23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX. My clients ( Buyers ), who are personally my friends for over 20 years went to RP Funding to get a pre-approval letter for a home mortgage loan. The person who assisted them, XXXX XXXX asked them if they had a Realtor. They answered yes. This lady crossed the line and told them that if they used one of their Realtors they could save money and they will pay their closing costs. They felt their back against the wall and of course when people don't know they thought it was a great deal. My buyers were ready to put an offer on a property they liked. My friend called me to tell me what happened and said that they ended up putting the offer with the other Realtor. This incident happened between Wednesday afternoon and Thursday. I spoke to my friend on Friday and found out their offer got accepted. I am shocked, everything happened so fast. I still can't believe how this lady stole my client. Who would want to refer a client to RP Funding after this? The Realtor representing this transaction is XXXX XXXX. The agent who showed the property is XXXX a guy from XXXX and XXXX XXXX ( loan officer ) is the lady who spoke to my clients. RP Funding, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am unaware of them, and the company proceeded without obtaining my consent.
Product: Debt collection

XXXX called at XXXX XXXX saying only following- '' my Name is XXXX call me back as soon as possible at XXXX XXXX XXXX XXXX XXXX regarding personal business. 
No other information. I looked number up and says is a debt collector
Product: Credit card or prepaid card

Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said they did not know why but it looked like my XXXX payment had not gone through. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I still have this account and had plenty of money in the account at the time. Capital one could not give me a reason why the payment did not go through. I called XXXX XXXX to see what happened on my banks end. They said it was capital ones fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my XXXX  XXXX time to see what I qualified for. But instead they ran my credit XXXX times with multiple banks. This reflects on my XXXX, XXXX and Transunion reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with XXXX inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and Transunion reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was XXXX XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of 27 inquiries when i only own 2 vehicles. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I got a letter in the mail for a Civil Action Information Subpoena, and I mailed back the questions they requested. On top of the letter it states that " Failure to Comply with this information subpoena may result in your arrest and incarceration '' It is for XXXXXXXX XXXX their attorney sent this letter. I called my Superior court to get information on this and spoke with someone there about it. They told me a Judgment has already been filed and i never submitted a answer to the court and they already entered it against me. I never got any letters from the attorney saying they were going to take legal action and I was never physically served any paper work or signed any certified letters. I never got anything saying I had a court date and never received a complaint or anything telling me to file a answer with the court. I would have filed an answer if I was sent the correct documents stating I needed to. They are saying they are going to garnish my wages. The account was charged off and I have not since heard or received anything regarding it. I also wanted documentation showing my agreement and that I owe this debt so I will be requesting a debt validation letter. Also it states that I owe {$2300.00} plus costs of which {$2500.00} together with interest from XX/XX/2018. I am unsure how I owe more money on debt that was charged off, and my account is closed. I was never notified of having to pay any Judgement and was never told there would be added interest.
Product: Credit card or prepaid card

I was having issues with my current Amex card and received an offer for a new one. I did not realize it was an upgraded card. I was a customer for over 20 years. 

When I called Amex wanting to actually upgrade my card, I was told I wasn't eligible for new customer offers, so I requested to cancel. Support agent stated I would forfeit existing offers. I asked him which ones and he stated cash back. 

I received a reversal of {$150.00} credit that I didn't know I had previously received. I checked my email and the terms of 1 year were at the very bottom and similar gray color of the background. 

When I called to question the charge, I was told it would be investigated, but was required to zero out my balance or face credit ding. When I called back 2 months later, I was informed the issue was closed with no notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease from Kia motors finance and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called Kia finance, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, Kia changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX  which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called capital one late in XXXX  about this matter and was assured this would be handled as I do not have any new credit cards with them.
Product: Debt collection

We were served with a law suit from XXXX and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.
Product: Credit reporting

XXXX put a collection on for a 10 year old XXXX bill that I do NOT owe. I challenged the collection through Experian which is the only reporting agency showing the collection. XXXX sent me a letter asking for more information so they can help me with the dispute, which clearly shows they do NOT have the information needed to verify the debt to the reporting agencies. XXXX never responded to Experian, however Experian left the account on without updating, showing that the account is in dispute, it has no payment history or correct information as required by the FCRA to report on my credit. Experian is obviously allowing the miss-reporting and XXXX is blatantly using my credit report as a collection tool for a debt that is not owed. This is causing my credit score to be XXXX points lower than the others and keeping me from getting the approval for a home loan. I implore your help with getting this matter resolved in a quick manner. I am having the same issue with Enhanced Recovery as well regarding a XXXX XXXX collection for equipment that was returned long ago. Once again I disputed the account through Experian and they did not update or were they able to meet the FCRA requirements to be on my report and they are violating my rights as a consumer. Once again I ask that you help me with this matter. I have complete faith that you will get this resolved for me. I have attached the dispute results from Experian. Lastly XXXX, again is only being allowed to continue its erroneous reporting on Experian. They have not responded nor updated since XX/XX/XXXX and I have disputed the paid in full account 3 times in writing by certified mail with Experian and still they have not updated or removed the account. I have asked them to validate their verification of the debt and they have ignored my request and only send the same response that ignores my legal request as a consumer. They are obviously disregarding the law and your authority by doing this, as well as my credit reporting rights. Thank you in advance for your time in handling this matter.
Product: Bank account or service

I Bank with Chase I have banked with them for over 15years. Every few months they hold transactions and charge insufficient fund fees. I have mobile banking so im am constantly looking at my account. Ihave some payments that come directly out of my account so I know what time and when they will be drafted. I also have direct deposit. So I know when the bills should be drafted. After speaking with a rude customer rep. They informed me that you only get XXXX reversals a year and I had reached my limit. After having this same issue early in the year.. JP Morgan Chase like every other Bank are taking advantage of customers. It showed on my end that my drafts had cleared, Then on the next day I get insuffcient fund fees. No one has hundreds of dollars to give to large banks that are ripping people off. If I was writing bad checks then I deserve it. But im a poor working class woman, and the XXXX gentleman that I spoke with could careless, their main concern was putting money back in to the banks pockets. This is a scam they do every month to everyone. When you have to account for every dollar you know how much goes out and what comes in. JP Morgan Chase needs to be investigated for over charging and illegal activity.
Product: Mortgage

Company is : PNC Bank Tax/Escrow Department XXXX XXXX XXXX XXXX Ohio XXXXXXXX This PNC Bank sent me a letter XX/XX/2024 stating my taxes to pay will be {$3000.00} and the Previous Tax Year I Paid {$3000.00} the difference is {$37.00} Increase! 
However, they are charging me a Projected Shortage of {$320.00} to pay in with my Mortage over 12 months at {$26.00}... This is a fictitious and made up charge. I am filing this complaint against having to pay this amount and I would like PNC Bank to Cease from using Escrow to pay my Property Taxes... I bid to pay my property taxes apart from the PNC Bank Mortgage Loan, so I can control such outrageous charges ...! I ask for another Escrow Analysis still haven't seen it. I also got the {$2000.00} Tax Credit both years, so I don't know what type of analysis they base this shortage from, I am being fraudulently taking advantage of through hidden fees under the Escrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Violation of Consumer Reporting Laws by Equifax Dear Sir/Madam, I am writing to formally complain about Equifaxs practices regarding consumer reporting, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws.

It has come to my attention that Equifax has reported information that pertains to my capacity, character, general reputation, personal characteristics, and mode of living without adhering to the permissible uses defined under 15 U.S. Code 1681b. Specifically, I am concerned about the reporting of transaction histories that do not comply with the stipulated guidelines.

According to the FCRA, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances. One such condition is outlined in Section 1681b ( 2 ), which states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. It is my belief that Equifax has failed to obtain my consent in this regard, thereby violating my rights as a consumer.

Furthermore, the regulations clearly specify that reports containing information solely pertaining to transactions or experiences between the consumer and the reporting agency should not be disclosed without appropriate consent. The reporting of such transaction history without my explicit authorization is not only unjust but also illegal.

I urge both the CFPB and the FTC to investigate this matter thoroughly and take appropriate action against Equifax for these violations. Consumer protection is paramount, and it is essential that agencies like Equifax adhere to the laws designed to safeguard individuals ' rights. 

Thank you for your attention to this serious issue. I look forward to your prompt response regarding the actions that will be taken. 

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

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to Ally in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Product: Debt collection

I have a mystery debt from XXXX XXXX XXXX XXXX  that is in collections. I havent spoken to anyone to confirm the debt and if there was a medical bill it would have been covered under XXXX XXXX XXXX XXXX ( XXXX ) as all other medical bills were during that time. They are actually breaking the law by trying to collect this debt.
Product: Credit reporting or other personal consumer reports

XXXX has published and provided information to the credit reporting agencies stating that I have a XXXX XXXX  and XXXX bankruptcy on my file from XX/XX/XXXX and XX/XX/XXXX respectively. They stated they received this information from the courts. This is incorrect and Im asking that it is removed immediately as this is a violation of my rights. I have a letter from the bankruptcy court stating that they did not report this information to XXXX or any other credit agency.
Product: Debt collection

Failed to provide validation of the debt. I make no claim to this debt. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal information, delete accounts violating the FCRA and delete the unauthorized inquiries
Product: Checking or savings account

On XX/XX/17 a deposit in the amount of {$900.00} was made using my Mobil App. Right after I made the deposit I received an email from Capital One 360 letting me know that the Mobil deposit that I made was a fraudulent transaction and they will close my account. When I made the Mobil deposit my account had a negative balance of {$37.00}, the negative balance was cleared once the deposit was made, when I called the number displayed in the email they told me that once the amount cleared they have to wait until the check returns as a NFS and then they will proceed to close the account. I have called capital one almost every day to find a solution and answers to my questions, however every representative that I speak to tells me since this is a capital one 360 account their assistance is limited, they tells me that only a security department can assist me, but I ca n't speak directly with a representative I 'm transfer to a machine where I have to leave a voicemail with my information, which I do but I NEVER get a call back. When I ask fo the phone number so I can call directly the answer is that they can not provide me with their phone number.It has being three months and the funds still are in the account, the check has n't returned as NFS not only the funds are in the account but it is earning it 's monthly interest and on top of all my college funds were direct deposit in to the account and I ca n't have access to those funds either. I 'm very troubled with this situation, I 'm a student and a part time employee that trusted a financial institution to conduct my simple finances and without further explanation one day I 'm told that my account is restricted and I do n't have access to my funds.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization by XXXX XXXX and DOGE. 

The family educational rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breech and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said the account was verified but didn't say how account charged off as profit lost
Product: Debt collection

I recently pulled my credit and notice XXXX XXXX XXXX is reporting a balance of {$1100.00}. I've sent four letters to this company asking to verify this debt. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital agreement with my signature. I have not received anything but a print out of a balance they claim I owe. I am a twin and they mix our files up at the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and Transunion ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.