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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, These are the inquiries as shown below which was never acknowledged or approved by me but I see them outstanding on my Credit Report. I have reported to the respective credit bureaus to remove them as they are not acknowledged but there is no action or feedback from their end. Please help in removing these inquiries as I have have never provided any consent for any of them. Thanks, 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I completed the sale of an automobile in New Jersey. I do my banking with PNC Bank, so the buyer and I met near a PNC branch in XXXX, NJ. 


The buyer provided me with a cashiers check from their NY based XXXX XXXX in amount of $ XXXX. I immediately deposited the check into my checking account # XXXX at PNC Bank. The staff in that location was also rude to me as I carried out this transaction. The teller said the funds would be available in a few business days. 


The funds were not made available to me over the next few days and they remained as 'pending '. About a week later, I received a letter in the mail from PNC stating that the deposit was placed in review to verify the check. I called PNC customer service and their fraud department stated that the check was simply " under review to verify that the issuing bank could cover the deposit amount ''. Mind you that the check was a cashiers check and this should not have been an issue. 


A few days later, the deposit was finally moved to my available balance. I then moved the entire amount of this deposit into my checking account # XXXX, which is not connected to a debit card. I did this because I was victim of ATM skimming a few years ago and for that reason I do not keep large balances in the checking account connected to my debit card. At this point I thought everything was ok. It was not. 


On XX/XX/year>, I submitted a XXXX payment to cover my monthly rent. My XXXX payments draw from my checking account # XXXX. I received an email early in the morning on XX/XX/year> stating that the payment could not be fully processed due to my checking account # XXXX being frozen. A portion of the payment was taken from my XXXX balance with the remaining amount was covered by XXXX and creating a liability of a few XXXX dollars. I logged into PNC XXXX banking to discover that I have XXXX available balance in my checking # XXXX. Not only was the amount of the deposit related to the automobile sale frozen, but the entirety of my checking # XXXX was frozen. The deposit for the automobile sale was only a portion of my total balance in checking # XXXX, but PNC froze the entire account balance and reduced my available balance to XXXX. 


At this point I became very alarmed. On XX/XX/year>, I immediately called PNC customer service and was told by the XXXX department that " they had to again verify the check with the maker bank because they could not match the check ''. They stated that they were faxing a copy of the check to the maker bank and that the account would be unfrozen by end of business. 


It is now XXXX days later on XX/XX/year>, the account is still frozen and PNC has yet to provide an update. This is absolutely unacceptable and shows complete lack of transparency and courtesy from PNC Bank. I have bills to pay and I'm facing the possibility of not making my payments due to my account being frozen. This is going on nearly a month since I deposited the check and the funds are still in limbo. I can not believe a very large financial institution is unable to process a check in a timely manner and so poorly treats customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  authorized a line of credit eventhoug my credit with all 3 bureaus, XXXX, XXXX and XXXX, has Been locked and frozen since XX/XX/XXXX, It should be wiped off by default either by XXXX or XXXXXX/XX/XXXXfault,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing CoreLogic since 2015 requesting inaccurate information be removed from my tenant report but they refuse. I've sent police report, court records, chapterXXXX bankruptcy information and still they refuse so the information is being reported as an open judgement for unlawful detainer against me and I can't rent a home. They've cost me well over {$1000.00} in application fees and have caused at least 8 denials. I've reported them under Fair Credit Reporting but have never received any help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at XXXX PT I made a transfer money from wells fargo bank to XXXX in XXXX. It was a expressend service from wells fargo. I was sent XXXX $ from checking account. They said that money will be available on or before XX/XX/2018 in receiving location. But my sister from XXXX she didnt get any money. The XXXX said that money was not available and the confirmation number was incorrect. I dont know what to do. I have tried to call the wells fargo but i didnt have any good answers for me. Im so worries about my money. Please help me. Thank you
Product: Student loan

My Navient accounts have been on an income driven repayment plan for {$0.00} over the last 10 years without any prior missed deadlines. 

In late XXXX I submitted an annual renewal application 3 months prior to the original deferment deadline. Shortly after submitting my annual renewal, was in the hospital for over 2 and months fighting for my life from XXXX XXXX and was unable to sign requested documents. 

I explained to Navient representatives that my hospitalized from XX/XX/XXXX to XX/XX/XXXX was related to XXXX XXXX, but they refused to extend deferment and reported my 4 Navient accounts as 90 days passed due to XXXX, XXXX and XXXX
Product: Debt collection

On or about XX/XX/XXXX I received a letter from General Revenue Corporation regarding an alleged debt. According to the letter that was dated XXXX/XXXX/2020 I was in debt with XXXX XXXX University in the amount of {$2100.00}. This amount included a collection cost of {$420.00} and the entire balance was assigned account number XXXX. Upon receipt of this letter I requested validation of this debt from GRC. I submitted multiple letters to GRC requesting further validation of the debt and my requests were received by GRC on XXXX/XXXX/20 and XXXX/XXXX/20. The letters were received by XXXX XXXX and XXXX. On or about XXXX/XXXX/2020 I received another letter from GRC that alleged to validate this debt. The letter stated that the information we provided to the consumer reporting agencies is accurate and will continue to be reported in accordance with the Fair Credit Reporting Act. Enclosed is validation to support the reported information. The letter I received on or about XX/XX/XXXX stated that I was in debt to XXXX XXXX University in the amount of {$1700.00} and this amount included a collection cost of {$350.00}. Both the total amount owed, and the collection cost were different than the original amounts alleged on the letter I received on or about XXXX/XXXX/2020. The letter suggested that it validated the original debt however the amounts owed on each letter were different. The letter I received around XX/XX/XXXX2020 that allegedly validated the debt also included a statement from XXXX XXXX University. The statement was not a contract and it also did not contain any type of identifying marks that suggested that I had agreed to this debt with the university. The statement alleged that the debt was derived from federal financial aid. I was not a student with the university during the time of the alleged debt and I am also currently enrolled in school with the University XXXX XXXX. All of my student loans with the U.S. Department of Education are in deferment status while I am a student. I am unaware of the legitimacy of this debt and have not ever been contacted by XXXX XXXX University regarding this debt or any other debt. GRC is attempting to collect an unvalidated debt and have sent numerous misleading and threatening letters in their attempt to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00}
Product: Credit card or prepaid card

I applied to American Express Credit card. As two very XXXX seniors ; we seem to be easy target for predators of all kinds, including credit card companies. I was late once with American Express Card for the 1st time. I made the payment less than a week late. I was in a no interest charge promotional until XXXX. However ; American Express has very abusive policies. A consolidation company said I could consolidate and the consolidation company told me not to make payments this month. But I cancelled them becasue they were not efficient and want to be responsible enough to not let my banks down. By this time only 4 payments were late with 4 credit cards! I have a history of making payments on time 100 % of the time. I called AMEX to reverse the interest, being the first time, and was denied. They charged me {$100.00} just for one month! Therefore ; their policy is so abusive that just because we make one payment late they took me out of the no interest option and charges me 100 @ 30 %. I'll also be filling complaints online against them all over. It doesn't matter to them that the ratings online or 1 to 2 stars! CEO Mr. XXXX aexp.com and email XXXX@aexp.com. It's good to know, though, how abusive AMEX is so I won't due business with them! I will send him a copy of this email address. I was in a temporary financial dispute for my senior XXXX son 's benefits and resolved them!
Product: Debt collection

During Covid I was hospitalized for approximately three months starting on XX/XX/XXXX. XXXX. On initial hospitalization my insurance switched from my previous employer to state of Kentucky Medicaid. The initial start date of the Medicaid was incorrect which later caused some issues between my previous insurance and Medicaid as to who was going to cover the hospital expenses. This took over a year to correct with medicaid finally being backdated to reflect the correct start date of coverage. All medical companies that were affected, and still waiting for insurance to cover the bills, were notified to resubmit to Medicaid. Some companies grew impatient and submitted claims to debt collectors which in turn filed claims against my credit rating. Additionally, debt collector - Merchants Credit Guide - began harassing phone calls several times a day concerning a {$300.00} dollar debt to XXXX XXXX XXXX XXXX Kentucky which is part of the XXXX XXXX XXXX XXXX. It got to the point where I didnt answer the calls and turned off my voicemail. Both the XXXX XXXX and XXXX XXXX were made aware of my situation by both myself and the XXXX Kentucky Health Department, yet XXXX XXXX forwarded my dept to a collection agency. XXXX credit brings my XXXX credit rating to just below XXXX. Its frustrating and aggravating they can do this and I want them to remove the blemish affecting my credit rating and to stop the phone calls! It will likely take 3 to 4 weeks for Insurance to process the claim so knock it off!
Product: Debt collection

On XXXX XXXX, I contacted Caci - consumer adjustment in reference to a medical collection. First, I was informed that I would have to pay a convince fee of {$39.00}. I then asked if there was a place that I could pay online to avoid the fee. The answer was no. After I paid the fee plus debt, my account was charged instantly. I was told that I would be receiving an email with my receipt 7 business days after the payment was made. I called back after those 7 business days, and I was told that I did not receive my receipt because my email address on file was incorrect. Then, I was told that I would have to wait another 7 business days. After those 7 days I called back because I still did not receive my emailed receipt. I was then told that they would be mailing it. I still have not received my receipt via email nor mail. The collection is currently still showing on my credit report. Lastly, another agency call me in reference to this same debt, and I told them I have paid it. They instructed me to send the proof, but other than the funds being deducted from my account I do not have any proof. 
Thank you
Product: Credit card or prepaid card

Recently I have applied for a Chase Freedom XXXX card, despite my credit score being in the very good category they have denied me, They have listed my score at XXXX. My current credit card uses is about 35 % and My bankruptcy was more than 10 years ago. I have strong feeling that I'm being unfairly denied.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a charge of {$830.00} was made through XXXX using my Capital One card. XXXX had processed this charge as Friends & Family to a XXXX. Capital One listed this charge as a professional service. 
I immediately ( on XX/XX/XXXX. ) contacted Capital One and disputed the charge and also requested a new card. I contacted XXXX and tried to dispute this charge, however I was told friends & family charges were not covered by XXXX. 
They advised me to contact the person who charged my card. This person ( XXXX ), has blocked me on XXXX and I am unable to contact him. XXXX advised me to contact Capital One. I did so on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each time I spoke with an agent in the fraud department. I filled out all paperwork Capital One asked me to. I asked Capital One to contact the person who charged my card and ask them to also provide evidence of purchase/service/etc. I informed Capital One that I believe either my XXXX, my email or my XXXX had been hacked. Capital One never contacted XXXX. They never asked this person to provide evidence. They only contacted XXXX. I have pages of documentation of calls, letters of updates, charges reversed and then reapplied. As of today XX/XX/2023, I was informed by XXXX at Capital One that they would not investigate further and that they would hold me responsible for these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with information on my credit report and they ( TransUnion ) refuses to remove something on my credit stating it was accurate. Dr XXXX has put on my credit report that I have bad credit. Let me tell you what happen, In XX/XX/XXXX I went to see Dr XXXX, I did not like him and I didn't go back to him. Weeks later I recieved a bill, I had call Dr XXXX and told them I had insurance and ask them why they did not file to be paid , Dr XXXX nurse told me I had to file for it for them to get paid! I never heard of such any time you go to the doctor they file for you, so they can get paid. I as a consumer did not know how to file because they use XXXX codes to get paid, I called the nurse back and she told me she didn't have the time to file for me and that I needed to learn how to file and hung up on me. I again called the office back and she again told me the same thing and hung up on me. How this is on my credit report and I want it remove. I contacted TransUnion file a complaint and it took 1 month to investigate this matter and they told me it was accurate, this isn't fair. A clinic visit is now {$900.00} and I'm being called everyday three and four even 5 times a day screamed at talked to like a dog. Because his nurse refused to file my insurance, now they have change the date so it was XX/XX/XXXX and now they are saying XX/XX/XXXX. TransUnion is not being fair they gave the people my phone number to call me and harness me. It all started with XXXX XXXX. How do I file a charge against them for doing this to my credit and me?
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed. 


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 XXXX days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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! 


Delete the late payments from my consumer reports
Product: Mortgage

I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX XXXX