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

Penn Credit Crop and XXXX XXXX XXXX is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions Penn Credit Crop and XXXX XXXX XXXX was informed THE FOLLOWING account information being FURNISHED to Penn Credit Crop, and XXXX XXXX XXXX and reported by Penn Credit Crop and XXXX XXXX XXXX is in fact inaccurate and they continue to report. Penn Credit Crop and XXXX XXXX XXXX  is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, Penn Credit Crop and XXXX XXXX XXXX was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and XX/XX/2024 and XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance XXXX {$12000.00} ; XXXX XXXX XXXX Balance XXXX {$4800.00} ; XXXX XXXX XXXX Balance XXXX {$7100.00} ; XXXX XXXX XXXX Balance XXXX {$3600.00} ; XXXX XXXX XXXX Balance XXXX {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! 

I send XXXX a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. XXXX has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and XXXX obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. XXXX is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with XXXX has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that XXXX has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX because I feel I need additional help/ back up due to the fact that XXXX continue to tried to bully and intimidate me. 


15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Product: Credit reporting or other personal consumer reports

I was turned down for a house due to inaccurate information contained in tenant screening report. I filed a dispute with Saferent, they submitted dispute info to credit bureau and received updated results. I requested an updated copy of tenant screening report and score after the corrections. I was told the property needed to submit a new request. The propertys manager said they closed my application since in the meantime they rented it to someone else.
Product: Credit card or prepaid card

I have been receiving my direct deposit on my American Express serve card for three been my third pay period and I have had no issues at no point in time have been notified by American Express or serve that they were going to be rejecting my direct deposit going forward their claim was because of activity on the account the direct deposit came in I use the debit card and took the money out that was the thing I have done the entire time Ive had the account open they are now refusing to deposit theres one direct deposit which is my last direct deposit and I will happily close the accounts after this but theyre refusing to even give it back to me and I can not afford to be in that got my paycheck which is why I have it direct deposited in the first place when I spoke to Two people the first person told me that the reason this was happening was because my name was spelled wrong on my direct deposit which was not correct at all it was a lie then the second person told me that at all she could tell me was it wasnt gon na happen I wasnt getting my direct deposit yesterday Im a XXXX  they refused to transfer me told me they were as no one above them and there was no security department either that handled anything like this basically I was told that this decision comes out of thin air and it is what it is and I have to deal with it I will not receive my paycheck now for another week which means I will put my son I have a XXXX-year-old son that I put food on the table for I keep a roof over his head and I hate to break it to everybody but elections are now on the rise and thats what I will be facing because of this company
Product: Checking or savings account

My husband is turning XXXX and we called to cash in IRA CDs he purchased XX/XX/XXXX through XX/XX/XXXX. Mellon Bank was purchased by Bank of New York and we were told the IRA CDs were held under XXXX Mellon. We provided XXXX Mellon the information from the CDs ( we have the original certificates ) but they claim they can't locate them. They keep giving us the run around and are not even trying to locate our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve XXXX : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The amount of interest on the loan is predatory and way over the usury value in NC
Product: Student loan

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Mortgage

We are concerned that Citizens Bank has unnecessarily complicated and delayed our refinance with them. In this process, Citizens Banks actions have cost us thousands of dollars and damaged our credit. 

We started our refinance with Citizens Bank in early XXXX of 2020 and submitted all requested documentation to them at the time. After we signed paperwork and paid Citizens for an appraisal, they sold the loan to a XXXX XXXX XXXX  XXXX XXXX, serviced by XXXX XXXX  XXXX. 

The mortgage transfer occurred in early XX/XX/2020. During this transfer timeframe, the XXXX mortgage payment, which has been on auto-payment since its inception, experiences what Citizen Bank states as a coding error, and we were not notified. As customers of the new loan servicer, we immediately enrolled in their auto-payment making payments on the XXXX of the month but not notified of the error in XXXX, resulting in a negative mark to our credit history. 

Citizens Bank has failed to speak directly with XXXX  about this error or offer a reasonable and efficient way of resolving it. They identified the only way to get records for credit restoration is by sending a request by mail or faxing it to them. We have sent a letter ( via certified mail ) XXXX and are still waiting for any sort of response documentation that may resolve the penalty to our credit rating. 

In addition to this error, Citizens Bank mishandled our refinance at seemingly every opportunity : Unwilling or unable to obtain building certificate of insurance ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Unwilling or unable to obtain building financials ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Scheduled ( and subsequently cancelled ) XX/XX/2020 refinance closing due to an error in not initiating XXXX  documentation process. This delay is still ongoing as of XXXX XXXX. 


On the day of the expected closing, the title agent notified us that Citizens had failed to start the XXXX process and to expect the process to take another 8-12 weeks. Despite regular follow up, they have not been able to provide any updates on the process or on the anticipated timeline. 

The errors Citizens Bank made by selling our loan during our refinance, making an payment error during the sale, not starting the XXXX  process ( which would not have been necessary had they not sold the loan ) have caused significant damage to our credit scores, prevented us from savings thousands of dollars in interest ( current 4.25 % interest versus 2.87 % ) and cost us emotional stress and tens of hours in follow-up with little to no progress.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX5 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Prepaid card

On XX/XX/2024, I received an email from XXXX XXXX stating that my order was delivered. But the problem is that I have never ordered anything from XXXX XXXX. Since the payment for the order was unsuccessful from my bank PayPal claimed, PayPal " fronted '' the payment of the {$590.00} to XXXX. My PayPal account only had. {$0.00} in the account and PayPal has previously denied me a line of credit. So I contacted XXXX XXXX and they basically said that they would look into it and get back with me, of course I have not heard anything from them yet. I then disputed the unauthorized transaction with PayPal and after a few days they claim that it was not an unauthorized transaction and that no XXXX party has access to my account. As the shipments from XXXX XXXX to the buyers address are still happening, I am trying to get the deliveries to be halted until this can be settled, unfortunately the deliveries were still made. The address in which the XXXX XXXX orders were delivered to is not my home address in fact it's XXXX miles or more away from my home. The deliveries were made to a place in Oregon and I live in Illinois. I then disputed the charges a 2nd time and was told that I would have answers by XX/XX/2024. I have records of the orders to XXXX XXXX, the tracking numbers of the products that were provided by XXXX as well as the emails from XXXX and XXXX XXXX and I also have screenshots of the conversation that I had with PayPal stating that PayPal " fronted '' the payment for the XXXX XXXX order. The XXXX XXXX order is 5 hooded jackets, all the same size, same color and same style, the total price for the order is in the amount of {$590.00}. PayPal has been adamant that I made this order and I most certainly did not. I recently won a small class action lawsuit for the total amount of {$23.00}, which PayPal took that money and put it towards the negative balance I have on my PayPal account because of the XXXX XXXX orders. I keep very little money in my PayPal account and only go deposit money into my PayPal account if I am purchasing something online and I'll only put the amount needed for the purchase I am making. I have had others deposit money into my PayPal account for donations after my home burned down as well as donations for a friend who had XXXX and people were buying XXXX support shirts. But otherwise I don't keep large amounts of money in that account for reasons such as this. And now it's XX/XX/XXXX, I haven't heard anything from PayPal nor XXXX XXXX. As I mentioned above I do have emails and screenshots of the orders and the deliveries. 
Also my online banking has stated that no such charges from/for XXXX XXXX charge was made to my account as they would have denied it as I did not have that amount in my actual bank account either. If PayPal denied me a line of credit but they fronted a payment of {$590.00} to XXXX XXXX and they didn't find it suspicious? 
XXXX XXXX ( XXXX ) is my online banking institution
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Wells Fargo for conducting a hard credit inquiry on my ( XXXX XXXX ) and my boyfriend ( XXXX XXXX ) 's credit report without our informed consent. 


On XXXX we spoke with a Wells Fargo representative regarding a loan inquiry. we explicitly asked if the credit check would be a soft pull, and the representative assured me that it would not affect my credit score. However, we later discovered that a hard inquiry was placed on my credit report without my consent.

we immediately contacted Wells Fargo to address this issue, but we have not received a satisfactory resolution. A hard inquiry can negatively impact my credit score, and since I was misled about the nature of the credit check, I believe this was an unfair and deceptive practice. And even if I asked the representative to stop the wrong application and start the dispute, they still ask for more materials from us to complete the wrong application This misleading practice is unfair to consumers, and I kindly ask for help from CFPB to investigate and take appropriate action please. 

Additional information : the company that pulled our credit report is called credo. walls fargo is working with them to get credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute along with identification and original police report documents for myself and my sister who was a victim at the time as well. This dispute was sent via mail to XXXX, XXXX and Equifax reporting services, according to the Fcra section 605B, all information that is a result from a case of id theft will be blocked in 4 business days, until the day of this report we have not heard back any response of the status. I would like the situation resolved by unauthorized info being blocked.
Product: Debt collection

The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I made a purchase for {$440.00}, I never received the order and merchant refunded me it. I received the refund of {$440.00}, then same day the refund hit my bank, the merchant rebilled me for {$440.00} and refuses to refund it without giving me a reason to why they recharged me. I now have 2 transactions for {$440.00}, the first one was refunded so I call Capital One to dispute THE SECOND charge of {$440.00}. First issue is, the employee who opened the dispute for me mistakenly credits me for only {$44.00} ( I have proof via letter stating " I am receiving a credit of {$44.00} for the charges being disputed of {$440.00} '' ). I have called multiple times to get the missing {$390.00} temporary credit that I was owed, and they finally issue it after a dozen phone calls over 2-3 weeks. A few days after the {$390.00} temporary credit was posted to my account, I got a transaction rebill for {$44.00} ( now my full {$440.00} temporary credit just went down to {$390.00} ) .... and agents couldn't tell me why I was being rebilled for the {$44.00}, and after speaking to two supervisors at the dispute team, they both suggested to just wait for the dispute outcome. Fast forward 2 weeks, I got rebilled for the remainder of {$390.00} AND {$440.00}.

Their outcome was the merchant already refunded me, but KEEP IN MIND, merchant only refunded me for the first transaction, not the second. However, Capital One is stating merchant issued a refund for the 2nd transaction I am disputing, when in fact they only issued a refund for the first transaction of {$440.00}. Now I have a purchase adjustment/transaction rebill for {$44.00}, {$390.00}, and {$440.00} totaling to {$880.00}. My {$440.00} dispute just turned into a {$880.00} XXXX storm, and I can't get a hold of the Capital One dispute because their hours are not 24/7 and the last 4 days I have called, I have been on hold for more than hour and can not stay on the phone for hours just to get an agent from disputes then explain the entire situation over. 

The snippet of my transactions attached shows XXXX XXXX only refunding me for the FIRST TRANSACTION not both the first and second transaction the agents are telling me over the phone. There is only ONE merchant credit in my account for {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX, and The Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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