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

Re : Missing On-Time Payment for XXXX XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions XXXX I am writing to formally dispute the incomplete payment history reported for my XXXX XXXX account XXXX Account Number : XXXX ) on my credit report. Specifically, the payment history for XX/XX/2024 is missing the " pays as agreed '' status, which inaccurately reflects my timely payment for that month.

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information. 

I respectfully request that TransUnion update my credit report to accurately include the on-time payment for XX/XX/2024 for my XXXX XXXX account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit Transunion and then XXXX I confirmed by logging into XXXX and Experian. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called XXXX XXXX back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called XXXX XXXX and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Bank Of America, I have trouble recognizing an account ( s ) on my credit report. It says I allegedly owe on multiple credit cards, account numbers # XXXX, XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to dispute inaccuracies in my credit report and to seek compensation from Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further reinforced by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to properly investigate consumer disputes and its improper reinsertion of incorrect information into consumer reports. 

The following discrepancies in my credit report require immediate correction or removal :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off the remaining balance of a student loan serviced by XXXX XXXX/XXXX XXXX . Following the pay off, the lender incorrectly reported the account as closed due to a charge off. This of course triggered a massive drop in my credit score and alerts from all the agencies. I disputed it and then contacted the lender to sort it out. XXXX did an internal investigation and review and determined that they had made a mistake and this was their fault and they would inform the credit agencies of the mistake and to strike the charge off from my record, they sent me a letter to this effect. 

I submitted the dispute to all the agencies ( thus far only XXXX has updated and removed it ). XXXX has not completed the dispute yet. Experian has refused to change my report. I have filed, and had rejected, 7 disputes so far on this item with Experian. I've provided the letter from the creditor, and the creditor ( XXXX ) has stated to them several times that this was a mistake. Experian continues to refuse to accept the change and denies all of my disputes.
Product: Mortgage

I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The date was in XX/XX/19 and thy wrote This communication is from debt collector. This is an attempt to collect a debt. Any information will be used for that purpose.
Product: Payday loan, title loan, personal loan, or advance loan

We requested that the accounts for XXXX XXXX XXXX were closed in writing in XXXX, XXXX. We received a letter confirming that the accounts would be closed. We received a letter indicating that TD BANK failed to close account XXXX at the time requested. Please close the account as it should have been done in XXXX, and correct the balance to zero removing any of your invalid fees.
Product: Credit card or prepaid card

There was an inquiry that hit my XXXX credit report of Citizens for XX/XX/22, I am a victim of Identity theft. We tried talking with Citizens but the are unable to find anything but it is on my credit report. I have a police case number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, through my bank ( XXXX XXXX  ), I made a domestic wire transfer of {$3400.00} to a friend. The friends bank ( PNC Bank ) for some reason said it was unauthorized for some reason and that the money would not be available in his account and that the money would be returned to the senders bank ( my bank, XXXX XXXX  ). Well that was over a month ago, and it still has never been returned. My bank ( XXXX XXXX ) has confirmed that it was properly authorized and completed two wire investigations with no response from PNC Bank. My friend has contacted PNC Bank several times and only received one message on XX/XX/2020 that the money would be returned to the senders bank.
Product: Debt collection

After pulling credit report to get pre-approved for a home mortgage i see there is a collections debt that has been on my report since 2013. after calling to see what it is for it was for a college fee. I have never once received any bills, letters or phone calls about this debt in collections. how i am to know about this or pay it when i have not been contacted one time, does not seem fair and has now destroyed my credit. called the collection agency and they were of no help and stated over and over i must pay and then finally said to me that we are getting no where and will report it to there client and then hung up on me.
Product: Vehicle loan or lease

CARMAX AUTO FINANCE Account # XXXX ... 
{$4400.00} This account has made it very hard for me to apply for anything. 
CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent.

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, Carmax Auto Finance account # XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures.

I am requesting that you promptly investigate this matter and provide a detailed explanation of how this unauthorized disclosure of information occurred. Furthermore, I demand that you remove all unauthorized information from my credit report immediately, as it is in violation of my rights under the FCRA.

Please provide written confirmation once the investigation has been completed and the unauthorized information has been removed from my credit report. Additionally, I request that you provide a copy of my updated credit report free of charge, as per the FCRA regulations.

Failure to comply with the FCRA regulations may result in further legal action. I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute.

Sincerely,
Product: Debt collection

The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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Product: Debt collection

I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from PFC. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
A copy of any contract or agreement that allegedly binds me to this debt. 
An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse. 

I appreciate your prompt attention to this matter and request confirmation of receipt of this complaint, as well as any updates regarding the investigation. Please do not hesitate to contact me should you require any additional information.
Product: Vehicle loan or lease

During my experience at Ray Skillman Kia, XXXX XXXX, a salesman, actively assisted in fraudulent and deceptive practices in violation of 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ). Despite my good faith in applying for financing, another salesmanaware of my comfort with one individualaggressively placed his hands on me in an attempt to push me out the door. This deliberate action seemed designed to escalate the situation, as they knew I trusted the XXXX salesman and could later attempt to place blame on him if matters became physical. 

Furthermore, Ray Skillman Kia committed unfair practices, including fraudulent misrepresentation to both the bank and credit agencies. XXXX XXXX admitted to misleading me into signing for a credit pull for a vehicle I did not consent to, the XXXX XXXX, despite my clear intent to purchase the XXXX XXXX. These actions, including coercive payment methods and refusal to provide the approved vehicle, violate 15 U.S.C. 1692 ( f ) by charging unauthorized fees, threatening to unlawfully withhold property, and benefitting financially from my credit inquiry without providing me with the approved vehicle. 

The refusal to deliver the XXXX stems from their managers personal use of the vehicle, including storing personal items and using it during breaks. Additionally, their threats of involving an attorney were never followed through, further highlighting their false and misleading representations in violation of 15 U.S.C. 1692 ( e ). This includes falsely representing the nature of the transaction, threatening legal action they never intended to pursue, and knowingly providing false credit information to the bank. 

The use of my personal credit and Social Security number has not benefited me as the consumer but instead has provided financial credit and gain to Ray Skillman Kia. This clear invasion of my privacy violates the Consumer Credit Protection Act ( 15 U.S.C. 1600 et seq. ), which protects against abusive and unfair credit practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX - XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX  XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account # XXXX opened with XXXX XXXX on XX/XX/2022. This account was opened in fraud, and therefore, I am not responsible for the balance of {$1000.00} associated with it. 

I have never leased anything from XXXX XXXX and have no knowledge of this account. It is clear that someone has fraudulently opened this account in my name without my consent or knowledge. I have contacted XXXX XXXX to inform them of this fraudulent activity, but they have not been helpful in resolving this matter.
Product: Debt collection

On XX/XX/2022, I spoke with XXXX XXXX of XXXXXXXX XXXX XXXXXXXX about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " Pinnacle  XXXX XXXX, LLC, '' a group of ER physicians that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from XXXXXXXX XXXX XXXXXXXX, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my memory, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of 2022, I received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Credit card or prepaid card

Fortiva XXXX XXXX charged me on XXXX for XXXX I called them and they said I would have to wait to get letter. I tried to fax to the number on the dispute form XXXX and then on my statement XXXX. 

I called on XXXX and asked to speak to the XXXX, ga office and was transferred to what i thought was XXXX but was an off shore call center. I told that lady that I have mailed my dispute in on XXXX called 7 days later to confirm. They insisted i didn't send it in I then told them about their fax numbers and they advised i did know how to fax but yet I run an Insurance office for over 15 years. 

Then I was transferred to another dept and a lady named XXXX with Id # XXXX answered and all the sudden they found my written dispute today XXXX I have done every step they have asked me to do including going to the XXXX store i shop at and to get the manage on the phone with them to confirm if the transaction took place and the manager confirmed they have no record. 

I believe that they have charged someone else 's transaction to me and they dont want to admit it.