXX, Account name XXXX Account number XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX  Account number XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  XXXX MI Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # 's XXXX, XXXX, and Account # XXXX, Account name XXXX XXXX XXXX  Account # 's XXXX, XXXX, & Account name XXXX  Account # XXXX, XXXX XXXX Account number XXXX XXXX. 
Inquires : EQUIFAX MORTGAGE SER and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In XX/XX/2017 I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, XXXX, and Equinox to no avail. This time period should not report as late, past due, or negatively impact me.
Product: Credit card or prepaid card

on monday XX/XX/21 someone accessed my XXXX  prepaid account at an atm and removed $ XXXX they did this without the use of my atm card without my pin number.nobody has my info or acess to it I do not make reckless or irresponsible on line purchases .there can be no evidence I was involved somehow. But somehow bank of america has determined without any evidence I am a thief and have made me liable for this loss .How can this be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Compliant to request that you remove the remaining account you report on my Credit File. Once again, I am a victim of identity theft and the account I am disputing do not relate to any transaction that I have made nor authorized. The Account I am disputing was already removed from the other Credit Bureaus and you have no rights to continue reporting the disputed account as this account was already removed. In accordance with the Fair Credit Reporting Act section 605b, I am requesting to you once more that you remove the disputed accounts off of my Credit Report. If you did the same investigation as the other Credit Bureaus, how come you still reported the account as verified when the other Credit Bureaus have found the account to be erroneous and had it removed? I am submitting this CFPB Complaint to you to request once more to have the disputed account removed as soon as possible : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. If you believe that the account is accurate, I need you to please send me any documents supporting such claims. If you do not provide me with me the needed documents, immediate deletion of the disputed account will be greatly appreciated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Mortgage

Firstly, I requested a quote for a delayed financing mortgage in XX/XX/2023 from Amerisave mortgage. We purchased the property in question via auction with all cash, thus was trying to borrow against the equity that we now have with the property. When the loan officer ( XXXX XXXX ) first contacted me, he gave alot of ( now known as false ) promises about how this would be an " easy '' and " quick '' mortgage application process and said I can close the loan within 3-4 weeks. I only requested a mortgage loan of $ XXXX which was only about 50 % of the equity of the property. 

Lo and behold, after countless requests for additional information and pre-payments for credit reports and appraisals, they came back and told us we were only eligible for a loan for the equity that we personally put into the house since we did purchase the house with the assistance of family members. That was an incredible blow considering this significantly reduced the amount of the loan we were requesting from $ XXXX to $ XXXX. That would have been fine if the loan officer was transparent about this from the beginning! Since our names are on the title and we own the property free and clear, we did not expect this to be the case. This happened about 5 weeks into the mortgage application process ( already longer than we initially thought ). After this of course, it was more and more letter requests on top of bank statement requests. 

Finally as we got to closing, we repeatedly told the mortgage officer we DID NOT want to include escrow. But at closing, the closing disclosure of course had escrow included. Not only was that incorrect, it also had an additional charge of {$700.00} for the appraisal! I had already paid this in the very beginning! If I did not read through the closing documents carefully, they would've charged me twice! Additionally, I was promised the loan would be funded within 3 days of closing, and it has now been 5 days and still hasn't been funded. All these events have been unacceptable and I honestly believe this company is very unprofessional and borderline scamming consumers. I had a very poor experience with both the loan officer and loan processor of AmeriSave Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from PenFed credit union ; I went online and used the " customer Id '' they gave me. although I do not have this letter now, They accepted my credit app. & said I would be getting an email. my acceptance # was:XXXX. 

I did receive an email requesting I provide my driver 's license, so security card, and income verification. I supplied a front & back of my DL { Texas }, and to satisfy both requirements for income verification as well as social security number I sent my XXXX form XXXX. I in turn at first received an email saying that the photographs were blurry of my driver 's license so I in turn sent a scan version off of my printer. These documents were accepted and I received a confirmation number : XXXX. 

After getting no response for 2 weeks I neglected to follow up. However, checking my credit report as I always do I notice not one inquiry dated XXXX of XX/XX/XXXX, but another hard inquiry for PenFed on XX/XX/XXXX. 
This upset me to no end - being a former collection manager for the XXXX XXXX XXXX XXXX in Texas ; One inquiry is acceptable ; Two inquiries within the same month, from the same " creditor '', is obviously a skip tracer looking for a debtor - which I am not!!!, and which has damaged my credit history! 
I contacted PenFed and gave him my phone number which was entered into their system. The representative took their time and then came back on the phone and said hello hello but he couldn't hear me. I called back in the same thing happened again. I, therefore, check my phone system by calling friends as well as my phone company- it worked perfectly. Then I called PenFed customer service back only to be hung up on this time. 

Knowing the federal law as I do, I just thought I would not stress it even further and wait for the snail mail response. Tomorrow is the deadline according to federal law and I have received nothing. 

So tonight the XXXX of XX/XX/XXXX I call PenFed customer service back. At least this time I got a very nice customer service representative named XXXX. I explained the situation and she also told me there is nothing in their system regarding me!... she put me in touch with XXXX a supervisor. She was quite standoffish-a typical bill collector supervisor response. 

In short : this creditor is not only damaged my credit but has refused to acknowledge my application nor has granted me or spots to my application in violation of federal law..
Product: Consumer Loan

In XXXX 2015 my auto finance company contacted my landlord and informed him they were looking for my vehicle and gave specific color and model. Also advised him it was delinquent and they would get a court order to enter the garage to retrieve it. On the same day they also contacted a reference asking them to relay a message that they were calling about my vehicle that is past due. When I called to speak to customer service they advised when a loan is delinquent, they are allowed to give out this information in effort to locate and retrieve the vehicle.
Product: Vehicle loan or lease

Over the last 6 years i have paid accessed over 2000 dollars in late fees. These fees should be waived. They are also in the middle of a class action lawsuit that was awarded for these types of loans and fees. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifex : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  Equifox : XXXX XXXX : XXXX XXXX : XXXX.