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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX XXXX XXXX, executor and paramount title holder to the XXXX XXXX XXXX XXXX . An application for extension of credits was submitted on XX/XX/year> to America First Finance for the benefit of XXXX XXXX XXXX by way of XXXX XXXX XXXX XXXX. This extension of credit was for the purchase of goods and services, for personal, family, and household purposes. After extensively reviewing the terms & conditions in comparison to my protections under the Consumer Credit Protection Act, it is evident that full disclosure was not given regarding the true cost of the credit. This caused an uninformed decision to be made regarding my relationship with XXXX XXXX XXXX XXXX, American First Finance and its affiliates. Agents within both companies attempted to inform me that I am supposed to make monthly payments on the agreement using legal tender. The information and forms given to me by the companies are false and misleading because the amounts for good and services resulting from transaction were already satisfied at the inception. Any monthly interest should have automatically been transferred to settle the monthly principal balance. I recently received a notice from American First Finance stating that my account is at risk of charging off due to past due amounts. How can this be? How can an extension of credit resulting from an electronic funds transfer account to a credit plan be past due? It can not be anything other than a billing error due. I am seeking remedy to place this account in a do not pay/do not collect status. And for any outstanding balances to be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection/chargeoff on my credit profile from the XXXX  XXXX. 

First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXX of XXXX. 

Furthermore, the comments say customer dispute, but consumer disagrees XXXX is reporting the date of last activity as XXXX, XXXX reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved. 

Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). 
When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile. 

Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT.

if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.
Product: Mortgage

I initiated refinance of mortgage with XXXX XXXX ( Loan Officer, PNC Bank ) back in XX/XX/XXXX and submitted all the documents as requested immediately. 
The loan was approved as was confirmed by XXXX verbally and as well as by e mail@ 2.25 % for 15 yrs with Zero points., Please see copy of mail as below : From : XXXX XXXX XXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : PNC Bank Mortgage - Communication Yes. We can lock at 2.25 %. We do have the ability to float the rate down in rates drop. 

I will have everything done before XX/XX/XXXX. We can close when you return XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXXXXXX PNC Mortgage, A Division of PNC Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Mail Stop : XXXX We were suppose to close at the end of XX/XX/XXXX but for some reasons we received documents on XX/XX/XXXX. 
Upon receipt of docs we pointed out discrepancy in the agreed terms of lending in the documents which he promised to fix errors asap. 
We received another docs subsequently but with the same errors. He promised to correct and send another docs which was again incorrect. 
Since then he sent incorrect documents several times and has been dragging to send corrected docs and several weeks passed by. I kept calling him everyday and sending him mail frequently. He informed that it is in the process and I will be disclosed shortly. He further added that we are in good shape and he will wrap up everything promptly. 
He then informed me that it is difficult for me to send corrected documents electronically as PNC electronic system is messed up and he will overnite documents and then we can close promptly ( See attached text message ) On XX/XX/XXXX he informed me that we got the pricing correct and we will disclose shortly. He further added that you are in good shape and I have the ability to overnight documents which is better anyway. 
I never received docs which he promised and then I insisted to meet in person. In personal meeting he backed out from honoring his commitment and jeopardizing my refinance. 
I have all the documented proof to prove my above statements. 

Important Point is XXXX XXXX ( Area manager ) & XXXX XXXX ( Territory Sales executive ) informed me that loan was cancelled on XXXX XXXX but Loan officer has been communicating till XXXX end promising to send docs and close promptly.
Product: Checking or savings account

I am using the XXXX XXXX service for my car. I signed up for auto payment for their service because I was told I had no other choice. They charged my account for their service fee, but Im also seeing charges that I did not authorize. They charge you for violations ( which I had none prior to this ) and they charge these violations to your debit card without any prior warning. They recently tried to charge my account for {$310.00} with no prior warning and I didnt receive an invoice or any documentation on what that charge was for. 

In XXXX of XXXX I was also told by XXXX XXXX  that I was not allowed to remove my banking information from their system and I was not allowed to pay any other way. I am fine with the monthly service fee they charge, but I did not authorize any other charges be taken from my checking, nor do they call to authorize the charge or give me any indication that they are charging me. I often dont receive invoices after the charges go through. I have asked for a copy of my contract with them and they refuse to provide it, stating it is available in their app, which it is not. 

This company has been holding my car hostage for almost a month now. Theyve locked my system due to my car failing to start. Ive paid a fee to unlock the device which did not work and now theyre trying to charge me an additional fee to come fix their issue with their equipment. I have already submitted a formal complaint to the XXXX and will be taking this matter in front of the XXXX judge soon. This company is predatory. They charge fees without warning and if the account doesnt have the funds to cover their fees, they charge an additional fee. I believe they do this on purpose so they can take an additional {$35.00} for every transaction. They also claim damage to the device without providing proof of the damages. 

I moved to XXXX  from XX/XX/XXXX to XX/XX/XXXX and had a mobile calibration appointment scheduled with them. My car stayed in XXXX  while while we were in XXXX. The calibration didnt work because my car battery had died. I scheduled a calibration the day I arrived back in XXXX, and found my interlock had been locked and my car was unable to start. I was not told about the locked state of the interlock, I found out by traveling to my cars location and it wouldnt start. 

After paying the fee and several attempts to unlock the device, the codes I was given all failed and I was told it was my fault and that the device had been tampered with. My car is sitting in my parents yard and hasnt been touched from XX/XX/XXXX to XX/XX/XXXX and no one had access to the vehicle. There is no way I would have been able to tamper with the device as I wasnt here to do so. Also, my car is stored on a private lane and no one would have access to the car, nor would anyone have reason to tamper with their device.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, FEDLOAN is reporting numerous accounts in my name as 120 days late. I have contacted FEDLOAN numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX ), and they refuse to delete the item because FEDLOAN responds to the dispute by stating that the loans are verified and accurate.
Product: Student loan

Disputes have been sent to Nelnet between XX/XX/XXXX and XX/XX/XXXX. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax, XXXX  and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

Equifax, XXXX and XXXX  are not complying wither their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau Subject : Complaint Against TransUnion for Incorrect Deletion of an Account Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the improper deletion of one of my open accounts, which, notably, has a perfect payment history. According to my understanding, this act by TransUnion constitutes a violation of the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Chapter 41, Subchapter III, 1681 of the U.S. Code. 

The specific provision at issue is the handling of consumer reports, which states that consumer reporting agencies must furnish accurate and comprehensive information about a consumer 's credit status. My account, which was deleted without cause, reflects positively on my creditworthiness and should contribute towards my credit evaluation. 

Here is a summary of the issue : - The account in question was in good standing, with timely payments and no negative marks. 
- This account contributes positively to my overall credit portfolio, affecting my credit score and my eligibility for future credit and insurance.

The deletion of this account may lead to an inaccurate portrayal of my credit history and has the potential to adversely affect my credit score. Thus, I ask that TransUnion rectify this error by restoring the account promptly and providing me with a corrected copy of my credit report. 

Please investigate this matter and provide guidance on further actions to ensure compliance with consumer protection laws by TransUnion. For your reference, attached are copies of my credit report indicating the deletion and relevant documents confirming my history with the account. 

Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

Prior CFPB case XXXX In follow up to the bank 's prior response. I do not understand why they reported the account 30 days past due for XX/XX/2023, after I satisfied the XX/XX/2023 payment due when I brought the account current with a payment on my XX/XX/2023 call. I realize they indicated that they sent me statements, however, in the same call mentioned above I repeatedly did ask the agent and they confirmed I was good, and the next payment was not due until XX/XX/2023. The information that they confirmed when I called was misleading which resulted in the past due status of the account.
Product: Checking or savings account

My mother has advanced XXXX XXXX and I have been her financial and medical Power of Attorney since XXXX. I have visited Bank of America branches three times to submit documentation so that I can access and manage savings and CD accounts that she has with the bank. My latest visit took place on XX/XX/XXXX. I arrived to my appointment with the Power of Attorney documentation as well as a letter from her primary care doctor stating her inability to manage her finances. These documents were submitted to their legal department for review. The documents were rejected. I was told the reason for the rejection was that there was no year included under the Notary Acknowledgement section of the PoA document. However, there is no line item from this information on the form. When I asked to be provided with a reference to the exact guidelines that the legal department based their decision on, this information was refused to be provided and I was asked to leave the branch. The PoA document is filled out properly, per Virginia guidelines. So either the bank is unwilling or unable to provide the requested information or has based their decision on some arbitrary guideline that goes against the rules and regulations of the state in which they are operating in. Furthermore, I am a joint account holder on a checking account with the same institution and have PoA on file for this account. Yet this is seemingly not acknowledged. Any attempts to update the contact information for my mom on this joint account ( since she has been moved into an assisted living facility ). are denied. To make things worse, fraud has been identified on our joint checking account and I have no way to verify that her savings and CD accounts have not also been subject to fraud at this time. Since I am unable to update her contact information, and correspondence regarding fraud would not reach her. Ultimately, Bank of America is preventing my mom from accessing her own money and is preventing me from functioning in my legal role as Power of Attorney and my familial responsibility to ensure her finances are secure and properly allocated for her rising care costs.
Product: Money transfer, virtual currency, or money service

Crypto.com is the company in question. I deposit over {$19000.00} in this account. We dispute it a couple of charges that was on the companys part. They froze my account I cant withdraw any money or deposit I can do but withdraw from my XXXX wallet I cant I sent them a letter from my bank stating that my bank credit my account as well as the vendor Crypto.com. The rep has frozen my account refuse to talk to me keep telling me to send them certain information all I wan na do is take my XXXX out of the account over a {$68.00} charge.
Product: Checking or savings account

Cleared funds on a check that was fraudulent with out actually receiving fund and are asking me to pay for there error
Product: Credit card

I have several credit card accounts with Citibank. Each month I pay all balances in full. In XX/XX/XXXX when I was making my credit card payment due in XXXX on the Citibank web site, I set up autopayment on these credit card accounts. This autopayment was to have the amount due each month automatically taken from my checking account. I was concerned that since I had manually indicated a payment was to be made and then also requested autopayment in the future that I might have my bill paid twice in XXXX. In light of this I visited the Citibank web site on XX/XX/XXXX and saw where the web site indicated I had a manually placed credit card payment of {$5900.00} and an autopayment amount of {$0.00}. To verify that this was how this would actually work, I called Citibank. The representative reviewed the account and indicated that the {$0.00} autopay was correct since the other payment was already in place. I asked if I should cancel the manual payment and was advised that this was not necessary and everything would process as intended -- with my just being charged one time for the account balance. In fact, that is not what happened. On XX/XX/XXXX my payment of {$5900.00} went through and then an autopayment of {$5900.00} was also posted. This resulted in my credit card having a substantial positive balance due to the overpayment. More troubling, my checking account went into an overdraft situation. I called Citibank regarding this problem and they indicated that there was nothing they could do. If someone will pull the recording of my call with the representative from XX/XX/XXXX, they will see that this is what the focus of that call was and that what I was told by the representative was not correct.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM {$2000.00} States I owe this amount for a phone service I didn't have. 
I have asked for proof and the have not provide it to me. 
It's on my credit report and needs to be removed.
Product: Debt collection

I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. 
pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. 
I have contact all this collections agencies nut they are rude and unwilling to hear me. 
XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. 
Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. 
WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.
Product: Payday loan, title loan, or personal loan

I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$250.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.