23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There was unauthorized access to my PNC bank account and a unauthorized transfer of money was made totalling XXXX USD the transfer was made via XXXX, and it was done without my knowledge, and without my permission. My PNC has told me that it's against XXXX 's policy for them to do anything about it. After calling XXXX and explaining to them the situation and what happened exactly their representatives told me that it isn't against their policy for my bank to get the money back. They informed me that unauthorized fraud XXXX can be reversed but my bank PNC has to do it since the unauthorized payment was done through them via XXXX but not directly through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and 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 furnished my account without my written instructions.

15 U. 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 credit reporting act.

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

update the late payment to My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Mortgage

I have been trying to have my final disbursement process from the Freedom Mortgage. 
I have had so many issues with this company. I have sold my home and still waiting for them to process my disbursement way before the home was sold. I have a voicemail saying it would be mailed out I have an email saying they will look into it. I spoke to someone that it was processed. I was told it would be overnight.
Product: Credit reporting or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable MAXIMUM Proof ( an original Consumer Contract with my Signature on it ) if you have on file the XXXX  account XXXX XXXX. They failed to positively verify this account accurately which has hurt my ability to obtain credit. Under the FCRA, unverified XXXX proof account must be removed immediately :
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The list of the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information. 
Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate
correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX
Product: Credit card

I called them on XXXX XXXX XXXX  and told them I didn't want the card and wanted to know what it would take to owe them {$0.00} because I was cutting up the card after the call. I spent at least an hour with a representative and they finally gave me the number {$58.00} which I paid in full. After that I was on hold for a supervisor for at least 30 minutes and they answered and hung up the phone which is a call center stalling tactic because after all that time spent already they figure most people won't call back and I did not want to go through all that again. Considering that I had paid in full I didn't see it as being necessary.

The next month I get a bill from them for {$16.00}, They called and I told them that the card was paid off and destroyed, I did not owe them any money. Since then they been super aggressive towards me for what I consider to be no reason. First, adding charges to that card after I was told the payoff and gave it to them is fraud. Calling me 6 or 7 times a day about it is harassment and trying to ruin my credit rating to get the money is extortion. Now they've ratcheted up their charges to several hundred dollars.

Understand, had they given me more information about the card at the register when I applied for the card I would not have taken it at 33 % interest. I have money and a number of other cards and a perfect payment history on all of them. I'm not a deadbeat but I do live by my principles and this is an injustice that I have to fight. It all started with a {$43.00} purchase and I paid that and more to close the account, which they did not do. It should have been closed on the phone call I made XXXX XXXX XXXX. I was ABSOLUTELY clear about what I wanted and they used dirty tricks like the supervisor hanging up the call immediately when I was to be transferred. That dropped the entire call.
Product: Student loan

I have a XXXX XXXX  student loan of about {$3500.00} most of it is penalties and interests I am not working I'm a XXXX patient I've told them I didn't have the money year after year they keep sending me and put me in collections putting it on my credit report this long should have been given in XXXX of 2020 when President Trump gave the approval we still supposed to be in the pandemic at this time and they're still calling and and turning me in late to the credit bureau nail that has created a problem for several people I've read I've seen the news they should be reprimanded and taken out of business because they are not a credible source for collecting debt in my words please stop nailing it and I was my loan was supposed to be forgiven. They are like some debt collectors that I've never seen before in my days of living they know that this is a pandemic and people are going through a lot right now and they continue to hit your credit report they've hit my credit report several times I asked him to clean it they don't want to clean it I think something should be done from through the government about Nelnet too many people have turned their net in please let me know what you find out thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report. They still have not the negative fraudulent items.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sent me email saying I had a balance that was over the limit but I dont recognize this. I have a feeling someone used my information without my consent. I filed a dispute with Experian but they said it was accurate which I heavily disagree
Product: Credit card or prepaid card

ON XX/XX/2022 A LETTER OF DENIAL WAS SENT TO ME AFTER APPLYING FOR AN EXTENSION OF CREDIT THROUGH MY BUSINESS ACCOUNT THROUGH BANK OF AMERICA. THIS COMPANY IS DISCRIMINATING AGAINST ME. THERE REASONING DOES NOT MAKE SENSE THEY ARE STATING THAT THE LOAN BALANCES ON MY CREDIT REPORT ARE TOO HIGH AND THE LENGTH OF TIME OF MY ACCOUNTS THAT ARE ESTABLISHED. THIS IS NOT RIGHT ESPECIALLY BECAUSE I EXTENDED CREDIT TO THIS COMPANY, THEY PULLED MY SSN NUMBER WHICH IS THE ORIGINAL CREDIT CARD. I WOULD LIKE THIS COMPANY TO RECONSIDER MY APPLICATION AND OPEN MY LINE OF CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with XXXX XXXX and/or XXXX XXXX, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and TransUnion has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with XXXX XXXX and/or XXXX XXXX : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties.

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to XXXX XXXX to confirm the original contract a. ) can not be located b. ) XXXX XXXX no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Product: Credit card

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX date : XX/XX/2022, 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 an account without my written instructions. 

This inquiry from XXXX  XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Student loan

Student loan through Navient. 
I have 3 loans, 2 with lower interest rate, 1 with a higher rate. Payment plan is automatic at {$1300.00} per month ; {$830.00} to the lower interest loans and {$470.00} to the higher interest loan. 
I made an additional {$1000.00} dollar payment directed to the higher interest loan XX/XX/2019. This was done specifically to pay off the higher interest loan faster. 
On the following 2 months of auto-pay, the monthly {$1300.00} changed in distribution to {$1100.00} toward the lower interest loans and decreasing to {$170.00} toward the higher interest loan. 
This obviously negates my ability to pay off higher interest loans faster than lower interest loans. It is not much money difference to me, but I doubt this practice is legal and when applied to numerous customers it probably adds up to big money for Navient. I would be happy to be a part of a class action suit.
Product: Student loan

Hello, I have previously submitted a complaint towards Navient and how they made me pay interest while I was in school. When I submitted this complaint, Navient responded stating I stopped being a XXXX XXXX student and that is why I had to begin paying interest while I was still in school. I did not have a full time job during this period of time, so I was constantly stressing trying to figure out why and how I could pay for my loans while I was still in school. Naveint sent me this response to my complaint. " Your Subsidized Direct Loan was disbursed on XX/XX/XXXX. For subsidized Direct Loans disbursed between XX/XX/XXXX and XX/XX/XXXX, you are responsible for the interest that accrues during the six-month Grace Period. Your loans are entitled to one uninterrupted six-month Grace Period. You Grace period began when you withdrew from school on XX/XX/XXXX and ended on XX/XX/XXXX. Then your loans entered repayment. You did not return to school at least half time until XX/XX/XXXX, at which time, your loans were placed into an In-School Deferment. '' I was in fact a XXXX XXXX student from XX/XX/XXXX-XX/XX/XXXX. I never once deferred enrollment. The fact that they did n't even call to confirm if I deferred from school or not is appalling to me and extremely irresponsible on their part. To assume I stopped going to school, and to begin harassing my parents to get me to pay the loans is unfathomable to me. They kept calling and calling and saying that I would have bad credit if I did not begin paying. Not once did they mention in the calls that I had to pay interest because I " was n't in school ''. I have proof of my full time registration at XXXX. I want this issue to be addressed accordingly.
Product: Credit reporting or other personal consumer reports

Issue : I am filing this complaint because my credit report contains inaccurate information that I have attempted to dispute directly with the creditors and credit reporting agencies, but I have not received a proper resolution.

Details of the Dispute : 1. Late Payments and Charge-offs : My credit report reflects multiple late payments and a charge-off for different accounts that is not accurate. I reached out to the creditor to rectify the issue, but they have failed to provide any response or validation of these negative marks.

2. Unauthorized Hard Inquiries : My credit report also shows hard inquiries from XXXX XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX Date : XX/XX/XXXX which I did not authorize. I requested proof of authorization from these entities, but they have not provided any supporting documentation.

3. Incorrect Personal Information : There is additional personal information on my account that I do not recognize, which raises concerns about potential errors or fraudulent activity. 
I have reached out to the creditors and credit bureaus multiple times to dispute these inaccuracies. 
I have not received a response or sufficient documentation to verify these claims. 
I am now seeking legal assistance to ensure that my credit file is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX account numerous times in the past with Equifax. As this account is not mine. And every time Equifax return the Dispute as verified without any proof of a proper investigation. I want to know how Equifax was able to prove an account that I have no recognition of as mine? This XXXX XXXX account has been on my credit files for years. The other two credit agencies had no problem removing this account. Because they were unable to verify it was mine. But Equifax keeps returning my Dispute back as verified. I tried calling XXXX XXXX but they were on able to give me information on the account. Because I was unable to verify the account information. Equifax needs to show proof of their investigation and how they were able to prove this account was mine.
Product: Credit card or prepaid card

Applied for Bank of America credit card and was denied for reasons not described in conditions on their application. I was denied because I didnt bank at Bank of America. The application did not state that I had to have an open checking or savings account at Bank of America to be approved for the credit card. The denial lowered my credit score along with the hard inquiry for the card they were not going to approve even with my excellent credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX  XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
Product: Debt collection

I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

No lates. Please remove late and update report accordingly. Thanks. 

XXXX