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

I am writing to lodge a formal complaint against XXXX XXXX regarding their handling of my loan account. Despite my payments being up to date, including any applicable late charges that were assessed and subsequently paid in full, XXXX XXXX  has inaccurately changed the payment status of my loan over XXXX times between XXXX and XXXX of 2022. This has resulted in significant and unwarranted damage to my credit report and score, which is extremely distressing and unfair.

The bank has repeatedly altered the payment status of my account, fluctuating between XXXX, XXXX, and XXXX  days late, then back to XXXX  days late, without any valid reason. Such practices are not only misleading and harmful to me as a consumer but also reflect a serious lapse in XXXX XXXX XXXX  responsibility and accountability in managing their customers ' loan accounts. 

I demand immediate correction of my loan account status to reflect its actual current standing, which is fully up to date. Furthermore, I request that XXXX XXXX  take immediate steps to rectify the inaccuracies reported to the credit bureaus, ensuring that my credit report is corrected to accurately reflect the true status of my loan payments. 

I believe these actions by XXXX XXXX  could be indicative of predatory lending practices, causing unnecessary financial and emotional distress to their customers. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and investigate these matters promptly. It is critical to hold financial institutions accountable for their actions and ensure they adhere to fair and transparent practices.

I am prepared to provide any additional information or documentation as required to support my case. I am seeking the CFPB 's assistance to rectify this situation and prevent further harm to my financial wellbeing.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

upon checking my credit I discovered the inquiries, I have no knowledge of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in my TransUnion credit file that its reporting that I had credit card with XXXX department store amount past due {$970.00} which I found to be inaccurate and it needs to come out of my credit file as other two credit monitoring companies did. I contacted XXXX they said they are responsible for TransUnion inaccurate information. I seek attorney advice she wants me to go through with CFPB first as this should have not being reporting in my credit file up to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect information of a XXXX XXXX  past due payment that was incorrect. There was payments made and was current. As well as the XXXX XXXX XXXX that is in effect until XX/XX/XXXX of this XXXX
Product: Vehicle loan or lease

On XXXX XXXX applied for financing from Chrysler capital was given a preapproval letter for XXXX. After sitting in the dealership for hours the salesman came back and told me that I needed to put down XXXX for the vehicle. I had a trade in and after talking to another dealership the company cut my financing in half. I am XXXX veteran and this was extremely humiliating and embarrassing to my wife and myself.
Product: Credit reporting or other personal consumer reports

I

am disputing several unauthorized hard inquiries on my credit report and requesting removal due to lack of permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my explicit consent or knowledge, and none of the entities provided contact information to allow me to verify their permissible purpose directly. The inquiries in question are as follows : 1. Factual Data Consume Inquiry Date : XX/XX/XXXX Category : Miscellaneous Reporting Agencies Issue : No permissible purpose or contact information provided. 
2. XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
3. XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 

I reviewed my credit report on XX/XX/XXXX, and identified these hard inquiries. I have not applied for credit or authorized inquiries from these entities. Under the FCRA, creditors must provide evidence of my explicit consent or a legitimate permissible purpose to access my credit file. No such documentation has been provided, and the absence of contact information further prevents me from verifying their claims. 

Actions Taken 1. Reviewed my credit report on XX/XX/XXXX, and noted unauthorized hard inquiries. 
2. Attempted to locate contact information for the above entities but was unable to. 
3. Verified that I did not initiate or authorize any transactions with these entities.
Product: Mortgage

I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get Equifax, XXXX and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  # XXXX Amount : {$2300.00} Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Checking or savings account

discirmination and told XXXX people are poor and frozen bank account and causing hackers to commit identity theft for my identity caused my life insurance policy to lap freezing my account for auto pays
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEB
TS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding False Reporting and Failure to Provide Investigation Details Dear Equifax Dispute Department, I am writing to formally dispute the continued reporting of certain accounts on my credit file that you previously informed the Consumer Financial Protection Bureau ( CFPB COMPLAINT NUMBER XXXX ) were deleted and permanently blocked. Despite these assurances, these accounts are still appearing on my Equifax credit report, which is both misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Furthermore, Equifax has failed to provide me with the specifics of your investigation into these accounts, which is a violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax is required to provide consumers with the results of reinvestigations, including the sources of information and reasons for any determinations made. By failing to do so, Equifax is in direct violation of federal law. 

I demand the immediate removal of these accounts from my credit file, along with a detailed explanation of the investigation that Equifax conducted. If Equifax does not rectify this issue promptly, I am prepared to escalate this matter further by filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also considering legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your compliance with this request within 30 days, as required by law. I expect full transparency regarding this matter and the immediate deletion of the above-listed accounts if they were indeed removed and permanently blocked as previously stated. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed INQUIRY : XXXX XXXX Inquiry Date XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I had a car loan opened XX/XX/XXXX with XXXX XXXX and paid off in XX/XX/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks.
Product: Bank account or service

In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.
Product: Debt collection

I get nonstop calls from different numbers everyday from the true accord debt collectors for over a year now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent hospital bill for XXXX $ on my credit report. XXXX immediately corrected it. I've submitted several disputes to Equifax and when they email me a link to login and review the result, I'm required to fill out a questionnaire about my credit report to verify my identity. Not even 1 of the 4 questions have any accurate information regarding my true credit report. I've attempted this 10 times already. The collection company is XXXX XXXX XXXX XXXX. I asked them to send me a copy of the bill. The bill doesn't show any services received or reason for the charge. I did attempt to go to the hospital on the date of the bill. But I only went as far to sign in. Once I learned It would be more than an 8 hour wait, I immediately left.
Product: Consumer Loan

On XXXX/XXXX/16, I received my initial auto loan statement from TD Auto Finance, in which the payment was due on XXXX/XXXX/16. After receiving and reviewing the statement, I went online to www.tdautofinance.com to set up automatic payments. I opted to have my checking account drafted for the payment amount due each month. I also set up e-statements in order to forgo receiving paper statements every month. The process went smoothly and the first payment was processed with no issues or problems. 

However, on XXXX/XXXX/16, I discovered after signing into my auto loan account through the TD Auto Finance website that I was unable to view my online e-statement for any of my XXXX statements generated thus far. As a result, I decided to call a TD Auto Finance customer service representative to find out why I was unable to access my statement details. After inquiring, the customer service representative informed me that monthly statements are discontinued ( both paper and e-statements ) because of signing up for automatic payment deductions. According to the customer service representative, this has always been a practice at TD Auto Finance. 

Another concern I discovered and brought to the customer service representative was regarding how TD Auto Finance applies additional auto loan payments. There is no option under auto payment for consumers to make a payment for more than the minimum payment due, if the consumer elects to do so. If the consumer elects to make an additional payment to his/her account, then the consumer must make a separate one-time payment. On XXXX/XXXX/16, I elected to make an additional payment of {$30.00} to my auto loan separately from my minimum auto loan payment. Therefore, XXXX separate transactions took place. As a result, I wanted the additional payment of {$30.00} to be applied towards my outstanding principal balance. However, in viewing my account online, it was determined it was not applied towards the principle balance. The payment was applied towards interest, which in turn, lowered the next month 's minimum monthly balance due. On XXXX/XXXX/16, after inquiring with the customer service representative, she confirmed that any additional payments made are not automatically applied to the remaining outstanding principal balance. The representative further stated that if I wanted additional payments applied towards the principle balance then I have to call a representative or send a secure message through the website each time. I made it clear to the customer service representative that I wanted the additional payment I made on XXXX XXXX, 2016 for {$30.00} reallocated towards the outstanding principal balance. I also requested a statement to reflect the payment reallocation. 

My concerns noted above appear to be potential violations of law under Regulations E & Z and warrants further investigation. Please note that I conducted a XXXX search titled " TD Auto Finance consumer complaints '' and I have found a slew of complaints pertaining to issues with TD Auto Finance 's poor billing and payment allocation practices. As a result, the issues noted above appear to be systemic issues.
Product: Debt collection

I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman.
Product: Debt collection

Debt Collector, " AARGON AGENCY INC, '' posted {$97000.00} Open balance, opened XX/XX/2020 Original creditor " XXXX XXXX. '' Debt Collector, " AARGON AGENCY INC, '' has failed to validate in timely manner ; and has failed to provide XXXX with " proof of contract. '' XXXX XXXX requests that XXXX be instructed to stop reporting the above information without showing debt was validated by written proof of contract. 
Thank you
Product: Debt collection

Southwest Recovery Services FRADULENTLY REPORTED A ACCOUNT TO XXXX WHICH IS AFFECTING MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them. I have submitted 2 claim already with the CFPB ( XXXX,XXXX, and this still hasn't been resolved. I specially asked to be provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. To this date no documentation has been provided.