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

Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - transferred {$500.00} from card XX/XX/2022 - transferred another {$500.00} from card XX/XX/2022 - sent {$1000.00} to wifes account. Couldnt debit card transfer. She sent it back to me. 
XX/XX/2022 - initiated standard bank transfer for {$1000.00} XX/XX/2022 - account frozen. Send id. Provided that information. 
Contacted customer service over the next week in which they continued to tell me to wait 4 business days.. then 2 more.. then it could be up to six.. 
XX/XX/2022 - requested bank statements. I let them know that the card on file was in my wifes name. That I needed to add a card in my name which their was not allowing me to at this point. 

Over the next week, they continue to request bank statements from the card that was not in my name and I continually let them know I needed to add a card in my name. I provided XXXX bank statements for cards in my name. 

XX/XX/2022 - account deactivated and holding my {$1000.00} for 180 days.
Product: Checking or savings account

On XX/XX/XXXX I put a {$500.00} check in the wrong envelope by mistake. Check was payable to XXXX XXXX XXXX XXXX. Wells Fargo bank took check and deposited into account XXXX Wells Fargo XXXX. The copy of this check is attached with this complaint. My bank XXXX Bank issued Wells Fargo a notice to return the money in XX/XX/XXXX but they have refused to send back the {$500.00} which they deposited wrong. The check was written by my financee ' who we have a joint account on this check. Please ask them to return the money they do not have the right to own. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem submitting disputes through Transunion online site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute pertains to EXPERIAN CREDIT BUREAU. They have replied to my complaint ( XXXX ) without addressing my main issue. 

I can not view nor do I have access to my credit file. I paid for a credit report membership for 4 months and my score was not updated. My credit score and credit report have not been updated since XX/XX/2020. After filling this complaint I received an error message stating I needed to update my address and still get the error message after updating. It has not been there until my previous complaint. the membership customer service told me I needed to wait for it to update. I waited and here I am 2 years later. XXXX XXXX XXXX told me they were unable to pull my credit with Experian and it has shows I have no credit. This is UNACCEPTABLE. i WILL BE REACHING OUT TO THE ATTORNEY GENERAL IF THIS IS NOT FIXED AFTER THIS COMPLAINT. AND IF YOU NOTICE I WAS TOLD I HAD NO ADDRESS ON FILE BUT SOMEHOW THEY HAVE 3 ADDRESSES LISTED THAT DO NOT MATCH. I ONLY ADDED ONE. 

BECAUSE I HAVE NO ACCESS TO MY CREDIT FILE AFTER NUMEROUS REQUESTS. I HAVE BEEN UNABLE TO VERIFY ANY INFORMATION. WHICH VIOLATES MY RIGHTS AS A CONSUMER.
Product: Mortgage

PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. 

I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. 

I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. 

Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. 

Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. 

I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report. 

Non-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ). 
Misleading charge-off status and balance amounts. 
Inaccurate closed status without clear verification. 

If these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and XXXX XXXX standards, seeking damages for the harm caused by this inaccurate reporting. 

This is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus Transunion, XXXX, and XXXX and disputed inaccurate information that is being reported on my credit file and I have received no response.
Product: Credit card or prepaid card

I pay all my Bills with XXXX Bill Pay on a monthly basis ; I was not behind or late on any payments. I send a designated amount each month, over, the minimum payment and I check the accounts each month. 

My Account was 30 % below my Credit Limit. 

Synchrony Bank / Pep Boys closed my account down after they initiated a Not Authorized Credit Check on me and of my Account. I was still paying on about XXXX XXXX ( {$300.00} ) dollars of charges. 

Periodically, I use my Pep Boys account to purchase sets of tires or other high cost automotive services. 

Although they Initiated an Unauthorized Credit Check of my account, my account was active and current ; but, they closed it Although, they closed the account, I still continued to pay the monthly payments to pay the account off. 

I have my XXXX Bill Payment records to prove it. 

They show it as a charge off ; this is false, I was paying consistently and on time. 

I have been cleaning up my Credit Report and paying down all of my debt. When Synchrony Bank closed my account ; it resulted in a NEGATIVE Impact on my Credit. I was current with no late payments. 

I filed a complaint with the Pep Boys, Synchrony Bank and the Credit Bureau ; nothing was ever done by the two companies. 

They ignored my complaint of closing the account and NEGATIVELY IMPACTING my Credit Report with the Credit Agencies. 

This is not fair or morally right. 

They are ruining my established credit, by canceling my long term account, they are showing a charge off, or a pay off, and withdrawing my established Credit Limit of {$1200.00} - which immediately impacts my credit score, by reducing {$1200.00} in available credit.

This results in showing a higher debt to credit ratio, than the reduced Debt to Credit Ratio that I had established. 

The final result, is a bad credit score and no way to repair the credit report. Then all of the companies, are allowed to charge 'higher interest rates ', for any credit awarded, for any new accounts. 

This is a vicious, subtle process, the credit bureaus intentionally ; don't respond or respond saying they can't do anything to help. 

The train is driven by all of the UNAUTHORIZED or RANDOM CREDIT CHECKS the Companies randomly pull on CONSUMERS - WITHOUT - CONSUMERS KNOWLEDGE.
Product: Checking or savings account

On XX/XX/2022, I wrote an appeal letter to inform Bank of America of fraudulent charges made on XX/XX/2022, with my card ending XXXX. That dispute was denied with a final decision of no fraudulent activity taking place. XXXX consecutive charges were made in the amounts of {$540.00}, {$3400.00}, {$3400.00}, and {$2000.00}. Currently, I reside in XXXX, California, these transactions were all made in Florida. The morning of XX/XX/2022, at XXXX am, I was at XXXX in XXXX, California purchasing groceries. My card was in my possession the entire time and is still in my possession today. It was after the fact that I received a text at XXXX pm, I immediately contacted Bank of America after receiving this text message, regarding these transactions. Although it was a long wait to speak to a representative, a dispute/ investigation was started at approximately XXXX pm. 

I followed up with the investigation of my account and still, Bank of America is still considering it no fraudulent activity was taken place. I asked what have they done to contact the merchant or verify these transactions. They stated it is still denied and that apparently, I had enough time to fly out to Florida and make these purchases. All these transactions were made online. No flights were purchased to Florida, and at that time I was at work and informed them if a letter was needed from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XX/XX/XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. They have even stopped sending all correspondence to me. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late/Closed - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} - Chargeoff- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed- XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed- Regular letter XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} - Late/Open- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$680.00} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Late/Open XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : AXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX Account # XXXX, has once again violated my rights. I understand according to federal law 15 U. S. code 1681a ( 2 ) ( A1 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U. S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramification of late payments regarding the linked accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having credit freeze and fraud alert, Experian placed 4 hard inquires the same day on my account. They refused to conduct an investigation or even provide details on who made the inquires. They keep putting me on hold and hang up on me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 




EXP : U S DEPT OF EDXXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX XXXX XXXXXXXX {$110.00} XXXX : DEPT OF ED / XXXX XXXX {$0.00} DEPT OF ED / XXXX XXXX {$0.00} US DEPARTMENT OF EDU XXXX {$2000.00} US DEPARTMENT OF EDU XXXX {$1100.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor. 
Verify the accuracy of the reported information with Creditor and any other relevant sources. 
Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX