23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion that 2 accounts on my credit file XXXX/XXXX  in the amount of {$1500.00} and {$1000.00} do not belong to me. I have sent Transunion a copy stating that I had nothing to do with these transactions and have not benefited from them at all. I have notified Transunion that the information is a result of identity theft, I have filed an identity theft report and gave Transunion a copy, I have provided a statement that the information relating to any transaction concerning the above mention account is not related to me. Yet Transunion failed to block this information and investigate.
Product: Credit reporting 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!
Product: Bank account or service

I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. 
It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This account is not mines it say its open account thats falling off in XXXX of 2024 XXXX XXXX XXXX is no an open account this is fraud XXXX IS NOT MINES THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, XXXX and experian credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Due to verifiable identity theft this account was created using discarded documents and stolen information.
Product: Credit reporting or other personal consumer reports

Hi 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. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX two accounts one its for {$16000.00} and the other one its $ {$12000.00} thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Product: Credit reporting or other personal consumer reports

I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include multiple unauthorized inquiries, incorrect personal information and faulty credit reporting.
Product: Credit card

Application on another credit is denied again. I didnt report fraud. They said my phone number was no good. I just changed my phone number to XXXX from XXXX and I answered the security question correctly and they yet kept my application at the fraud department and wouldnt move forward with this application basically wasted my time I went to chase branch on another application and yet I was denied again on that application. The refence number is XXXX and chase playing games with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00} and XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance {$2600.00}.
Product: Credit card

Some time in XX/XX/2022, was scammed by someone who put a fake money order in my account. Almost XXXX weeks later the money order was marked as fraudulent and reversed from my account. The person who scammed me, blocked me on all communications and my bank didnt protect me. I figured the money order was real because it was a XXXX figure sum that cleared almost immediately although, the last time I had tried to deposit a XXXX figure sum, in my account, it was blocked and delayed by TD ( although that check was legit ). I closed my checking account as well as my savings/credit account ( paired together by TDs contract with me ) due to lack of protection, and months later I was charged for the scam. It has been ruining my credit since. On XXXX credit report its been removed and on another it still stands, Please Help!
Product: Checking or savings account

The company I work for XXXX changed our payment methods from XXXX to XXXX. I had an account setup with XXXX. I was supposed to receive a transfer of funds on the XXXX, and BOA doesn't show anything pending. I am the sole provider for myself ( XXXX yo female ) and a XXXX son, my account is overdrawn, and BOA will likely reverse XXXX payment cause more fees from XXXX XXXX XXXX. I am confounded that my paycheck not being deposited. So either Bank of America is lying or XXXX is. I am attaching the documentation that I have. Wingspan shows an invoice on XX/XX/year> that the funds were transferred.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. 

I looked at my Equifax 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information 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: Student loan

This dates back to XX/XX/2011. I had a deferred loan and one I was paying regularly on. I submitted my payment for the loan that was due and Navient applied the payment to the loan that was deferred, ignoring not only the loan number was different, but that the payment was not due on the deferred loan. I received a call stating that the loan payment on the open loan was late and then questioned them on where they applied my recent payment because it was not late. They could not find the payment at first, but after about a half hour on the phone, they were able to track down that the payment was misapplied ( their fault ). At first I was told that they would re-direct the funds to the open account. So I thought, a few weeks later, I received another call that it was late still. When I called back, they still had not transferred the money. Finally, after over a month, they finally moved the payment, however, I just recently applied for a mortgage, and they are denying me because of the late payment to Navient XX/XX/2011!!! Even though Navient knew it was their fault and their responsibility to rectify, they still reported me to the credit bureau as late! I have a print out of all of my payments to them since my loans started and I do not see anywhere where there was one ( 1 ) XXXX day late payment. How can they be reporting this? I have no other late payments to them except for the one they are reporting and it was not my fault. I did not even know it was even on my report until the credit denial! I have had nothing but issues with them since the start of my loans and feel like I have continually had to keep an eye on how they apply my payments. Their reporting practice is horrendous.
Product: Debt collection

To Whom it May concern, I have reviewed my credit reports reflecting an account with General Revenue Corp. However, I was uninformed of this account. I was never provided any written documentation validating this debt was mine nor was there anything sent in the mail such as a statement, etc. 

Not to mention, when reviewing this file on my credit report it is showing incorrectly. This account is a collection that is showing opened and this is a way to continue to re-age this false account in order to impact me negatively. According to the FCRA Section 6. 23.5A it states that the date of delinquency determines how long the debt can be reported on a consumer credit report, they are trying to damage me long term so it will never fall off my report. This a violation of my rights and as mentioned in my dispute directly to them I will be forced to seek legal action and in return I will request up to {$1000.00} in damages. 

They have withheld notices from me and I ask this company to cease all communication and reporting on my credit since they have violated my legal rights.
Product: Credit card or prepaid card

Please see the attached detailed explanation of this complaint regarding a disputed transaction under Visa Dispute Code XXXX XXXX XXXX. The charge date was XX/XX/2022 by XXXX in the amount of {$2600.00}. The expected and approved amount was {$610.00} as outlined in the rental contract. 

I properly notified Chase and provided ample and detailed supporting documentation for my dispute. Chase failed to properly investigate and handle the dispute case as evidenced by the timeline restrictions Chase claims improperly. Additionally, a chase dispute manager admitted the mishandled dispute of this transaction and filed a grievance for me. 

While XXXX, violated the terms of the contract, failed to request gain authorization for additional charges in excess of the contracted and agreed to amount, and failed to provide a refund as promised. 

As outlined in this document per the VISA Dispute Resolution Guide, and the XXXX and Federal Chargeback Statutes, liability for these errors and contract violations rests with Chase and XXXX, not with the cardholder. 

Pursuant to VISA Chargeback Code XXXX, XXXX, and Federal Consumer Credit Protection Laws, I am politely requesting to dispute this charge and the issuance of a full credit to my account and any and all interest, fees, or charges associated with this charge from its initial transaction date. Thank you for your attention to this matter. I have attached additional details below on this matter. 

To assist with your compliance Ive provided copies of the relevant XXXX XXXX XXXX, applicable UCC codes, and previously provided documentation.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 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 ( 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 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 XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of iXXXX XXXX  and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX: # XXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.
Product: Student loan

I have been attempting to overpay my Navient student loans for three months in order to get out of debt faster. I requested that Navient return my payment to the regular monthly minimum because they incorrectly auto-debited the wrong amount from my bank account for the three months I requested my payments to be higher. During this time, each month a different Navient representative told me that my request was n't processed because a ) the representative did n't do it or b ) it would show up on my next billing cycle. Nothing ever changed. When I requested to go back to the regular minimum payments, Navient staff told me that because I had been making over the minimum payment, my over-payments were now my new minimum and that I could n't go back to paying my original monthly payment. I requested they provide me documentation on this policy ; they could not and still have n't. Now, after speaking to several representatives at Navient, I was able to get a figure for my old monthly payment and paid it, but the old overage payment is now showing up as a missed / late payment. Navient refuses to do anything about it other than read off a script or tell me I have no options but to pay.