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

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!
Product: Mortgage

Firstly, this is late Friday on a holiday weekend, so all that was left to me to " work things out '' was to use the message portal, which will not be seen until probably, Wednesday, XX/XX/XXXX at the earliest. ( Email stated two business days to reply, ) A vague message was on my account in XXXX, possibly earlier, about escrow review. The first indication of my having an overage was by US mail. I used the message portal to inquire if " the check went out the door '' then heard nothing for two weeks. In the meanwhile, I received a paper check for the overage and a new monthly payment amount. After receiving the check, I figured I had already received my answer, it did go out the door, and then made plans for depositing. I have no car, so I use bank by mail with XXXXXXXX XXXX. I promptly mailed them the check, which has yet to be credited, and with the holiday coming up, used my money to effectuate a prompt principal payment, and wait on the check to reimburse myself. 

Without consulting me, I learned late on Friday of a holiday weekend, they voided the check without consideration of sticking me with a potential bank fee or that I needed the funds to cover other bills for the month. They also failed to check to see if the escrow funds, via a self-loan, had been used to apply to the principal. It was so late, they had closed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally respond to XXXX  recent update regarding my complaint. XXXX has falsely claimed in their CFPB response that multiple disputed items are " not currently reporting '' on my credit file. However, upon reviewing my most recent credit report ( dated XX/XX/year> ), these same fraudulent and disputed accounts remain on my file. This discrepancy constitutes willful misrepresentation and deceptive practices under the Fair Credit Reporting Act ( FCRA ) 616 & 617, as XXXX knowingly provided false information to a regulatory agency. 
Key Violations by XXXX : XXXX. Failure to Block Fraudulent Accounts & Inquiries ( XXXX, XXXX XXXX. XXXX ) * XXXX has failed to permanently block accounts and inquiries that I identified as fraudulent, despite providing : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card , Utility Bill ) * Instead, they remove and then reinsert these items, which is a direct violation of the law. 
2. Deceptive Reporting to CFPB vs. Actual Credit Report ( 616, 617 ) * XXXX reported to the CFPB that the following items are not on my credit report, yet my latest credit report dated XX/XX/year> proves otherwise : * XXXX XXXX  ( Charge-off ) Still reporting * XXXX XXXX XXXX XXXX XXXX ) Still reporting * XXXX XXXX XXXX ( Reinserted Charge-off ) Still reporting * XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still reporting * XXXX  false claims about these items not being on my report reflect a pattern of deceptive conduct and an attempt to mislead regulators. 
3. Unlawful Reinsertion of Previously Deleted Accounts ( 611 ( a ) ( 5 ) ( B ) ) * XXXX previously removed XXXX XXXX XXXX from my report but has since reinserted it without proper notification and certification from the furnisher, violating : * FCRA 611 ( a ) ( 5 ) ( B ) Mandates that consumers be notified within XXXX business days when a previously deleted item is reinserted. 
4. Refusal to Remove Inaccurate Personal Information ( 609, 610 ) * XXXX has refused to update or remove outdated/fraudulent phone numbers and addresses on my report, making me vulnerable to further identity theft. 
Resolution Demanded : * Immediate and permanent removal of the fraudulent accounts and inquiries listed above. 
* Full compliance with FCRA 605B Block all fraudulent accounts and prevent further reporting. 
* A written explanation of the reinsertion process used to place removed accounts back on my credit file. 
* Monetary compensation for damages incurred due to XXXX negligent and deceptive practices, including statutory damages under FCRA 616 ( {$1000.00} per violation ) and actual damages for financial and reputational harm. 
XXXX actions are in clear violation of federal law and have caused significant financial hardship and emotional distress. I urge the CFPB to take immediate enforcement action against XXXX to ensure compliance with consumer protection laws. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

They keep cold calling me everytime I am late on a payment. They don't even let the month end before they report theate payment to the credit bureau and start harassing you about the month you are late and the following months payment. Your due date is the XXXX of each month, your payments is {$35.00} a month if you are late meaning any day past the XXXX they tell you owe {$70.00} which is amount of the current month you are still in and the next month. The customer service representatives are so rude they just say " is the so and so well you owe money how are you going to pay? '' They don't even give you a chance to explain why you were late only by week and a half. Then they try to force you to pay the current months balance and next months balance. They shouldn't be allowed to harass consumers this way especially for {$35.00}.
Product: Debt collection

The Online Collections agency did not send me any notices until I put in a change of address from a former address after my XX/XX/XXXX XXXX stay. Online only has ever informed me ( in writing ) that the group they represent is XXXX XXXX XXXX of California. Upon receiving their Notice in early XXXX, I disputed. I researched with the XXXX XXXX XXXX XXXX my records from the date of Service being claimed by this collection agency. There was and is no record of the physician group online says they are collecting for. I called online more than once and sent them a letter asking them to please provide me the billing office information so that I may obtain the proper ICD 9 and CPT codes to submit the bill to my insurance. 

The hospitals providing services has contracts with preferred providers which require that they obtain the proper patient and billing information from the hospital 's billing office. The doctor performing services submitted his billing to his COMPANY, not my insurance and further billed me as a self-pay patient. I was in a coma and unable to speak for myself ; the patient advocate clearly remembered my case and hospital stay and has been very helpful in bringing me to the beginning of a resolution. 

1. Online collections knowingly provided false information for the doctor group initiating the claim. This agent used the fact that I wanted insurance to pay as my " refusal to pay '' the amount owed. 
2. Online collections is billing for the incorrect amount due. The patient advocate for the hospital helped me find the true provider that matched the hospital contract for physicians at the time and was able to verify that XXXX, XXXX phone XXXX is the billing service for the physician seeking payment. Further more as of XX/XX/XXXX XXXX is in receipt of my insurance billing information and will submit a proper bill to be paid. 
3. Because the physician performing services submitted an initial incorrect bill and there were no billing protocols prior to collection attempting to collect followed I find this matter to be improperly placed in collection services and therefore fraudulently affecting my credit. The amount of the original billing is incorrect and so the collection matter should be removed at this time.
Product: Credit reporting or other personal consumer reports

A representative @ this company named Americor has left a voicemail message on my cellphone and also on my husbands cellphone stating if my husband ELECTS to take a HARDSHIP DEBT DEBT RELIEF PLAN, from them on the debts my husband owe in his name ONLY, that being lusted as an Authorized User on some of my credit cards WILL NOT IMPACT MY CREDIT/FICO SCORES AT ALL. 

This is NOT HOW BEING AN Authorized User on an credit card works, EVER. When these representatives provide information it is imperative & absolutely Necessary that they provide 100 % FULLY ACCURATE INFORMATION. 

I have the voicemails on my cellphone & my husbands cellphone AVAILABLE UPON REQUEST.
Product: Credit reporting or other personal consumer reports

My name is XXXX, XXXX XXXX. I am sole heir and beneficiary to the legal name XXXX XXXX XXXX. On behalf of my estate a trust relationship has been expressed on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the trust name is XXXX XXXX XXXX XXXXXXXX LIVING TRUST to which all property, rights, titles, and interest has been conveyed to said TRUST. I am notifying CFPB within this complaint that XXXX XXXX XXXX  XXXX XXXX ( closed ) has committed identity theft by using my information to report to the Credit Reporting Agency EQUIFAX. As beneficiary to XXXX XXXX XXXX XXXX LIVING TRUST and as heir to XXXX XXXX XXXX XXXX, I have all priority beneficial rights, titles, and interest in all property/assets in anytime pertaining to and including names and account ( s ) information with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is in breach of their fiduciary duty by causing harm to my trust and estate by sharing incorrect, inaccurate, false and misleading representation of information without my expressed consent. This is a violation of Trust Law and principles of equity are also being violated against me as authorized agent/representative for XXXX XXXX. I need for XXXX XXXX XXXX  XXXX XXXX to provide their authority to share any of my privacy information regarding any alleged debt or accounts. How they came up with the alleged debt balance to report to Equifax? Failure to respond to this complaint will lead me to believe that XXXX XXXX XXXX  XXXX XXXX has used aggravated identity theft to furnish my information to EQUIFAX, XXXX, and XXXX. Please take note and be aware of their compliance to [ 18 USC 894 ] and [ 18 USC1028A ] this is in reference to this company and any of its representatives committing identity theft or crimes against my Estate and Trust name and all property held in trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00}
Product: Credit reporting or other personal consumer reports

These company are reporting inaccurate information on my credit file. According to the law us code 1681b and us code 1681 a ) and ( b ) the information are reporting wrong and need the information to be deleted immediately. The problem have not been fix. It's showing late payment that's not right and also it showing no late payment wow the account are closed this is inaccurate information. Please delete and remove. How Is it showing different late payment for 30 60 or 90days. Please delete
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification?

I request for the third time that you provide the method of verification you used. Your response should provide :
Product: Checking or savings account

Since XX/XX/XXXX I have sent hundreds of requests to NorthLane XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they perpetually approve payments made with my account to XXXX XXXX XXXX XXXX XXXX so that I can continue my studies in this institution. every semester term I write to NorthLane in advance and ask to sort this issue and approve my payments, I send email messages and make long distance calls to them, and every time they decline my payments. I usually have to go through XXXX to XXXX weeks of messages and calls on a daily basis before they approve a payment, and yet again next semester term I have to go through the same problem. 

Recently, on XX/XX/XXXX, I wrote to NorthLane and placed the same request, but it is now XX/XX/XXXX and I still can not make the payment of my XXXX XXXX because NorthLane continues declining my payments. I am facing the possibility to loose my chances to enter classes this semester because classes started on Monday XX/XX/XXXX, which means my first study week passed and I can not attend my classes, and I only have XXXX or XXXX more days to pay for my studies before course payments are closed. If such thing happens, I will have to wait XXXX year, until XXXX, to be able to attempt to pay for my courses because the courses I want to take only take place from XXXX to XXXX. 

I only received a message from NorthLane this week on Tuesday, XX/XX/XXXX after I wrote to then again on XXXX XXXX XXXX  early in the morning. IN their message they say to try and make my payment after XXXX minutes or XXXX hours from having received that message. However, my payments continue to be declined and I am running out of time to pay for my courses and I already missed XXXX week of classes. 

I have continued to write to NorthLane and even called them, but they have not replied to my messages and have hung up my calls. If you check user comments about NorthLane, you will see this is a key feature of NorthLane, they ignore their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In the past TIAA Bank allowed customers to provide instructions as to what to do with matured CDs prior to the maturity date of the CD. Customers could provide in advance, for example, that the funds from the maturing CD should be sent to the customer. TIAA Bank recently sent a letter to its customers stating : [ W ] e will undergo a system change that will require you to call us after your CD has matured and is within the 10-day grace period that follows your maturity date in order to provide CD maturity instructions. That means we will no longer be able to accept maturity instructions in advance of your CD 's grace period or honor any previously provided instructions that you may have selected for your CD in our online account self-service tool. 
*** In other words, TIAA Bank wants to make it harder for me and other TIAA Bank customers. It wants to ignore prior instructions and instead insist I and other customers make a particular decision in a specified time frame. This ignores real life issues and the prior ability to make decisions prior to maturity. To me, it just seems like the bank wants most customers to forfeit the opportunity to make a decision.
Product: Debt collection

Company opened up debt in my name without authorization, I called company to verify but they refused. It is being reported on my credit account. I was a student on campus at the time and submitted my enrollment verification to prove i lived on campus. The company has changed the location of the account multiple times and refuse to remove.
Product: Debt collection

I am writing this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft. I demand that you remove the items listed to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given this information to you, please correct my file or I shall proceed with getting my attorney involved!
Product: Credit reporting or other personal consumer reports

ON XXXX I FILED A FTC REPORT NUMBER XXXX ; ALSO WITH THE CFPB. THE ACCOUNT CAME BACK AS VERIFIED. HOWEVER VALIDATION OF THISDEBT WAS NOT PROVIDED AS REQIRED BY 15 USC 1692g VALIDATION OF DEBT. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report from the federal trade commission with a fraudulent account and fraudulent inquiries
Product: Mortgage

I called AAG XXXX XXXX, in XX/XX/2022. I ask basic questions about what i needed to qualify, since my property was inherited. XXXX XXXX was my XXXX XXXX XXXX XXXX. This guy handled NC, and should have been familiar enough with the requirements, before i spent a bunch of money preparing them for the loan. When my info finallly went to their Title company, XXXX XXXX came back in mid XXXX and told me i would need a Letter of Testamentary. Had i known this, i would never have pursued the loan, because my brother is executor and would not get this. I had to force him to even file the will. 

My main problem, is XXXX XXXX should have known that the Title company would need more info.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late paymententry on an account where I have always maintained timely payments. The account in question is UPLIFT/XXXX XXXX XXXX Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, you are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress For these violations.
Product: Credit card or prepaid card

Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. 

I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. 

I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. 

This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. 

I'm very upset at this terrible behavior first by BBVA and now PNC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe Fair Collections and outsourcing for the debt that they are reporting on my credit report. This account shows as open on my credit report. I did not sign any contract with them. I am asking that this be deleted off my credit report.