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

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused.

I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX  Account # XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) 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 in those account 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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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: Checking or savings account

This is a complaint against PNC, I have a business checking account that PNC has systematically locked my account and access to money and hindering my business and causing serious emotional duress. On XX/XX/2023 I went to withdraw money from ATM. My account was locked out for fraud, I had a very difficult time getting assistance and was almost stranded during a travel day. After this incident my account has been systematically locked every week and seems to happen on Fridays. It has prevented a number of business transactions that have caused me extreme stress. It's either comical or criminal, the past two incidents I accused PNC of criminal behavior and I was dismissed and laughed at by their representative and yet the lock out occurred again this week. PNC is responsible for negligence at the very least. This is five straight weeks I've had to deal with this, and in the midst of changing banks. Divorcing your bank is more difficult than divorcing your wife! All conversations have been recorded and my belief is PNC 's behavior is criminal, this has gone beyond negligence!
Product: Credit reporting 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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

Finally spoke to someone around XXXX named XXXX XXXX in tax department. He said he would have answer for us based off of our mortgage going back to normal by XX/XX/10. The company said my taxes went up XXXX but they did not that illegal! They would do another escrow analysis to show that it was just a tax payment not paid from previous owners!!! And they will have it fixed by XX/XX/10! No answers with this place .. spoke to XXXX today in tax department and all of the sudden I dont have authority to speak to them even though my husband and father gave them authorization once and added me yo the account. You get nowhere with them! They just take your money and dont care! Horrible customer service!!
Product: Mortgage

XX/XX/XXXX - Won an offer to purchase a home at XXXX, TX XX/XX/XXXX - Got per-qualification letter XX/XX/XXXX - Application submitted, we had only XXXX days for financial approval and end date was XXXX XXXX XX/XX/XXXX - Initial Disclosure signed XX/XX/XXXX - Required documentation uploaded, at this point Guidance Residential verified that my co-signed property which was in forbearance is exited with XXXX trial payments, Guidance agent XXXX only told me that if I can only show XXXX payments done on forbearance property, I will get loan XXXX XXXX  sure. But he didn't told me that the documentation also need to be completed and mortgage statement have to reflect that, otherwise I would not apply loan without ensuring those documents. We showed him XXXX payments and he was okay with that, no more question asked until XXXX XXXX and its too late to save my {$10000.00} earnest money. 
XX/XX/XXXX - Rate locked to XXXX XXXX which was higher than others. 
XX/XX/XXXX - Loan was conditionally approved, we still have XXXX days left to deny the loan but Guidance Residential still didn't have any issue. 
XX/XX/XXXX - Home was appraised XXXX - XXXX ordered XXXX- Guidance Residential denied the loan based on the Forbearance property documentation issue. 

The complain is, Guidance agent ensured that I will get loan only If I can show XXXX payments on the forbearance property, but they didn't tell me I need to have updated documentation and mortgage statement as proof, if they would told me that, I would not apply loan before I receive those documents. Now they denied me as I don't have those documents yet, and they did it when my financial approval period is over, and now I have to lose {$10000.00} earnest money. They deceived me. There should be a law to enforce Mortgage Lenders to deny loan within the financial approval time so that we don't lose earnest money. This happened XXXX times, please help.
Product: Credit card

Someone needs to stop this harassment, abuse and illegal activities. I filed a complaint with you and you closed the case without resolution. They need to void ALL charges as as purchased {$60.00} worth of merchandise and have l paid the over {$90.00} that is merchandise plus one late fee which was their fault not mine. Attached is my previous complaint. I just received another statement for {$240.00}. This amount is all for late fee. They have charge late fee over late fee. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Scratch Financial, I XXXXXXXXXXXX Open Date XX/XX/2017 Balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Product: Credit reporting or other personal consumer reports

Recently, Ive gotten a chance to take a look at my credit report using XXXX and other auditing and security tools, and I have become aware of multiple inaccuracies and false information on my account. These discrepancies are hurting my ability to obtain credit. Ive researched and come to the understanding that Experian, XXXX, and XXXX will individually investigate these accounts and provide me with verification to ensure accuracy. The accounts that need to be properly verify as accurate are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would appreciate a swift response in a timely matter, as this issue is time-sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been mixed up with my XXXX  and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both experian and XXXX havent been able to do anything. XXXX theres still has inquiries that aren't mine, and a reported closed account, not mine either. Experian has a account thats not mine on their report and another closed account.
Product: Credit card

Fraudulent charges were made on my Discover credit card, without my knowledge or authorization starting XX/XX/year>. I did not notice the fraudulent charges on the account until I went to view the balance and make a payment for previous charges made by me on the account in roughly XX/XX/year>. In this period of time between when the fraud started and when I reported that fraud and when the charges initially started, I did not get any email notifications of the large spending amounts for these charges, despite them being activated on my account via email or otherwise. No attempts were made to flag or review these charges as they were being made. The charges in total are roughly {$6100.00} Once I reported the fraud in XX/XX/year> they eventually claim the charges were valid for the following reasons : I paid on the account for my charges to keep it current I waited to report the fraud ( this is not my everyday card, so I do not review the balance unless I use it or get some alert ) I logged in ( I logged it to make payments on the account, after the fraud started and this is when I noticed ) The suspect has not responded They attempted to contact the detectives assigned to my case but they are slow to respond due to staffing Many charges for airbnb were made on my account using my phone that was stolen while I was out of the country. I was away for the period of XXXX so I did not have access to anything. Charges were also made on my card for rent with rental company XXXX management based in New York. I reside in XXXX XXXX, and provided proof of my ledger, lease, rent amount, and payment history, as well as the company that manages the apartment that I lived at, at that time. I included ample documentation of where I was, reported the incident to the police, proof of my airbnb accounts which I have not used in years, I have also included my identity theft report with the FTC as this was an issue that spanned across many accounts. Similarly, I provided a receipt of the replacement of my cell phone, which they requested and proof that all other accounts affected had to be replaced, such as my XXXX credit card and my wells fargo bank accounts. I provided proof of my flight back to the states paid for by my cousin in XXXX, since I was stranded with no accounts or phone. I also provided proof that I was out of the country once the fraud began. 

Since they have been investigating, I have been responsible for the charges and the accrued interest on my account, which violates the rules and regulations associates with the FTC, which they are bound by. 

I also informed discover that I was not in possession of my card, at the start of all of this.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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: Checking or savings account

On XX/XX/13 M & T Bank closed my savings and checking accounts totaling {$38000.00} without warning or explanation. Two very active accounts with money constantly moving in and out of those accounts just suddenly gone sending me scrambling. I have not received the balances and don't know how or when to expect my money from this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. XXXX XXXX XXXX and CREDCO IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from CREDCO dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report, added without my knowledge or consent. These 4 unauthorized accounts and 3 inquiries were placed on my report without my permission. 

ACCOUNTS - 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 I have already submitted a report to the Federal Trade Commission ( FTC ) regarding the identity theft and am requesting the prompt removal of these fraudulent items to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in damaging my consumer reports status and credit score appearing on FICO. This identity theft violates section 609 law whereby they can not provide the original document that initiated the contract with my wet ink signature to validate its accuracy. I assert that the aforementioned fraudulent items under account numbers XXXX and XXXX student loan accounts be removed from each of my consumer reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FTCP laws. This CFPB complaint has been filed to request to FCRA ss. 605 ( b ) or 15 U.S.C. ss.1681 ( c ) ( 2 ) that you, the TransUnion credit report agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. Also I have filed a FTC identity theft criminal complaint number XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from TransUnion in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to TransUnion and they have failed to respond. TransUnion has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Debt collection

I had checked on my Transunion report and had noticed that I had a credit collection service on my credit report when I call Transunion and to ask them to remove that they refuse to remove this from my account and I have called them multiple times about this account.
Product: Checking or savings account

I have been a customer at Bank of America for years. Checking, Savings, Credit Card, and even a mortgage at one point. For years the bill pay operated in the very predictable way of debiting my payments on the date set by me ( due date ) and these payments were all made through ACH. Without any notice, BAC started sending some payments ( randomly ) by paper checks causing confusion and delays in payments ( 2 or 3 weeks ). I believe this is designed to create fee income such as NSF. I have contacted BAC multiple times and have rudely been told that " the system chooses how to send the payments in the easiest way ''. Really?! So the " system '' thinks it's easiest to send my XXXX payment by paper check and the USPS, but it then sends my XXXX XXXX and other credit card payments by ACH, as it did for years before. The " system '' also now sends my XXXX, XXXX, Utilities, and XXXX XXXX payments by paper check instead of ACH. These are large financial and service entities and the " system '' thinks it's easier to send a paper check? 

I was told to delete the accounts from bill pay and then set them up again. I did that and nothing changed. I've never changed any payment addresses or account numbers. BAC did this arbitrarily and without notice or explanation. I was also told that I needed to verify with the payees that the address was correct in order to send through ACH. I did that also and when presented that information to BAC, it was confirmed the information entered for these payees was correct. At that point, I was told they couldn't explain why some payees were being sent paper checks and that " the system '' can not be changed. Really? Because it was changed after YEARS of going through ACH to paper checks. 

BAC actually has on the bill pay site that addresses are automatically updated by payees. Great. So why did you go from ACH to paper checks without any changes being made by myself or the payee? 

Clearly, BAC is using this confusing and intentionally burdensome process to increase the possibility of a customer slipping up and causing a NSF. It's a ploy for fee income. Otherwise, why can't they offer a reasonable explanation of why this was changed for some payees and not others, and why they gave no notification of this change until it caused NSF and I had to jump through hoops to find out what happened and why. Even then I was treated with indignance and complete disregard.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX