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

I recently looked at my credit report XX/XX/XXXX. I noticed some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Consumer Loan

Capital One Auto Finance repossessed and subsequently sold my car while it was under my husband 's Chapter XXXX Bankruptcy. When I inquired to Capital One about regaining possession and rectifying the account I was told to call back when the bankruptcy was over. I called back. They had already sold car. My credit report showed a repossession and recovery amount owed. I was not given a chance by Capital One to regain possession of the car or take over payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX  from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX XXXX, ( account ending inXXXX XXXX XXXX ) XXXX XXXX has the account listed as XXXX XXXX, but all payments are made to XXXX XXXX and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX XXXX has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted Equifax and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.
Product: Credit card or prepaid card

My wife, who handled our finances, passed away very recently. In her absence I have been acquainting myself with our banking situation, among other things. When I open our Bank 's website ( Truist Bank ) I am given three figures : Our checking account balance, our " Ready Line '' balance, both of which are fine, and our Visa card balance, which according to their statement is $ XXXX. Since I am very careful about always maintaining a positive balance in my credit card account, I did not understand what the {$15000.00} figure is all about, so I called the bank. They explained that it represented the accumulated fees from each use of my card, something that is not explained in any of their literature. Further questioning revealed that their fee for each transaction was between 14 % and 15 % of each trans-action. There is no mention of the size of their fee in their website. I said " If I owe that money I guess I will have to begin to pay it down monthly. '' " Oh no, '' she said, " We do not accept installment payments of this amount. It must be paid in full! '' The above information is the reason for my complaint. First, there is no information explaining how the bank calculates their fee, nor the amount of the fee. And Finally, I am a XXXX widower, living for the most part on social security. There is no conceivable way that I can come up with $! XXXX. It also amazes me that this fee has been accumulating over a very, very long period and the bank has never indicated that it is overdue. Moreover, I find it interesting that there is no way in their system to transfer any funds into that account.
Product: Credit card or prepaid card

I received a card from Bank of America that I did not apply for I shredded the unwanted card the same day I received it I checked my XXXX XXXX Credit Report and it shows XXXX accounts with Bank of America XXXX with a balance of XXXX and a credit line of XXXX and another with a XXXX balance I have never used these accounts
Product: Debt or credit management

I have disputed with Equifax multiple times regarding the inaccuracy that is on my credit report. Per fcra all items must be 100 % accurate or need to be removed. I have disputed multiple items showing derogatory that does not match my address nor my personal records. I have provided proof of my address which was a requirement and each time they are saying its verifable which is incorrect. The collection company does not have the correct address to validate the debt as accurate so the account needs to be removed per fcra. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719 I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX of XXXX, I began to send a round of letters disputing inquiries on my report to all three major credit bureaus because I noticed suspicious inquiries on my report. The replies from TransUnion were all the same and I have provided a copy of the most recent reply letter to me. They also failed to send me a copy of my personal credit report. 

After contacting all of the numbers for the creditors that were reporting and receiving disappointing responses on the matter of the inquiries, I then, called all three credit bureaus on XX/XX/XXXX at their fraud departments because I believed that there may have been someone attempting to use my information to obtain credit, so I initiated 1 ) A credit freeze on all three bureaus and 2 ) A security alert on all three bureaus. I removed the credit freezes and credit alerts since the other two bureaus recognized the validity of my disputes. 

TransUnion, however, was the only bureau that continued to report the incorrect data. They also failed to provide a copy either digitally or via US mail of my credit report and their results. I initiated a final letter which I have attached letting them know once again that they needed to resolve my request because the inquiries were clearly identified as fraudulent and must be corrected. 

In the end, they need to comply and delete these immediately. 

Thank you for your attention on the matter.
Product: Debt collection

Can you help me with a problem? in XXXX I had a company called XXXX XXXX  install solar panels. We were told we were getting 8 panels for {$8000.00}. It turned out we only got 5 panels, and they financed me for {$50000.00}. The name of the company is called " Goodleap ''. We were scammed by this company. The sales man that came to my home seemed very nervous, and ended up coming here a few times, 4 times in the same day. The 4th time, I wasnt here, and my husband told me this right before he passed away, that this man leaned down and whispered in his ear that if I didnt pay the loan, he would take our home. My husband didnt tell me that then because he said he didnt want to upset me. XXXX  XXXX  went bankrupt, and a company called XXXX took over. My panels never worked from day one. I had no one to call to take care of this problem. I kept calling this company called Goodleap, and they told me they were not installers, but they were a finance company. I ended up getting someone out here who worked on the panels, and said they were now working, but since then we have lost power a few times, and still nothing kicked in. If you look Goodleap up, you will see hundreds of complaints of basically the same thing that I am going through. Charging customers thousands of dollars. I have stopped paying them as of XXXX, but they are giving me a hard time. I am so afraid of loosing my home. Im alone now as my husband passed away in XXXX. Please help me. I dont know where to turn. I notified the attorney general, and they did reach out to them, only to get a letter back saying how I declined people that wanted to come, and thats not true. In XXXX I got a call from someone saying they were coming out here the next day. I waited all day and they never came. I also got an email and a call from someone else saying they needed to speak to me. I answered the email, and called them, and got no response. Goodleap said in their letter that they told me several times, to call XXXX, and that I declined to do that. Thats also a lie. I did call them, and they kept directing me to other places that couldnt help me. I am at a loss knowing what to do. I have a copy of the contract, but I dont remember signing it, and I dont understand it at all. I will never be able to pay {$50000.00}. Please help me. I am a XXXX XXXX XXXX senior and just not knowing where to turn. I appreciate your time in reading this letter. I am XXXX XXXX and I live in XXXX NC. My phone number is XXXX XXXX XXXX. Thank you so much. 

On Thursday, XX/XX/XXXX at XXXX XXXX  EST, Congressman XXXX XXXX XXXX wrote :
Product: Checking or savings account

In the description of " What happened '' there is a statement not to send sensitive data, and later in the instructions there is a box later to attach files. I am not sure what I am really supposed to do. I have files to support my claims and will forward them on request. 

Wells Fargo BankHas failed to close a CD I opened years ago. I have submitted proper paperwork and have copies which are not to be included in this complaint by CFPB guidelines. Wells Fargo completed an " investigation '' and failed to refer to two of the three facts stated in my complaint. Additionally, they did not request copies of the paperwork submitted XX/XX/XXXX from their branch office and by their branch office. 

Wells Fargo states in their response that I need to return to the branch office for assistance. Three sentences later the Wells Fargo response states that the banker was not able to proceed with the applicable form. I have a copy of said form completed by XXXX XXXX Phone XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Which he took to the back of the bank and was supposed to have faxed to the back office. And returned to me stating he did fax it to the back office. 

Obviously XXXX XXXX did not fax the form that was completed by him on his computer XXXX while the back office was on the speaker of my cell phone directing him how to complete the form. 

Additionally, not addressed in the response from Wells Fargo is the fact that I opened a CD account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At that time a form was forwarded to Wells Fargo to transfer all funds to said account. As of XX/XX/XXXX these funds have yet to be transferred. I also have a copy of that form also which by XXXX statement I am not to attach to this complaint. 

I continue to be frustrated with Wells Fargo Bank and their flagrant denial to close this account. Wells Fargo 's banking practices are why I am, and have been trying, to close all accounts with them. 

Agin, because the proper paperwork was completed on XX/XX/XXXX and was supposed to have been faxed by a lying Wells Fargo banker with a bad attitude. I request to be compensated of lost interest from XX/XX/XXXX to present. 

XXXX XXXX XXXX Refer to original complaint of XX/XX/XXXX # XXXX
Product: Debt collection

I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Experian o investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score and I never received any response back and the inquiries are still on there
Product: Debt collection

I reached out to Caprio XXXX  in reference to this medical debt that another collection company tried to report on my credit. I expressed to them that this was not my debt and if it was they have violated HIPPA because they never sent me a bill with my signature on it.

They have removed the {$150.00} charge from my XXXX on XXXX but still have the other charge of {$830.00} on my XXXX  and XXXX. 
The {$150.00} charge is also on my XXXX. 

I asked them to remove it or send me proof that it belongs to me and that I gave written permission fir them to contact me. 
They have violated my rights as a consumer and therefore Im asking all collections be removed.
Product: Payday loan, title loan, personal loan, or advance loan

NOTICE OF CONSUMER GRIEVANCE AND DEMAND FOR REMEDIAL ACTION To Whom It May Concern : I am formally addressing a troubling issue regarding my attempted purchase of a {$1000.00} item from XXXX, financed through Affirm. Upon delivery by XXXX, I was left a notice at my residence indicating the package was held at a designated XXXX location, specifically XXXX XXXX XXXX, XXXX, CO XXXX. Upon my arrival, I was informed by an employee that the item would be returned to the sender, XXXX, if not collected within 24 hours. Accordingly, I reached out to both XXXX and Affirm, requesting the transaction be canceled, as I have never taken possession of the product. 

Despite XXXX website guaranteeing a six-month return policy, they have stated a 25 % fee will apply to the refund. I assert that I should not be subject to any such fee, as the item has remained untouched and outside of my possession from the outset. Additionally, Affirm has continued to demand monthly payments despite extensive communication and documentation of my situation, including proof of exchanges with XXXX. In four weeks of attempts to reach a resolution, I have encountered inconsistent responses from Affirm representatives, some of whom have incorrectly claimed that payments are due even while the matter is under dispute. 

Further complicating the matter, XXXX advertised a promotional 25 % discount which was not applied to my order and a 30-day satisfaction guarantee for purchases through XXXX, which further reinforces my expectation of a straightforward resolution. 

Given that I have made every good faith effort to rectify this matter directly with both Affirm and XXXX, I have been compelled to report their conduct to the following authorities : The Colorado Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Federal Communications Commission ( FCC ) The Office of Inspector General ( OIG ) The Consumer Protection Division If Affirms actions result in damage to my credit score, I am prepared to pursue all available legal remedies for fraud, harassment, and failure to exercise due diligence in line with good business practices.

Please consider this a final demand to rectify this situation without further delay. 

Case Reference : XXXX Loan ID : XXXX Sincerely,
Product: Mortgage

I applied for a {$40000.00} equity loan in XXXX. In XXXX the deed was tranferred into my son 's name and recorded into record. At that point I was officially as mandated by law, in breach or default of my contract. The bank, however, never took action to reassign the mortgage nor did it exercise its right to utilize the acceleration clause. In XXXX my son passed away. The premises in question remains in his name while the original mortgage is assigned to me after 8 years after transfer of the warranty deed. The bank is now mailing me papers to recover deliquent payments which are not conspicuous, have not itemized details of repayment and contains cognivit clauses within the body of the contract. I am a natural person and individual consumer additionally this situation this is regarding a residence. I was led to believe that a contract containing a conovit clause was illegal in the Commonwealth of Pennsylvania unlessthe transaction conducted was of a commercial nature. This is a blatent attempt of deceitful practice. Futher more, the FDIC made a statement during the Covid 19 pandemic that they would not criticize institutions for waiving late fees and overdrafts etc. and in fact encouraged such practices by banking institutions for the best interest of the consumer and communities. I was not privileged to that courtesy even though I was without employment and without stimulus. At this juncture there are many flaws within the contract containing cognovit clauses at several levels.
Product: Student loan

Dear Sallie Mae, I am writing to request the removal of a delinquency reported to the various credit reporting agencies that was submitted by Sallie Mae on XX/XX/2023 regarding account ending in XXXX. 

I have used Sallie Mae extensively for nearly a decade to help finance the education of my 2 sons XXXX and XXXX. I have taken out a total of 10 loans in 8 years. In that time span I have never been reported as delinquent. I have repaid 4 of those loans ( XXXX, XXXX, XXXX, XXXX ). I also have 4 loans that are currently on auto draft from my checking account ( XXXX, XXXX, XXXX, XXXX ). 

Recently I took out 2 additional loans ( XXXX, XXXX ). My understanding was they were in the process of being placed in deferment, as my son is still in school. I was also working on the assumption that they were setup on autopay like the others and would begin to draft once things were coordinated with the institution my son attends. That institution is XXXXXXXX XXXX XXXX XXXX ( XXXX ). Since taking out these loans recently I have not communicated with Sallie Mae until today. 

Thinking everything was fine I was shocked by what happened. This morning I was notified by an XXXX alert that my credit score dropped by XXXX points!! I logged onto XXXX and found that Sallie Mae had reported 1 of the 2 new accounts delinquent. I immediately logged onto Sallie Mae and made a payment to bring these loans current. Then I contacted Sallie Mae about the issue and was told that my only recourse was to write a letter and was given a mailing address verbally. 

I had a XXXX score that dropped to XXXX overnight, making it next to impossible for me to get credit now. I had a XXXX score because I have never had a negative item on my credit report in my entire life, and XXXX XXXX XXXX XXXX! Currently Im dealing with some health issues. It is frightening to think I could have a medical emergency and not be able to get credit because of a simple miscommunication. 

Please review my account and verify what I have said. The only reason these payments were not made is because of communication issues between Sallie Mae, XXXX, and myself. As I have brought the account current, I am requesting the delinquency be removed from the credit reporting agencies due to extenuating circumstances. 

Hopefully my extensive history with Sallie Mae, and the difficult and time-consuming coordination with educational institutions that are requisite in this process, will weigh favorably in your decision. Thank you for your time and consideration.