23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX of 2007 I left the United States on a religious trip and before I left I called VW credit to explain that I would be leaving and not be in the US to make my car payment, they were helpful over the phone and suggested I use the one time offer of putting that month on the end of my loan. The representative was polite and explained I would fill out a form of which I did and I was very happy with the out come of my call. When I returned the following month to my surprise I had been sent a late payment notice and I was charged a fee and had a negative mark put on my credit. I attempted for many years for them to remove this error of theirs to no avail. I even paid a company to assist me in handling it which they were not able to do.
Product: Debt collection

I am requesting to reopen complaint # XXXX with Midland Credit Management XXXX XXXX. I am providing a resolution update regarding payment for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit
Product: Checking or savings account

My account was closed by PNC around XX/XX/2022. There was {$5800.00} in my account. I never received the closing check. Tried to contact PNC and filed several complaints but I still have not received the check. I asked them to send via registered check and they promised to do so but never did.
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  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

According to the most recent reinvestigation conducted on XX/XX/XXXX Report Number XXXX, I am seeking clarification on the verification process and the method employed to substantiate the reported information. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), Experian is mandated to perform a reasonable reinvestigation when a consumer disputes inaccurate and unverifiable items on their credit report. I am seeking detailed information on how the recent reinvestigation was carried out, including the method of verification. 

Verification Method : How was the information verified during the recent reinvestigation? 
Specify the method used, whether through written communication, electronic verification, or other means. 
Person Contacted : If a live person was contacted, kindly provide the name, title, and phone number of the individual. 
If the verification was conducted through a phone call, please include the date and time of the call. 
Transcript of Call : If a phone call was made, as calls are recorded, I request a transcript of the call, including the date and time for verification purposes. 

If Experian is unable to provide the method of verification in accordance with the FCRA, it raises concerns about the legitimacy of the recent reinvestigation and I would like all the items DELETED from my credit report.
Product: Checking or savings account

Hi, I was expected to receive a refund on the XXXX of XXXX from the merchant XXXX in the amount of {$130.00}. This has been processing for some time and I fear that this will take longer than expected and that nothing is being done. This has never happened with this company, and given my luck, I am sure that something more is wrong and going on. I have waited long enough and need my money. I have contacted American Express via phone and the agents say that everything is fine, but they have no way of sending a message to whoever is in control of the processing hold on this refund. I never really received any updated info on this, and day after day, the refund is just sitting there processing. I strongly believe something else is wrong here. My email for this account is XXXX and the last four of my social is XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having funds available at the time the transaction were authorized. However, due to delayed posting charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion is reporting An account that no knowledge that is an inaccuracy on my credit I have sent them several letters and the issue was not rectified as yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of XXXX XXXX. Account ending XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.
Product: Student loan

In XX/XX/XXXX I had submitted paperwork to update my public service loan forgiveness. The documents were approved but I was only awarded 2 credits rather than 9 credits. This was even though my paperwork showed I had been working for 9 months at an approved job based on the public service loan forgiveness guidelines. I contacted the people at myfedloan servicing. They said they would have to review each payment to confirm if a mistake was made. They said it 'd take 90 days. After 90 days I contacted them again and they said it could take longer but the would expedite the process. That was 3 weeks ago at the beginning of XX/XX/XXXX. They still have not credited my account for work done or even contacted me regarding the issue.
Product: Checking or savings account

On XX/XX/XXXX, I received a fraud alert from Citibank. I verify that I made those transactions. Some reason they couldnt verify my phone number so they told me they were going to lock my account and send me a letter in the mail to verify my identity. I still have not received the letter. It has been over 45 days. They have sent out four letters that I have not received. I asked them if they could provide a tracking number, because I still have a received letter after three times to provide that I also spoke with a couple of representatives who told me since I didnt receive the letter I can come into the branch to verify my identity that way, so I went into the branch with two forms of identity. The banker called the security team and they said That they couldnt verify me I would have to wait on the letter so this issue still wasnt resolved. Then when I was at the bank, the banker was on the phone with the security team and they said they sent out a new letter to this day, I still havent received it and when I called them all they say is you have to wait on a letter they cant provide tracking or They cant verify my phone number because its not on my record but when I spoke with a few lawyers, they were kind they were confused because I verify my identity in the bank and there they said that most banks dont use public records because thats not really updated so Im just looking for a Fix this problem Please help. Me get my account back. It was on hold for no reason this entire time I told them that I made the transaction but they still put my account on hold Thanks
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the inquiries and address I do not recognize are continued here. 
XXXX XXXX XXXX {$11000.00}
Product: Mortgage

Failure to process home loan application in a timely manner. Informed us 2 days before intended closing date that there was a potential issue with the condo building that requires additional review. Misinformation about this further review process and timeline. 

XX/XX/XXXX : Home loan pre-approved, Mortgage rate locked and we begin to provide application documentation XX/XX/XXXX: All parties agree to move the closing date from the initial date in early XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX : We receive our Closing Disclosure from Bank of America for review XX/XX/XXXX : The week of the closing. Our processor ceases to respond to multiple email and phone inquiries regarding scheduling the closing. 
XX/XX/XXXX : We contact the processor 's manager due to the processor 's silent. We do not hear from the manager either, and only receive contact from only after escalating to our loan office. Processor informs us that there is an issue with the insurance policies and appraisal review that would take another day, pushing closing to XX/XX/XXXX. 
XX/XX/XXXX : Our broker informs us that the seller has been told by his attorney that there is an issue with our loan approval. We message our bank contacts and 5 hours later loan officer calls to say to tell me we did not pass final review at Level 1 and she would have to send up the next level, and further would review would take several days. At no time did Bank of America representatives reach out to us - instead we learned third hand, and when we contacted BoA we had to wait 5 hours for an answer. 
XX/XX/XXXX : We are told by our loan officer, who says she has spoken to whomever is now responsible for review - that the process will take 48-72 hours. 
XX/XX/XXXX : After the 72 hours have expired, we are told it will be another 24-48 hours. 
XX/XX/XXXX : We are told that there will be an additional 1 or 2 business days. 
XX/XX/XXXX : We learn that Bank of America is requesting further documentation from the building for review. We were not given the list of items requested, and seller 's attorney was not aware of this request. Loan officer advised she would get the list to us by XXXX the next morning. 
XX/XX/XXXX : XXXX and we have finally received the documentation list, after calling Loan officer 3 times since the prior afternoon to request it. We are now 7 business days past our intended closing date and this brand new request for documentation will delay us further, with no promises of turnaround time for review.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DATE XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by phone by XXXX XXXX ( XXXX XXXX, XXXX ), who said I was looking for auto insurance for a XXXX XXXX online. I was not looking for auto insurance information, and I do not own a vehicle corresponding to that information. They stated my information was provided to them by a company called XXXX XXXX, whom I have never contacted or otherwise authorized to distribute my personal information. 

I am concerned, as I have previously been the victim of financial fraud after Equifax breaches. 

I pulled my free annual credit reports, and found that today unauthorized Soft Pulls were made for my information through Equifax ( XX/XX/XXXX ) by the following insurance agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXX I have placed freezes on my accounts in the past, and asked all the agencies to put blocks on providing my information for promotional purposes. Despite asking for my information to not be used for promotional purposes, XXXX continues to distribute my personal information to XXXX Interactive on a regular basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Kindly correct or discard the following items right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Product: Credit card

I ordered a blouse twice from XXXX Using another card for the 1st purchase and my Apple Card for the 2nd purchase Never received purchase 1 or purchase 2 Images received from the supplier stating that image 1 was delivered by my door. Never got it so purchased again using my Apple Card. 
Courier this time leaves package in my mail room which is open to everyone there is a a location with locked lockers where courier places packages for all residents XXXX or XXXX does not leaving packages out that would all be stolen if that were the case. XXXX constantly states that I have received both packages sadly Why is this dispute constantly being reversed. Its clear that I purchased the same item twice from XXXX. The order was delivered to my door but I never got it. Thats fine I have to accept that and accept the loss since they've provided an image of my unit showing the package being delivered. Ordered it again and they delivered it to our mailroom where all residents pickup their mail. I did not receive the package the pics are there for both orders and I am not getting my funds back for an error XXXX made the 2nd time for leaving it in an open mailroom, and providing a pic of such. You can clearly see that item was not delivered to my door. How am I supposed to get a package from an open mailroom where sadly people steal. There are lockers there where they were supposed to place the package in the locker like all the other couriers but they left it on the ground This is the 3rd time I have addressed this with Apple, and I just got another letter from them that is not in my favor.

What is the problem this is so unfair I can not believe Apple has no empathy and can clearly see what has happened. Its so simple. 

Ive been dealing with this since XXXX of 2023 its ridiculous and unreal. 

I just want to be treated fairly, and get my credit issued back to my card, as a consumer again I did not receive the merchandise pics are supportive, but not to Apple. Please help. 

Respectfully, XXXX
Product: Debt collection

Today 's Date : XX/XX/year> Subject : Dispute of Debt Collection Dear I am writing to dispute the debt collection that you have placed on my credit report. I believe that this debt is not mine and that I am not responsible for it. 
The account in question is XXXX I first became aware of this debt when I received a collection notice from your agency on XXXX XXXX XXXX I have reviewed my records and have determined that I am not responsible for this debt. 
I request that you provide me with the following information : * The name of the original creditor * The date the account was opened * The date of the last payment * The amount of the debt Any documentation that proves that I am responsible for the debt I also request that you cease all further collection efforts until this matter is resolved. 
I look forward to hearing from you soon. 
Sincerely,