23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a legitimate deposit from my employers payroll account. Bank of America is now holding the entire check amount for no reason that they can tell me other than the fact that because it is a manual transaction. Which is not the case. I get me paychecks deposited biweekly every pay period. This current pay period XX/XX/XXXX through XX/XX/XXXX was not a direct deposit, it was a physical check due to a mess up through my payroll department. I manually deposited my PAYcheck into my local Bank of America ATM. Then was told on the final receipt that my PAYcheck would be be held without reason for over 7 consecutive days being XXXX XXXX, 2019. Unfortunately I have to live paycheck to paycheck but the fact that my 80 hours worked is being held another additional week if VERY frustrating and almost unethical. I NEED my actual paycheck that I am entitled to for my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 someone applied for credit with XXXX without my consent.
Product: Credit card

As a XXXX XXXX customer, I sometimes see the page located at : XXXX XXXX XXXX  If you look toward the middle of the page there is an offer that states : " When you apply directly through your XXXX XXXX  agent , you can earn up to 5 % cash back on insurance premium payments for the first year with any of the XXXX XXXX XXXXXXXX XXXX XXXX cards . '' The issue with that is that my agent does not find a way to accomplish that, so I contacted XXXX XXXX  customer support, and they suggested I contact another agent and or the bank directly. The next agent I contacted stated they could not find a way to provide the special offer. I messaged US Bank on the platform formally known as XXXX, they gave me the phone number to cardmember services ( XXXX ), I pressed XXXX for people who did not have their card, and explained what I was trying to accomplish, she transferred me to a different " financial institution ''. I write it like that because they did not seem to want to identify themselves. Now I am here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Product: Mortgage

I have had continuous issues with PNC over the past year on this short sale. One episode if erratic behavior and requests after another. I am being told they will not allow an extension on the approval because they only allow up to 60 days to close. Reference a past approve issued in XX/XX/XXXX. We could not proceed with closing until the approval was revised to include the payment toward the UCC lien. Which that approval was issued on XX/XX/XXXX, this was not an extension but a complete corrected new approval. I even had to RESUBMIT the complete packet and it was reviewed for a month and then reapproved to include the UCC lien and issued on XX/XX/XXXX.  We were then able to proceed with closing at that time, with that said we are only in a little over 30 days and extending to the end of XX/XX/XXXX with be under the 60 days you are referenced to. 

There isn't any reason why they shouldn't issue an extension on the approval until XX/XX/XXXX as that is within their 60 day to close policy. There is a foreclosure set for XX/XX/XXXX that It feels like PNC is jeopardizing the file to pursue.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX  XXXX Account XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX XXXX XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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. 

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 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

These items have been associated with identity theft of my information. All has been reported to the FTC and is pending investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically XXXX XXXX XXXX section XXXX, emphasizes the necessity for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and a commitment to safeguarding the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information remains confidential, a right supported by XXXX XXXX XXXX, which articulates that it is the policy of XXXX for each financial institution to maintain an ongoing obligation to respect customer privacy and to protect the security and confidentiality of their nonpublic personal information. Under this statute, a " furnisher of information to credit agencies '' qualifies as a financial institution. 

Furthermore, XXXX XXXX XXXX section XXXX ( a ) ( XXXX ) stipulates that a consumer reporting agency XXXX provide a consumer report only under specific circumstances, including adherence to the written instructions of the consumer involved. Neither XXXX nor XXXX, as consumer reporting agencies, possess my consent to disclose my information, nor do they have any written authorization from me. I hereby revoke any and all forms of consentbe it verbal, non-verbal, written, implied, or otherwisethat XXXX have been granted to XXXX, XXXX, or any other furnisher of information to credit agencies. 

Additionally, XXXX XXXX XXXX ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise their nondisclosure option. I was never made aware of my right to opt for nondisclosure. Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) states that, except as permitted under subsection ( b ), no consumer reporting agency XXXX produce a consumer report that includes certain adverse information. 

It is prohibited by law. According to XXXX XXXX XXXX XXXX ( A ) ( XXXX ), " No individual shall provide any information pertaining to a consumer to any consumer reporting agency if the individual is aware or has reasonable grounds to suspect that the information is inaccurate. '' Furthermore, XXXX XXXX XXXX XXXX mandates that " Each consumer reporting agency must implement reasonable procedures aimed at preventing violations of section XXXX of this title and to restrict the provision of consumer reports to the purposes specified in section XXXX of this title. '' It appears that XXXX and XXXX are failing to uphold reasonable procedures. Additionally, XXXX CFR XXXX asserts that " A consumer has the right to opt out at any time. '' Therefore, I am exercising my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Student loan

I dealt with XXXX, the rep at Sallie Mae, on XX/XX/24. 
I have XXXX income. 
I was denied forbearance. 
I was refused further assistance unless I default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated asked the credit report agencies- XXXX, XXXX, and Equifax - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Product: Debt collection

Midland funding LLC At XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX Has been sending me collection notices in the amount of XXXXthe collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with Experian. 
1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020. 

I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with Experian letting them know that this company should not be on credit report. They replied with the same result. 

Nothing is being done by them. I sent a letter to XXXX XXXX, that they do not have right to charge or report this false information on my credit report. 

Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : XXXX XXXX, XXXX. 

I am replying to them disputing the notice they sent me. 

Please help me fix this. It is severely hurting my credit score.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.