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

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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.

I did not give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy XXXX XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.
Product: Debt collection

I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I did not authorize this fraudulent credit inquires and it is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent via certified mail ( # XXXX ) a debt validation letter to SCA Collections, however the response I received from the company, violates my rights. SCA Collections is reporting to XXXX, that the account was opened on XX/XX/XXXX, which contradicts the date ( s ) listed in the documents that the company mailed to me. 
This is proof that the company is currently reporting an illegally re-aged account. This account was removed from my XXXX and XXXX   credit reports earlier this year, as a result of a dispute I filed with them. However, XXXX  " verified '' the account as " accurately '' reporting, and is the only credit reporting company showing this account on my reports. 
In addition, I asked SCA Collections in the debt validation letter to provide me with the signed HIPPA release form. They failed to provide me with this form, in their response. 
In conclusion, I demand that this account be immediately deleted from my credit report ( s ).
Product: Checking or savings account

In XX/XX/XXXX, I, opened a bank account for my political campaign at PNC Bank. Initially, XXXX XXXX, Vice President and Branch and Business Center Manager ( NMLS XXXX ), assured me that the account was successfully opened and in good standing. However, shortly after, XXXX XXXX contacted me again, stating that the account could not be opened. This abrupt reversal was perplexing and lacked a clear explanation. Despite my requests for a detailed reason, XXXX XXXX was unable to provide a satisfactory answer. 

I provided PNC with all the relevant campaign information they requested. Moreover, I was not aware that my personal credit would be checked, as this was not a personal account. I had previously held a campaign account with PNC in XXXX without such issues. XXXX XXXX later informed me that the decision came from " higher up '' in the bank, which was contradictory in nature and caused my campaign to get off to a rocky and slow start. 

I possess email correspondence that supports this sequence of events. To my further confusion, on XX/XX/XXXX, I received letters from PNC Bank containing a PIN number for online banking access, implying that the account was active. Subsequently, I received another letter from PNC XXXX XXXX, indicating that information from credit bureaus had influenced their decision regarding my account. 

Contrary to XXXX XXXX 's earlier assertion that the account could not be opened, it became evident that the account was indeed active until XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that my account had a negative balance of {$24.00}. This series of contradictory communications raises serious concerns about the transparency and integrity of PNC Bank 's practices. 

The initial change of position by XXXX XXXX, followed by the subsequent confusing correspondence, leads me to believe that there may have been discriminatory motives behind the handling of my account. As a returning citizen and a public political figure, I suspect that my background and political career influenced PNC Bank 's decision-making process. This perceived discrimination warrants a thorough investigation into PNC Bank 's practices to ensure that no individual is unjustly treated based on their background or public standing. 

I am prepared to provide all relevant documentation, including email correspondence and letters from PNC Bank, to support my claim and seek a fair resolution. It is crucial to address and rectify any discriminatory practices to uphold the principles of fairness and equality in financial services.
Product: Debt collection

How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Product: Credit reporting or other personal consumer reports

The consumer reporting agency has not removed the fraud alert from my consumer report. This has prevented me from obtaining credit to fix my home, purchased groceries and pay medical bills. I am a senior on a fixed income and I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them several times and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. 

However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and Equifax have not. 
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. 

Thank you
Product: Checking or savings account

Went to XXXX end of year XX/XX/year>. With coworkers as I left I brought something for XXXX bucks used my card .. two days later I get a notification for XXXX I called XXXX immediately to dispute XXXX told me they seen the first transaction then they seen the second one come in and was denied then XXXX ran both transaction together and it went through I email XXXX the text messages showing my coworker did it without my knowledge he was drunk and left without paying so the bartender ran the last card from the group which I had nothing to do with very unfair XXXX said. Because I had my card in my person it was my responsibility when tho both transactions was hours apart because I left and was unaware of this charge
Product: Credit reporting or other personal consumer reports

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. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

PHH Mortgage Company Since this company has taken over our mortgage processing, they consistently delay processing payments to then show them as late. This has occurred at least 5 times in the last year. The latest payment due for XXXX was mailed XXXX. As of XXXX they had not posted the payment to our account online so we paid it again online to be sure it was not late. Now 4 days later they show it online and show it as posting on XXXX. But since we had paid online ( with an additional fee of course ) they posted it to our account as " other '' payment. They did not apply it to our next payment and they did not post it as additional principal and they have not contacted us. We have been unable to contact them. 
This continues to happen repeated since last summer. Checks apparently sit at there office and are not posted to the mortgage. When contacted they have no answers for why it takes 2 to sometimes 3 weeks for a check to reach them throught the mail and be posted. They seem to be pushing to have us pay online with the additional fee each time. 

Thank You
Product: Checking or savings account

I was on vacation to XXXX XXXX XXXX from XXXX, XXXX 
On the day XX/XX/2022, I was in transit at XXXX on the way to XXXX, where I withdrew {$40.00} from an ATM machine so that I would have some cash when I arrived at the airport at XXXX XXXX. As I read online that the cheapest way to manage money in XXXX was to withdraw cash from ATMs using a Debit card, my plan was to withdraw about {$300.00} US as I set $ XXXX budget for this trip. When I landed at XXXX XXXX airport by XXXX XXXX ( XXXX ) at XXXX. I picked up my bag, went though the gate and was welcomed by a bunch of travel agents who stopped us to sell taxi rides probably for about 30mins. After this, I went to an XXXX ATM machine at the airport to withdrew XXXX pesos. After the transaction I walked the overpass to an XXXX pick up location and waited for about 30mins to catch an XXXX to XXXX XXXX XXXX 
On the same night, I checked my Capital One app and found 7unauthorized transactions which were made at XXXX XXXX XXXX ( {$270.00}, {$270.00}, {$460.00}, {$530.00}, {$560.00}, {$41.00}, {$190.00} ) as well as XXXX withdrawals ( {$360.00}, {$360.00}, {$250.00}, {$360.00}, {$150.00}, {$100.00} ). I did not realize that the card was not produced by the atm machine as later, I learned that the card does not come out unless you press to confirm the transaction was completed. I believe the card was left in the machine until someone else got hold of it. My bank is approving the XXXX claim for refund however they have declined my withdrawal claim within 2 hrs of the claim being made. The reason for the decision was because this was chip to chip transaction. They had not conducted a thorough investigation that they promised to conduct under their protection program which should normally take 45 days to 90days. I have contacted the bank to dispute the decision as I dont believe they have done an adequate investigation. I need them to do a proper investigation into the case as they promise under their protection program.
Product: Credit reporting or other personal consumer reports

This account does not belong to me it belongs to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXXXXXX 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: Credit reporting

Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments in the amount of {$2900.00} from XXXX - XX/XX/2022 are not reflecting on my credit reports from XXXX. I call in regularly to get this resolved and it has not been resolved.
Product: Debt collection

On XX/XX/2017 I received a credit alert from XXXX and it informed me that a collections from XXXX XXXX  was added to my credit report in the amount of {$360.00}. I called the collection agency who never identified themselves as a collection agency and spoke with a customer service representative. They stated that I had a balance owed from XXXX and they were hired to collect the balance. The informed me that they had the account since XX/XX/2017, but they never sent any notification or request for payment. I informed them that I did not owe a balance to XXXX and asked them to remove this collection from my credit report. The customer service rep stated that Convergent did not own the account but they would dispute it. This called was made on XX/XX/2017 at approximately XXXX on a recorded line with a rep named XXXX XXXX . At XXXX XXXX, I contacted XXXX and inquired about the balance. I spoke with XXXX at the call center who researched my account and saw that I had no balance.. She stated that XXXX does not work with XXXX XXXX and was concerned about how they obtain my account information. XXXX agreed to provide me a letter within twenty-four hours via email to provide proof that I do not owe this debt and that they have no relationship with Covergent.
I was informed that this may be a scam of some sort and XXXX is investigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian, XXXX, several times asking them to check into an Acct # XXXX for XXXX XXXX XXXX. I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
Experian reports Not paying as agreed. Though XXXX reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C 1666b A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

I have also ask Experian to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, Experian wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.
Product: Money transfer, virtual currency, or money service

A fake person with the name XXXX XXXX is pretending to sublease an apartment on housing groups online ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ). I reached out to him to inquire about the apartment, and he sent me an application to fill out along with a video of the apartment. He told me that my application was approved, and provided the bank information for his alleged landlord ( XXXX XXXX ). We had agreed that I would be able to see the apartment in person, but he kept insisting on having me wire the money upfront so that he could take the listing down. I sent the money on the day that I was planning to go see the apartment, which was XX/XX/XXXX. The wire I sent was supposed to cover 11 months of rent, as well as the security deposit ( {$18000.00} ). I am a XXXX  at XXXX and that money was the entire loan that I had taken out to cover my living expenses for the year. 
I realized that this was a scam about an hour after requesting the wire to be sent, and immediately called my bank, which is XXXX XXXX. The wire was still pending at that time and they were able to submit a recall request from the receiving bank, which is Wells Fargo. I was told that the receiving bank should be able to freeze the wire, investigate the fraud claim, and return the money. 
On XX/XX/XXXX, I received a call form an investigator at XXXX XXXX who wanted more information on the wire recall request. I was also advised by the investigator from XXXX XXXX to submit a complaint form on ic3.gov, which I did right away. I tried contacting Wells Fargo to report this, or to get any information on the receiving account, but they refused to help because I did not have an account with them. 
On XX/XX/XXXX, I called XXXX XXXX to inquire about the status of the investigation and was told that Wells Fargo wants to deny the recall claim, and that I would have to take it up with the beneficiary if I want to get the money back. I have proof of the fraudulent contract, my entire communications with the scammer, and the ic3.gov report, but they refuse to look at any of it. I also reported this incident to the New York Attorney General on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. If you don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. I am excerising my right and choose to opt-out. I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.