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

Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute four inquiries reported by XXXX XXXX on my credit report. These inquiries are not associated with any open account or credit application I have authorized. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that only authorized " hard '' inquiries may appear on my credit report and affect my credit score. The inquiries in question were advertised as " soft '' pulls with no impact on my credit score. After these soft pulls, I chose not to proceed with the credit terms, yet the inquiries are now being reported by the three major credit bureaus, which appears to be a violation of the FCRA. 

The specific inquiries in question were recorded on the following dates : 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

Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a Hard Inquiry of my Credit when I have not applied for credit. It was on XX/XX/2022 from a XXXX XXXX XXXX. I have not applied for any credit and can't understand how a hard inquiry was completed.
Product: Checking or savings account

On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. 
Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. 
XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). 

Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.
Product: Checking or savings account

BB & T bank stole money from me on two occasions. They classified the unauthorized withdrawals as a payment reversal. I have sent numerous emails requesting what the payment reversal was for. I have called them no less than 100 times and they will not take or return my calls. I finally went to the bank in person, and they said they can not talk with me. I have all the supporting evidence including all my emails and banks statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

addresses and personal information on my credit profile is not accurate or correct
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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. 


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 XXXX
Product: Credit reporting or other personal consumer reports

My information was involved in several data breaches and I have reached out to the reporting agencies to have them removed the information and proposed debts that I deemed as opened fraudulently. 

XXXX XXXX reported and says opened XX/XX/XXXX - XXXX $ XX/XX/XXXX reported and says opened XXXX XXXX XXXX - XXXX XXXX XXXX reported and says opened XX/XX/XXXX - chargeoff
Product: Money transfers

( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer.
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been deeply unsettling and frustrating. My personal information was used without my consent, resulting in unauthorized accounts and activities appearing on my credit reportaccounts that I have no connection to. Taking this matter seriously, I immediately filed a report with the Federal Trade Commission ( FTC ) as instructed by the credit bureaus. I submitted this report along with all necessary documentation, expecting a swift resolution. However, despite my efforts, these fraudulent accounts remain on my credit report, which is incredibly concerning given the potential harm to my financial stability and creditworthiness
Product: Credit reporting

Transunion received multiple disputes with correct and legitimate concerns and contacted me asking for additional info. I included substantial documentation including a copy of my ID and recent mail to verify my address. 
Transunion has failed to address errors on my credit report even after I disputed and followed the dispute process in its entirety. 

This is just a stall tactic, illegal under the Fair Credit Reporting Act.
Product: Checking or savings account

I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.
Product: Vehicle loan or lease

Basically I purchased a truck from XXXX XXXX XXXX XX/XX/year> and Dakota Financial in XXXX XXXX CA was my finance company. To get the of credit it would take to purchase this vehicle I had to pay XXXX downpayment. I believe that's illegal under 15USC1662 ( b ) but I was unaware at the time of purchase. So I put XXXX down on this used vehicle and I was told by my salesman at the time Dakota Financial will send all my paperwork and contracts the following week. I never received a contract from Dakota Financial even to this point. I was told my loan would be for 42 months at XXXX per month. I never received that in writing just word of mouth. I requested for my contract several times to be ignored and blowed off. I made payments on this truck with downpayment /repairs and truck payments of {$93000.00} and I have not had a chance to review any contract. I asked for my original contracts and they were never provided. I was transparent with this company and explained to them in XXXX of this year my XXXX XXXX was blackballed in the industry for me standing up for my rights because of a short payment from a brokerage. I let them know everything that was going on and in XXXX my family found out my mother had stage XXXX XXXX XXXX. During this time I still made payments and repaired my vehicle, brakes, tires, and shocks, along with paying this company while my company was blackballed and that prevented me from making revenue since a lot of shippers use XXXX XXXX XXXX. So the rates became really bad once I was able to get back in my truck and during that time I was also paying my insurance in the amount of XXXX per month. So I went back to work but I had an uphill fight as I'm a XXXXXXXX XXXX XXXX. In XXXX I spoke to XXXX and she asked if I could make a full payment on my account I explained to her I would do my best and she said if I couldn't she would have my truck picked up. I told her if I couldn't then I wouldn't waste anyone 's time because I explained I had not had a check to go to my home in 7months because of my expense. She got XXXX and escalated my account for no reason ( Please Request Copy Of Phone Calls I made they will detail everything ) So I was upset and I left a XXXX review and the owner responded to contact XXXX XXXX so I did contact her and she told me if I made the payment my truck would not be in repo status. So I made the full payment and then every payment I was facing repo because of this XXXX lady. But I started to notice no money was going towards my vehicles they would take my money and put them towards late charges so after 20months of payments and a XXXX downpayment my truck balance was still XXXX but the original amount was XXXX so please investigate this company and all the employees. I believe they are illegals within the structure of the company as well. This company is the definition of a predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX  XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report
Product: Mortgage

This is a second complaint being filed against the same company ; New Rez, for the same issue that they have still failed to resolve. The issue was originally opened XX/XX/XXXX and the original complaint filed XX/XX/XXXX. The original issue ID XXXX. 

I'm filing a new complaint because the only time during this process that New Rez actually responded to me in writing occurred as a result of the previous complaint. 

In the original complaint, the NewRez Mortgage company was requested to cancel my PMI ; however, responded by stating it would take 5-7 business days before they could evaluate the case and send out the proper paperwork to begin that process. 5-7 business days turned into 10, which turned into 20. It was around 20 business days that they finally responded by sending out the paperwork ; however, once I filled out the paperwork the same day they told me it would take an additional 5-7 business days for their 3rd party evaluation company to contact me regarding my XXXX so I could schedule the date for the assesser to come to my home. This occurred XX/XX/XXXX, as of XX/XX/XXXX, I have yet to be contacted by this XXXX Assesser. 

I contacted NewRez again on XX/XX/XXXX regarding this and one of their managers told me they misapplied my XXXX $ XXXX payment as a principal mortgage payment and that I would now have to wait an additional 5-7 business days for a response from that XXXX  company for that assessment to have my PMI removed. 

The deadlines with this company are consistently lied about and moved. 

All I want to do is cancel my PMI, which I should be more than eligible for based on the amount I still owe on the house vs. its estimated value. 

All this company needs to do is actually stick to a deadline it sets forth, but it has moved said deadline everytime. It has also, on many occassions, lied about sending out any correspondence to me whatsoever.
Product: Credit reporting or other personal consumer reports

Credit card and debit card were stolen while in XXXX, and use while I was away in XXXX XXXX didnt find out months later because we werent allowed to use any cellular device.. all my payments were put on auto
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX XXXX multiple certified letters disputing the inaccurate collection accounts by them on my credit reports dating back to XX/XX/2020. I sent another letter out XX/XX/2020. My previous letter in XX/XX/2020 and their response within 30 days failed to validate any current debts this company states i owe. They are using illegal stalling tactics. They sent me an itemized list of the alleged charges they claim i owe but this does not meet the Federal trade Commisions guidlines of what constitues proper debt validation. There are 2 collection accounts stating a debt of {$1000.00} and {$610.00}. 

They are in direct violation and I am ready to file a small claims court suit if this does not get resolved quickly and the unauthorized and illegal activity by them on my credit report isnt deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are showing inaccurate information on my credit file a XXXX XXXX auto loan, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and wellsfargo is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed incorrect accounts on my credit report, and I have no explanation for their presence. I check my report frequently, and this time, I came across discrepancies that hadnt appeared before. I tried refreshing the browser, thinking it might resolve the issue, but the inaccuracies remained. Therefore, I am asking for a thorough review of my submitted documents to ensure this matter is permanently resolved.
Product: Credit reporting

I disputed the account below with TransUnion and it was verified. 
XXXX XXXX I requested a reinvestigation. On XXXX, the TransUnion results stated, " New Information ''. 
There was no " new information ''. I have included a copy of the reporting account from XXXX 2016, and the " reinvestigation '' results from XXXX 2016, and the account is reporting the same information. 
On XXXX XXXX, 2016, I requested from TransUnion the method of investigation, since clearly there was no new information. This request was received by TransUnion on XXXX XXXX, 2016. 
As of XX/XX/2016, I have had no response from TransUnion. As per the FCRA, the 15 days has expired. 
On XX/XX/2016, I sent a letter to TransUnion stating the time limit has expired and the account must be deleted from my credit report. TransUnion did not reply and the account is still reporting. 
Since TransUnion obviously did not contact XXXX XXXX and can not give me any information on this account, or even prove it is mine, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
Product: Vehicle loan or lease

I turned in the XXXX XXXX XXXX under miles and in solid condition. I scheduled the handover with the dealership and the representative looked over the car. I made the payment due and was due for 2 more payments which they told me would be billed. I received a condition report the {$220.00} total was due at {$110.00} each tire. I received a letter dated XX/XX/XXXX, stating this is not a bill, but {$1800.00} was total. Another letter dated XX/XX/XXXX was sent out stating how they calculated what is owned as follows : " we used the proceeds from the sale to determine what amount, if any, you still owe us. '' But the amount was the same as in XX/XX/XXXX letter which was not a bill. I have contested the amounts due as I am being charged for tires that were returned with adequate tread. They forwarded a picture which purports to be of tires, after they claim they sold it and you can't even see anything to document that it is even a tire. I sent in check for 2 months and they return check saying couldn't identify even though name, address and 4 last numbers of lease were included. I have resent a check for the 2 months with complete lease number around XX/XX/XXXX and to date do not see it processed. They have told me 2 different ways of determining what I owe but the amount stays the same. Over the phone they said they sold the car but can not produce the bill to show what proceeds were received. I disputed the amounts due back in XX/XX/XXXX. I dispute that the tires were worn as they detailed, they were returned with adequate tread.
Product: Credit reporting or other personal consumer reports

I need your help with an incorrect account listed on my credit report. This matter has negatively impacted my reputation, and I require your assistance. Your mishandling of my credit information has caused significant distress, and the inaccurate reporting has damaged my standing. Please remove these errors so I can live peacefully with my family.