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

I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but Trans Union and XXXX continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however XXXX has one and Trans Union has 4 even adding items that shouldnt have been added back to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Small Business Loan for {$32000.00}, was taken out for a XXXX entity, under the Entity 's XXXX. The Lender, XXXX, told me that I would not be a co-signer as this is a small business loan, Turned out I was lied to and forced to signed the agreement under deception and duress. The company included my personal information, and residential address without my consent. I was told that my information was needed as a contact. A day after all the documents was signed and money received by the business, I found out I was fraudulently listed as a personal guarantor with out my knowledge. 

And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions. I intend to file a lawsuit regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX $ $ 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years.

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.
Product: Mortgage

Got a loan with PNC bank. 
https : //www.pnc.com/ They delayed payment of my loan after close by over 20 days. The bank stated they legally have 5 days to deposit funds. Below is a copy of my checking account with zero funds after the 6th day of closing. They insisted on cutting a check to my credit card but were unable to properly cut a check that large and mail it to the correct address. The check amount was XXXX {$20000.00} and the first check was cancelled from the corporate the second check sent to the branch was lost in the mail. Finally after 20 days they the branch cut me a check. I incurred additional fees and interest from my credit card during this time since the original check was cancelled in addition I incurred interest from the bank on the funds they didnt deliver. 
I was dealing with the branch manager, corporate office and the loan officer. Most of the parties involved stopped returning my emails as if the problem would go away on its own. I sent over 30 emails to various employees and made over 20 calls to the same people. 

My loan officer XXXX did was impossible to reach XXXX XXXX XXXX NMLS # XXXX Loan Processing Analyst Fulfillment, XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX ( p ) XXXX ( f ) XXXX XXXX They eslcalted my case to XXXX XXXX who simply stopped returning my calls after the 2nd check was lost in the mail XXXX XXXX XXXX XXXX, XXXX Client Relations PNC Bank XXXX : XXXX Fax : XXXX XXXX I was dealing with this branch who refused to provide the XXXX name after i stated i would file a complaint. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( FIRST HORIZON BANK ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not find an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, we let Presto know that we are attempting to have to loan paid off, as the vehicle is being sold to XXXX. Since that time, they have continued to refuse to submit the specific letter requested by autonation stating title will be sent to them. It delays the process, we have even drafted the letter for them and the loan has increased daily XXXX. They then told us they would supply the letter if XXXX contacted them, XXXX requires the customer to work this out between Presto, therefore on XX/XX/2024 I drafted a letter that is needed and they refused to use the letter again, AFTER stating they would be willing to submit the letter in order for the loan to be paid off. The tactics cause a delay and in the meantime, although the loan will be paid off, they continue to call to collect on the account. No one knows what is going on when I call and I always have to reiterate everything I stated before.
Product: Payday loan, title loan, personal loan, or advance loan

I have used Koalafi, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, VA XXXX, ( XXXX ) XXXX, in the past without issues but this particular " lease '' as they call it, feels very different. 

I borrowed {$1600.00} and by the time I pay this lease off, I will have paid three times as much as I borrowed. When does this become a criminal exploit? I feel these companies are blatantly taking advantage of people who are barely existing financially and do not have unlimited savings to pull from. Unfortunately, I had to have emergency work done on my car and I live paycheck to paycheck. The quote given to me was a lot less than what was due when I picked my car up and had to make a decision to use the financing company. My children and I rely heavily on this vehicle to get to school and work. 

I emailed the company in XXXXXXXX XXXX, as I feel I have paid well over what was due and was willing to work with the company to come to an amicable conclusion to pay off this lease. I never received a response from the company. I also worked with my bank to solve this issue and they were not able to assist in working with the company. I called today on XX/XX/XXXX and I spoke to XXXX, who is a supervisor ( they never give last names ) which is a XXXX  flag. She was not supportive or willing to work with me. 

I borrowed {$1600.00} To date I have paid {$2400.00} With another {$100.00} coming out of my bank account as we speak. 

When this lease is done, it will be well over {$5000.00} that I will have paid. This is fraudulent and should be bordering on illegal. I am asking that something be done to bring this lease to a close with more acceptable and achievable payment terms. 

Thank you, XXXX XXXX, XXXX or XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, My electronic payroll deposited the sum of {$2800.00} to my closed account ending in XXXX. On XX/XX/year> XXXX released the holding on the funds but will not transferred the remaining balance to the new account ending in XXXX. On XX/XX/year>, I contacted XXXX why the delay? I was informed the funds is subject to review because it was deposited to a charge off account and funds owed on the account will be deducted. I agreed that the sum of {$140.00} owed on the closed account is fair and the remaining balance, after the deduction must be immediately transfer to the current account ending in XXXX. I was informed that remaining funds is subject to further review and will take additional XXXX days to do so or return t the deposit to the issuing payroll agency. I vehemently disagreed that the new account will be subject to overdrawn penalty because there are pending bills automatically withdraw on the account. On the day I spoke with XXXX my account ending in XXXX was negative balance- {$9.00}. The account was positive same day after XXXX reversed the monthly service fee charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowere d my my credit score cons iderably ( approximately  XXXX  poin ts ). I n the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries m y credit score is  around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Removal of Negative Inquiries and Correction of Personal Information To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 and 15 U.S.C. 1681b ), I am writing to request the immediate removal of all negative inquiries from my credit report associated with my bank account. These inquiries were either unauthorized or no longer valid.

Additionally, I request that Experian jonly associate my credit file with my legal name, XXXX XXXX XXXX XXXX, and my primary address, XXXX XXXX, XXXX XXXX, IL. Please ensure that my file does not include any variations of my name or addresses that do not belong to me. I am not to be associated with any misspellings or similar names that may cause errors in my credit report. 
Please investigate and take corrective action to ensure the accuracy of my credit file. I look forward to receiving confirmation of these corrections. 
If you require any further documentation or identification to complete your review, please let me know promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I stayed on phone with XXXX for an hour and half you could tell she was reading a script she keeps putting me on hold finally told me there were some errors in my account make XXXX payments and it would be in modification. Modification, is changing some part of a situation you are in. Wells Fargo modification shows I have XXXX loan numbers that has not been corrected. Payments keep changing amounts. I was told by XXXX at extension XXXX well I tried to call her on Wednesday to make a payment like XXXX told me to she did not answer the phone or even return my call I started on Thursday to get in touch with her to make a payment. I git XXXX he took the payment got a confirmation number and it cleared my XXXX XXXX  account the next day. 24 hours later on Friday I started calling to make the second payment could not get XXXX that I was told to call got XXXX gave her the payment information asked for confirmation number and she tells me WF does not give confirmation numbers. XXXX gave me one on Thursday, " he did not know what he was doing '' as of XX/XX/2023 the payment has not been posted funds have not been taken out of my account. How can something be so different in 24 hours. told to talk to XXXX not she does not answer and how do I get a confirmation number of funds not withdrawn. Called back on XX/XX/2023 talked to XXXX, was told XXXX was not available he could help, but all he did was read a script by repeating ; himself. I have done everything WF have instructed me to do, however WF has not keep their word on anything they have said other than put my house in foreclosure with a sale date.

WF is discriminating and just like so many other homeowners taken their home, that is what is happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I completed a report on FTC ( Federal Trade Commission ) pertaining to unauthorized inquiries showing on my consumer credit report. I sent a reinvestigation letter and letter from the FTC to the consumer credit reporting agency Experian to investigate and remove the unauthorized inquiries from my credit report. The list of inquiries listed that were unauthorized inquires are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box  address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

Self Inc has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( XXXX ) 30 days past due, XXXX ( 1 ) 30 days past due and XXXX XXXX ( 1 ) 30 past due. I mailed the CEO of Self Inc a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of XXXX  I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for Self Inc advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead Self Lender to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX XXXX  advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Product: Checking or savings account

Sometime during the week of XX/XX/2024, After attempting to have a new card issued to me over the phone, chase bank declined to give me a new card unless I went to the branch to verify myself. I went to the chase close to me and then I was denied service there because they did not accept my state issued commercial drivers license due to a minor damage on the corner. The damage did not affect their ability to verify me in any way and did not impede their ability to see any of my public information ( Name, Birth date, Address, DL number ) This has halted my ability to have funds available to me and pay my bills on time. They have also refused to issue me a digital card. This too has hindered me from being able to operate day to day functions. 

I am demanding that my digital card and physical card be issued to me.
Product: Debt collection

I received notification of debt via process server from magistrate court. I was never made aware of this debt owned by this company prior to an actual lawsuit. At this point I requested information regarding the debt to verify the validity. And since requesting validity of debt, they have also begun sending collection attempts for debts that were written off almost 10 years ago and some even older.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting acts, has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions