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

I received notification from XXXX XXXX and XXXX XXXX in regards to the recent data breach. I was informed by XXXX XXXX that my personal information was compromised. The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, {$590.00}, fraudulent credit inquiry : XXXX XXXX, XX/XX/2018.
Product: Checking or savings account

On XXXX XXXX  payments of {$3700.00} were sent through the Bill Pay program @ PNC Bank to XXXX XXXX XXXX. This was an error, and I called on XX/XX/XXXX to ask them to refund back to me the second, incorrect payment. I was told they couldn't do anything until the next day when the transaction had " settled ''. So I called on XX/XX/XXXX and I was told I needed to " File a Dispute '' and I should talk with XXXX XXXXXXXX XXXX which I did. XXXX XXXXXXXX XXXX  told me to simply have PNC " Revoke the Authorization '' which XXXX XXXX told me is a very simple process, and is done regularly. However, when I called PNC, they informed me " we don't do that '' ... your only option is to " File a Dispute ''. So, on XX/XX/XXXX I started the Dispute process. On XX/XX/XXXX I was told I would receive a " Provisional Credit '' while they were researching my Dispute, and I should see the credit in my Checking Account by XX/XX/XXXX. However, on XX/XX/XXXX there was no credit, and when I contacted PNC again, they told me no Provisional Credit would be issued, and I must wait " up to 10 business days '' for the Dispute Process to complete. On XX/XX/XXXX they closed out the Dispute as they needed my verbal authorization. They never contacted me for that verbal authorization. Now I am told I must get the funds from XXXX XXXX XXXX 
I was continually lied to and PNC never corrected their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing in concern of the federal law Experian has violated according to the FCRA 1681d.. ( B ) concerning inaccurate information XXXX XXXX ( nmls ) is being reported inaccurate by Experian when this account is current and up to date, this account is currently in forbearance plan and modified. I have sent in the proper paper work to Experian and they have still not corrected the information. Experian said that they verified the information with the vender but they have not sent who, when and by who it was verified because if they would have done there proper research they would have known that this XXXX XXXX  ( nmls ) is current. Experian has also violated federal law 1681d ( B ) Disclosure on request of nature and scope of investigation : that states make a complete and accurate disclosure of the nature of the scope of the investigation requested. This disclosure shall be made in writing mailed, or otherwise delivered to the consumer no later than 5 days after the date on which the request of disclosure was received from the consumer or such report was first requested, whichever is later. Experian has violated the FCRA by continuing to report inaccurate information and must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXAcc # XXXX XXXX Financial-Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX5 U.S.S 1681 ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Purchased private sale vehicle in Massachusetts with westlake financial services XXXX XXXX XXXX XXXX XXXX as lien holder. I paid out settlement to XXXX from my bank account and they are not releasing the electronic title or speaking with me. They have taken my money, I have a notarized bill of sale, bank transactions for the settlement payment, a settlement offer from XXXX, a reciept from XXXX but no title, its been almost a month since I paid the loan and they are not releasing the title. I'm supposed to register the vehicle within 10 days of the sale but I can not without a title. I have more documents upon request. Thank you, XXXX
Product: Credit card

I HAVE BEEN A LONG-TIME XXXX  RETAIL CREDIT CARD HOLDER WITH A CREDIT LIMIT OF {$8000.00} ON THE XXXX CASH REWARDS PROGRAM. 

THE CARD PAYS 5 % " CASH BASH '' ON ELIGIBLE PURCHASES WHICH FOR A LONG TIME I HAVE USED FOR GROCERIES, GAS AND STREAMING SERVICES AND HAVE RECEIVED 5 % CASH BACK CREDITS ON THOSE CATEGORIES OF SERVICES. 

I KEEP A RELATIVELY LOW BALANCE OF LESS THAN 25 % UTILIZATION AND THE CARD IS PAID OFF IN FULL EACH MONTH. I DON'T BELIEVE I'VE EVER PAID ANY INTEREST PAYMENTS ON THE BALANCES AND I'VE RECEIVED A GOOD AMOUNT OF 5 % CASH BACK CREDITS OVER THE YEARS ON THE ELIGIBLE SPEND. 

EARLIER IN XXXX, THE TRANSACTIONS JUST STARTED BEING DECLINED FOR NO REASON. I BEGAN TO USE ANOTHER CARD UNTIL I HAD TIME TO LOOK MORE INTO THIS. EARLIER TODAY ( XX/XX/year> ) I CALLED XXXX 'S CUSTOMER SERVICE DEPARTMENT AND ASKED WHAT WAS GOING ON WITH MY CARD. 

I WAS TOLD BY THEM THAT XXXX  HAD MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS PROVIDED NO NOTICE OF THIS VIA MAIL OR ANY INDICATION THIS WAS HAPPENING. 

I THEN ESCALATED THIS UP TO THE MANAGER AND WAS TOLD THAT XXXX HAS THE RIGHT TO CLOSE THE ACCOUNT FOR WHATEVER REASON WHATSOEVER AND IT REVIEWED ITS LOAN PORTFOLIO AND DECIDED THAT IT WAS CLOSING MY ACCOUNT DOWN, BUT WAS NO REFLECTION OF MY OR MY ABILITY TO PAY. THEY HAD NO FURTHER INFORMATION ON THIS. 

THEY NEVER PROVIDED ME A NOTICE BY MAIL ON THIS OR ANY LEGALLY REQUIRED PIECES OF INFORMATION. I REQUESTED THIS INFORMATION BE SENT OVERNIGHT CERTIFIED MAIL, AND THEY TOLD ME THEY ONLY SEND THINGS REGULAR XXXX MAIL. I ADVISED THEM THEY HAVE LIKELY VIOLATED A NUMBER OF FEDERAL LAWS & BANKING REGULATIONS AND THIS COULD BE A COSTLY RESOLUTION FOR THEM. 

I ALSO LET THEM KNOW THAT I AM A CERTIFIED FINANCIAL PLANNER WITH XXXX XXXX ( XXXXXXXX XXXX XXXX ), AND THAT I HAVE A BACKGROUND IN FINANCIAL COMPLIANCE AND BANKING. IF THEY FAILED TO DELIVER ONE DISCLOSURE FORM OR NOTICE, THIS WOULD LIKELY RESULT IN A LEGAL SETTLEMENT. 

I SUSPECT XXXX DECIDED BECAUSE I CONTINUED TO RECEIVE THE REBATES AND WASN'T CARRYING BALANCES REGULARLY THAT ACCOUNT WAS A BIG-TIME CASH LOSER FOR THEM -- SO THEY DECIDED TO CLOSE IT. 

I ADVISED THEM THAT I WOULD BE TAKING IMMEDIATE ACTION THROUGH THE CFPB. ACCORDINGLY, THIS IS THE FORMAL COMPLAINT. 

THIS ALSO DOESN'T ADDRESS ANY OF THE CREDIT BUREAU IMPLICATIONS WHICH COULD RESULT IN ADDITIONAL ACTION. 

THEY WOULD PROVIDE ME WITH LITTLE ADDITIONAL INFORMATION. THANK YOU FOR YOUR HELP IN ADVANCE IN RESOLVING THESE MATTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charge-off account from XXXX XXXX. I disputed this inaccurate account with Equifax nearly 60 days ago. This report was included in an inaccurate bankruptcy account that has been deleted. Consequently, this account must be deleted/removed as the other associated accounts were.
Product: Mortgage

Company : Quicken Loans/XXXX, XXXX. 

Complaint : Pencil-whipped Boilerplate Appraisal We started a refinance process on a VA loan that was 2 years old for a lower interest rate. Quicken Loans said we needed an appraisal, and have us down for paying {$380.00} for this appraisal. When we received the appraisal document, it did not look correct. 

Reading through the document, we started noticing discrepancies. The square footage did not reflect the current structures on the property. The price per square foot had not increased with the comps in the neighborhood, The new permitted out buildings that we had erected were not in the appraisal, and biggest red flag of all, no one had come to our home to do an appraisal. 

Further reading said that this was a 'drive by appraisal '. The appraisal company is in XXXX, MI. It was an appraisal done online by XXXX XXXX. The Arial Photograph used in the appraisal is a 3 year old image from XXXX XXXX. The Street View image is more recent, but covers only 2/3 of our property that faces the street. 

This makes the legitimate appraisal companies out there look bad by association. The Appraiser, XXXX XXXX of XXXX, XXXX ( XXXX ) signed that she had done an actual in person exterior appraisal of our home. That is untrue. She stated in writing that " I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the conditions of the improvements in factual specific terms. I identified and reported the physical deficiencies that could reflect the livability, soundness, or structural integrity of the property. '' We have cancelled the contract with Quicken Loans, because I can no longer trust them. The problem we are having now is that we gave them {$500.00} in 'earnest money ', and they are refusing to refund that money. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Product: Credit card

I participated in a balance transfer promotion offering 0.00 % interest through XX/XX/2024. I paid off all charges on the card, other than the balance transfer amounts subject to 0.00 %. I was still charged interest for the period even though all charges that would have been subject to interest were paid to {$0.00} before the date that interest would have been applied to those balances. Card issuer said that since I have a balance promotional offer I must pay interest, even on {$0.00} balances.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file 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 XX/XX/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
Product: Credit card or prepaid card

USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.
Product: Checking or savings account

Tearful despondent ..upset. I am a victim of bank fraud. Someone washed my check which I was paying my utility bill with ..applying a persons name payable to and a large sum of money of {$8500.00} was withdrawn from my checking account.. and this happens on the day that I buried my list surviving relative my uncle.. My bank is Citizens Bank. And the check was cashed by XXXX XXXX  XXXX XXXX have been fighting this ..since XX/XX/XXXX I am beside myself I am recently a widow a senior citizen turning XXXX. I need this money to live on I have bills health insurance bills ..I have a mortgage I am beside myself. I called the bank every day and of course they tell me that its still In the escalation department I am so beside myself. I need your help to get my money back this money is rightfully mine. The bank never notified me of this check being cashed. XXXX XXXX. My phone number is XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received threatening and abusive emails from an attorney XXXX XXXX from Ohio making outrageous threats about an alleged loan. These threats included threats of jail if not paid in XXXX hours ; threats that a federal bureau was investigating this ; threats to get me fired ; tell all contacts on social media and stating that I owed enormous sums of money that I did not borrow. I received XXXX such communications XXXX in response to requests to validate the debt and to provide the Ohio XXXX number for XXXX XXXX. These had other odd email addresses that were private not a business email as you will see in the attachments. 

I have been very ill and in hospital multiple times recently for emergency XXXX and am filing in bankruptcy. 

These emails are in clear violation of the FDCA and other laws. Further, XXXX XXXX counsel for Speedy Cash, is NOT a licensed attorney in Ohio and has been fined and disciplined for practicing law without a license. 

Please assist as this is exacerbating health issues.
Product: Debt collection

I have multiple medical debts on my credit score with XX/XX/XXXXand Experian. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through Miramedrg on XX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on experian. I am disputing all of these on legal grounds
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On [ Enter Date ] your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 

XXXX XXXX XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX  XXXX XXXX {$0.00} -Over 7 years delete now XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX {$12000.00} -never late I recently disputed these accounts with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Debt collection

Penn Credit Corporation recently posted a derogatory collection notice on my credit report for the amount of {$430.00}, supposedly on behalf of XXXX XXXX. 

I've never heard of Penn Credit, never had an account with them, and have never been contacted by them. Further, if Penn Credit is indeed a legitimate company, I've not had an account with XXXX XXXX since XX/XX/XXXX and had paid my actual usage balance in full at that time. 

The only prior debt that XXXX XXXX had alleged I owed was from XXXX, and in XXXX I sued XXXX XXXX in XXXX XXXX XXXX XXXX XXXX and it was proven XXXX XXXX was completely unable to substantiate this supposed debt with any evidence or proof. The judgment was ruled in my favor. 

Therefore either this debt collection attempt is outright fraud, or it's XXXX XXXX 's pathetic attempt to collect a debt that was dismissed in court XXXX years ago and Penn Credit Corporation has been lied to by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report Dear XXXX XXXX XXXX  SSB Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following account : XXXX : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiry for the account referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA.

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

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

XXXX, Equifax, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond XXXX  days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.
Product: Credit reporting or other personal consumer reports

Mohela has double reported accounts on my credit report. I had five active loans last month after paying on them for 5 years. Recently, XXXX notified me about increasing loans and total value. I filed report # XXXX with XXXX and contacted Mohela . This was done early on XXXX XXXX, 2024. I was given a resolution that the doubled accounts shown would not be removed. This has negatively impacted my credit and will make credit harder to get and cost more. Further, facts dont align as XXXX shows that Mohela hasnt reported up to date facts since XXXX of 2024, but I just recently had the duplicated loans showing on my credit report. This is shown on the attached picture.