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

TRANSUNION According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. You are incorrectly reporting my account balance limit of {$3500.00} : XXXX  # XXXX Date opened : XX/XX/year> My account Limit is XXXX and you are incorrectly reporting it as {$750.00} giving me a high utilization of 56 % Please fix this IMMEDIATELY. 

I HAVE ATTACHED SCREENSHOTS OF MY CREDIT KIKOFF ACCOUNT LIMIT AND BALANCE FOR PROOF.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 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- ( 1 ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to " XXXX XXXX '' and " XXXX XXXXXXXX XXXX  '' XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.
Product: Vehicle loan or lease

Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.
Product: Checking or savings account

Good Afternoon, 3 weeks ago, I filed a fraud report with PNC ( my bank ). There were {$710.00} worth of fraudulent checks cashed, and the money was taken out of my account. This occurred over a span of 2 weeks ; XX/XX/XXXX-XX/XX/XXXX. There were approximately 9 checks, written for various amounts, all totaling {$710.00}. The person whom stole my checkbook, and wrote the bad checks, is my mother. I also followed-up by filing a police report against her, which I have offered my bank as evidence that this matter is being taken seriously. 

This claim was opened with my bank going on a month ago. I have contacted their fraud investigation team, as well as my investigator, who was working personally on my case ( her name is XXXX ), countless times. I still, to this moment, have not received any contact or correspondence back from anyone working on my case, nor from PNC. 

I made a call in to PNC today, and I spoke with a standard Representative, who told me my fraud claim was denied because the signiture has been consistent since XX/XX/XXXX. Apparently, my mother had also stole and written a bad check in XX/XX/XXXX, and because of this, they are saying its consistent. I was in the hospital, and incompetent, from XX/XX/XXXX to XX/XX/XXXX ( in which I have paperwork to prove ). I did not know my Mother was stealing and writing bad checks. 

I have been banking with PNC for 8 years now. It is their job to protect my money, as they advertise safety, security, and guarantee reimbursement of all funds if they confirm fraud on your account. What PNC is practically saying, is that since there has been this same handwriting in XX/XX/XXXX, that its excusable. This is absurd. Again, I have been with PNC for 8 years. I write, authorize and sign 1 check a month, and that is to my landlord. There is clearly suspicious activity, as there has been {$710.00} in checks cashed. Ive never done such a thing. Also, I had ALL of my checks cancelled. Why would I have all the checks *I* paid for cancelled if this wasnt genuinely fraud? 

I would appreciate PNC seeing that there is clearly check fraud, reimbursing my money in the amount of {$710.00}, and offering additional protection, as again, I choose PNC to protect my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

XXXX XXXX does not seem to follow industry standard as it does not accept automatic payments to pay statement balances in full. 

I am fortunate enough to not have any credit issues and I am able to pay my credit card balances in full each and every month. Unfortunately, I may not always receive my electronic statements, and I prefer to have my balances be automatically paid from my payment source. 

My electronic statement from XX/XX/XXXXwas filtered as spam. As a result, I was not aware of my balance and I was charged a {$27.00} late fee on XX/XX/18. Additionally, I was charged {$8.00} in finance charges on XX/XX/18. When I became aware of this, I immediately processed a payment to pay the outstanding balance in full. 

XXXX XXXX does not provide an option to automatically pay credit card balances in full. It seems like a sham so that they can increase their collection of late fees and interest charges. This seems to be by design and I'd venture to guess that this bank ( compared to others ) has a higher proportion of its income from credit card fees. 

I have not received an answer from XXXX on why they do not provide the option to automatically pay credit card balances in full.
Product: Mortgage

I applied for a mortgage loan with Chase on ___XX/XX/XXXX____. XXXX XXXX was assigned as my loan officer. As a first time buyer I had LOTS of questions. I was very transparent about my jobs ( 1 full time during the school year, and a full and part time during the summer 3 jobs total. ) I made it very clear that my school year job was the job that Ive been with the longest and the other 2 I just started this summer. Per XXXX, this was fine and would be counted/weighed in the decision. It was later told to me ( after getting an accepted offer ) that only my school year job could be counted. 

This is just one of many instances of misinformation that has taken place. 

1. Incorrect info on which jobs can be counted 2. Incorrect info on FHA guidelines for bankruptcy dismissal 3. Requesting documents from my realtor pushing her to add wrong information ( i.e. offer to purchase was initialed because my offer was countered. They kept insisting that the sellers need to fully sign. This is incorrect ) 4. My realtor emailed XXXX the XXXX receipt on XXXX to which XXXX responded that she would upload that document. I had to resend and eventually upload it myself. 
5. On XXXX my realtor sent the accepted offer with all appropriate documents in one PDF in order ( counters included ) she also included an overview of the offer. XXXX continuously gave wrong information about the offer ( purchase price etc. ) even after my realtor referred her to the counters, which overrides the offer. 
6. Verbally ( and in email ) denied me due to a bankruptcy dismissal- then sent a denial saying it was due to insufficient funds - however I have provided them with proof of funds needed to close. 
7. Closing disclosure showed that I needed XXXX to close, but this amount is incorrect due to the XXXX grant they said they were giving me. They were called out on this but had no answers 8. XXXX moved numbers around to make it seem like I had XXXX in my account I have never made any claims of having that much saved. 
9. I reached out in regards to my good faith deposit asking when will I receive my refund back. Nobody responded to my email or reached out in regards to the situation. 

10. Escalation team, managers and supervisors were all reached out in regards to this matter but no one helped.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the XXXX accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 15 USC. 1681 ( e ) ( b ).

And according to 15 USC. 1681i they are suppose to do this ( 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 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 ( ii ) promptly notify the furnisher of that location that the information has been modified or deleted from the file of the consumer.

And according to 15 USC. 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I am having issues with missing information on my credit report. I have aXX/XX/XXXX XXXX XXXX Account XXXX that is not reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX, SS XXXX. My account is not showing on any of my credit reports.
Product: Credit card or prepaid card

On XX/XX/2022 I submitted a payment to Synchrony for the full balance of my Amazon Store Card managed by them. On XX/XX/2022, Synchrony processed the payment but failed to update the available credit of the card as described in the card agreement. In fact, the available credit of the card did not change even after the payment had fully processed on the XXXX of XXXX. 

I contacted Synchrony via live chat. A supervisor insisted there was nothing they could do, and it would, in fact, take until the XXXX for the available credit to be updated. I informed them this was unacceptable and contrary to the card agreement, but they insisted there was nothing that could be done because the payment was 'on hold. ' When asked to release the payment from the hold and update the available credit, they refused. 

Nowhere in the card agreement does it state Synchrony may make the arbitrary, capricious, and unilateral decision to refuse to update the available credit balance after they have already taken and processed a payment. In fact, it states synchrony must act in good faith at all times.
Product: Debt collection

per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at XXXX XXXX to make purchases. 
This account now transferred to Portfolio Recovery Associates as a debt collector
Product: Credit card

THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I had an account with Wells Fargo years ago in XXXX XXXX XXXX They'd hold a big purchase and then wait for a couple of small purchases to go through and then hit me with several overdrafts. It happened a lot of times with withdrawals & small purchases as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXXXXXX XXXX XXXX  XXXX Ccs Collec Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Debt collection

We have received another scam letter fro m Hunter Warfield, claimin g they are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX  stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accurac
y.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.