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

I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name : PNC Bank, N.A. 
Account Number:463404XXXXXXXXXX There is a late payment for XX/XX/2022, which is inaccurate. PNC changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that PNC only accepts federal notes in person for my credit card. 

PNC has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

PNC has also violated 15 U.S. Code 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. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

XXXX and XXXX are violating 15 USC 1681B and 15 USC 1681C. XXXX does not have my consent to report without my written consent, and they are false reporting. 

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with PNC Bank at any time, look at the history.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing multiple unauthorized inquiries from these companies, XXXX  XXXX on XXXX. XXXX  on XXXX. XXXX XXXX  on XXXX. XXXX on XXXX. XXXX XXXX XXXX XXXX on XXXX. These UNAUTHORIZED inquiries have affected my credit profile and is affecting me from using my credit. Under FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information. Including inquires into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please DELETE the accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand for Permanent Removal of Invalid Collection Accounts and Compensation for Violations I am writing to demand the permanent removal of three invalid collection accounts from my consumer report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Practices Act ( FCRPA ), Uniform Commercial Code ( UCC ), and privacy laws. These accounts have been reported by : XXXX XXXX  ( {$1100.00} ) - reported since XX/XX/XXXXXXXX XXXX XXXX  ( 34 months ) XXXX XXXX XXXX XXXX ( {$8600.00} ) - reported since XX/XX/XXXXXXXX  ( 9 months ) XXXX XXXX XXXX XXXX ( {$6400.00} ) - reported since XX/XX/XXXXXXXX  ( 6 months ) Each of these accounts has had a 1099-C filed by the original creditor, indicating that the debt has been forgiven. Despite this, your company has allowed these collection agencies to furnish my non-public personal information and report invalid debts, causing harm to my reputation and credit score.

I invoke my rights under : FCRA 615 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 615 ( a ) ( 1 ) ( B ) : Failure to correct errors FCRA 623 ( a ) ( 1 ) : Failure to ensure accuracy UCC 3-419 : Unauthorized reporting Privacy laws : Unauthorized disclosure of non-public personal information
Product: Credit reporting

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in XXXX in regards to this issue and have not heard back from XXXX, XXXX and Transunion. They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of XXXX being breached. I even had to call to remove addresses that I 've never lived.
Product: Credit card or prepaid card

A Wells Fargo credit card was opened in my name, phone #, and social security number. I did not open this account nor did I use it. I need help fixing this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Medical bill account was paid in full as of XX/XX/2021 and I was aware that the account was to be removed and I then I was reported 90 days late for this medical bill after it was paid off and it still remains.
Product: Debt collection

Dear WFDS MGR ; 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

I was reviewing my credit report and noticed that I had some inquiries and collections that I did not recognize
Product: Debt collection

XXXX XXXX of XXXX XXXX XXXXtold Capital Accounts on XX/XX/2019they were authorized to report a DISPUTED DEBT claim to collection agencies BEFORE the LAPSE of 30 DAYS FROM DATE OF MY RECEIPT XX/XX/2019  (as communicated in writing by Capital Accounts). XXXX XXXX is a healthcare provider and the owner of XXXX XXXX XXXX - She should know better than to intentionally file false claims regarding medical services.Capital Accounts / XXXX XXXX / XXXX XXXX XXXXshould further be held accountable for taking action in contrast with their own written correspondence which state the recipient of any debt should: (1) REPORT DISPUTED CLAIMS to them (which I did along with providing documentation), and (2) Respond in writing within 30 DAYS FROM DATE OF RECIPIENT RECEIPT (which I did - outlining the incorrect billing, billing errors, charges for services incomplete/not performed and in breach of contract terms).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft.
Product: Credit card or prepaid card

I opened a Capital One credit card in XXXX, XXXX with a line of credit in the amount of {$500.00} and six months later in XXXX, XXXX I received a line of credit increase. I was advised that I would get another line of credit increase six months after the increase in XXXX, but when I requested a second line of credit increase in XXXX, I received a letter from Capital One stating that my average monthly payments too very, however, I make multiple payments above my minimum payments every month. 
Today ( XX/XX/XXXX ), I submitted another line of credit increase and again, I received an automated letter stating the same reason for denial on a credit limit. 
When I contacted Capital One, representatives only apologized for the inconvenience but did not offer any resolution and I was told to apply again for a credit limit increase after six months.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

I had one card from Bank Of America, only one credit report shows this second report for XXXX that I have no knowledge of and fighting in court over this. I have sent multiple letters to BOA to send me the signed contract, but dont have one. I need this solved before my credit score suffers and want it washed away from my credit report
Product: Credit card

I had a credit card through TD Bank, NA which they closed with no prior notification and no just cause simply because I hadn't used the card in a while. In doing so they also stole all my rewards points and would not reimburse them to me. They stated they can't reopen the account and if I wanted a credit card I had to reapply and take a dig to my credit score because they closed the account without just cause or notification. Had I been notified that it was about to be closed i would have used the card. The only reason I had not is because online banking was preventing me from redeeming my rewards points so the card offered no additional benefits. Customer service is terrible and TD Bank abuses the trust of clients. They should be required to notify a customer before any account is closed, not after it's happened so they can't do anything. They should also be able to reopen those accounts if they close them without cause or notification. I.e. if the customer did nothing wrong. They were completely and utterly unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I reached out to my mortgage company, Cross Country LLC for my PMI to be dropped in the beginning of XXXX. I was told it would take a week and a half to be processed and would receive a letter in the mail. I received a letter on XX/XX/XXXX. I completed the necessary paperwork and sent a check in the amount of {$150.00} for the revaluation of my home. An appraisal was not ordered until over a month later, XX/XX/XXXX. I set up the appraisal and it was completed on XX/XX/XXXX. After multiple calls to Cross Country Mortgage LLC. I received no information on the status of the reappraisal. I was told my appraisal process would close XX/XX/XXXX. I called back on XX/XX/XXXX and was then told they had 30 days from XX/XX/XXXX, call back after XX/XX/XXXX. I called back XX/XX/XXXX and still no information. I have never missed a payment and have continued to pay PMI ( {$260.00} ) for the month of XXXX, XXXX, XXXX, and now XXXX. Yesterday I was told a letter was mailed and can expect to receive it in 10 days. The appraisal of my house came back at {$550000.00}. I was told PMI could not be dropped. I am now disputing the appraisal as that amount is nearly XXXX lower than any house that has sold in my neighborhood in the last 6 months. I feel that the mortgage company has been delaying and not providing information at my expense as I continue to make PMI payments. I have called and left my name and number multiple times and never received a call back. Every representative could not provide me with information until I filed a complaint and articulated the dragging of feet, lacking of information and unprofessionalism I encountered. Furthermore, I feel the bank purposefully came in low on my appraisal ( {$5000.00} short of PMI being dropped ). Im sure the disputing process will take months and all at my expense as I continue to pay an unnecessary PMI fee.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation
s.
Product: Vehicle loan or lease

In XXXX of 2024 I received a car loan with Santander Consumer USA Inc for XXXX with a payment of XXXX per month. I have made this payment every month since payments started XX/XX/XXXX but my credit report shows that when santander last reported in XXXX of 2024, they reported no payments have been made and that I still owe the full XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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. 

DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 7 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXXXXX
Product: Prepaid card

I made a purchase using my Venmo card and received a broken item. When I attempted to call the company, the contact information was not valid. I opened a dispute with Venmo on XX/XX/XXXX and was told it could take XXXX business days. I waited the time and asked for an update on XX/XX/XXXX. There were unable to give me an update and could not let me speak to someone about what they are doing in the dispute.
Product: Credit card or prepaid card

I have had ongoing issues with the servicing of my XXXX XXXX XXXX XXXX XXXX XXXX for almost four years. I have provided great detail in the attached document to assist Barclays in understanding the depth and breadth of the issues, but to summarize for the purposes of this submission form, my complaint pertains to the following : 1 ) Incorrect credit card numbers tied to my account ; 2 ) Incorrect persons named as the primary and authorized users on my account ; 3 ) Refusal of Barclays to update my name on my account to my married name despite my having submitted all required documentation ; 4 ) Years of website issues constantly preventing me from accessing my account ; and months of new issues preventing me from using most features of my account. These issues occur regardless of browser and regardless of device. I can not see or print statements ; can not see or use earned miles ; can not pay my bill online, etc. IF I am even able to login, I get errors " Ooops! That was n't supposed to happen! '' or " Uh oh! Something went wrong. Please try again later ''. 

Again, you will find that I went to great detail in the attachment in providing background in hopes that it will assist Barclays in finally getting to the bottom of these issues. After four years of frustration and lost time, I hope to see resolution to all issues very soon.