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

On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, XXXX XXXX CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-3 of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.
Product: Checking or savings account

I've been having issues with my PNC Virtual Wallet. Its to the point now where it is ruining my life, literally! PNC closed my account for a reason i cant seem to be told over the phone or by my verified email address. I have money I have been waiting on that took 7 to 10 business days to return, but not i find out on the 10th day my account was closed yesterday. I just returned a car rental as well that has a return deposit going back to that account in a day or two. Im not understanding why i could not get a call that they were going to close my account. Why couldn't i pick my money up? Why couldn't they waited to receive the money on the way? I have a XXXX XXXX XXXX  that is depending solely on me to provide and care for her at the best of my ability. I trusted this bank and had all of my money there, the little that i did have. This was all taken from me out of nowhere. I dont have money at home, and no i dont have family or friends to help me. They took everything from me with no explanation at this time. I never received my pin number in the mail, but did get 2 summary bills. I couldn't XXXX money. Was told i had to a specific date to verify my identity which i went to the bank and done not once, but twice. With all thats going on, they are making it harder to survive during this pandemic. My unemployment goes to this account as well. All the money I've been waiting on will now be sent back and mailed out. It was killing me to wait this long as it was to receive, soon as it was time to hit my account PNC CLOSED IT. I haven't been receiving mail like i should so no telling when i will get all these separate check. Because of PNC, i have no idea how my XXXX XXXX XXXX and I will eat. I have no idea how we will get around now that i dont have a way to use XXXX. I was in an accident a month ago, and that money coming back today was suppose to be used to eat, get pull-ups, and pay pay for the part i need to fix my car. Im told from multiple customer service reps i need to go to the bank teller. I call the bank teller instead because i have no form of transportation now. I refuse to put my XXXX  on public bus with me during covid. The teller tells me that there is noting they can do or see because my account was closed, meaning they was giving me the run around knowing neither parties could open my account to view it. Both parties we sending me to the other. Customer Service tells me to go to bank, Bank tells me to call Customer Service. At this point I want to take this to small claims court and have the reps i talk to summons there as well, because this is unacceptable. These situations should not be handled in this manner. What's wrong with courtesy calls, or a bank actually caring about their customers enough to try and fix the problem by contacting us BEFORE messing our lives up? I dont understand and its unethical. This is causing so much stress on me right now, i was depending on my money to be where it should be and its not. I dont know what else to do. Not only is PNC system is BROKE, I am too, untill i am forced to wait more days and weeks to get what i should be able to have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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: Payday loan, title loan, personal loan, or advance loan

XX/XX/2019 paid back loan but still saying I owe the loan. And saying I have other loans that I never applied for.
Product: Debt collection

Midland Credit Management is attempting to collect a debt for XXXX XXXX XXXX that has already been proven to not belong to me and has been removed from my consumer credit report from 3 major credit bureaus. Both of these companies were sent a validation request as well as a cease and desist. Neither company has been able to provide and proof of any debt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are showing an outstanding balance on my credit report that I do not owe for Bank of America. I have reached out to Bank of America regarding this account and they indicated that the account was paid off X/XX/2014. I contacted Bank of America in my financial counselors ' office and she too heard them confirm my account status.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX XXXX, the branch manager of Mariner Finance called me inquiring about a suspicious check deposited on XX/XX/2022 allegedly by myself. I have no knowledge about the deposited check or the account that was automatically created by the deposit check. Apparently, my information has been stolen and used fraudulently to create this account. I have not been burglarized.
Product: Student loan

I took out a private student loan in XX/XX/XXXX To pay for school. The loan was in the amount of XXXX. My father is a consignor on the loan. We started making payments in XX/XX/XXXX that have only gone towards the interest. What was once a XXXX loan is now a XXXX loan. We have made almost 10k in payments only to have {$940.00} go towards the principal. My mother is sick currently which has caused emotional and financial hardship which means my parents are not working right now and I 'm living in CA making part time money at best with 3 degrees. I asked Chase Bank for a principal reduction of XXXX to pay the lian off and they denied me flat. This situation is frustrating as the more we pay on this loan and the more goes towards interest the loan will never be paid off. I ca n't afford it and my parents ca n't either.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Personal Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information that appears on my credit report. As a consumer, I have the right to ensure that my credit file contains only correct and verifiable information under the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. To clarify, my correct and accurate personal information is as follows and The Attached Document. I only have 1 name 1 address 1 phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is acting as a debt collector company but in the FTC JUNK DEBT buyer list XXXX is a junk debt buyer company. 15 Usc 1692g I am the original creditor only I can validate debt. I have filed multiple dispute letters and will continue to take action on these fraud agencies.
Product: Credit reporting or other personal consumer reports

XXXX of debt letter from third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Dispute via usps return receipt requested . 

XXXX counsel who sent XX/XX/XXXX debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX XXXX Transunion, XXXX and XXXX XXXX incorrect information XXXX Sent Original Creditor XXXX XXXX XXXX XXXX notice of reporting errors and requested they investigate and correct errors. 

XXXX Transunion, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXXSent Transunion, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXXSent third and final dispute letter to Transunion, XXXX and XXXX disputing continued false information on my credit reports. 

XXXXawaiting word on.third dispute request from Transunion, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  credit betrays XXXX, XXXX, and Trans Union report XXXX ( XXXX XXXX ) unauthorized credit report hard inquiries that have cussed my report utilization scores to drop substantially. In addition reporting g frivolous past due and delinquent accounts that do not exist as a violation of FTC law and Federal Truth In Credit Reporting and Disclosure Act violation. If not remove today will go to court to file a complaint and request punitive damages due to their wrong act of reporting as they were not authorize. Their actions were deceptive marketing practices. They never said they were doing any hard inquiries. Misrepresentation of facts.
Product: Mortgage

I have been trying to apply for a mortgage forbearance since XXXX. My husband lost his job in XXXX and we have utilized our savings, unemployment benefits, and retirement withdrawals to pay our bills. In XXXX, my husbands unemployment benefits ended, savings ran out, and there isnt much left to withdraw from retirement. 

On XX/XX/XXXX I called to request information regarding protections as an FHA borrower and the agent told me I was not eligible because it required both borrowers to be unemployed. This didnt align with the FHA website so I contacted a hud counselor who advised me to request in writing why I would not be eligible and gave me a direct link where it states for FHA borrowers a forbearance can be requested if ONE OR MORE borrowers becomes unemployed. 

I got a canned response that they were sending something to underwriting for review. I was then told I was ineligible because I was not yet late on my mortgage and needed to be 30 days late before I could be considered for any assistance. 

In XXXX I called again requesting the forbearance and was directed to a mortgage assistance application which I completed. At the end of XXXX I was alerted that my loan modification was approved and my new payment plan. I called again for clarification because I originally requested a forbearance and asked what the result of that request was. I was then advised that the application I was originally directed to was for requesting a loan modification, NOT a forbearance and that forbearance applications are only processed over the phone. 

I asked to start this process and they said I could not until they cancelled my modification request. I asked them how long that would take so I could the apply for forbearance and they said about a week and to call back on XX/XX/XXXX. 

I called today, XX/XX/XXXX to start the forbearance request and told I was still ineligible because there is a second modification request processed on my account and if I request to cancel that - due to how late my payment is, they will likely start the foreclosure process. Also, that if I request a forbearance, it will be only for XXXX months and the entire past due balance would be required as my first payment. 

It shouldnt be this difficult to access/request protections to us under the FHA guidelines . I have been diligent and transparent, I called my mortgage company before I was ever late to let them know of my financial situation so that I could get ahead of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. Transunion was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised XXXX along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.
Product: Debt collection

Union bank Visa card has been sending my statements to the wrong address knowingly and then charging late fees and high percentage even though they had my address they still sent to the wrong address for the last 7 months. I called every month I went to the bank and Mr XXXX XXXX of Union bank of XXXX XXXX knowingly gave them the wrong address as he is on the take of XXXX and XXXX XXXX who have illegally broken a trust and will of my father Mr XXXX XXXX and millions of dollars of mine.XXXX XXXX was / past my banker but he has broken law and he also changed ACH transfers to ATS on my bank statements at Union bank, he padded my bank account. Union bank of XXXX and the credit card need to have full furensic of accounts.Mr XXXX XXXX has knowingly broken law. Sending my statements to wrong address is illegal and XXXX XXXX is criminal who did this plus other illegal activities hes done. 
They can not charge late fees or interest when they have illegally sent my statements to the wrong address. This bank and branch needs to be looked into as so illegal.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2023 from Experian and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has been happening to my Experian account recently. I was extorted into paying a debt that wasn't mine with the help of Experian, which never investigated nor verified if the account belonged to me, yet it was allowed to exist fraudulently on my credit report. I am giving notice that I am disputing the validity of this alleged debt.
Product: Credit reporting or other personal consumer reports

In my dispute with Equifax submitted on XX/XX/XXXX, I raised concerns about several accounts that I believe are inaccurately reported. The accounts include XXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXXXXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX. Additionally, I disputed XXXX, which has a balance of {$5200.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX outstanding amount of {$680.00}, dated XX/XX/XXXX. 

What is particularly concerning is that the statuses of some of these accounts differ significantly across various credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory, depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported.
Product: Money transfer, virtual currency, or money service

Dear Sir, Iam filing this complaint as my INSURANCE CLAIM was rejected by EQUIFAX XXXX   insurance! I had the {$1.00} XXXX Insurance in regards to the Identity theft insurance with XXXX provided by Equifax as our Data was breached! We had XXXX Bitcoins stolen from our Digital Account XXXX and we havent received the REFUND from XXXX and hence reached out to the insurance XXXX being handled by XXXX XXXX and after going through the insurance policy, filed a claim with TRUSTEDID through XXXX along with the documents 1 ) Proof of Bitcoins being transferred from our accounts to anonymous address 2 ) Police Complaint 3 ) FBI Report 4 ) Email proof of rejection of REFUND from the Digital account [ Our Digital Account website where Bitcoins were staying ] 5 ) Email proof of filing complaint with The XXXX [ Our Digital Account website where Bitcoins were staying ] 6 ) Also attatching the CLAIM BENEFITS! 

And the insurance clearly stated that we are eligible for the CASH Recovery if there is a XXXX, THEFT, UNAUTHORIZED TRANSACTION FROM YOUR ACCOUNT.But I was rejected saying that my account is not a FINANCIAL account, the main reason for carrying this insurance was to retrieve any stolen, fraudulent and unauthorized transactions of your financial assets from your account. 

I would like to get this to your notice that main reason EQUIFAX provided this insurance was to save customers financial assets from XXXX, THEFT or UNAUTHORIZED ACTIVITIES which happened in my case. 

My total stolen amount was {$12000.00} which was XXXX BITCOINS and would like to request to REFUND either of those as per the insurance claim.I would like to get this to EQUIFAX, TXXXX as well as XXXX! 

Appreciate your help in this case!
Product: Debt collection

My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 my 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 to be updated. 


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. 


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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

i NEVER FILLED A bankruptcy AND THIS JUST SHOWED UP ON MY REPORT
Product: Debt collection

According to 15 U.S Code 6802 it is illegal for banks and institutions to report any data to XXXX  party companies without my proper consent. REMOVE IT OFF OR I WILL BE SUING YOU I KNOW MY RIGHTS AND YOU HAVE BEEN IN VIOLATION REPORTING FALSE INFORMATION THAT I NEVER GAVE YOU PERMISSION TO REPORT MY LAWYER WILL BE CONTACTING YOU IF ITS NOT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan was opened on my account. Address keep showing on my credit file that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX/XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX/XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Credit reporting or other personal consumer reports

I have a fraud alert on consumer credit report which is not allowing me to get financing for my home loan. I have never frauded Bank of American. I wasnt aware of an investigation nor notified that my account was closed due to fraud. No communication until I called to see what was going on.