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

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan.

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

In the letter dated XXXX XXXX, XXXX, American Express has informed me about the closure of the American Express Delta SkyPoints credit card effective XXXX XXXX, XXXX. This credit account was opened on XXXX XXXX, XXXX. 
This action, initiated by American Express, will negatively affect my credit score because of the two reasons : ( 1 ) closure of the existing account, and ( 2 ) decrease of the total amount of available credit. 
After speaking with American Express on XXXX XXXX, XXXX, I requested to transfer this account to a different credit card product to avoid the anticipated negative effect on my credit report. American Express declined and offered no solution. A formal complaint with American Express was filed on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to theXX/XX/XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

PHH mortgage has my mortgage. I had hail damage on my home. When I called to file a claim I discovered that PHH had failed to pay my premium from my escrow despite having received letters from the insurance agency stating they hadnt received payment and were going to cancel the policy. They then stated they had put their own policy in place but have yet to approve an adjuster to come assess damage
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove a charge off on my credit report from XXXX XXXX  for XXXX Experian wont remove it - it is not my account Thank you XXXX XXXX
Product: Checking or savings account

Navy Federals authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of Navy Federals complex processes related to the posting of transactions and whether they will incur an overdraft fee.
Product: Credit reporting or other personal consumer reports

Fraudulent Account : XXXX XXXX XXXX Account # XXXX An auto loan was fraudulently obtained in my name due to identity theft. I did not authorize this loan or purchase the associated vehicle. This loan was not opened by me, and I only discovered it after noticing it on my credit report. The vehicle has since been repossessed, causing further damage to my credit. I have already disputed this with the lender, but the issue has not been resolved. I request the CFPBs assistance in removing this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called sometime last year because my credit file disappeared from my credit report making my credit non-existing with Experian. I was told my credit file should reappear within 24-72 hours. I thought the problem was resolved until a week ago I applied for a mortgage loan. My loan officer informed me that she was not able to pull my credit report with experian because it comes up as ***no record found***. So I called them ( experian ) at about XXXX XXXX and was on the phone with them on and off until about XXXX XXXX  on the same day. On the final call I was told that I need to send them my updated information the fix the problem at experian.com/upload ; well the website does not work. I tried to upload my information numerous times EXACTLY how they explained to me unsuccessfully. Now here I am on Sunday, XXXX, still trying to upload my information and it keeps telling me that I need to upload a black and white copy, or tiff or pdf. Both documents ARE black and white and they ARE tiff. When I upload tiff it asks for black and white. So I called again and they told me that I needed to mail them a copy instead and will be informing experian that the website is not working. 

My issue is that I already selected a house and just need to get preapproved for my mortgage loan. But without the experian file being pulled, I can't. My information has not changed at all and experian is telling me that all credit reports have to match all across. Well my credit report never matched all across and I never had an issue before. My experian credit report disappeared XX/XX/2021 and I haven't been able to have it pulled since. I begged them to please fix it and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX  # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Mortgage

On  X/X/17    I requested a payoff quote from my loan servicing company,  XXXX , because I am refinancing my loan ( which has a  1st & 2nd put together ). O n their payoff quote, they are charging me {$200.00} for each release. I called the Washington  XXXX   XXXX   County Auditor  's office and was told the fee is only {$73.00} for th e 1st p age and {$1.00} per page after that, but re-conveyances are only usually  XXXX  page, and never cost {$200.00}.   Today,  X/XX/17   , I called  XXXX  asking why the fee is so high when the actual recording fee is n't that much & according to my DOT am not responsible for the Trustee fee. They said no, that across the board, Washington State reconveyance fees are {$200.00}, and if I do n't want to be charged that for each of the releases, I have to have the recording department in the auditor 's office fax them otherwise. Which ... of course they just told me to have   XXXX   look at the their web page ... which of course  XXXX  wo n't do.   I AM BEING OVERCHARGED AND CANT ' DO ANYTHING ABOUT IT.
Product: Checking or savings account

On XX/XX/2023 I used The Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. 

I tried to withdraw {$680.00}, my account was charged for the amount plus transaction fee however no cash was dispensed and an error message appeared on the ATM machine screen. 

I went into the Wells Fargo branch directly after and was told there was nothing they could do about it as they do not service their ATM machines.
Product: Credit card or prepaid card

Synchrony Bank took a double payment only one of which I consented to. Placing my bank account in negative and costing me fees for a charge I did not authorize. They have stone walled me on fixing their mess up.
Product: Debt collection

I contacted Kohls/Cap one on XX/XX/2020 in regards to an account reflecting on my credit report as a result of identity theft and that the account needs to be investigated and removed from my credit report the representative I spoke with didn't give me any information to get the account rectified but just asked for my information.
Product: Debt collection

I keep getting an email from pnc bank about XXXX dollar debt that I know nothing about. its identity theft.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding the gross inaccuracies on my credit report and to request detailed information regarding the steps your institution has undertaken to ensure the complete accuracy of the disputed items, as required by 15 U.S.C. 1681i ( 7 ) Method of Verification. Per 15 USC ( 6 ) ( B ) ( iii ), your agency is legally obligated to provide a comprehensive account of the reinvestigation process, including : - The specific business name and address of each entity contacted for verification - The persons name with whom the verification was made - The complete documentation used to validate the disputed information.

This information must be provided within 15 days from the date of this request, as specified by law. Failure to do so will constitute a violation of your statutory responsibilities under the Fair Credit Reporting Act ( FCRA ). I previously instructed your agency to immediately block and remove all fraudulent information from my credit report and to provide me with an updated report. However, despite these clear directives, the following inaccurate items persist on my credit file : XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Capital One Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to Capital One credit card fraud department XX/XX/XXXX. Capital One stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX   that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

took my ftc off and added as a debt collection fcra violation XXXX  and transunion XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was sent a bill for charges remaining after moving out of my apartment. I did not agree with the charges, so I sent the original creditor ( XXXX XXXX XXXX ) a certified letter requesting verification of the charges. They received the letter, but never responded. Instead, they transferred the alleged charges to Professional Debt Mediation , Inc. ( PDM ) in XXXX, FL. PDM contacted me and I immediately responded with a certified letter requesting the same debt verification that I asked of the original creditor. We corresponded on a few occasions ( all certified ) but the specific information that I requested to prove the charges was never provided. I was able to do some research on my own to verify that all of the charges were not valid, which is why I insisted they provide further verification. My last correspondence with PDM was on XXXX/XXXX/16 in which I requested information and enclosed a money order for the only amount that I could verify was due ( which was later returned to me by PDM ). I did not receive any further communication from PDM regarding collection activity on this account and no one from PDM made any further attempts to verify this account. On XXXX/XXXX/16 I received an alert that the full charges were added to my credit report as unpaid. I am filing this complaint ( against both XXXX XXXX and PDM ) because I did not receive verification of this debt. I know for a fact that all of the charges are not valid and as a consumer I have the right to dispute charges and they should be appropriately investigated and confirmed before taking collection actions that adversely affect my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, XXXX, and Equifax comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank name and branch address : CITI BANK, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX XXXX ). 

On XX/XX/year>, I requested a copy of my direct deposit details for my XXXX account. On that day, following the teller 's instructions, I provided my diet card and entered my PIN, and shortly afterward, she ( the XXXX female teller ) issued a direct deposit notice. Unfortunately, the information provided by the teller at the counter was totally incorrect ( WRONG ROUTING AND ACCOUNT NUMBER, Upon discovery, I approached the manager of the bank to talk and provided my debit card and the date I requested that direct deposit information the bank manager later confirmed that no one had accessed my debit card before she viewed it. So, I also questioned how the bank clerk issued me direct deposit information that day ). As a result, when XXXX paid my rent, the funds were ACH transferred to the wrong account ( another person 's account ). More than XXXX dollars going to another person 's account due to a teller mistake. ' Upon discovering this, I returned to the bank and spoke with the manager, who assured me the issue would be resolved within 15 business days. However, it has now been several months ( now half a year ), and I have not received any updates on the status of the matter, and no one has followed up on this. 

I would like to provide supporting documentation ( I still keep a copy of the wrong direct deposit notice issued by Citibank ). I really need someone to look at this, resolve it, and recover my money! 

I have contacted the bank in several ways, but so far, to no avail. I believe the bank has a record of my case, and I have provided the bank with several documents proving that the money belongs to me. My request is to ask the bank to restore the money that was wrongly deposited into someone else 's account to my account as soon as possible, as it was caused by the bank 's fault. I ask the bank to recover the money for me as soon as possible.
Product: Student loan

on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware statutory trust filed a civil court summons and complaint against me. The amount is for {$24000.00} I went to court XX/XX/XXXX and their outsourced attorney did not have any documentation that i owed XXXX nor that they bought the debt from any other lender. He only had the application or loan agreement for a different lender, XXXX XXXX i believe, for {$15000.00} or less. The attorney suggested I call XXXX and try to negotiate directly with them and another court date was set for XX/XX/XXXX. XXXX has not responded to any if my attempts to reach them. I understand they have a history of bringing lawsuits illegally against consumers, please advise what i can do to see if I am one of those situations. Thank you