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

The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Vehicle loan or lease

XX/XX/year> Credit Reporting Agency Name [ XXXX PenFed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Incorrect Information on My Credit Report I am writing to formally dispute incorrect information that appears on my credit report, which I believe is adversely affecting my XXXX XXXX. After reviewing my report, I noticed the following discrepancies : [ reported repossession status and account closure that was recorded inaccurately Account XXXX ( XXXX ) : [ XXXX ] This incorrect information has resulted in a significant reduction of my credit score and is negatively impacting my ability to secure credit, loans, or other financial services. I have attached supporting documentation to substantiate my dispute. Please rectify this error immediately to ensure the proper information that my account is up to date and current. 
Thank you for your prompt attention to this matter. I look forward to your response and to the correction of my credit report.
Product: Credit card

Wells Fargo is not applying my payment to my balances properly. Of my total balance only 1 purchase for approximately {$10.00} should be subject to interest. The rest of the balance is still in the promotional 0 % interest APR period for balance transfers. 

Last month I paid {$50.00}. The minimum payment was {$25.00}. That payment should have paid off the {$10.00} charge from XXXX but I was charged a XXXX XXXX  minimum interest fee. I called Wells Fargo and Customer Service told me that there was no way to apply my payment to different parts of the balance. 

Payments are supposed to be applied to the highest interest part of the balance first which in this case would be the {$10.00} charge from XXXX. I believe this is a violation of the Credit Card Act of 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give RENT RECOVERY the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

RENT RECOVERY is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give RENT RECOVERY permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with RENT RECOVERY.

USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from rent recovery stating that owe a debt to them. 
My complaint is also with three bureaus XXXX, XXXX and XXXX who are allowing RENT RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Student loan

I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.
Product: Mortgage

I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aproved for Barclay card few years ago and my new card was used by someone fraudulently so I had talked to Barclay and they closed my card and I had reapplied and got a new one. They had removed my original 90 days late payments from credit report so it didn't show up the first few years, But when I check my report now, it shows as 90 days late payment. 
I would like this 90 days late payment to be removed immediately from XXXX. 
This first Acct was opened on XX/XX/2015 Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX  # XXXX XXXX XXXX {$1700.00} XXXX XXXX  # XXXX {$2200.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX vs Transunion, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Product: Credit card

On XX/XX/year>, I called Verizon Wireless Credit card company, Synchrony, about why my credit limit was decreased. I shared with the representative my payment history of not missing any payments and paying my credit card balances off, ( sometimes over time, but always paying the entire balance ). He explained the algorithm system that credit bureaus use, which led to the decrease of my credit limit. He also informed me that because it is a system, that the system does not use any human variables. He suggested that I file a complaint and request for a human to look over my application and determine if I qualify for my credit limit to increase back to its original amount of {$12000.00}. 

I spoke with a personal associate before I called Synchrony who has the same credit card that I have and he suggested that I do what the representative had stated. My associate had told me that he experienced the exact same thing and was allowed to return to his original credit limit after a human representative looked over his account and application. 

I expressed to the Synchrony representative that I wanted to pursue this opportunity and I would like to request for a human to look over my account and application. A Credit Bureau Specialist by the name XXXX XXXX did not take the time to look at my application and denied me within the hour of my request. He chose not to consider me for the opportunity, but instead denied me because he saw on my application that I was a XXXX woman. My personal associate, who is a white male received a letter from XXXX XXXX reinstating his original credit limit and apologizing for lowering his credit limit and explained to him how the algorithm does not consider human factors. XXXX XXXX also expressed to my associate his deepest regrets for any problems that may have occurred concerning the matter. But XXXX XXXX denied me the exact same opportunity and he would not look at my application any further. 

My credit limit was decreased to {$9000.00} because the algorithm suggested that I would not be able to pay off my bill. I have paid off my Synchrony credit card. I was discriminated against by XXXX XXXX and Synchrony.
Product: Credit reporting

They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is in reference to CFBP- XXXX Its my right to receive a investigation within 30 days. This has been open since XX/XX/XXXX with no resolution. I would like them to remove the following as it is not verified and incorrect. 

1. 30 day late payment from XXXX  XXXX XXXX on XX/XX/XXXX 2. XXXX account XXXX for {$750.00}. 

This has caused me issues with moving out of my apartment and getting a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items. 
I expect all items to be deleted as the credit bureaus are non- compliant and now in violation.
Product: Credit card or prepaid card

I used my direct express debit card at a corner store at the ATM ... the ATM crashed at the end of my transaction and put an error message up ... the money never came out ... ..i told the owner of the store and he checked the machine and said the money was never dispensed ... I told him I KNOW ... but the money was already deducted from my account! He told me to call my bank ... .i then called the police and they advised me to call number on ATM ... ..i immediately did ... .they asked for my card number I gave it ... .they advised me the money was never dispensed ... .i knew that but couldn't understand why it was paid on my account ... i spent the next 3 days trying to get in touch with my bank which was impossible ... i finally got some one and they took my dispute ... .and told me I could get a provisional. Credit after paperwork was received. I thought problem solved ... then I tried to use my card for a simple purchase and it was declined ... i checked my account online and my card had a fraud suspension on it ... .at this time days later I have been unsuccessful contacting my bank ... .they won't answer ... i have been on hold for hours and hours and they won't answer they stole XXXX XXXX dollars from my social security money and they won't take my call ... .during this stressful time financially they took advantage of me ... .ive been ready about direct express on the XXXX website ... .and I'm shocked this fraud is perpetrated on hundreds of people!
Product: Mortgage

Recently Altisource XXXX XXXX XXXX has pasted another of these inspection sticker on the front door of a dwelling I have been squatting in for over a year and a half! first time they took all in the house and put it in the center of each room and destroyed the front door lock in addition! I need you to give them a cease and desist order as they are a scam! And as I am a squatter I can not give the exact location just it is XXXX XXXX. thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachment letter which ask you to validate bankruptcy record and supply proof of how it was verified. Please note that I have attached proof from the bankruptcy court which shows that they did not furnish this record nor did they verify it.
Product: Credit reporting or other personal consumer reports

I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past XXXX years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a XXXX XXXX XXXX XXXX XXXX XXXX  I am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Payday loan, title loan, or personal loan

For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

I had a checking account through Wells Fargo and they was always over charging my account and I had a lot of money stolen out my account I called customer service and they said there was nothing they could do so I closed my account because they stole my income tax money back in 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Called Target and spoke to representative for an hour on the phone disputing late payments reported on my account. He admitted their system had a glitch and he would reverse my late payments fees and he said he would update the correct info with all credit bureaus. He also updated my new address. He told me everything should be updated on my credit report by XX/XX/XXXX. The reference number for our call was # XXXX The inaccurate late payment dates were reported XX/XX/XXXX XX/XX/XXXX The late fee payments were credited back to my account but the late payment history still shows on my credit report. They refuse to remove inaccuracies on my account. 

Ive called Target XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they refuse to resolve the issue.
Product: Checking or savings account

On or about XX/XX/XXXX I went to check my account balance on my XXXX  moneynetwork pay card from and noticed that there were numerous charges ( 241 charges for {$2.00} ) that started on XX/XX/XXXX and subsequently reduced my account balance to one cent. There were also 12 charges for {$2.00} but they were refunded back to my card after reporting the charges to both XXXX XXXX and XXXX as fraudulent charges. The 241 charges for {$2.00} have not as yet been returned to my account balance and were taken from my bank account via the debit card XXXX, yet there is nothing listed in my XXXX XXXX   transaction history to suggest I made these purchases. Nor does anyone besides me have access to my account information. I reported the multiple {$2.00} charges to both my bank and XXXX XXXX, but one or both of them denied or concluded it was not necessary to return the funds to my bank account. The fraud division at XXXX indicated that there was " inconsistent conflicting information '' as the reason for denying my fraudulent charges claim and I have since filed an appeal against their denial and await the results of their investigation. I also resubmitted a fraudulent charges request to XXXX XXXX and am awaiting the results of the review. Note : Update regarding XXXX XXXX : They claim to have invested it and have found nothing to support my claim. I honestly fail to see how they can fail to find sufficient information to support my claim when each of the {$2.00} charges were indicated to have been taken via XXXX XXXX nonstop for 56 hours in 10-20 second intervals until there was only the aforementioned one cent left in my account. I additionally submitted a police report on or about XX/XX/XXXX when I discovered the fraudulent charges.