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

I am writing to formally dispute the accuracy of information within my consumer report, as provided by your agency. Upon careful examination, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent, potentially violating the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure of such information to a non-affiliated third party raises concerns regarding my privacy rights, as I was not provided the opportunity to opt-out, as mandated by law. 

After thorough review of the report, I observed that specific accounts are being reported without my written consent. It is important to clarify that my dispute lies not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I refer to XXXX XXXX XXXX - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Currently, I have not provided such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have lodged a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I am concerned that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially amounting to identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX Inquiry date : XX/XX/ I assert my right to a fair and accurate credit reporting process, underscoring that the expeditious removal of these accounts is vital to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records demonstrating proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 
I anticipate your timely attention to this matter and the resolution of my dispute within the specified timeframe of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

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

I have disputed the information with Equifax and they continue to report information that was disputed in XX/XX/2019. This is not my account and I've completed an identity theft report. I was part of the breach through Equifax and informed them in the past that this is not my account.
Product: Money transfer, virtual currency, or money service

Was defrauded cost of a XXXX XXXX and PayPal. XXXX refuses to acknowledge they did not verify the fraudulent seller and reused to even allow a complaint to be entered. PayPal is not issuing a temporary credit even thought they charged me and a filed a dispute on the transaction
Product: Credit reporting or other personal consumer reports

Our home was lost to a flood XXXX XXXX, we were in disaster foreberance, and according to cares act could not be taken out, our Mortgage account was to have a reporting freeze. However on XXXX and XXXX of 2024 they reported delinquent. We submitted for a reversal. With the documents we had stating do not report. They agreed to the reversal on XX/XX/year>, to date no agency had received the letter that they said they sent, we have filed one credit dispute to repair experience and now are working another with XXXX, XXXX states they never received the letter from Penny Mac. I called Penny Mac on XX/XX/XXXX to confirm they said sent on XX/XX/XXXX. I have lengthy emails and documents to substantiate my claim.
Product: Mortgage

I have been trying to bring my mortgage out of forclosure and my account current since XXXX of this year. Each time I am told that a reinstatement letter with the total amount due must be generated. 
I specifically asked that the letter be e-mailed to me upon completion to expidite the payment process. Instead, the letter, which has a ten-day expiration ( why not 30 days? ), is not e-mailed, but held, and then sent through regular mail. Each time the reinstatement letter has arrived in my mailbox already expired. 
I feel that this is being done to prevent customers from making payments, which in turn generates fees for attorneys and causes customers to lose their homes to forclosure. 

This has happened with reinstatement letters sent with the following dates : XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19 XX/XX/19, expiration date XX/XX/19. 
I don't this is a coincidence.
Product: Debt collection

Inaccurate false items stopping me from employment please remove update COLLECTIONS Profit Services Grou Opened XX/XX/2019 - {$770.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$770.00} Highest Balance {$770.00} Opened XX/XX/2019 ( 1 yr, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Todays date XX/XX/XXXX- Went to use Bank of America XXXX XXXX at XXXX XXXX  XX/XX/XXXX - declined multiple times - called BOA they had no info just card blocked. Contacted them asap from home- went over all charges, rep decided to send me a new card. Said all was fine. In the night I checked my mobile banking and see two transactions - XXXX ACH PAYMENT RETURN {$450.00} and ACH PAYMENT RETURN {$900.00}. Since then I have been trying to get this resolved on my own with BOA. Not a single person has either understood this, tried to help or rectified the situation. New card comes XXXX. I did not authorized these transactions I do not know what they are. I know I currently owe around {$1200.00} on this XXXX card and not it is reflecting that is owe over {$2600.00}. These transactions are not able to be disputed by myself on the computer. It must be done by the bank or so they say. I have spent countless hours ( 7 yesterday ) on the phone trying to get it sorted. Ive been the victim of fraud, BOA never contacted me at all - not once to question these odd transactions. I have determined that I paid {$500.00} on XX/XX/XXXX & {$1000.00} XXXX from my BOA checking account on this card XXXX. These PAYMENT RETURNS are close in amounts and were made XXXX.. Anyway after yesterdays 7 house here are two ref # I was finally given - I have NO IDEA if they mean anything. Every time I think Ive made progress I wind up back at square one. XXXX & XXXX with this phone number XXXX claim filed XX/XX/XXXX so she said. This morning Im going to find a BOA branch that is OPEN somewhere near here and go in person. Im sure thats going to be fun. I did not authorized any of these transactions, I have no idea how something like this could happen. Its saying I owe {$1300.00} more than I do. BOA has done ZERO to help me. I am totally at my wits end and am filing this in hopes someone somewhere can do something. My name is XXXX XXXX XXXX XX/XX/XXXX ss XXXX address XXXX XXXX XXXX XXXX XXXX NJ XXXX - phone XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX I received a promotional flyer from USAA offering a {$200.00} bonus for opening a checking account and then completing a {$300.00} direct deposit. Prior to opening the account I spoke with a USAA banking representative by the name of XXXX. I was assured by the USAA representative that an ACH transfer of {$300.00} would complete the requirements for the {$200.00} bonus. In mid XX/XX/XXXX I called and spoke with a conflict resolution XXXX that indicated that they would review the XXXX call. Later that week I received a call from an individual that said they were from the XXXX 's office. The individual assured me that I had met the requirements and that all that remained was for me to wait till the funds had been on deposit for 60 days. That 60 day window ended on XX/XX/XXXX. On XX/XX/XXXX I called USAA and spoke with XXXX. She assured me that the {$200.00} would be deposited within 3 days. On XX/XX/XXXX the monies had not been credited to the account and I called again. This time speaking with XXXX who once again said the issue would be researched and they would get back to me. On XX/XX/XXXX I received another call from the CEOs office letting me know that even though numerous employees had stated I had fulfilled the requirements for the bonus that they determined I had not and in spite of all the previous promises I would not receive the bonus. Instead they were embarking on an intensive education program for employees.
Product: Vehicle loan or lease

TD Auto does not send " your bill is due '' emails until after your payment is already late. Furthermore, their website shows " autopay '', but they do not provide a way to setup autopay for my loan. The only option I have is to make a one-time payment each time. And since it's late every month, there's also a late fee on top of my payment. 

This appears to be an overt racket to make money in late fees by ( A ) not notifying people who have loans of their payment due date and ( B ) not allowing people to sign up for autopay to prevent late payments in the first place.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>2024, I reviewed my credit report and saw that there were several inaccurate addresses and names and employers listed on my credit. My personal information is extremely important to me. It must be reported accurately at all times. I reached out to each bureau via phone. I was told that I had to write them so I did and they still have not removed all the old information and updated it with my correct information as requested in my letter. They are in full violation - willfully - of FCRA 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of the personal information that they are reporting on my credit is in fact accurate. It must be corrected immediately.
Product: Debt collection

I paid this bill with another collection agency at the beginning of the year. I have called thus company 3 times telling them I have paid this bill. They told me the first time I called which was soon after I paid it that it takes a while to get it off the credit report. The second time I called was a couple months ago and I was told it should be off soon and give it another 45 days. The third time I called which was today ( XXXX/XXXX/16 ) they said they do not know why it is still on there and they can not do anything about it and to contact the credit bureau.
Product: Mortgage

The issue has to do with Predatory Lending, Fraud and Elderly Exploitation. due to the length of the documents I will have to upload this in four sections. I will label them : Complaint 1 containing a letter outlining the issue along with some the supporting documents. Complaint 2 will contain additional documents. Complaint 3 and 4 will likewise contain the balance of the supporting documents. Please connect all four documents in order to get the total documents. This download will contain all four Complaints. Please bear in mind-these are not four separate complaonts but four parts of one complaint. The issue has to do with Chase Bank flipping the loan on my now XXXX brother- XXXX XXXX . You said you had already submitted this complaint once : XXXX. I do not know if what you submitted was the total document since I have tried to mail it to you with no luck, I have tried to up load it to you but your system would n't take it all at once, and I have sent you documents before. This one contains more information. Please use it.
Product: Money transfer, virtual currency, or money service

So yesterday, I was in contact with someone who pretended to be the famous rapper XXXX, which they were not. They were posting on the accounts XXXX story that he, XXXX, was doing features and to message him being PayPal ready. Of course me, a musician at heart and a huge fan of this artist, took up the chance and messaged him confirming that it was the self proclaimed rapper, which he then claimed to confirm was him. He asked me to send him {$1000.00} dollars via PayPal, which I ended up doing. Throughout that, as he said he was going to the studio to record later that night, he told me that he was not able to do the track anymore because he had certain spots open and they were now offering {$2000.00}. He said that he would refund me, and when an hour passed with no refund, he never answered me back and ended up deleting me off of XXXX. I am still {$1000.00} dollars out, and I have screenshots of the conversation, his PayPal account, his XXXX name and everything. He also forced me to make it sent to a friend/family instead of doing to for business so that was he could get the money now and use it for the studio. The name of the XXXX account is @ XXXX
Product: Debt collection

I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.
Product: Credit card

I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair.
Product: Credit card

Care credit advised me that they were lowering my XXXX available credit limit to the exact amount owed, two months prior to my XXXX interest promotion was ending. 

I asked them to increase it to the expected interest amount, and they refused despite my 100 % payment history with all of my creditors. 

This means that as of this month, all interest has become due, and they are now charging overage fees, and have reported to the credit beurous, damaging my credit. 

I have always been on time and feel that their tactics are predatory. I do not have the money to bring it down faster than my standard payment.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXX XXXX  XXXX Account number : XXXX 2.Identify theft : Acount XXXX XXXX XXXX Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the XXXX  method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks
Product: Credit reporting

Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the credit card debt associated with two accounts on my credit report. I have carefully reviewed the statements and records related to this account, and I believe there are inaccuracies that warrant further investigation.

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt associated with my account. Please provide documentation that proves the legitimacy of this debt, including the original agreement and any subsequent amendments.

Discrepancies in Reporting : I have observed inconsistencies in the reporting of this debt to the credit bureaus. I request that you review and correct any inaccurate information that may negatively impact my credit score.

I kindly request a thorough and prompt investigation into these matters. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect a response within 30 days of receiving this letter.

Please provide written documentation of the results of your investigation, and if any inaccuracies are identified, I request the immediate correction or removal of the disputed items from my account. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Against PNC Bank for Violating the Fair Credit Reporting Act ( FCRA ) - Refusal to Process Credit Application Unless Consumer Waived Right to Opt-Out of Data Sharing Date of Incident : XX/XX/year> Bank Name : PNC Bank Location : Online/ via phone To Whom It May Concern : I am filing this complaint against PNC Bank for actions that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning my right to opt-out of data sharing for account review purposes. 

Incident Details : On XX/XX/year>, I applied for a personal line of credit with PNC Bank. During the application process, I was presented with credit disclosures that included a request for my consent to share my payment history with Credit Reporting Agencies ( CRAs ) for account review purposes.

I informed the bank representative that I did not consent to having my payment history shared with CRAs. Despite exercising my right to opt-out under the FCRA, PNC Bank refused to proceed with my credit application unless I agreed to allow my payment history to be shared.

Applicable Law : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumers have the right to opt-out of having their credit information shared with third parties for account review purposes. Specifically : 15 U.S.C. 1681b ( a
) ( 3 ) ( F ) provides that consumer reporting agencies may furnish a consumer report to a person which " has a legitimate business need for the information ... in connection with a business transaction that is initiated by the consumer. '' 15 U.S.C. 1681b ( c ) ( 1 ) allows consumers to opt-out of having their information shared for certain prescreened offers of credit or insurance. 
Additionally, the FCRA prohibits creditors from making the extension of credit conditional on the waiver of the consumers right to opt-out. Conditioning the approval of my credit application on my consent to share my payment history constitutes a violation of my rights under the FCRA. 
Complaint : I believe that PNC Banks refusal to process my credit application unless I waived my right to opt-out of data sharing with CRAs for account review purposes is a violation of the FCRA. By making the extension of credit contingent on the waiver of my rights, PNC Bank has engaged in practices that are not only unfair but also illegal under federal law. 

Requested Resolution : I request that the Consumer Financial Protection Bureau : Investigate PNC Banks practices regarding conditioning credit applications on the waiver of FCRA opt-out rights. 
Ensure that PNC Bank ceases such practices immediately and takes corrective action to comply with the FCRA. 
Take appropriate enforcement action against PNC Bank for this violation. 
Inform me of any steps I need to take to ensure my rights are protected and that my credit application is processed fairly. 
I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Credit card or prepaid card

I am writing regarding a late payment on my credit report from XX/XX/XXXX for my Chase ~ XXXX account Acct #. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I was traveling out of town. During that time, I paid all my other bills on line. A copy of what was sent to me via e mail from Chase is included and highlighted in yellow. As you can see, the e mail header says nothing  about an attached bill, a bill thats upcoming, or a bill that is late, or any mention of a bill at all. Rather, it appears to be junk mail. I therefore, like you might, did not read it. I only discovered this due to my XXXX XXXX account notifying me I was late. I immediately paid the bill on XX/XX/XXXX for {$81.00}. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward and enrolled in auto pay ( see attached ). Prior to this mistake I have a perfect record of on-time payments. 
As a courtesy, I am requesting that Chase ~ XXXX make a goodwill adjustment and remove the late payment onXX/XX/XXXX from my record. This will help improve my credit worthiness and give me renewed confidence in being a Chase customer in good standing. 

Thank you for your consideration,