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

This is my another request 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, please delete the noteworthy of any information in my credit record that came about due to an alleged fraud. Please delete the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$4400.00}.
Product: Checking or savings account

I received a letter from PNC Bank dated XX/XX/2023 about an overdrawn account. The overdraft was in one of the 3 accounts that are part of my " Virtual Wallet '' ( Spend, Reserve, and Growth ). My wife had withdrawn money from a non-PNC ATM, which automatically checked our account balance and in turn initiated a {$3.00} fee for both my primary checking ( Spend ) and savings ( Growth ) ; this transaction occurred on XX/XX/2023. 

I called PNC on XX/XX/2023 after receiving the notice on XX/XX/2023 and was told there is no way to prevent this from happening when using a non-PNC ATM, and that although PNC has halted NSF fees for their checking ( Spend ) accounts, that this did not apply to savings ( Growth ), and that further fees would begin to accumulate if the - {$3.00} remained in my savings ( Growth ) account. 

I don't use the Growth account because we have some uncertainty in our lives ( both of us with sick fathers with little savings, one recently deceased ), so I asked if there was any way of preventing this fee from occurring because it's likely I will use another non-PNC ATM in the future and not catch the notice, which came 3 weeks after the fee. They said the only way to do so would be opening another account.

PNC Bank advertises it's removal of fees and I'm sure it brings it a lot of customers, but this doesn't seem to be the case with its " Virtual Wallet '' product, which at best seems to be a way to unethically incentivize customers into storing funds in their Growth accounts, but at worst looks to be the same predatory fees with few added caveats.
Product: Credit reporting, credit repair services, 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 items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I included it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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, credit repair services, or other personal consumer reports

I, XXXX XXXX, totally upset and sent letter on XX/XX/2022 to XXXX and Transunion regarding my inaccurate and unknown things that I saw on my credit report. Through this, I am requested to see verifiable proof ( i.e : an original consumer consumer contract with my signature on it ) that you have file for the account listed on my credit report to this day over 60 days later, I have not received as of yet. I feel like I am not being taken seriously and ignored of my disputes. Under section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request the removal of recent credit inquiries made by these companies as I did not authorize these actions. I understand that credit inquiries can impact my credit score, and I would appreciate it if you could investigate this matter and ensure that the inquiries are removed from my credit report. Down below Ive also did an ftc report. 

Please confirm receipt of this request and provide a resolution at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Mr. Cooper numerous times every day since after XXXX to get them to report to the credit bureau a 30 day late payment from XX/XX/XXXX and also that my account was paid off on XX/XX/XXXX in order to proceed with a new loan. All my new lender needs is a leader head with Mr. Cooper on it, my name, account number, and stating that I was 30 days late in XX/XX/XXXX and loan was paid off in XX/XX/XXXX. Mr. Cooper has refused to deliver that document. I need this expedited because we will be homeless after XX/XX/XXXX if this loan doesnt go through. 2 representatives at Mr Cooper said they would send the letter I needed, but I haven't received anything. Also had a representative from XXXX 3way call myself and Mr.cooper yesterday XX/XX/XXXX to satisfy their criteria, however, XXXX   doesn't do 3 way calls, so my family and myself are at the mercy of Mr.cooper and getting nowhere. I would like help to force them to report to the credit bureau or give me that specific letter. Also found out Mr.cooper hase n't reported anything since XX/XX/XXXX. Very nerve racking. Aweful customer service for 5 years now and not accommodating at all. I will tell everyone I know to run from Mr.cooper. Thank you
Product: Credit reporting or other personal consumer reports

I would like these accounts that I listed in the file removed from my credit report as they are not my accounts they were fraudulently
Product: Credit reporting or other personal consumer reports

I am trying to apply for a loan, to a XXXX. In order to fix my XXXX I am on XXXX and can't afford to pay out of pocket for my services on my XXXX And Credit Care runs a report on my credit, right from my XXXX  and denies me right away! 

How can I get my XXXX fixed? Since I only have Medicaid, and it doesn't cover my services. And the Credit Care or other Financial companies they use? To run my credit history? Denies me every time!
Product: Bank account or service

On XXXX XXXX, the PNC Bank branch in XXXX, New Jersey allowed my family member to make a deposit into my checking account. This is an unwanted deposit. I do not want any type of " friendly " deposit allowed into my personal banking account. This can not be allowed. I did not want the deposit and the information should NOT have been shared. My family member now knows my banking account information and received it directly from the bank teller.
Product: Checking or savings account

On XX/XX/2022 I canceled a recurring scheduled transfer in order to add a different account to transfer to ( new account to pay into for Landlord for rent ). Because I added this new account it was flagged by the Fraud Department and the transaction was canceled. I got in touch with the Fraud Department on XX/XX/2022 and they approved the new account to transfer into. 

At that time they told me to wait 24 Hours and set up a new transfer since they had canceled the original transfer set up on XX/XX/2022. 

I tried to set up the transfer on XX/XX/2022 but was unable to do so because the " canceled '' transfer was still in place and it would not let me set up a new transfer as it would go over the " daily limit '' for transfers. I was assured that on XX/XX/2022 the original transfer was cancelled and to wait 24 Hours. 

On XX/XX/2022 ( 24 Hours after the transfer ) I called back and spent ~1.5 hours on the phone with customer service, and they again assured me that the transaction was canceled and I should be able to create the transfer on XX/XX/2022. 

Today on XX/XX/2022 I am still unable to set up the new transfer. No one has been able to sufficiently take care of this issue, and its getting close to the time that rent is due. I also discussed that it seems the issue may be resolved if they could change the " transfer limit '' but they state that this is impossible without any more reasoning.
Product: Checking or savings account

In XXXX XXXX XXXX  there were several transactions that took place on my Chime account. In total XXXX transactions totaling {$19000.00} which spanned over a period of 16 days ( XXXX XXXX XXXX  ). At that time I was a very new customer to Chime and it was not my primary bank. I was never notified about any of these transactions. The merchant was some online gambling/sportsbook which I have never previously heard of or done business with. 

I filed a dispute with chime letting them know I did not make these transactions and that I also have been a victim of identity theft/hacking. I submitted documents to chime showing this. I was/am a victim of the data breach XXXX suffered in which all my personal information including SIM card were accessed. My Social Security number. Drivers license number. Phone number. Email addresses and corresponding personal information have all been compromised and found active on the dark web. Again I have proof of this from identity monitoring services which I pay for. 

In addition I was able to contact the merchant through the contact information Chime provided me. I explained the issue and eventually was able to convince them send me an email correspondence they had with the person ( s ) using my information. And in that correspondence even the merchant was stating they were clear and obvious signs of unauthorized activity regarding the account which they closed for this reason. 
I forwarded this to Chime as well as part of a rebuttal which was also denied. 

The documents that Chime has sent me in which they used to make the determination are made up of circumstantial and baseless accusations. It looks like they gave an opinion rather than an investigation with evidence. Several of her bottles have been denied and I am left devastated not knowing where to turn. The Internet is filled with stories such as mine which chime just denies claims even when staring at evidence proving otherwise. They need to be stopped and I need my money back as this has put me in a really bad financial position as well as taking a toll on my health
Product: Debt collection

On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.
Product: Consumer Loan

I have a home equity loan with Wells Fargo Bank. Beginning with the XXXX XXXX and XXXX XXXX payments I began using bill pay through XXXX. Using bill pay, XXXX {$1500.00} payments were made by me to WFB on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that WFB received, but XXXX and then began harassing phone calls by WFB. I explained things numerous times to WFB representatives and provided them with the documentation proving that they had been paid timely. They nonetheless asserted late fess. I had them talk to my private banker to resolve things with no success. I asked them repeatedly to confirm that they have not reported late pays to the credit reporting agencies with no success. I have followed up repeatedly about things being resolved with no success. I have asked them to confirm that they had received payment because they then inexplicably refunded the two payments with no success..
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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/updated. 

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 credit

or 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 have requested proof that this information was mailed or delivered 21 days before the payment due da
te 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, I have called in one dispute and mailed four dispute letters to TransUnion starting in XX/XX/XXXX and to date, I have not received a written response from this company. On XX/XX/XXXX I was notified through my credit monitoring company that my FICO score had decreased by 10 points due to TransUnion reporting a delinquency on my report from a XXXX XXXX account I have been disputing with them. In my dispute of the XXXX XXXX accounts, I asked that they provide me with the documentation they used to verify the accuracy of the account. Not only did they not comply, they have made changes on my report since I started disputing the incorrect information on my account in XXXX and have not mailed me anything regarding the outcome of any of their investigations. When they reported on 13 XXXX XXXX accounts, they never validated that information, because had they done so, they would've known I had graduated college before some of those accounts were even opened and we all know, once you have finished college, or have stopped attending, the money becomes do, however, Transunion is reporting new loans opened after I finished school. I asked that they provide me with a promissory note showing that I was able to take out education loans AFTER I completed my education. XXXX XXXX is known for re-aging accounts and TransUnion is complicit in this illegal act by not doing due diligence in investigating consumers complaints. We all know TransUnion does not work for the consumer, but I have a legitimate argument, and I demand they delete all of the items they have not been able to validate and send me an updated credit report reflecting this. I am going on two and a half months with no correspondence from TransUnion, I now just rely on my credit monitoring company to alert me when changes are made to my reports. Delete those fraudulent XXXX XXXX Accounts, Delete all of the information I have disputed with you that you have failed to respond to within the 30 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. Experian still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

please refer to the attachment for detailed information regarding my matter at hand.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since XXXX failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that XXXX has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore XXXX is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above.

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection Company had garnished my wages for a year. When garnishment was paid in full, instead of reporting the debt as paid, they deliberately left a {$5.00} balance showing and dropped my credit score by 45 points. This debt was paid in full. This company knew it was. The garnishment was for over {$4500.00}. All went to Outsource and for them to leave a balance of {$5.00} was clearly deliberate. I had no control over any of it.
Product: Credit card

On XX/XX/year> I received a 1099C copy B for debtor form from Synchrony Financial via USPS mail. I called XXXX & spoke with Account manager XXXX & she knew nothing about why i would get a 1099C & said she saw that nothing was sent to me. Also she mentioned fraud. she said she saw an internal form that mentioned that but did not answer any questions I posed to her about this. She also corrected me & stated that care credit & synchrony are a BANK not creditors. I asked her to transfer me to someone that could see the notes pertaining to the 1099C & who could explain the fraud she said she saw verbally mentioned. I was transferred to XXXX who identified herself also an account manager. She said that the account would update in 1-2 billing cycles but she needed to ask someone else about the fraud & 1099C. She put me back on hold & said she asked 3 account managers & no one could see the letter ( I corrected her & said 1099C ) I was talking about. I asked her what I should do about my account? She told me to call the IRS. I disconnected the call. I am reporting this because why would I have a Cancellation of Debt that is still showing up on my credit reports? Certificates of indebtedness is considered INCOME that is to be recorded on Income tax return & INCOME can not be reported as debt. Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( FCRA ) under 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give TransUnion written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.
Product: Credit card

CBNA/The Home Depot  is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.