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

The company XXXX XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a XXXX party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit card or prepaid card

I received an offer from Bank of America through my app where I was advertised that if I opened a credit card with them, I would get a {$200.00} bonus, I only had to sign up online to get the reward. After a few months I noticed I didnt receive the bonus and read the fine lines and saw that I had done everything to receive the bonus, which was consume {$1000.00} in a timespan of 3 months. I called the company and said that they would look into it and I would receive a card with a response and all I got was a card that said that my card did not have that offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : 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
Product: Checking or savings account

I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX XXXX / XXXX. # : XXXX/ XXXX. {$1300.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT XXXX XXXX XXXX ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS 1. XXXX XXXX reporting to TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving 2. XXXX Reporting to TransUnion, XXXX XXXX XXXX Account # : XXXX 3. XXXXXXXX XXXX XXXX  Reporting to TransUnion XXXX XXXX & XXXX Account XXXX : XXXX 4 XXXX XXXX Reporting to TransUnion, XXXX XXXX XXXX Account XXXX XXXX XXXX 5. XXXX XXXX TransUnion XXXX XXXX Account # : XXXX 6. XXXX Reporting to TransUnion XXXX XXXX XXXX Account # : XXXX 7. XXXX TransUnion XXXX XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX XXXX Account XXXX XXXX
Product: Checking or savings account

On XX/XX/year> they move transactions around to cause you to over draft. There are XXXX of customers complaining of missing money. They charge you for the same transaction multiple times. Today it cost me XXXX dollars. Something is going on at Regions nation wide. I have heard many complaints from other people for the same thing.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint bring to the " CFPB '' a critical matter concerning my credit report. As a consumer relying on accurate credit information, I was dismayed to discover that Experian failed to notify me regarding reinstated information that was previously deleted from my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to timely and accurate information on their credit reports. It has come to my attention that certain information that was initially deleted from my credit report has been reinstated without any prior notification from Experian. 
This lack of notification not only violates the provisions set forth by the FCRA but also hinders my ability to monitor and understand the information being reported on my credit profile. Transparency and communication are paramount in matters concerning credit reporting, and the failure to notify me of such reinstated information has caused undue confusion and concern. 
I am request that Experian promptly rectify this situation by providing me with detailed information regarding the reinstated data on my credit report. Additionally, I urge Experian to ensure that such oversights do not occur in the future, and that proper notification procedures are strictly adhered to in accordance with the FCRA guidelines. 
Furthermore, I have already submitted an " IDENTITY THEFT REPORT '' with documentation showing that XXXX XXXX XXXX XXXX XXXX XXXX when the fraud occurred... 
PLEASE SEE ALL DOCUMENTS.
Product: Mortgage

On XX/XX/XXXX I notified Freedom Mortgage that I was starting a new job on XX/XX/XXXX. I requested a little leniency ( No late charges & permission to make partial payments ) to re-establish my budget. While on this call, I made a partial payment of half of the mortgage amount with the next payment following XX/XX/XXXX hire, pending first paycheck. 

I was told that I was being provided a freeze, allowing me to make partial payments and no late fees until pending being up to date by XX/XX/XXXX. 

In XXXX, Freedom Mortgage reported a default late payment to my credit report as well as my co-signer. Our credit worthiness declined XXXX points. 

When I asked Freedom Mortgage the reasoning for this action against me, they stated they would conduct an investigation because there was a freeze on my account. Leading me to believe there had been an error. After a week of investigating. they instated that the freeze on my account did not cover negative reporting. They said I should have asked for a forebearance. This was something that shouldve been offered, but wasnt. My consistent payment history was not considered nor the effect of the negative reporting on my financial record with the credit bureaus affecting my credit worthiness and credibility. 

The negative reporting has tarnished my credit report as well as my co-signers excellent credit worthiness, plummeting both scores by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I received a letter from XXXX XXXX denying an application for an auto loan dated XX/XX/XXXX. We had already been approved for a low interest loan through another lender and the deal was previously completed. However, this letter stated that XXXX XXXX could not approve us for an auto loan because of our credit scores from 1 of the 2 sources they had checked. The XXXX Credit Reporting agency stated our scores were XXXX and XXXX, but another credit reporting agency by the name of XXXX XXXX XXXX, stated that our Credit scores were only XXXX and XXXX. First of all, I had never heard of XXXX XXXX XXXX! Where did this agency suddenly appear from? I was told it was previously XXXX XXXX. I called the phone number for XXXX but was only able to leave a short message, but have not heard back from them. The reason XXXX gave us such low scores was " limited history for consumer at address and phone number. '' They have limited information because they have not been around long enough! I am very familiar with the 3 major reporting agencies that have been around for decades ( XXXX, XXXX and XXXX ) but this new agency has no business giving out credit scores based on their limited access to credit information!! I have read many complaints on this agency making consumers unable to qualify for loans or low or no interest rate promos because of their low credit scoring reporting that is not at all close to the other 3 main reporting agencies. I do n't know if this is some sort of scam to drive up the interest rates companies can charge, but I am requesting XXXX be investigated and that their scores can not affect the borrowing powers of consumers.
Product: Student loan

Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is the only bureau reporting on this account ; XXXX and XXXX are missing. 

They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as LVNV FUNDING
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.
Product: Money transfer, virtual currency, or money service

On XX/XX/2015 I made a withdrawal from a XXXX XXXX  ATM in XXXX XXXX XXXX XXXX, XXXX. I withdrew XXXX VND using my Chase Bank debit card which at the time was equivalent to {$95.00} USD. After checking the withdrawal amount out of my Chase checking account I saw that Chase had debited my account well over {$200.00} USD. I immediately contacted the XXXX XXXX  and they were very helpful and sent me a receipt of the ATM transaction. I filed an investigation with Chase Bank and was told the only option that I had was to cancel my debit card which was impossible for me to do at the time. They told me that I would not be receiving a refund for the correct amount. I advised them that I had a receipt of the transaction and I believe I was told they didn't even want to see it. I believe that Chase bank made a gross error in the exchange rate as the amount I was debited compared to the amount received from the ATM. In fact, the amount debited was not even possible to be requested by the ATM as it would have been over the limit for that ATM withdrawal.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( XXXX XX/XX/XXXX ) ( Experian XX/XX/XXXX ) and ( XXXX XX/XX/XXXX ). According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

DEBT COLLECTION COMPANY : CONTRACT CALLERS INC ACCOUNT # : XXXX I SENT YOU A LETTER ON XX/XX/year> YOU HAVE NOT SHOWN ME PROPER PROCEDURES THAT YOU DID A REAL INVESTIGATION YOU JUST SAID THIS ITEM WAS VERIFIED HOW IS IT VERIFIED WHEN THE COLLECTION COMPANY HAS NOT VALIDATED OR VERIFIED THIS INFORMATION WITH ME ALSO I WANT THE ITEM DELETED IMMEDIATELY YOU ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING IAM REQUESTING IMMEDIATE DELETION OF ALL PRIOR REPORTING MADE TO ANY CONSUMER AGENCIES XXXX, XXXX, XXXX, XXXX.YOU MUST CEASE COLLECTION EFFORTS UNTIL THIS ALLEGED DEBT ID VALIDATED. YOU MUST SHOW PROOF THAT YOU LEGALLY OWN THIS DEBT AND THAT IT IS ACCURATE AND COMPLETE. SINCE YOU HAVE NOT PROVIDED THE PROPER PROCEDURES OF A REAL INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY MY NAME XXXX XXXX XXXX XXXX MY DOB XXXX MY ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Checking or savings account

XXXX XXXX {$12000.00} I mistakenly paid someone and we asked the bank to collect the money because we didnt not get the merchant we paid for. The bank refused to give us our money back. 
There are other funds that were submitted those were released but not this one
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody stole my identity and used my information And did application for BARCLAYS BANK DELAWARE this was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Checking or savings account

They know me real well at wells fargo. They tampered with my loan on a vehicle if I could find a lawyer I would prove the harm they caused my family and I. I even had one call from the " office of the president '' to tell me they were not there to help me. They wanted the rest of the money. Also over $ XXXX I. Overdraft and nsf charges that you didn't give me back. That should have never been charged for XXXX transactions. How they held my wife 's insurance check not just in our account, the manager at the office in XXXX ga held it hostage for 10 days. This is not made up. These people tried to ruin our family. All XXXX of us. And XXXX are small children. All of this happened between XX/XX/XXXX and XX/XX/XXXX. When they finally repossessed a brand new XXXX XXXXXXXX lemon. That was broke down in another state for the third time. And still expect us to pay, and we don't even have the vehicle or any of our persons items that were inside the vehicle when it broke down on me in XXXX. It's still on my c re edit report and my wife 's grandfathers and for what, Wells fargo. Also, I just really wish I had the means to afford an attorney to listen to what all you've guys did to us. You know Wells fargo. Wells Fargo owes our family something if it's just a clean slate.
Product: Debt collection

I took a online payday loan from XXXX XXXX XXXX on XX/XX/2017 in the amount of {$850.00} I paid this loan off in full. XXXX XXXX contacted me three days ago and advised me that National Credit Adjusters has added this to my credit file in the amount of {$1900.00}. I have every bank statement with every payment that was direct debt from my checking account. I paid {$360.00} XX/XX/2017 and XX/XX/2017 by direct debt. I paid {$360.00} on XX/XX/2017, XX/XX/2017 and XX/XX/2017 by in clearing check. I paid a total of {$1800.00} for this payday loan. I want this company to take this off of my credit file immediately. Please help Thank you
Product: Consumer Loan

how many days are in billing cycle ending XXXX/XXXX/17 exact number please and how many from XXXX 2017 exact number please
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach.

15USC 1681
Product: Credit reporting or other personal consumer reports

I recently review a copy of my Early Warning Services report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain banking relationships, for myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX  -- - IDENTITY THEFT UNAUTHORIZED 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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.