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

I have contacted EXPERIAN, XXXX and XXXX i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I recently obtained a copy of my credit report, and I discovered an inaccurate and unjust entry that has been placed by a collector. I have attempted to resolve this issue directly with the collector, but I have not received a satisfactory response. Therefore, I am seeking your assistance in rectifying this matter. 
The inaccurate entry on my credit report is as follows : Creditor Name : National Credit XXXX  , Inc Amount Owed : {$3300.00} National Credit XXXX  , Inc has failed multiple requirements under the Fair Debt Collections Practices Act and The Fair Credit Report Act and willfully violates state and federal laws including but not limited to : 15 U.S.C. 1692 ( g ), 1692 ( e ), 1692 ( j ). They do not have a legally or lawfully binding contract, agreement or obligation between them and myself. Further, their willful non-compliance caused and continues to cause me harm and damages and they are criminally and/ or civilly liable to me under 15 U.S.C . 1681 ( n ) and 15 U.S.C. 1691 ( o ) for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act 4. Violation of the Fair Credit Reporting Act I have taken all necessary steps to resolve this matter directly with the collector, including sending a certified letter requesting validation of the debt and disputing the validity of the entry. However, despite my efforts, the inaccurate entry remains on my credit report, which is negatively affecting my credit score and my ability to secure favorable financial opportunities.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/2020, I paid off my auto loan. I wrote to the finance company in Georgia on XX/XX/2020 requesting they cancel the Gap Insurance and issue a refund for the unused premiums. I waited a couple of weeks ; and, after not hearing back, I called the GA office for a status. I was told I had to write a letter to the XXXX XXXX XXXX in XXXX XXXX, FL. 

I wrote a second letter to the XXXX XXXX XXXX on XX/XX/2020. Again, I waited a couple of weeks and then I called on XX/XX/2020 for a status update. The representative told me my request had been processed on XX/XX/2020 effective XX/XX/2020, the date I paid the loan in full. She further told me the dealer had the funds and she instructed me to call them. 

On XX/XX/2020, I contacted the dealer in XXXX XXXX, NV by phone. The operator told me their offices were closed for a month because of the Covid 19 virus. 

I waited another month and then began calling the dealer again. On XX/XX/XXXX I was transferred from one extension to another, but no one answered the phone. I left numerous messages and no one called me back. I also engaged in a Chat Session and explained my situation in great detail, including the fact that I had moved to TN on XX/XX/2020. I gave them my new address and I was told I would receive a call back. 

When the call was not returned, I called the dealer in XXXX XXXX again on XX/XX/2020. The result was the same. I was transferred all over the place and sent to extensions that went unanswered. I called back several times, was hung up on several times, but finally spoke to someone named XXXX who transferred me to someone named XXXX. XXXX was rude, unprofessional and nasty. She told me I would have to go down to the dealership in person. When I told her that was not possible since I was living 2,000 miles away, she then told me I would have to call the finance company. She tried to out talk me several times and even hung up on me! She was, though, actually able to tell me the amount of my refund. This tells me my refund had, in fact, been processed on XX/XX/2020 and the dealer was holding my money. 

I wrote a letter to the CA office of the auto finance company on XX/XX/2020. I have not heard back ; but, in the interim I have tried numerous times to contact them by phone. Every time I have called, and after entering all of my information to identify my loan, I hear a message saying something like 'Our lines are extremely busy right now. Please call back later. '' And then I get disconnected. 

I have now gone full circle and am right back at the beginning of my journey. I am hoping someone in your office can help me get this resolved once and for all. 

If the dealership is holding my funds ( which I definitely know they are for at least 2 months now ), they need to send me a check asap. I have waited way too long to get my money back. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> is reported on my credit as an hard inquiry that I have not applied for or notice until checking my credit, when I called XXXX XXXX they took off the wrong account and made my new card get closed and messed up my score.
Product: Credit card

For over a month now ( today is XXXX XXXX, 2015 ) I have been getting credit card offers for XXXX XXXX XXXX, XXXX. I have requested by phone and have mailed back each mailing ( about XXXX ) that this person is DEAD and has NEVER lived at my address!!!!! It is DISTURBING and DISRESPECTFUL and EMOTIONALLY TRAUMATIZING to continue to receive these credit card offers in the mail!!!!!!! The amount of offers sent is ridiculous to begin with. The fact that my phone and mailing requests to STOP is beyond disturbing! I WANT THEM TO QUIT MAILING THIS TO MY HOUSE!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for XXXX yrs XXXX months
Product: Credit reporting

cfbp i would Like to file a complaint on Experian reporting agency On XX/XX/XXXX I sent in via Cerified mail this letter below asking Experian To investigate credit inquires as you Can see in my letter I asked them For details Infomation reguarding the inquires. i got a letter from them On XX/XX/2017 stating that they could'nt remove any of the Inquires! Number 1 They failed to send me any of the information I asked them to send me in order to verify these Fraudulent inquires! I asked that Experian Please send me the Info below or please REMOVE THESE ITEMS ASAP IF YOU ARE ABLE TO VERIFY THE INFO THAT I REQUESTED. 
MOST INPORTANT EXPERIAN IS FAILING TO SEND ME UPDATED CREDIT REPORT AFTER THEY ARE DELTED AND UPDATING MY INFORMATION THAT IN VIOLATION OF THE FCRA THIS IS MY 2ND REQ FOR UPDATED CREDIT REPORTS FROM THIS COMPANY!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear PORTFOLIO RC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that PORTFOLIO RC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for PORTFOLIO RC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that PORTFOLIO RC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO RC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Information was leaked due to the data breach. I would need my information removed from my report.
Product: Checking or savings account

XX/XX/24 : I got several emails and a text that a Chime account had been opened in my name. I did not fill out an application and hadnt hear of the company till then. They had all of my information and opened the account. However my credit has been frozen prior. They closed the account when I called. 

This account shouldnt have been allowed to be opened in the first place.
Product: Debt collection

I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.
Product: Checking or savings account

On XX/XX/year>, I made my mortgage payment using XXXX XXXX XXXXXXXX 's portal. However it shows that it wasn't paid. I contacted XXXX XXXX XXXXXXXX and they acknowledge that payment was made. For some reason, the payment reverted. So I contacted Navy Federal and they said the money was in my account at the time of the payment and days after. Navy Federal couldn't figure out why they didn't make that mortgage payment.
Product: Mortgage

This is XXXX! I asked for a copy of the loan audit for my loan to see what payments have been made and Wells Fargo response to my last complaint XXXX. Is that they need more information from me? XXXX you CFPB are worthless pass the buck over paid government POS!!

If I had to show all my checks I had to spend {$250.00} to get copy of checks from 2 years ago but ask the bank with XXXX  dollar computers they can't manage to get my loan payments and show how they are posted?

This system is seriously XXXX XXXX!!!

That bank Wells Fargo should have to give me a loan audit with in 72 hours!!! At least with in 30 days! You really want to be a consumer protection Orginaztion then act like you give a XXXX!! Make the banks do their jobs and supply the audits!!
Product: Money transfer, virtual currency, or money service

I ordered a XXXX from XXXX XXXX. It cost {$1200.00} weighed XXXX lbs & comes in XXXX boxes. I only got XXXX. XXXX XXXX would only offer me a {$230.00} refund. I turned in charge-back with PayPal. PayPal is giving me the run around, repeatedly extending the resolution date & asking me to file complaints with the FBI, State Police & the IC3, threatening to decide In XXXX ' favor if I do not. The FBI & State Police do not deal with civil complaints & I do not have access to the information I need to file with the IC3, so I am filing my complaint here & the FTC & the Pennsylvania Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( 1 ). ( A ). 

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

I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX  XXXX   XXXX {$160.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Bank account or service

i deposited XXXX dollars in CASH in the account on Saturday XX/XX/XXXX at XXXX at XXXX MD XXXX The ATM machine took the money and printed out a slip but it said incomplete transaction No funds appeared on the account I called immediately and they told me that they see the deposit but there seems to be an error but it will be sorted I told them that I DO NOT HAVE THE MONEY to WAIT for 10 days because I need the money for my BILLS and my GROCERIES I have an infant at home who needs MILK I deposited CASH not a check They said it will be resolved soon Monday morning I asked my wife to call on behalf of me she is an authorized person on the account She has an account with PNC as well, she recommended PNC to me She has called on behalf of me several times Today when she called after 25 minutes the rep told her they can see it they dont know what happened My wife explained we need the cash but transferred to an incredibly rude woman named XXXX XXXX who said we dont know who we are talking to to my wife although we gave her all the information and I have authorized on the account She then was rudely refusing to help us and provoking us because we are already upset that PNC took cash telling me come to the bank I DO NOT HAVE THE CASH TO COME TO THE BANK I could not go to work today because I do not have the cash I just want my cash back XXXX put us on hold for 50 minutes and changed the subject from THE MONEY PNC TOOK to my identity being questionable I called again and spoke to a man named XXXX who avoided giving me his name and after 10 minutes he did the same thing. The bank keeps telling me this is the prosedure when a dispute is filed. I work day and night to earn money and feed my family. I deposited CASH. am i supposed to tell my infant that she cant have formula because pnc has a prosedure? the service my wife and I for from the bank is appaling. I think they probably think we are poor people so we dont deserve to be treated with respect. I earn every penny I get. My wife is pregnant and in school while taking care of the baby because we are working to make a better life for our family. It maybe a small amount for pnc but that was grocery money for us.
Product: Credit card or prepaid card

My card was deactivated by the reliacard due to a mistake on their behalf. They wouldnt allow me to have my refund from a hotel business and thought that they were mistakingly giving me a refund when they were not mistaken. I havent been able to buy my XXXX   opera and wipes, food, or pay bills and I am currently XXXX and cant buy my XXXX medications nor put gas in my car to take my children and myself to the hospital appointment appointments. We are in a deep hardship and crisis due to ReliaCard errors. 
The only best way to avoid being declined in the future is to have my money transferred back to XXXX XXXX and not reliacard. I do not wish to do business with them any longer. I do not want to be their customer anymore. To do so would put my family in another potential jeopardy. 
I want my money transferred back to my XXXX XXXX where my needs and my families can be met. 
Please email at XXXX I can reply very fast this way. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX