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

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed XXXX unauthorized inquiries had been made
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Dear Equifax While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX, XXXX ) XXXX. ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX
Product: Credit card or prepaid card

Card : XXXX ( store ) by Comenity Bank. 

On XXXX XX/XX/2020 I made my final payment of {$780.00}, my balance was effectively XXXX, then on XXXX XXXX I received an email stating that my payment of {$14.00} was due. This card is purported as having no fee, so disappointed I attempted on the XXXX in the morning at XXXX XXXX to contact them and have them explain the charge, the lady I spoke with, I believe XXXX, said it was a " finance charge for being late on my last payment '' which I was not. I asked her to remove the charge and she was not willing, so I asked her to close my account, she stated that she did. 

On XXXX XX/XX/2020 ( today ) I went back online to verify my account had been closed, it had not, and not only was it NOT closed but it had yet another {$14.00} balance that was due on the XXXX of XXXX, so I attempted to make a payment online to that amount and their system would not let me, it claimed I already had a pending payment for that amount, which I did not understand, I did not set that up. 

At this point I was becoming afraid that I had no power over what was going on, so I XXXX what to do and followed the advice of calling the number on the back of the card, using their automated voice menu system I directed the computer lady to close my account, which it confirmed that it had done, then it proceeded to ask me " Do you want a confirmation letter faxed to you? '' and I said no, I want it mailed to me, and the voice says " sorry I'm having trouble understanding you '' Their system will NOT send that confirmation letter by email or mail only a fax, I'm sorry, who has fax machines today? 

Bottom line, if they manage to get that other {$14.00} from me then they owe me {$29.00}. 

This type of treatment should be illegal.
Product: Vehicle loan or lease

My car was down XXXX of 2023 and was in need of a brand new engine I explained this to credit acceptance and instead of lowering payments they increased payments and harassing phone calls after the car was fixed I made a large payment and it was still reposed and I was charged twice the amount to get it out to the place who reposed car and themselves.
Product: Money transfer, virtual currency, or money service

I have had accounts with bank for years. I had a premium checking account that all of a sudden was being charged monthly fees for because I couldn't maintain a certain balance that had not been a previous requirement. So PNC bank change my checking account to standard checking account with no fees however they then started charging me {$10.00} monthly service charge for my money market account because I dont maintain a certain balance or have a large enough auto monthly deposit. Neither of which were original terms. Can they just arbitrarily change agreement terms?
Product: Mortgage

Greetings, A monetary transfer was made from the saving account to second mortgage internally at Bank of America on or about XXXX, said bank has acknowledge a reduction in savings total.. 

The monies transferred the transferred are not reflected or credited to the mortgage balance. 

I am looking to resolve the issue as to why the monies are not reflected on the mortgage statement and why I can not contact anyone at said bank. Numerous attempts have been which include in person at the local branch, phone calls and electronic media. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo, according to the attached document, provides different level of service to consumers based on the type of the phone service that consumers receive. 

From the attached letter it is clear that Wells Fargo requires customers to subscribe to expensive telephone service in order to receive certain credit card services from Wells Fargo. There is no information neither on Wells Fargo website, nor in the attached letter, nor in any of the Wells Fargo marketing materials, what type of telephone service and from which companies the customers must have in order to receive all services from Wells Fargo credit card advertised to the public. 

There are classes of consumers that for various reasons, such as living in a specific geographic areas, who can not obtain telephone services from companies that Wells Fargo had partnered with. The Wells Fargo policy has desperate impact on those classes.
Product: Credit card

Portfolio Recovery Associates recently started calling me stating that I owed {$760.00} and {$900.00}. This debt was paid off in XXXX of 2010. The card was destroyed. 

I have sent numerous certified letters to Portfolio asking the following : The date the card was used The amount of charges made on the card since the last known zero balance ( XXXX 2010 ) A complete transcript of the activity of the card since then. 
The amount of the debt when it was obtained, and how much interest has been added since then. 

They always fail to provide me with this information, and instead send me an identity theft affidavit and a list on corporate letterhead of the balance I owe, principal and collection costs. Nothing providing existence of the debt owed, as I have asked. They tell me that they do n't have statements to prove when and how purchases were made. They told me that it absolutely, without a doubt, 100 % had to be my debt because my name and address is on the account. I know that I am entitled to the information i am requesting under the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX I spoke with GM Financial Customer Service and a customer service supervisor who was able to note my account and approve to reverse the late reporting for XX/XX/XXXX in XX/XX/XXXX this was a huge step as I have disputed this for over a year I was told this would be resolved in 45 days or less I was also told I would receive a letter in the mail showing the corrections. I have sent emails and called GM Financial to only find myself holding on the line for two or more hours and then get hung up on by customer service and collections. when requesting a supervisor I am told someone would call me back and that never happens furthermore when I call in for status no one knows what I'm talking about and I have to talk to 10 people for the tenth person to finally read the notes and see where it has been documented that my credit would be reversed. however I would need to wait yet another week or two and I have although this is a violation the Federal Credit Reporting Act. I have a statement from GM clearly showing XX/XX/XXXX was in deferment their records would also show this I'm not sure why this would be so complicated. I have also provided the XXXX statement showing that my payment was late but never 30 days late this information is their own records. If only someone would simply read what I am providing there is nothing hard about this discrepancy. GM responses received are redundant they simply remind me of my contract terms and list what they are currently reporting late which is incorrect this is bad Business this is bad record-keeping and when you report incorrectly to all 3 bureaus this can be devastating 2 a customers such as myself this is my final attempt The Next Step will be the Federal Trade Commission who implement Credit Reporting Act guidelines which are very clear additionally there should be no late reporting on my account XXXX are errors XXXX lates were due to XXXX. 
I'm simply asking in your response to provide me your Executives contact not your supervisor I think this is very important to have someone review how long I've endured these discrepancies in the lack of effort to correct them and shouldn't go to legal action the amount of cost for something so small
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$360.00} XXXX  XXXX  XXXX  XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( Transunion ) XXXX. XXXX, XXXX {$150.00}
Product: Mortgage

{$17000.00} of principle only payments not applied. Fraudulently stated they have not received XXXX and XXXX payments although my bank stated the checks has been received by MM and cashed. I have reached out to MM gave them dates, check numbers and dollar amounts sent. This is a criminal company that need to be investigated. XXXX XXXX XXXX XXXX  has hundreds of complaints similar to mine. There is no online email address to inquire about issues, which I assume so that they can avoid a paper trail and deny that they received anything just like they have for my payments. I will only supply additional information upon their request.
Product: Mortgage

Early XXXX of this year, XXXX, we wanted to be qualified for a loan to purchase a home. I asked the home builder of their preferred lender. They gave me the information below : XXXX XXXX XXXX XXXX XXXX NMLS ID XXXX Direct XXXX Fax XXXX XXXX At the beginning he was responsive to our questions and concerns. But as time went by, couple of weeks, he started not returning my emails of phone calls. I called to set up a time to talk, but he would skip the phone appointments and come up with an excuse. By mid-XXXX of XXXX, it became clear to me he was avoiding all contact with us, and hoping we would just go away if he did not answer my phone calls and emails to him. Once we sent in copies of our driver 's licenses, he ceased all communications with us. We have the financial wherewithal to meet and exceed our monthly mortgage payments. I see no other explanation of his discrimination but for the fact of our skin color.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 with my written instructions.
Product: Debt collection

I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have filed three previous complaints to get my First National Bankof Omaha Credit card account reopened. Again, I was never told I could not reopen my account after bringing it current, which it has been for some months.

I encountered this same scenario with another credit card company and they did the right thing and reopened my account once I brought it current.

I was given the option to reapply for a credit card but was turned down for economic reasons caused by the pandemic. That leaves my no alternative.

Because FNBO has offered no viable resolution re the righteous use of my credit, this causes by unfair duress, I can no longer continue to make payment.

I will fight any arttempt to charge off this account and will fight this with all means possible.

It is up to FNBO to find some reasonable solution.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Consumer Loan

They 're ripping people OFF!! 18 % interest total for car {$25000.00} and change. I will be paying {$41000.00} after 6 years. Did n't really know what I was doing, I wanted to get a car on my own and I got qualify through them but after I figure out everything, I realize they were ripping me off and it was already too late. These people have no common sense and something has to be done.
Product: Money transfer, virtual currency, or money service

I was scammed trying to buy tickets to a XXXX XXXX concert over social media. I informed the Bank of America of the scam promptly that day ( XX/XX/XXXX ) and filled out the claim form over phone with an associate. The claim was for three XXXX transfers totaling to {$300.00}. I was told I would hear an update within 10 business days but no such update was given. Additionally, I am aware that the funds are at least supposed to be provisionally credited to me within 10 days, which did not happen as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whomsoever it may concern, this is in reference to your most resent response for the alleged debt on XX/XX/2022. 

according to 15 USC 1692a, congressional findings or declaration of purpose, you hereby informed that as a result of your fraudulent practices with the intention to cause harm, i have suffered mentally as well as financially. 

your company and its agents harassed me for a alleged debt that was not even validated. your company shared statements as well as a consumer contract as evidence of the debt. but as per the judgment in the case of pacific concrete F.C.U v. Kaunanoe a copy of a consumer contract is not sufficient evidence of a debt. 

Notice : please give me the full accounting of the debt how much you paid for the debt. 
produce a contact with me and you that shows i have business to be even speaking with you. 
cease all communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

Experian - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX XXXX XXXX {$690.00} XXXX XXXX  {$560.00}
Product: Checking or savings account

Bank of America began arbitrarily charging my account a $ XXXX maintenance fee in XXXX XXXX XXXX without any warning or notification. This account has been opened since XXXX and wasnt charged the {$25.00} fee before then. 

I was taken by surprise when I checked my account in XX/XX/XXXX when my balance was negative instead of {$93.00} which it had been in XXXXXXXX XXXX XXXX 

I reached out to Bank of America and after 1.5hrs, two of the 5 maintenance fees were returned. Bank of America refused to give me back the additional {$75.00} they stole from me, plus the person I spoke with refused to connect me with his manager or anyone else for additional help. XXXX, employee ID XXXX refused to even give me the name of his manager and stated that he doesnt know who his manager is. He also stated that his computer tells him what to do and not a single person within the company could manually return the money that they stole from me.
Product: Mortgage

My second mortgage was sold to LoanCare. After a leak in my home created considerable damage, I started receiving checks from XXXX to pay repairers. Checks were sent to LoanCare to endorse. When the amount reached {$20000.00}, LoanCare put numerous obstacles in our path - a variety of paperwork from numerous people, checks that had to be returned because they were made out to the wrong person etc. The final straw was a check made out to me and XXXX subcontractor ( I had to pay XXXX different contractors ). I must now send this check back once again without confidence that I 'll ever get the money. They are obviously a shady company considering all the complaints I read on the XXXX website. Ca n't anything be done?
Product: Bank account or service

The bank released 2 years of financial transaction and my account number to anparty not associated with my account. The bank then allowed a deposit from the same third party on a second incident again who is not associated with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I sent a document to Experian,  XXXX  requesting the verification of debt that they were reporting according to the Fair Credit Reporting Act. I requested copies of this verification . ( See document A ) Experian did delete some accounts but only stated that the rest were verified and   provided no copies of the verification.   I sent four more documents ( see documents B, C, D , E ) requ esting the verification of the debt along with copies of the verification ( Consumer contract ). These documents are dated  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Again, Experian only responded that they were verified but has refused up to this date to provide any documentation or copies of this verification. Experian sent me their method for verification without sending the verification.   I would also like to point out that in one account (  XXXX   XXXX   ) ( See  documents F, G, H, I ). Experian reported in their response  on  XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX  that the account meets requirement of the Fair Credit Reporting Act. Experian did not send me any verification at any time but in document ( I ) dated  XX/XX/XXXX  Experian stated the outcome of their investigation in response to my fourth request ( documen t D ) was  to delete the account. Experian stated in three previous responses that this account was verified and met requirements ( F, G, H ). How is that? I do not believe that Experian verified any of these accounts as they claim and they have refused to provide any original or copies of the debts that they are reporting.
Product: Debt collection

Caine & Weiner has place a derogatory remark on my credit report. They are collecting for : XXXX. I have no knowledge of this account and was never notified by mail or otherwise regarding this alleged account. I was never given the opportunity to either dispute or request validation of this debt, pursuant to the Fair Credit Reporting Act the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Which is my legal right as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the XXXX credit bureaus ( XXXX, Equifax and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and Equifax stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.