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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX  XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
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 want all of these fraudulent unauthorized inquires off of my report.
Product: Prepaid card

I received an email from American Express Serve stating that I had a negative account balance. After reviewing purchases I noticed that serveral charges had been charged twice to my account. I called AMEX serve to try and resolve the issue only to find that XXXX could not get through to customer service due to technical difficulties. This went on Friday, Saturday, and Sunday. Sunday the issue was resolved without any notification or explanation as to what happened. Then on Monday the issue resurfaced once again and after holding for two hours I was able to get through to an agent whom blamed the store for charging my card twice although they only swiped once. After a dispute was opened I was then transferred back to the customer service department in which I would attempt to address the issue of both current and previous duplicate charges and what they could do to take care of the late fees I incurred by not having access to my funds. I was told they could do nothing and then was hung up on because I recorded the phone call. This issue first occurred from Wednesday and lasted until Sunday.
Product: Debt collection

XXXX XXXX XXXX This account is not mine. This account is fraudulent. I have never had a loan with this company. 

Experian is not reporting and doing a proper investigation. They have not shown me proof of this account to be mine. They will not send how they came to the conclusion. They will not say who they talk too. They are relying on computer generated answers. They are not showing any proof.
Product: Debt collection

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called XXXX  directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, XXXX will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Product: Debt collection

There is an debt on my credit report that they say I owe I never opened a XXXX account in XXXX when it says it was opened, I never received any communication prior to disputing the debt that I owed a debt to them. There has been no communication at all including phone calls. I went through a divorce and this could be part of the debt if there is even any.
Product: Credit reporting or other personal consumer reports

The companies do not have the right to report the inquiries since they lack any permission so please DELETE them right away. 
Inaccurate Address : 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 reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account NAVY FCU - XXXX, NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 ITEMS. 

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 reporting or other personal consumer reports

I have several accounts currently in dispute and I have been unable to get assistance on how to support my argument with the police report evidence that pertains for a fair investigation.
Product: Credit reporting or other personal consumer reports

In 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions. it clearly says the term Consumer Report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So for any of the accounts on my credit reports that consists of late payments, charge-off 's, credit utilization etc. why is this information on my credit reports?
Product: Credit card or prepaid card

My issues is that Target sent an unauthorized payment to my bank in the amount of {$28.00}. I attempted to call the customer service line and was unsuccessful at getting through, I then called my credit union and notified my branch that a duplicate payment had been sent to my account. 
After filing the dispute and receiving the funds back to my account, I then reach out again to Target. I explained what had happened. I was told by their customer support that I was being charges a fee for a returned payment and they would not adjust this fee. I was told that the payment was sent by an auto pay. Auto Pay had been suspended in XX/XX/2020 and for 3 month did not automatically sent a payment to my Credit Union. Furthermore, I would told the auto Pay was only temporarily suspended so it was my fault. First I was told the suspension was for 30 days. then 60 days, In fact, I took it off on XX/XX/XXXX, Screenshot the notification, and called Target to verify it was cancelled. I was not notified it had been turned on nor did it show up when I made a manual payment. 
I made a payment every month! I had told Target I was possibly filing bankruptcy in XXXX and closed the account in XXXX. Three weeks later the auto pay restarted ; sending two payments to the credit union. This is an unfair charge which they have indicated quite clearly that they will not do anything to resolve.
Product: Checking or savings account

Dear CFPB I am writing to formally request assistance resolving an issue with Truist Bank regarding a promotional offer that has not been honored. 

On XX/XX/year>, I opened a checking account with Truist Bank under a promotion offering a {$400.00} bonus for new customers. Upon completing my account setup, I received an email confirmation stating that my opening deposit was successful and that my promotional code ( XXXX ) had been applied. I subsequently met all the qualifying deposit requirements ; however, I have yet to receive the promised bonus despite the timeframe for disbursement having passed.

Approximately two weeks ago, I contacted Truist Bank regarding this matter. The first representative I spoke with claimed that the promotional code was not attached to my account, which is why I was not eligible for the bonus. I informed the representative that I have email confirmations from Truist Bank explicitly stating otherwise. Despite this, the representative refused to honor the promotion.

I then requested to speak with a manager and was transferred to XXXX, who identified herself as a supervisor. I explained the situation to her, and she assured me that she would investigate and follow up with me. However, I have not received any further communication from Truist Bank. 

I believe this situation constitutes a " bait and switch '' tactic, as I was enticed to open an account under the promise of a promotional offer that the bank has since failed to provide. I would greatly appreciate any assistance in resolving this issue and ensuring that Truist Bank honors its commitment. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed disputes to XXXX, XXXX, and Transunion. As of the filing of this Complaint I have not received a response. I understand that this situation is highly unlikely since the Agencies are all separate entities. There seems to be a much larger issue that violating the FCA.
Product: Credit card

I am writing you again in regards to the two late payments on my credit report to have them updated correctly I am attaching my bank statements that show on time payments as requested in the letter attached I request that my bank statements only be used for the purpose of validation of payments and no other information be used for any other purpose thank you and I look forward to hearing back from you in regards to this business matter
Product: Credit reporting or other personal consumer reports

They are reporting information that is not metro 2 compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

I am the Victim of identity theft. I have never authorized the following inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i. 

Notice of results of reinvestigation ( XXXX ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

PHH Has been trying to stick me with a {$77.00} appraiser fee that they allege was done 10 years ago when I had missed two payments. They said this was customary and that it was necessary for somebody to come out to the property and see if it was all crapped up. I dont know what they expected to ascertain from looking at a balcony on the eighth floor. They certainly didnt enter the unit. Over the years I told them Id be happy to pay the fee but they needed to provide me proof that this appraisal was actually done and that it was not bogus. I requested photos and notes. None was given. Last month they told me they would take the {$77.00} off and as of today they had walked back the agreement for no good reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 
XXXX XXXX XXXX XXXX XXXX Charged Off Account Balance {$33000.00} I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 
The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report.

Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.
Product: Debt collection

Portfolio finance I set up payment arrangements, and they have taken funds from my account. 
i have called them for 2 months, was told they would close court case. They never sent the attorney docs for me to sign. 
They are taking me to court even though they are already taking payments from my bank account. 
I've called them several times, asked for manager to call and asked for attorney to call. they never have and my court date is today.
Product: Mortgage

I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. 

The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. 

PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). 

What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d
ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower.

This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake.
Product: Credit card or prepaid card

I purchased XXXXXXXX XXXX on XXXX last year, and it took them over 6 months to arrive. When they arrived, the cells looked to be in new packaging ; however, it turned out that they were repackaged and clearly used cells with severely diminished capacity. I filed a fraud complaint with Capital One, and they sided with XXXX despite the over 15 pages of evidence, dozens of phone calls, and extensive reporting. Online forums have shown that XXXX and XXXX have switched shipments to used repackaged cells to American consumers, and only Capital One sided against the consumer. I have the entire evidence packet, and I will send the information upon request. 

Purchased : XX/XX/XXXX Received : XX/XX/XXXX Claim Filed : XX/XX/XXXX I submitted a complete faxed packet of evidence on request, but Capital One claimed they never received it. I sent the information via email, and it took 5 attempts to get the uploaded information into evidence.
Product: Debt collection

Portfolio Recovery placed a collection on my XXXX account that has been disputed and can not validate the account per the CFPB CONSENT ORDER rules and agreement as follows as attached. 
1.Portfolio Recovery is misprespresenting the debt on my credit report as attached and without validation. 
2.Portfolio Recovery can not provide account level documentation and do not have enough information to investigate the account they claim to be able to collect per their letter to me XXXX XXXX, 2016 and in response to my letter to them XXXX XXXX, 2016 both are attached. They want me to provide the information to that they do not have. 
3. I never opened a XXXX account. 
4. They never sent copies of any validation such as requested in my letter to them XXXX XXXX, 2016. 
5. They are violating the Consent Order XXXX as outlined in my attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.
Product: Credit card or prepaid card

Was not getting any of my benefits only was reviving it for 3 months also having trouble with my debit card when I went to make a purchase always said declined Bank of America all ways gave me issues