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

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/year> and found names that appear to be incorrect. There should be no variations listed because my name has none and according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. My photo identification card is uploaded to show the correct and only spelling that should be reporting. 


Experian continues to report my name after 2 different disputes online and via phone.
Product: Mortgage

I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX
Product: Mortgage

I had extensive work done on my house last XXXX. The insurance put PennyMac on the check as well so I sent it to them for endorsement. I paid {$3000.00} out of pocket for the work, but still owe almost {$4200.00}. For the past 6 months, PennyMac had me jumping through hoops, submitting a ridiculous amount of unnecessary paperwork. I submitted everything they asked for. They continuously gave excuses for why they would not release MY funds. Documents they previously accepted suddenly had new issues. I resubmitted everything. I had their people do the final inspection they required, yet they still refuse to sent my funds. The work was done almost a year ago and they still have excuses for not sending me my money. The final inspection has been done since XXXX. I will be happy to have my XXXX file a complaint too, because they have suffered this inefficient companys circus as well.
Product: Credit card or prepaid card

In the month of XX/XX/2023, I made my regular payment to my American Express credit Card. In my XXXX statement, I notice a late fee of {$29.00}. I called American Express stating I had a family emergency and I believe I made my XXXX payment on time I see a late fee in my XXXX statement and I was for the late fee to be waived. 

American Express did not help me and told me their system is not allowing them. 
I am disabled with a limited budget, I am not asking for anything unfair, I just want Ameridan express to remove the late fee. I always made my regular payment with little extra on it.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Appearing ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Addresses ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX XXXX' After Contacting Creditor Directly ( XXXX XXXX XXXX XXXX, TN XXXX ) And ( XXXX XXXX XXXX XXXX XXXX, AZ XXXX ). I Uploaded A Picture Of My Government Issued ID That's Attached For Current Correct Address Including IDTheftReport From XX/XX/20 And Updated Corrected Consumer Statement : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION XXXX BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX. 

XXXX XXXX : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to 15 USC 1692d. I have attached a copy of my FTC and Identifiers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} Transunion is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX : {$3700.00}
Product: Credit card

TD Card Retail Services has failed to apply payments timely and has used my credit report improperly. They have violated my rights under 15 USC 1681, section 6o2, which states I have the right to privacy. Under 15USC 1666b, a consumer reporting agency can not furnish an account without my written instruction. A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. These violations of my personal rights occurred on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. And now, again, I am hold with this company and they are about to report another late payment for which I have a cleared check, as you will see below. 

I called TD Card Retail Service on XX/XX/year> trying to update my phone number to recognize my account in their system and to discuss that their records showed they had not received payment. I was placed on hold after providing the updated phone to customer service and the call was dropped. I called back attempting to reach someone and waiting on hold for over an hour before having to hang up. I tried their website that they prompted to handle card issues online at www.myTDfinance.com and the website was flagged as spam on the government agency computer I was using. 

I called TD card retail again today to ask for status update. I had submitted a complaint to them specifically through their dispute process in XXXX and had not heard anything back. Yet again, their system did not recognize my phone or account number. When I was finally able to reach a person after holding for 40 min, they advised I had a past due amount of {$210.00} and payment had not been received since XXXX?? However, I had checks reflecting in my bank statement that payments were received XX/XX/year>, XX/XX/year>, XX/XX/year>, and again on XX/XX/year>. Their card service advised me that I was not showing any payment made and was past due. I advised that check # XXXX had just cleared my bank in the amount of {$350.00} on XX/XX/year> and asked how it was possible that it's showing as late. The service agent then advised that they did see and said they were " transferring me to customer service ''. I had already been transferred six times when speaking to them and was placed on another long hold. Currently I have been on the phone for 56 minutes without the issue resolved. It is still showing late fees and payment owed with negative activity on my credit report. 

This issue with TD Card Retail Service has had a significant impact to my credit score. I went from a XXXX in XXXX of this year to a current XXXX due to late reflecting on the credit report and a closing of the account recently reflecting on the report, which lowered my available credit by over {$7000.00}. Their agency states the account is showing as open on their end. I am trying to apply for a home loan and this is preventing me from being able to get approval at an affordable interest rate for my family. I am a single mom and sole provider for my household with XXXX children, XXXX XXXX XXXX XXXX XXXX XXXX. I need this issue resolved with them as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX I was a victim of online banking fraud I immediately called Wells Fargo to get it handled they closed my account and opened a new one. A few days later they transferred XXXX dollars into that account for partial payment for the money that was stolen from me and that the account was now officially closed. Wells Fargo sent a check in the amount of XXXX dollars and said it was mailed to me on XX/XX/XXXX I hadnt received it mid XXXX so I went back to branch at Wells Fargo they spoke to someone on the phone and stated if the check hasnt came by XX/XX/XXXX to call back or go back into the branch ( I do have recording of my interactions with the branch ) here we are XX/XX/XXXX and I still have no money so I contacted them today. I spoke with XXXX at Wells Fargo customer service she looked into it and stated she has no record of no check being sent out and that its the branchs responsibility the branch says its theres I keep getting the run around also I dont understand why they would send a check in the mail like regular mail especially knowing Ive been a victim of fraud i should have been able to pick up at the branch or it should have been mailed certified mail and require a signature because XXXX XXXX Wells Fargo also stated they have no way of tracking the check at this point the branch is no longer willing to help us they have us waiting for hours. I also was going over the financials and there is still XXXX dollars still unaccounted for that just magically disappeared according to them. I have XXXX  and because of all this stress I have been getting XXXX XXXX which in turn can land me in the hospital or worse.
Product: Debt collection

The company continues to call me after several statements telling them to stop calling me from a local number when they are not a local company. I previously explained that I would not talk to them because I could not verify they were with the company because the number did not search as belonging to them nor did they have an office in my area. They continued to call from the same number. They also continue to call my office after being told not to because I can not accept personal calls at my place of employment. 

Last call answered was XX/XX/2022 Calls to my employer have been daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized collection reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/2018. I was previously a victim of identity theft and this collection is fraud. I a demanding for this be removed from my credit report due to it being against the law to report unauthorized/verified things on my credit report
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a full investigation and validation of the derogatory items listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit file, and I expect these items to be verified in full compliance with the law, specifically 15 U.S. Code 1681s2, which mandates that furnishers report accurate information to credit reporting agencies. 

Please validate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you provide the following details for each account : Date Opened Date of Last Payment Date Reported Date Closed Account Status Balance
Product: Debt collection

Barclays XXXX XXXX card has been a total nightmare. 
They put fraud on my card of over {$10000.00} and never fixed it. 
They tell me the fraud is my fault, when the card was stolen and I did nothing wrong. 
NOW, since we were victims of Hurricane Helena, we have been without a home for XXXX XXXX and all I have asked for is my password to be reset because mine is not working. 
I have been calling them spending hours of my work day on the phone with their highly uneducated staff which NEVER resets my password and won't let me log in. 

I have begged XXXX XXXX in their fraud dept as she was handling the claim, but she has done nothing to help my family and now they are attacking my credit, when all I have done is paying {$7000.00} towards the debt that is not mine. Barclays marked me down for a late payment when I paid the month earlier. They have been nothing but evil and now they will not let me log in SO THE INTEREST is piling up! Please give me a list of lawyers who can help me fight this company.
Product: Checking or savings account

at XXXX est on XX/XX/2021 I have been unable to login and access my brokerage account where my assets are held.
Product: Debt collection

I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX  XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter leased a car and I co-signed through a dealership. GM Financial financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out GM financial had reported a late payment. Through many calls and emails between the dealership and GM, after GM tried to blame the dealership it was discovered and proven that it was a mistake that GM made. Every time I try to find out why our credit is still not fixed after 2 months GM basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized hard inquiries made on my credit report by the following entities on XX/XX/2024 : XXXX XXXX ( Finance ) - -XXXX  XXXX Via Dealer ( Finance ) - -XXXX  XXXX XXXX XXXX- These hard inquiries appear on my credit report without my knowledge or consent, and I did not authorize any credit applications or services from these companies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. These inquiries do not meet these criteria and, therefore, must be removed from my credit report immediately. 

Additionally, under FCRA 15 U.S.C. 1681c ( a ) ( 2 ), credit bureaus are required to report accurate information. The presence of these unauthorized inquiries is a clear violation of this provision, as they inaccurately reflect my credit activity.

Furthermore, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. Given the unauthorized nature of these inquiries, I demand their immediate removal from my credit report. 

Failure to address this matter promptly will result in further action, including the possibility of pursuing legal action for damages under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act.

I request that you take immediate action to remove these unauthorized hard inquiries and provide me with written confirmation that they have been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, original creditor have been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER
Product: Debt collection

Knight Adjustment Bureau discontinued an action to collect debt and removed debt in XXXX for XXXX XXXX That's been disputed for being from XXXX. Like I stated was removed then opened again in XXXX. 
I've reviewed my account to see the account was opened again in XXXX. The original date goes back to XXXX. I've disputed twice, and have received no letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I sent TransUnion letters in reference to their method of verification for negative items on my credit report. I specifically asked for detailed information about how they verified those accounts. The company failed to provide the required information to me. I only got an email with a vague description of their process, and another email saying that there were no changes made. TransUnion is violating my rights under the FCRA by not providing the information as requested.