23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dear PNC Bank, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : PNC Bank - XXXX of XXXX XXXX XXXX Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required XXXX period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with the following companies : 1. 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 Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX
Product: Credit reporting

I recently pulled a copy of my credit report and noticed information in error. Credit Inquries : FCRA states that the only permisable purpose for pulling someone 's credit is a ' firm offer of credit b ) insurance c ) employment or d ) court order.The following inquiries are related to none of the aforementiond permissable purposes : XXXX Bank 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 and XXXX XXXX/XXXX/XXXX. I have written letters and been calling for a few months and told them I did not authorize these inquiries. The responded via mail stating that were not going to do anything about it. I have been hung up on several times by their customer service even though I was nothing short of nice and professional.
Product: Debt collection

I am being charged for past rent on an apartment/house I never lived at co-signed for at all, I currently own my own house and have been living in my home since XXXX  in XXXX  and have been there every since then. 

the amount is {$5400.00} I have never lived at this address in question
Product: Mortgage

My concern is the modification of the second mortgage dont understand why I have a second mortgage
Product: Checking or savings account

Attempted to open a Chase Total Checking account myself, as well as my father ( who has incredible credit ) he attempted to open one on my behalf to later add me as a joint user both of us were denied. 

I need checks but was only able to open a Chase Secure Banking account which does not offer checks.
Product: Checking or savings account

On XX/XX/XXXX I initiated a XXXX transfer of XXXX to a person. Bank of America processed my charge and sent me a confirmation email saying that the XXXX had been confirmed. The XXXX remained processing the XXXX was inaccessible for me to use. Bank of America did not tell me there was a banking error with XXXX and proceeded to send the money back into my account without my knowledge and then proceeded let processing charges be taken out of that XXXX dollars. On the the XXXX of XXXX that same XXXX transfer was processed without my consent or knowledge sending my account into the negative. There was not notice from Bank of America about the changes to my account.
Product: Debt collection

Company is posting collections on debt not owed. Company never tried to reach out or even verified the information was true. Identity cards and social security cards have been stolen in the past so extra XXXX XXXX XXXX XXXX. Reached out to company to dispute and company refused dispute
Product: Credit card or prepaid card

I purchased a gift card from XXXX XXXX  for XXXX. They then charged me twice in XXXX. XXXX XXXX refunded the XXXX amount and provided me with an email and code. I let them know that it was still on my card and they double checked and said it was refunded on their end. However Barclay Uber Visa says fraud dispute denied the claim and will not refund my money. I can not file another claim. I called XXXX and it is refunded on their end. This occurred in XXXX and it is know XXXX and I can not get a refund for them. I verified with XXXX XXXX  that only XXXX gift card was issued and the other one was refunded.
Product: Mortgage

I was having issues with my mortgage inXX/XX/XXXX. I spoke to my representative in fayservicing about a loan modification. I sent in the application and they claim that they never recieved it. I sent it 4 times and no response. My mortagage was becaming more and more behind. I was able to pay some money but they continued to return it. InXX/XX/XXXXI received a new rep. XXXX and he mentioned a Deed in Lieu. I stated to him that it would be good for me. I sent him an application and of course it was never received. I kept getting the run around with this company and their representatives for years. InXX/XX/XXXXI sent XXXX the application for a deed in lieu which I have confirmation that it was sent. He never returned by calls, I called to notify him that I was leaving the home to live with my parents because I wanted the deed of lieu to be processed as soon as possible. I was told I could get XXXX and now I ca n't because the offer expired. I continued to call with no response from noone. I was told that they needed my husband to sign a XXXX form which was not true. I was able to speak to a several rep. and was told that it was still processing. In XXXX I was told that they ordered my title. In XXXX I spoke to a very rude rep. name XXXX and he informed me that the application has expired and I had to do the process all over again. He stated that what happen in the past is the past and told me what do I want to do. He sent me the application again to my parents I filled it out and then in the same week I was given another rep. named XXXX. I spoke to him and he sent me another form. They went to my house in XXXX and lied and stated that I was still there and had not vacated the property. They told me that the electric gas and water was still on, but I had proof that it was all shut off XX/XX/XXXX XXXX received the application and I was told the deed in lieu would take 30 days. That was in XXXX. During that time they had someone delivery to me Forclosure papers. Those papers were sent to XXXX in XXXX. It is now XXXX and they sent me a form for short sale. I called onXX/XX/XXXX and stated I do n't what to do a short sale but a deed in Lieu and receive 3 to 4 thousand for turning over my keys. Fayservicing just paper  push and does nothing to help. I believe that they want to forclose on my home and not help. I have yet to talk to XXXX and I have sent emails. When I started this process late fees and everything was suppose to stop and it has not. Yet they continue to tell me that they never received this and that and when I provide proof that they received the paper work they come up with something else. This company has a class action suit against them back in XXXX. I hope that I will be able to contact someone to sue them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got hold of my XXXX credit card and used it, when I first noticed it I called the company right away and they canceled my account and sent me a new card. And they still wants me to pay for something I didnt use
Product: Mortgage

My home was foreclosed on by the primary holder XXXX XXXX in XXXX of 2020. Throughout the process despite my notifications, the second mortgage holder ( Fay Servicing ) did not once participate in the process. The home was repossessed on XX/XX/2020 by XXXX XXXX. I notified Fay servicing of this and sent them the sale letter, and repeatedly have tried to call the guy assigned to my mortgage. I get no response, no information, and they keep adding interest to the debt with no activity regarding the notification on the sale. I am trying to repair the damage done but with this open ended debt out there and their lack of any contact or anything I can not move forward. It was my belief that this should have been settled by them and XXXX XXXX when the home was foreclosed on. I understand the process but it is over now. How is what they are doing legal?
Product: Credit reporting or other personal consumer reports

My account with 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 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 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: Credit card

On XX/XX/XXXX, I noticed unfamiliar accounts on Credit Report with Capital One that were going to XXXX ( somewhere I have never lived ). I called Capital One and was told they already flagged the accounts and had a specialist assigned to them who would reach out to me. They did not reach out, so I sent them XXXX certified mail with tracking number XXXX, which they received XX/XX/XXXX. I still have not heard back from them. The negative impact to my credit score has been harmful, and I'm struggling to set up my medical insurance account now since the identity verification requests keep asking what XXXX address I am associated with, and I have no clue what it is.
Product: Credit reporting or other personal consumer reports

I went into XXXX XXXX XXXX on XX/XX/XXXX. I already had a pre-approval from XXXX XXXX. My mom and I told the staff and the salesperson that I didn't want my credit run a lot of times through their system. I just needed the application to be submitted to XXXX XXXX only. They had system issues for days but I still stood on what I stated. I didn't need it to run to multiple lenders. I had already talked to XXXX XXXX and I was going to be approved with them. Weeks later, I started receiving company denial letters, some of which I had never heard. I then checked my report, and there were about 11 on XXXX and some on Experian that I know of so far. I spoke with several people, and one person apologized and said they was just trying to get the sale. That's unacceptable because I already had a pre-approval for this very reason. I didn't want my credit to run several times and add all of these inquiries. My mother spoke with a person from XXXX XXXX XXXX on XX/XX/year>, phone number XXXX, XXXX and he stated that it was pending with XXXX XXXX so that's why it was ran to other companies. She told him that they should've waited, because it was going to get approved through XXXX XXXX. They just wanted to get a sale and didn't care about what I said.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Credit Card from XXXX XXXX reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXXXXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX  provides me a copy of the statements I have requested.
Product: Mortgage

Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Paypal handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Paypal numerous times and reporting discrepancies, my financial institution and Paypal failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that PayPal has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) .. I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on Experian XXXX XXXX XXXX Account NoXXXX Duplicated on two times on XXXX Two accounts with no furnisher account information listed on XXXX
Product: Debt collection

Wakefield and Associates made numerous calls, when I answered the phone they hung up.Secondly, I requested proof of the medical bill they said I owed. Never sent me proof, and ruined my credit with XXXX XXXX Here is the current history of this corrupt company How many Complaints are there against Wakefield & Associates?

As ofXX/XX/XXXX, the XXXX  has closed 149 complaints against Wakefield and Associates in the past three years, with 75 closed in the past twelve months. The largest percentage of complaints alleged problems with billing and collections. Most of the remaining complaints are fairly evenly split between advertising and sales issues and customer service issues. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has logged 129 complaints against Wakefield, and XXXX  lists at least 6 cases of civil litigation naming Wakefield & Associates as a defendant.
Product: Debt collection

I called several times to the medical office and gave my insurance information to the hospital and the doctor had 6 months to file insurance and his company never filed the insurance on time thus XXXX XXXX XXXX XXXX refused to pay medical charges it was pass time to file. XXXX XXXX XXXX XXXX called the company and told them remove collections because it was not authorized.