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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

On XX/XX/2022, my car lender : Honda Financial Services required me to pay a lump sum amount of " fees '' in order for the title to be release to me. I made a payment using my debit card in the amount of quoted amount for {$1200.00}. The customer service representative claimed that my title would be mailed to me in 2 weeks - but it could take up to 4 weeks.

After 6 weeks I had not received my title, I followed up with Honda in XXXX and customer service representative stated they had a glitch in their system which caused the title to not be sent. They explained they would submit a " ticket '' requesting the title be released, and to " allow 2 weeks ''.

I followed up with Honda in 4 weeks, XX/XX/2022, as I still had not received my title. The Honda representatives explained they had serving issue that caused the title to not be sent. They would submit a " ticket '' to have the title released. They promised that it would take 3-5 days to process, and I would have my title mailed.

Two weeks later, XX/XX/2022, I still have not received my title. I called the Honda call center and agent explained all other agents had not fulfilled " tickets as they should '' and that she would " submit another ticket '' to get my title released. 

It is going on 4 months since I paid off the fees, they required me to pay yet I have not received my title.
Product: Credit reporting or other personal consumer reports

XXXX mortage XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX
Product: Checking or savings account

I was supposed to receive a direct deposit via my checking and savings account. There has been some technical difficulties with Capital One dispensing direct deposits. I spoke with a representative yesterday that said the funds should be available next day at XXXX. It is now the next day and still no direct deposits nor communication from Capital One.
Product: Payday loan, title loan, or personal loan

They are charging me way over the legal limit for interest. I'm paying XXXX twice a month on a XXXX loan. Until 2024
Product: Credit card

In XXXXXXXX XXXX I wrote a convenience check for {$3600.00} to take advantage of a promotional 0 % interest offer from PNC Bank on my business credit card account. The check posted on XX/XX/year> to my account. Since that time, PNC has been violating the Federal CARD act by applying! 00 % of my payments to the 0 % interest rate balance, while applying {$0.00} to the purchases balance which are accruing an 18.24 % interest rate. 
I have made multiple attempts to get the bank to correct the way they are applying payments. On XX/XX/year> I was able to speak to a representative that took a close look at the account. He identified and confirmed that I was correct about how the payments were being incorrectly applied. At that time the account was referred to the executive/corporate office to be corrected. Since that time I was contacted by XXXX XXXX through an email and multiple messages left on my voicemail ( many being inaudible as she mumbles so quietly that she can't be understood ). I have never been able to actually speak with XXXX XXXX as she has never answered her phone when I have called ( multiple times ), nor does she return calls at times when I can answer them despite my leaving messages explaining that I can not answer the phone while I am working, but I am available to speak on the phone at anytime on Tuesdays ( my day off ). I have also attempted to speak to other associates in XXXX XXXX 's office, but I have been told by them that I MUST speak to XXXX XXXX. 
I am attaching copies of the original promo offer from PNC, all statements on the account since the promo balance posted to the account, and my hand written notes from all attempted and completed communications concerning the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported fraudulent use of my identity that was used to open a XXXX account in XX/XX/2017. I have not had a XXXX phone account in over 14 years. The account was only open for a month from what I see and we had XXXX XXXX phones for years. I have attempted to dispute this with XXXX as well. I am trying to build my credit up but none of the credit bureaus are helping me to get negative Marks off when they need not be there.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. 

Recently, I discovered that several hard inquiries were made under my name without my consent or knowledge. These inquiries, listed below, do not correspond to any credit application or financial activity that I have initiated. The following hard inquiries are unauthorized : 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 

I kindly request your urgent assistance in removing these unauthorized hard inquiries from my credit report as soon as possible. The presence of these inquiries not only misrepresents my financial behavior but also significantly impacts my creditworthiness. 

Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Product: Debt collection

I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.
Product: Credit card or prepaid card

I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 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 reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I notified Transunion of a fraudulent file in my credit report, this was filed on XX/XX/XXXX and I was notified that this dispute was denied, I contacted the company in question to request supporting documents and they were unable to provide these to me. I was only recently made aware of the fraud that is what caused me to file a dispute, the original creditor was XXXX XXXX XXXX. I also contacted XXXX directly to request supporting documentation and proof of my signature on any loan applications or documents but they were also not able to provide these to me. I am asking that this account be removed in its entirety from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have attached the necessary documentation regarding this matter. 

We were involved in a contract dispute with XXXX XXXX and we were disputing any " debts '' owed to them. They illegally placed us into collections with Aspen. 

We sent a letter to Aspen alerting them that this " debt '' was under a legal dispute and under the Fair Debt Collections Practices Act it was illegal for them to report negatively on our credit. 

They have refused to remove the illegal derogatory marks on both mine and my husbands credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Head, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX Account # XXXX .... 
XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company XXXX months ago, stating that I am exercising my right to opt out of their reporting of this account, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and Experian are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Checking or savings account

My Father XXXX XXXX in XX/XX/2018 leaving me as a beneficiary on his Traditional IRA. After multiple attempts at going into the branch to attempt some instruction on how to obtain the money I was finally told that the IRA deptartment would be sending me further instructions in XX/XX/2018 XXXX the people at the branch wouldnt let me talk to the IRA dept, nor would they give me any information whatsoever ). I received a letter from Bank of America a few weeks later stating we are unable to process your transaction at this time. This left me baffled as I wasnt trying to process anything, I was waiting on instructions from the IRA dept. So I called the number listed and after having to transfer to the fraud dept to even get a real person to ask a question to, found out the IRA dept. didnt work weekends even though the paper they sent me had weekend hours. I was told they decided to change their hours but failed to update their correspondence! I called back Monday, XX/XX/2018 and talked to XXXX XXXX who advised me I had to open my own money market IRA BEFORE they could release the funds to me that were left to ME as a beneficiary. He completed this over the phone and advised me he had also completed the beneficiary disbursement form that needed to be done in order for the money to transfer. He advised it would be about 14 business days and I should receive a check with my disbursement. As of XX/XX/2018 I still had not received a check so I called again and was advised the beneficiary disbursement form was never filled out or it was lost, so the money was never transferred into my account at all. Still waiting on a call back from a supervisor as to what happened now that I have waited over a month while they hold MY FUNDS hostage because they havent done what they said they were going to do on multiple occasions. This company has XXXX XXXX and lied every single time I have been in contact with them and none of their employees understand how any of this process works. I am absolutely appalled at how I have been treated through this whole process especially after losing my Father.
Product: Mortgage

Starting XX/XX/XXXX I applied for the covid-19 relief program with my mortgage provider LoanCare. It would make my payments lower and ease the burden during this time. While going through the process I did everything correctly, filled out all the paper work and gave them what they needed. I was told to wait 30 days before making my next payment because it would be the new amount and if I made that new amount payment each time in that program that it would be my new mortgage rate. I noticed that in XXXX it was showing I was deliquent in my payments, which I was not and I could not get a hold of any one to speak with to explain for a few weeks. I then spoke to a rep who said that everythign was fine and that happens because of the program but they are getting my payments. I started emailing Loss Mitigation at that time as well starting XX/XX/XXXX and I STILL HAVE NO HEARD BACK FROM THEM. I have called many times and gotten many different answers and information, I have emailed many times with no response. Their ticket system says someone will get in touch with me but they do not, I had to keep calling. This past week I got a hold of a representative who told me I had missed 3 payments, XXXX, XXXX and XXXX of XXXX. I was furious ... But I did what they told me to do and I sent them my bank statements that show all my payments were made. When I called back the next day to get a letter stating this mistake, for them to take this off my credit score and fix this I was then told by a manager on XX/XX/XXXX that I was given the wrong information and that I actually missed 2 payments one for XXXX and one for XXXX. I went back to my bank statements and emailed them again showing I have made my payments and that XXXX was when the covid-19 program was being processed so no payment was due. I was told to contact Loss Mitigation again and I explained no one has gotten back to me from them since XXXX. I made each payment on time and at the end of the payments in XXXX my mortgage went up by over {$400.00}. I am not in a situation where this is effecting my life and opportunities for me because it shows I missed payments which I did not and my credit score. I have never experienced this in my life! and I feel so helpless and then they raise my mortgage on top of it! I need help!
Product: Debt collection

I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.
Product: Debt collection

A complaint was submitted to CFPB on XX/XX/2020 after certified letter debt validation letters where sent to IC SYSTEM ON XX/XX/2020. IC SYSTEM responded on XX/XX/2020 to my complaint with a credit removal document with corrected spelling of my name, and stated that this would no longer be reported and it would be removed off of all credit bureaus. As of XX/XX/2020 the following debt still appears on XXXX  and XXXX. XXXX XXXX  XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

XXXX XXXX/XX/XX/XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XX/XX/XXXX XXXX/XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX, Transunion and XXXX remove the following collections without success. 

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. 

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX & XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Debt collection

The bank-XXXX put accidentally a stop payment on 100 of my checks not 10. I wrote checks to XXXX who sent them to XXXX. XXXX has never sent me a written notification about the checks. They ran the payments thru my account a second time but charge me {$60.00} per checks fee. I paid the amount and requested for them to send me proof of payments and the amount I paid in return fee 's, they informed me 1st they don't send those type of letters. I then ask for them to send me the paid n full letter. they then told me their systems was down, after I demanded they send me the information.