23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.
Product: Debt collection

My Husband and I had a friend who was in jail we hired a bail bonds co to have him released. The bond was an un secured bond so we did not need to put up any collareteral. We paid the bond co {$1500.00} cash. If our friend fled the court system and did not appear as told to we would be liable for up to {$5000.00} more. Our friend was released from jail on OR before the bondsman ever got there. They kept the {$1500.00} cash and said it was our obligation to finish paying the the remainder of the unsecured bail loan. We told them they were fraudulent and we would see them in court. Time went on my friend was found NOT GUILTY and we forgot all about and wrote the {$1500.00} off. Every 2 years a new collection agency sends me a bill with a larger amount stating I owe them. I dispute their claims in the 30 day time frame and as of now XXXX 2016the collection agency has placed it on my credit report.
Product: Payday loan, title loan, or personal loan

I'm trying to get a credit line set up and I would like the opportunity to borrow XXXX so I can establish credit score.
Product: Credit reporting or other personal consumer reports

Dear Transunion, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Today, XXXX XXXX XXXX, I went onto Ocwen Loan Servicing website and found that Ocwen failed to report accurately to the credit bureaus once again. I also found that Ocwen failed to update their system to reflect the correct payment information. Enclosed is a credit history letter, payment history sheet, a credit reporting sheet, a credit history sheet from Ocwen Loan Servicing website and a credit report from Experian dated XXXX XXXX XXXX. As you can see on the credit history letter, Ocwen is reflecting a " XXXX '', that there is no payment history for XXXX XXXX. Please refer to the payment history page. As you can see, Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, Ocwen failed to report for our XXXX XXXX mortgage payment. Please refer back to the payment history sheet. You can see that we paid Ocwen on XXXX XXXX XXXX for XXXX XXXX mortgage payment. Since Ocwen received our payment in XXXX, why did n't Ocwen report for XXXX XXXX in XXXX? Ocwen Loan Servicing has failed to report accurately in the past and is still continuing to violate our rights. Ocwen keeps stating that once a dispute occurs, Ocwen freezes all credit reporting until the matter is closed. If this is true, why did n't they report accurately for XXXX XXXX a couple months later? Why did Ocwen Loan Servicing own website clearly reflect that there was no payment history available for XXXX XXXX when we did pay Ocwen in advance? This issue must be address and investigated to find out if Ocwen Loan Servicing has violated any State or Federal Laws. Ocwen has ignored our requests, to have Ocwen Loan Servicing report accurately each month and to keep XXXX XXXX in the Ocwen Ombudsman Office from providing any responses to anyone, regarding our mortgage loan. XXXX XXXX has failed to answer our questions in the past and failed to provide documentation as we requested. We will continue to file complaints against Ocwen loan servicing until they comply with our requests!
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. This relating to late reporting, inaccurate reporting data to XXXX Per 16 CFR Part 660 The Furnisher Rule is a regulation that requires furnishers of information to credit reporting agencies ( CRA ) to provide accurate information and to investigate and correct any disputed information. Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} Closing statement date XX/XX/XXXX showed my balance XXXX you reported to XXXX XX/XX/XXXX balance {$190.00} you did not report correctly I used the XXXX card after XX/XX/XXXX so why did you report the new balance on XX/XX/XXXX? Also, you reported credit usage 98 % inaccurate, XXXX score has decreased by XXXX points as result of your unfair credit reporting, you reported the payment summary data unavailable I pay you every month. Why Navy Federal Credit Union you are reporting Late to XXXX and inaccurate information on my credit report per 16 CFR Part 602 Fair and Accurate Credit Transactions this is unfair. Errors in a report can result in denial of those benefits or higher costs. ( see attachments ) Dear XXXX As Consumer reporting agencies you have assumed a vital role in assembling and evaluating consumer credit The banking system is dependent upon you for fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods it also undermine the public confidence which is essential to the continued functioning of the banking system. Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting this relating to my XXXX XXXX XXXX XXXX XXXX with Navy Federal Credit Union the data reported for XX/XX/XXXX shows balance in the amount {$190.00} the information is, in fact, inaccurate on my consumer report from XXXX payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} ( see attachment A ) also according to XXXX 99 % credit usage for my secured credit card rewards visa in the amount {$190.00} this inaccurate ( see attachment XXXX ) also my credit XXXX score has decreased by XXXX points as result of your unfair credit reporting also Navy Federal Credit Union refused to report my payments as Paid as agreed please update please see all attachment per XXXX XXXX Notice to Opt Out from Navy Federal Credit Union was submitted in XXXX to Opt Out of credit utilization along with the disclosure of nonpublic personal information to a nonaffiliated third party so why are you reporting my balance XXXX you are a nonaffiliated third party a consumer have Continuing right to opt out. A consumer may exercise the right to opt out at any time. XXXX you have legal obligation under the Fair Credit Reporting Acts to report accurate information Its all about accuracy and integrity do the right thing. ( see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

As notated on my credit report, Bank of America at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with Bank of America has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized credit inquiry was posted to my report from XXXX between the dates orXX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate accountsin my file. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Kindly remove these fraudulent items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items are inaccurate and fraudulent . Im seeking Litigation. Please delete them at once.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX son purchased XXXX games from XXXX XXXX XXXX for {$94.00} and {$29.00} via Paypal. I filed a case with Paypal and they denied the request, despite the fact it was apparent this was an order for a children 's game.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on since XX/XX/2022, 3 cards were opened with my information when I opened a XXXXXXXX XXXX XXXXXXXX account, my information was stolen, 2 of the cards did their research, XXXX and XXXX credit and they showed stuff sent to my address as well, but packages get stolen in our community every day, it's always happening. Comenidy Bank is the only one who refuses to delete this fraudulant account from my credit, I called them and reported the fraud as soon as I found out it was another account that I didn't open, I have spoken to numerous people in their fraud department over the past year and I am sick of fighting with them, again this is NOT my account, I did not purchase anything on this card. They continue to add interest to the account which is on my credit report, I have enough credit cards, if I wanted something I'd purchase on those, I want this fraud dropped from my account!! I have worked hard with the cards I have to raise my credit score and this account that is fraud needs to be deleted, Ive spoke to XXXX in the fraud unit, he did nothing, I spoke with a XXXX he said he got it fixed, I spoke to XXXX who said they had just had a system update or change and it was a glitch and boxes weren't checked and things weren't done correctly to my fraud account, then after he said it was fixed and noted, I also spoke to XXXX a few times she tried to get me thru to fraud dept, because they never answer, we had no luck either so I spoke to a supervisor XXXX I think her name was and she told me not to worry it was taken care of, but it still hasn't, The company is not listening to what I've been reporting to them for over a year, I NEVER USED OR APPLIED FOR YOUR XXXX CARD I HAVE PLENTY OF MY OWN DELETE FROM MY ACCOUNT ITS FRAUDULENT I am sick of fighting with this company I never received ANYTHING from this place nor did I ever apply for this card I have plenty of my own I don't need anymore and this was reported by me because I found it after we found the XXXX one with someone with my name address and email on XXXX my son had sent me money and it went to that lady, she had all my information and thats when I looked up my credit report to find the XXXX credit and this XXXX bank card was applied for and I called that date to report it, and here I am a year later ONLY fighting with YOUR BANK, ridiculous I NEVER APPLIED FOR THIS ITS FRAUD DELETE FROM MY CREDIT REPORT AND LEAVE ME ALONE!!! ITS FRAUD I NEVER OPENED ANYTHING WITH THIS BANK,!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization.

Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer.

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

I received a email from chime and they said my card was lock for fraudulent activity at XXXX on XX/XX/XXXX then a hour later I received another email stating my phone number and email was updated so I tried to log in my account and I was lock out so I called chime I had to verify my identity by sending picture of myself holding my drivers license and paper with the date and my signature after that they reset all my information and I was able to log back in my account and thats when I saw that it was XXXX transactions made to a XXXX XXXX one was for XXXX and the other was for XXXX I couldnt dispute it until it cleared and it cleared Saturday morning so thats when I did my dispute and this afternoon they claim they didnt see no foul play and claim I cant get my money back I sent emails and police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have been disputing multiple incorrect Public Records and Collection Account to be removed from my Equifax Credit Report but they refuses to allow me to dispute these XXXX Public Records and XXXX Collections Account which does not belong to me. 
I have tried multiple time to resolve it, but now Equifax has locked me out completely when I try to dispute these XXXX Public Records and XXXX Collections Account. 
I wrote to them 3 times with no response in the past 60 days Some items are over 10 years old. 
XXXX and XXXX were very helpful and removed negative items within 30 days I need HELP PLEASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Amount : {$27.00} It says in the email that my PayPal account has been limited. And that I need to either login or submit a payment cancellation form. When I went to the website it said that this information is serious. Also, it said that Im being charged on my PayPal account {$27.00}.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete these accounts ASAP.