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

I have several inquiries on all three major credit bureaus that I did not authorize. On XX/XX/XXXX I contacted XXXX XXXX via phone to inquire about their requirements for financing a vehicle and specifically asked if a soft pull could be done just to see if it would be worth applying. The rep assured me that there would be no hit ( hard inquiry ) to my credit. I asked several times and was repeatedly told that there would be no hard inquiry. I then received notification alerts of several inquiries to my credit reports from them as well as a few other financial institutions that they sent my information to all without my consent and the rep blatantly lying to me. I contacted them to have the issue resolved and was told that they would not help me. 

On XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ) my daughter was shopping for a car at XXXX XXXX XXXX and asked about financing and was told she may need a co-signer. Again, I asked if a soft pull could be initiated just to see if it would be worth trying because I was sure that I would not qualify and did not want to have any more inquiries and again I was lied to and ended up receiving notifications from 8 financial institutions and I wasnt even present again at this dealership. They financed her without the need of a co-signer so I am confused as to why they lied about the soft pull and ran my credit without the need to. I contacted them and was offered nothing more than an apology. 

As I was looking at my report I noticed a couple other inquiries that I did not authorize and I have contacted the companies as well as the credit bureaus and they all have refused to remove them. The following inquires were made without my consent : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 States I have the right to privacy Section 6 0 4 States a consumer can not furnish an account without my written instructions under the 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Product: Credit reporting or other personal consumer reports

I have issue with this account, it is unrecognizable. Please investigate this account, and provide me with the results of the dispute. I have provided documents to support my claim, and verification documents to verify my identity.
Product: Debt collection

Allegedly Portfolio Recovery Associates claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.
Product: Money transfer, virtual currency, or money service

I recently opened account with Chime ( online banking ) and my first direct deposit was made on XX/XX/2021. On XX/XX/2021 I started following Chime on XXXX and a Chime agent contacted me by DM on XXXX about some kind of money award so I thought because they offers {$100.00} per any referral costumer so I opened the link and looked like Chime log in so I put my info name, email, passcode, SS # to get in it didnt get it so I sent this person an DM as soon I did it my whole money was stolen. She wasnt a Chime agent and the link wasnt legit. So now my SS has been exposed
Product: Checking or savings account

I lost access to my account funds as of Saturday XX/XX/23, and have received no way to remedy the situation since then. I have visited my local branch four times since this freeze of my account has occurred, and spoken to representatives via telephone at least a dozen times. Each person tells me a different version of events. It's unclear to me why this hold/freeze was imposed and when I can expect to have access to the funds in my account. 
To make things worse, at the time this all began, this was my only bank account. This is where I keep all of my money. I have XXXX  Social Security checks ( XXXX for myself and XXXX for each of my XXXX children ) that are to be directly deposited into this account in Wednesday XX/XX/. Were I to change the accounts to which those checks are deposited, the change would not go into effect until XXXX. I am a recent widow with XXXX XXXX children and no access to my own money.
Product: Mortgage

during the time this company was still assuming mtg servicing from XXXX, i called around end of XXXX or begin XXXX, and was told by one of their reps ( shellpoint ) that i had a grace period to make XXXX XXXX payment and that there would be no consequence if it was late, as it was taking them too long to transfer. Despite being told this, and the call being recorded ( supposedly ), my XXXX payment was reported 30 days late, and i have been unable to get them to correct, despite the facts and i having a case.
Product: Credit reporting or other personal consumer reports

I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXX XXXX XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help
Product: Credit reporting or other personal consumer reports

I HAVE A ACCOUNT ON MY CREDIT REPORT NATIONA CREDIT SYSTEM FOR A ACCOUNT THAT DOES NOT BELONG TO ME I DISPUTED THE INFORMATION XXXX AND XXXX KEEP SAYING ITS ACCURATE BUT WILL NOT PROVIDE PROOF I CONTACTED THE COLLECTION AGENCY THEY SAY THE ACCOUNT DOES NOT BELONG TO ME THAT IT WAS A JOINT ACCOUNT AND SOMEONE USED MY NAME I PUT A FRAUD ALERT ON MY ACCOUNT FILED A REPORT AND THEY STILL WONT REMOVE IT PROVIDE PROOF OF OWNERSHIP AND ITS BEEN OVER XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023
Product: Checking or savings account

I have an business checking account under XXXX XXXX XXXX, one of an issued check ( around {$2000.00} ) has been stolen and person who stole the check have it deposit at wells fargo branck which payee information is not match, I file forgery affidavit claim with police report thru XXXX XXXX XXXX towards well fargo, wells fargo fist said resolution time frame is form 90 to 180 days, XXXX XXXX has follow up with wells fargo every month and it show pending, it has been 180 days now, well fargo still didnt have any update regarding my claim. I dont know what can a customer do now. thank you for your help
Product: Checking or savings account

I deposited a cashier 's check that was made by XXXX on XX/XX/XXXX into my business 's checking account at XXXX Bank in XXXX XXXX PA, in person. The amount was over $ XXXX. In addition, to that same transaction I deposited $ XXXX in cash. After doing so XXXX Bank froze my WHOLE account, even the cash portion, claiming the reason was for the large amount on the cashier 's check. After disputing with them in person for two days they would only give me the cash portion when I came to the bank 's branch but would not remove the account freeze. On the 5th business day ( XX/XX/XXXX ) the said cashier 's check cleared but they still would not remove the account freeze, nor give me a reason for the continued account freeze. 

They have no legitimate reason for placing my account on hold for more than 2 business days ; in addition to violating 12 CFR 229.10 ( c ) ( 1 ) ( v ). Due to their arbitrary ( and now blatant ) actions they have in fact demostrated their discrimation against me for what I can only come to a conclusion of malice reasoning. As of XX/XX/XXXX my account is still frozen and causing me great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion and XXXX to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.
Product: Checking or savings account

On XX/XX/2023 I went inside the branch of PNC bank and sent a wire transfer to my daughter. Pnc tried to recall the funds and now are holding around {$8000.00} of my money. They opened an investigation since then and the person doing my investigation is XXXX XXXX. They have been saying they are trying to figure out where my funds came from and ect. I provided them documents and bank statements showing the funds belonged to me. Its been over 2 and a half month and they are still holding my money. When I speak to this women XXXX, she doesnt have a clear answer or explaination on why shes holding my funds. She keeps telling me she will wrap up the investigation and release my funds to me by check but she doesnt pick up her phone calls and overall at this point pnc bank is just holding onto my money without a clear answer or reason why.
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.
Product: Credit card

On XX/XX/year> XXXX XXXX from Kohl 's responded to my original complaint ( # XXXX ), however she grossly misunderstood my complaint. 

It appears she thinks my complaint is that I was not notified that I had a balance due, however the issue was not that I was not notified that I had a late payment, the issue is that I was that I was NOT NOTIFIED that a negative report would be made to my credit. 

According to the CFPG : " A debt collector MUST use at least one of the following ways to contact you about your debt BEFORE it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered '' NONE of these occurred. 

According to a statement from Consumer Attorneys ( XXXX XXXX XXXX/ ) : A federal law called the Fair Debt Collection Practices ACT ( FDCPA ), requires collection agencies to send WRITTEN NOTICE to debtors within five days of their very first contact with the debtor. The notice must include the amount of debt, the name the notice must include the amount of debt, the name of the creditor, and a notice that the recipient has the right to dispute the debt within 30 days. If a collection agency fails to send this notice to the debtor, they can face legal penalties. 

In my situation, a negative report was placed on my credit BEFORE I was ever contacted by Kohls. 

Due to these reasons, I am requesting the negative report be removed from my credit.
Product: Debt collection

On Thursday XX/XX/2024 at XXXX XXXX, I received a phone call from XXXX with a prerecorded message asking if I was XXXX XXXX. If so, I was to press option one. I proceeded with the instructions. An additional prerecorded message asked for me to return a call to XXXX. A representative answered, placed me on hold, then returned to the line but never identified the company I called or herself. I had to ask who I was speaking with and what company she was with before receiving the information. I am speaking with an unpleasant representative named XXXX that could definitely use additional training. She did give a short version of the mini XXXX. However, I do not recall her informing me the call was recorded. I was informed she was attempting to collect a medical debt owed to XXXX XXXX for around {$2500.00}. Mind you XXXX XXXX is a part of XXXXXXXX XXXX XXXX XXXXXXXX. I then asked XXXX if she is aware it is a violation of the FDCPA to attempt to collect a debt that is included in an active bankruptcy? Instead of notating the account accordingly and ending the call, she insisted on being argumentative so the issue did not get resolved. I did make an attempt to give her the case number not once but twice. I am highly disappointed at the lack of professionalism displayed by the representative with MSCB. In turn, I will follow up with my attorney to inquire about additional actions that can be taken against this company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collections account that has been negatively affecting my credit report and causing me undue stress. The collections account in question is identified as " XXXX XXXX XXXX XXXXXXXX, '' and I believe it has been erroneously reported on my credit report. I have taken steps to contact the credit bureaus in an attempt to rectify this situation, but the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX '' when I reviewed my credit report. To my astonishment, this account was negatively impacting my credit score, and I had no prior knowledge of its existence. The account in question has significantly affected my ability to secure favorable financing terms, obtain credit, and achieve my financial goals. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received adequate verification of the debt 's legitimacy, and the collections account continues to damage my creditworthiness unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

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

Experian keeps letting this collection account from XXXXXXXX XXXX  appear and reappear on my credit report even after submitting fraud documents time after time. This collection needs to be removed as it is fraudulent.
Product: Credit card or prepaid card

I used my card on to purchase hair from XXXX for XXXX with capital one upon receiving the merchandise I realized that the merchandise was not correct. I reached out to the sales rep letting her know my issue Mrs. XXXX on XX/XX/XXXX and she advised i send it back via usps but, covid had just begun and there wasn't a way to return for cheap. On XX/XX/XXXX Mrs. XXXX reached out to me and asked if i would place another order i told her no because, i still had to return the original merchandise. So she assured me and these are her exact words. " He said you can get closure only if you purchase more hair of lengths in between XXXX and minimum 30 bundles this is his deal and we talked about this. On XX/XX/XXXX she also stated and i quote That they will refund me once received their hair. I reached out XX/XX/XXXX to the representative and she keeps saying i need to reach out to the owner as well. I have contacted capital one multiple times in regards to returning this merchandise they instructed me to and they have yet to do anything I have paid interest on my credit card and been heavily inconvenienced because of this whole ordeal
Product: Mortgage

When we purchased our home in XX/XX/XXXX the lending company, XXXX XXXX, qualified us with a payment that only included property taxes on the unimproved land. The tax payment totaled about {$500.00} a year. The actual taxes on the improved land were about {$4500.00} a year. The difference in monthly payments was about {$350.00} per month which would have prevented us from being qualified due to the debt to income clause for FHA loans and also not to mention we could not afford a {$1400.00} payment at the time as we only had budgeted for {$1000.00}. 

Fast forward to XX/XX/XXXX when we received an escrow analysis letter. This stated our escrow account was negative {$4000.00} dollars and we had not been called or notified prior to this letter. The reason it was negative was due to the property tax bill being paid out of that account in XXXX for the proper amount of property taxes with the improved land, about {$4400.00}. The escrow account had been negative for over a year and we had not been notified as well as not seen the balance inside our online account with Pennymac.

I called Pennymac after this to see if there was anything that we could do to mitigate this issue and not end up having to pay a total of {$8000.00} which was combined the negative balance from XXXX and XXXX. The original options they gave me were to pay the total up front, then my mortgage would only rise to {$1300.00} or spread the {$8000.00} balance over 12 monthly payments added to my mortgage, which would have doubled the payment from {$1000.00} to {$2100.00}. We could not afford this. When I called, they offered to extend the {$8000.00} balance from 12 monthly payments to 36 monthly payments which would then put the payment at {$1600.00} per month. 

This is then where we are, with a payment that went up {$650.00} overnight that we can not afford long term. We are burning our savings doing this and working two jobs.  We could possibly lose our house because of predatory lending from XXXX XXXX  and oversight on Pennymac 's side.