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

Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against LexisNexis and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX LexisNexis Risk Solutions XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.
Product: Credit reporting or other personal consumer reports

I requested TransUnion to dispute accounts on the credit report and requested a reinvestigation on XX/XX/year> after reviewing my credit report on XX/XX/year> they did not remove the accounts. These account display inaccuracy with reporting underneath 15 USC 1681 ( i ) 5
Product: Credit reporting or other personal consumer reports

XXXX XXXX auto lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with XXXX, Equifax and XXXX as well as with XXXX XXXX, without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/2022, my general bank account was charged {$100.00} to pay for fees on the line of credit card associated with this account without my permission or authorization. This event overdrew the bank account and caused it to accumulate bank and finance charges. 

I never authorized Well Fargo bank or anyone from their offices to draw from my general bank account to pay for the monthly fees of the line of credit card in question. 

On the same day of XX/XX/2022, I spent nearly 4 hours trying to find out who, what, when, why, where was this authorization given and the bank personnel did not know alleging that I must have done it, which I never did.
Product: Debt collection

I was emailed by paypal because someone had recently charged back causing my paypal to go negative. This is very inconvenient because I am being falsely accused to pay money that I shouldn't be paying. I am wondering how this can be resolved because I shouldn't be having to pay {$490.00} due to someone having the ability to charge back and cause my paypal to go negative. The email regrading my paypal account is XXXX XXXX
Product: Mortgage

I was talking with my personal banker at PNC Bank in XXXXXXXX XXXX  about trying to resolve some personal debt, and she recommended a HELOC to consolidate my debt and pay off credit cards. everything we discussed was a {$320000.00} fixed rate HELOC with the only difference between it and a mortgage was that this wouldn't have an escrow account to pay my home owners insurance and property taxes, I would be responsible for that on my own. At the time I started and completed the application XXXX XXXX XXXX XXXX time frame ), I was told my fixed rate was LOCKED in at 4.28 % while we went through the entire process all the way to closing. It took 5-6 weeks to get to closing ( middle of XX/XX/2022 ) and the day before we closed, my loan officer from the PNC cooperate office called and told me the rate was 5.44 %. I called my personal banker at the PNC XXXX branch and told her it was different than what we had been discussing the entire time, but she went to her higher ups and got confirmation that the rate was locked in at 4.28 %. When we went to close, some forms said 4.28 % and some said 5.44 %, but my personal banker had gotten confirmation and we ( she, me, and the other PNC employee who was there at signing ) discussed that the rate was 4.28 % fixed rate. I signed and everything was good to go! My first statement even shows 4.28 % on the initial line of credit, but it shows the interest rate being at 5.44 %. Then the loan shows up on my account and is showing that I owed what would be 4.78 %, despite showing everything we had discussed with it being 4.28 % fixed rate. When I questioned the corporate office, they said that the " prime rate '' had increased between when I applied and when I closed ( even though I was notified and NONE of my paperwork said anything about 4.78 % ). After my first payment, I noticed that the payment amount was not 4.78 % interest, but actually 5.44 % interest. After much back and forth with my personal banker and the corporate office, they say I am stuck at 5.44 % even though there are call logs and all the paperwork showing between me and other PNC employees with us discussing that the rate is 4.28 % fixed rate. The local PNC bank has been extremely helpful and I feel that they are fighting to help me, but the corporate office is not being helpful or fair at all. My personal banker, the other PNC employee who was at signing, and myself were ALL under the impression that this was a 4.28 % fixed rate loan. If I were to keep this loan for the 30 years I would be paying an extra {$75000.00} because they took advantage of the situation. In the beginning, I was told this was 4.28 % fixed rate and it has changed twice without notice ( i have paperwork showing this ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX  XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report. Despite my persistent efforts, this marks my multiple attempts to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Since then, I have made multiple attempts to rectify this issue, yet the fraudulent items persist on my report, adversely affecting my creditworthiness and causing significant financial hardship. I urgently request for your intervention. It is crucial that these inaccuracies are thoroughly investigated and promptly removed from my credit report to restore the integrity of my financial standing. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Owed : {$590.00} XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance XXXX : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to flagship credit acceptance to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$280.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), XXXX XXXX XXXX XXXX XXXX, XXXX, Credit limit {$400.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$600.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I visited XXXX XXXX XXXX for a consultation regarding XXXX treatment. During this appointment, I was presented with a laser treatment plan costing {$2200.00}. As I could not afford this amount, XXXX informed me about an interest-free payment plan through CareCredit. She instructed me to sign documents related to this plan, assuring me that I had the right to cancel after the consultation. 
Following a brief XXXX minute laser free consultation treatment, I experienced a severe breakout, which led me to decide against proceeding with the treatment. I immediately contacted XXXX and requested to cancel any arrangements. She confirmed the cancellation.However, to my shock, I later received a notice from CareCredit stating that an account had been opened in my name whcih shocked me because XXXX claimed she didnt recieve anything and that it was canceled. THIS IS COMPLETELY FRAUD, IM REQUESTING PROOF OF SERVICE AND A CONTRACT WITH MY SIGNATURE.
Product: Vehicle loan or lease

I bought a second hand car on XX/XX/XXXX. I had the money to pay off the total loan and I was eager to receive the loan info to do that. 

I received a letter dated XXXX XXXX from Valley National Bank, quote : " We are writing to inform you that due to a bank error, we were unable to produce the first billing statement for your auto loan. Your first payment of {$700.00} was due on XX/XX/XXXX '' When I called their office, I was informed that I was being charged {$5.00} daily starting XX/XX/XXXX, I had over {$400.00} charged... They informed me that it takes them 45 days to process a car loan. 
I went to their XXXX branch and they told me they needed to investigate the complaint. When I wanted to give them a check for the amount of the car, they refused to take it until the complaint was investigated. I got a call back a week later... no solution. I pressed them to get at least a partial refund, they have not called me back. 

complaint : XXXX ) why 45 days to process a loan? this is not fair to the consumer since they are charging interest during all that time. 
XXXX ) if they failed to send me the statement on time, why is the customer expected to pay for their delay? 
XXXX ) when I tried to do a payment transfer from my bank, I discover that Valley National Bank only allows {$10000.00} payment for each month. I had to wait until the end of the month to pay another {$10000.00}. How is this possible? they are making it difficult for consumers to pay off the loan. 
XXXX ) I feel I was misled by the bank manager when she refused to take a check from me to pay part of the loan. I also think it is ludicrous that they take so long to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2015 Balance : {$0.00}
Product: Debt collection

I called Amsher Collection Services when I noticed this on my credit report. They said it had been sold to XXXX XXXX. This is fake debt and it is fraud.
Product: Student loan

The servicers in question are XXXX XXXX XXXX XXXX XXXX, XXXX, and Heartland ECSI. 

Loan servicers Heartland ECSI and XXXX have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal XXXX loan held by the XXXX  XXXX XXXX XXXX and serviced by Heartland ECSI, and selected GSMR as my servicer. 

On XX/XX/2020, I paid the XXXX loan serviced by Heartland ECSI in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, Heartland ECSI received a payoff from XXXX, thus meaning that I had a credit of {$6500.00}. The same day, Heartland transactions show a debit of that same amount, but with no details. A customer service agent claims that Heartland refunded the money back to XXXX. However, XXXX went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the XXXX loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called XXXX, and they know nothing about a refund from XXXX. Heartland claims they can not provide documentation to prove it was sent to XXXX, so XXXX will not give me my money back or look into it. Heartland has not sent me any official paid in full documentation or otherwise. Heartland has not provided any timeline or support in getting me documentation of this alleged transfer of money back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.