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

Dear Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit report, I have discovered numerous unauthorized hard inquiries listed. These inquiries are negatively impacting my credit profile and may affect my ability to access credit opportunities in the future. 

Below is a list of the unauthorized hard inquiries along with their respective inquiry dates and the addresses of the companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of the companies listed above to access my credit information for these inquiries. As such, I request the immediate removal of all unauthorized hard inquiries from my credit report. If these unauthorized hard inquiries are not promptly removed from my credit report, you must fulfill your obligation to cover 50 % of the upfront costs associated with any arbitration proceedings, as specified in our agreement. 

These inaccuracies and unauthorized inquiries are affecting my creditworthiness and are not a true reflection of my financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct these errors promptly. I have enclosed copies of relevant documentation to support my dispute. 

Please conduct a thorough investigation into the disputed information and remove the unauthorized hard inquiries from my credit report. It is crucial that the accuracy and integrity of my credit history are maintained to ensure fair access to credit opportunities and financial benefits. 

Please provide me with a written response within the timeframe stipulated by the FCRA, typically 30 days, regarding the outcome of your investigation. 

Additionally, I request that you inform all relevant parties involved in the reporting of the disputed information about the corrections made to my credit report. 

Thank you for your cooperation and adherence to the legal obligations outlined in the FCRA. I trust that you will handle this matter with the utmost professionalism and efficiency. 

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

Transunion intentionally reinserted a previous deleted item : XXXX XXXX  and associates back to my credit report without giving 5 days written notice as required by law. A violation of FCRA rules.
Product: Credit card or prepaid card

I am attaching a description of what happened in a nutshell it an attachment, as the actual time dealing with this and dragging paperwork out over and over has made it difficult to locate all of my notes etc dealing with this. They refused to take care of fraudulent charges on my account while using the excuse that they did not get information from me. I can not provide what I do not know about a company that has put charges on my card in which I did not authorize. They repeatedly made calls including " robo '' call day and night from XXXX aboutXXXX on my cell phone. They refused to stop up request. After acknowledging fraud they still did not deal with the situations and they continued to try to collect.
Product: Credit reporting or other personal consumer reports

It has come to my attention, the BANK, has transfer an account to XXXX XXXX XXXX immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Bank account or service

Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 United States Code 1681a ( XXXX ) You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 United States Code 1681a ( XXXX ). You did not exercise your grave responsibility, you were unfair, you were partial. I am filing a CFPB complaint, and shortly I'll be filing an Attorney General complaint. You never had a permissible purpose Under 1681b ( XXXX ). I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I was impacted by the data breach and my credit scores have suffered.
Product: Vehicle loan or lease

The Company claims I did not complete my loan and it reposed even thoughI paid them money and got the car back. It is raising my fees on other credit. It's not right. I Us XXXX veteran and I just need them to fix their error costing me thousands of dollars.
Product: Vehicle loan or lease

I am writing to express my deep concern and frustration regarding a lease agreement I have with American Honda Financial Corp. for a XXXX Honda XXXX. As a long-standing and loyal customer of Honda vehicles , I have always valued the quality of their products and services. However, I find myself in an unprecedented and untenable situation that requires urgent attention and resolution. 

In late XXXX, my parked vehicle, the XXXX Honda XXXX, was unfortunately side-swiped, resulting in significant damage to the passenger side-view mirror and its assembly. Despite my diligent efforts to procure the necessary replacement part, I have been informed that it is currently backordered with no definite timeline for availability. This has left my vehicle with an expired safety inspection sticker, as I am unable to pass the inspection due to the broken mirror, posing a significant safety concern. 

I have reached out to Honda Corporate Office in an attempt to expedite the procurement process for the replacement part. However, after placing an order, which was subsequently canceled without my knowledge, I was informed that the part may not be available until midXXXX, with no guarantee of timely delivery. 

In light of these circumstances, I contacted XXXXmerican Honda Financial Corp. to explore the possibility of returning the leased vehicle and having the remainder of my lease payments waived, considering that I can not safely drive the vehicle due to the unresolved issue. Regrettably, I was only offered a two-month deferment on my lease payments, which does not address the fundamental issue at hand. 

I am deeply troubled by the prospect of being penalized for a situation that is beyond my control. The suggestion of an early lease termination fee of nearly {$4000.00}, in addition to the balance of the lease agreement, is both unjust and unreasonable. As a responsible consumer, I believe it is imperative to seek a fair and equitable resolution to this matter. 

I implore you to intervene on my behalf and advocate for a solution that allows for the timely return of the vehicle without incurring undue financial burdens. I trust that your agency will prioritize consumer protection and ensure that my rights as a customer are upheld. 

I've attached email documentation with my attempts to resolve the matter and proof of the ordered part. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to Experian and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX XXXXXXXX unauthorized reversal of my payments without notice to me, as well as XXXX XXXXXXXX XXXX failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information Experian and XXXX used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXXXXXX XXXX fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information and that of my wife was divulged as part of the XX/XX/2017 Equifax breach. I confirmed our data was included on Equifax 's web site at https : //www.equifaxsecurity2017.com/.
Product: Debt collection

I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been complaining to Equifax for over a year about errors on my credit file. I submitted a request for verification method dated XX/XX/XXXX mailed to equifax onXX/XX/XXXX was received by equifax on XX/XX/XXXX stamped by XXXX XXXX under certification # XXXX XXXX. The company failed to respond to my request instead sending me a new letter showing my complaints were verified as correct. These items public record XXXX filed XX/XX/XXXX at U. S. Bankruptcy court XXXX, Wi. & Public record XXXX dated XX/XX/XXXX at U. S. Bankruptcy court XXXX wi..To date XX/XX/XXXX I have not received a response to my request. I contacted XXXX & was told they had not supplied any information to Equifax. I also contacted the U. S. Bankruptcy Court see attached, who advised that they had not submitted any data to Equifax and they do not place data on any credit files. Equifax continues to sidetrack my request for information for the Method of Verification in violation of the FCRA guidelines. Accordingly FCRA guidelines required the information be supplied to me within 15 days. Equifax is in clear violation of FCRA rules and guidelines. I am requesting the company immediately be held in violation for failure to follow FCRA guidelines. Equifax should immediately remove any incorrect data from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to request the removal of several accounts that are not mine and have been fraudulently reported under my credit profile. As a survivor of human trafficking, my identity and personal information were compromised, resulting in the unauthorized opening and reporting of these accounts. The following accounts do not belong to me : XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX - Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 1. **15 U.S.C. 1681 Section 602 ( a ) ** I have a right to privacy and protection from inaccurate reporting of accounts that do not pertain to me. 2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** Consumer reporting agencies are prohibited from furnishing accounts without my written consent. I have attached documentation to support my dispute, including a personal statement regarding my trafficking situation and any additional records, if necessary, to facilitate your review. Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide updates on the resolution process.
Product: Bank account or service

Time and time again I told Wellsfargo that I do not wish to Opt into their overdraft protection plan, but yet and still I am being charged overdraft fees. As I call and tell them that I have never opt in they say I see that but still I have been charged over {$500.00} in overdraft fees. For XX/XX/XXXX I was charged {$980.00} and in XX/XX/XXXX thus far I was charged {$280.00} in overdraft fees, in which I opted out of.
Product: Checking or savings account

My IRA funds were moved from TCF bank to Huntington National Bank due to some type of merger or acquisition. First our funds were to be available after XX/XX/XXXX, then after calling they said it was XX/XX/XXXX for IRA 's. After that time I set up web access. 
I have used the Huntington website, which was not helpful. It states that statements are not available for my type of account. NO IRA Statements are provided. I do not leave near a branch. As in one phone call the person on the line started to say I had to go to a branch, but there are no branches in my area. 
I have called the bank more than 10 times. Most times never getting through. Leaving call back numbers was not working as I am at appointments and calls all day. I have tried to call at night, before 8. 
The one time I spoke to someone I thought was helpful named XXXX on XX/XX/XXXX, I thought I was successful. This was on XX/XX/XXXX under confirmation number XXXX. He told me he would get a statement out to me. None came. 
Today, XX/XX/XXXX I used the call back feature early in the morning. I was called back, waited 9 minutes for someone to pick up, then spoke with XXXX. I explained my frustration, he put me on hold and then 31 minutes later disconnected me. I had asked to speak to a supervisor because I did not want to hang up until I could obtain a statement. The IRA institution that I wish to roll the funds from Huntington into requires a statement from the current bank. This is common practice for all transfers. They will not complete a successful phone call, their online services are not adequate to handle IRA 's and I feel they are trying to keep my funds against my wishes. I tried to use screen shots of my account with my new Financial institution but they could not use that. Thank you for any help that can be provided. XXXX XXXX My phone number is XXXX. 
XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the removal of an account that was deleted from my XXXX report but remains on my XXXX and TransUnion reports. The account in question is CXXXX XXXX Despite XXXX  removal of this account on XX/XX/year>, it continues to appear inaccurately on both XXXX and TransUnion. 

I have already contacted these bureaus directly without resolution. This is a clear reporting error, and I insist that it be corrected immediately. I am requesting your intervention to ensure this account is removed from both XXXX and TransUnion. 

Attached are copies of my reports from XXXX and TransUnion showing the issue, as well as documentation from XXXX confirming the accounts removal. 

Please take prompt action and confirm once the matter is resolved
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, we called our previous car insurance company XXXX to start a claim for windshield replacement on my XXXX XXXX XXXX XXXX due to a rock chip that expanded. The work was to be done by XXXX. We ended up not going thru with the claim/window replacement as XXXX was not able to do the work due to computer codes for the windshield that only XXXX would have. We subsequently were shopping around for new car insurance when we found out about this claim still on our record- we explained to XXXX ( our new car insurance ) that we never went thru with the claim, they directed us to Lexis Nexis Risk Solutions to dispute this. XXXX relayed this affected our car insurance rate. We did dispute this with Lexis, Lexis indicated they could not corroborate the claim, where we then indicated they had 30 days to remove this claim from our record. This claim is still on our record. In a call to XXXX, they are able to corroborate that the claim was never processed. Ask : Please have Lexis remove this inaccurate claim from our record. 

On XXXX, Lexis responded to both the CFPB and myself that it tried to contact me on XXXX to verify my identity. This is not true. I have today provided my drivers license and a bill in response to Lexis ' XXXX letter. I HAVE AGAIN REQUESTED THAT THEY DELETE THE INACCURATE AUTO CLAIM FROM MY RECORD, AS THEY ARE REQUIRED TO DO SHOULD THEY BE UNABLE TO VERIFY THE INFORMATION, WITHIN 30 DAYS.
Product: Debt collection

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

Notice of Dispute I.C. System, Inc. is a third party debt collector, and you are illegally attempting to collect an alleged debt in the amount of {$1500.00}. 

Pursuant to 15 USC 1692g ( b ) I am demanding I.C. System, Inc provide the name and address of the original creditor, and cease collection of this alleged debt. 

Pursuant to 15 USC 1692f ( 1 ) I am demanding I.C. System, Inc provide the authorized agreement between myself and I.C. System, Inc that created this alleged debt in the amount of {$1500.00}. 

Failure to provide any and all information is a violation of the FDCPA. Which will make I.C. Systems Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k. 

I.C. Systems, Inc has 1 day to respond to this CFPB complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding an ongoing issue with my personal information on their platform. Despite multiple attempts to resolve the matter directly with Equifax, my concerns have been consistently ignored, resulting in the reporting of incorrect and inaccurate information. 

Specifically, my complaint pertains to the following issue : XXXX. Incorrect Social Security Number : Equifax is reporting an incorrect Social Security number under my profile on myequifax.com. This erroneous information has led to further inaccuracies in the reporting of my personal data. 

Despite my best efforts to address this matter with Equifax through their online dispute resolution process, the problem remains unresolved. I have provided all necessary documentation and evidence to support my claim, but it seems that my concerns are being consistently disregarded. 

Given the gravity of this situation and the potential impact it may have on my credit standing and financial reputation, I kindly request the involvement of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter. 

I believe that the following laws and regulations are relevant to my specific situation : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies, such as Equifax, to ensure accuracy and fairness in the information they report. Equifax 's failure to correct the inaccurate reporting of my Social Security number violates the FCRA. 
2. CFPB Guidelines : The CFPB has issued guidelines for credit reporting agencies to handle consumer disputes promptly and adequately. Equifax 's continuous disregard for my attempts to resolve this issue is in violation of these guidelines. 

I have attached copies of the relevant documents, including my communications with Equifax, that validate my efforts to correct this problem. I request that the CFPB thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my Equifax profile. 

Also the accounts reporting on my consumer report are fraudulent. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this matter within the required time frame. I trust that the CFPB will advocate for consumers ' rights and work towards a fair resolution. 

Thank you for your attention to this serious matter. I look forward to a swift resolution to safeguard the accuracy of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 15 years ago I took out a HELOC with Webster Bank. Since then I filed XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we filed XXXX  XXXX.