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

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Product: Checking or savings account

In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. 

My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. 

I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. 

Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. 

The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. 

Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. 

On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. 

Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! 

The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... 

HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 Wells Fargo employees opened a XXXX account without my consent or any Security verification steps to verify that I was joining this program. XXXX. employees registered 1 fake account user XX/XX/XXXX at XXXX and at XXXX issued a {$1000.00} transfer of my cash funds to this bogus name. I was contacted immediately by XXXX. security and asked if I intitiated this action. I reported this as fraud immediately, and asked for account to be closed/locked. They continued to register 3 more bogus names XX/XX/XXXX and pre-approved them also. I begged for them to stop ALL TRANSACTIONS ASAP and withdrew the rest of my available cash still left to continue with my medical treatment copays. I couldn't go to my appointment. Too short of cash. W.f employees remain Unhelpful/Condescending and refuse to investigate and assist me. IT'S been over 30 days on a 10 day investigation. They state they can open clients new accounts without their knowledge. Refusing to put in place any Standard Security Measures taken by XXXX XXXX  ... NO texted 6 digit security code to alert a Client of a NEW ACCOUNT with immediate approved withdrawal.. NO EMAIL CONFIRMATION of 16 pictures ( I am not a Robot ) NOR do they attempt to have a client answer SECURITY QUESTIONS to confirm identity of the REAL OWNER of the checking account. The XXXX XXXX Employees remain defiant. Rude. Unhelpful. Laughing at my problem. Please HELP other innocent victims of XXXX XXXX  OPENING accounts and stealing moneys. At least ( 2 ) of their own customer service employees state.. IT HAD TO BE AN INSIDE JOB FROM A XXXX EMPLOYEE. I NEED ABOUT {$3100.00} IN EXTRA RESTITUTION AS I HAVE HAD MANY COMPLICATIONS MISSING the XX/XX/XXXX XXXX appointment.
Product: Credit reporting or other personal consumer reports

The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other Citizens credit who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal Citizenship rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. When someone commits a murder. We can not kill that person for killing someone else. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Debt collection

I was contacted via cell phone. I was addressed by the wrong name. I was accused of owing for a XXXX XXXX account. I explained to them that I have never had XXXX XXXX. He kept disputing with me and I hung up the phone on him.
Product: Debt collection

I have never received any written notification about this debt. It should not be on my credit reports due to me not having a chance to validate the debt. Please remove the items from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from XXXX. Not only was it upsetting to see that XXXX was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted XXXX to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XXXX and XXXX of 2018 were paid towards late fee 's and not the payment due. XXXX has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in question along with a copy of the current credit reporting from XXXX.
Product: Checking or savings account

On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/2023 I was told by Capital Bank that my account was on hold for XXXX due to purchase of airline tickets. I have spoke to the merchant and the purchase has been approved however the bank has kept my money hostage and refuses to return it. I was told that the funds would be in my account no later than XX/XX/XXXX at XXXX. The time has now passed with no access to my own money, leaving me now over a week without access to funds.
Product: Mortgage

I reached out to NewRez LLC ( XXXX XXXX ) to inquire about borrowers assistance for covid 19 related changes. The company never responded with options available. They automatically enrolled me into a forbearance program and cancelled my bi weekly automatic payments. I corrected the payments independently by calling in and making sure the drafts were completed. During that initial contact in XXXX i requested that plan be removed and auto draft reinstated. I never agreed to or signed a forbearance agreement. I have since contacted the mortgage company 3 additional times and they still have not corrected the issue. 
I recently applied for credit and was denied. Underwriting cited that my mortgage was not reporting to the credit report since XXXX. I disclosed the issue to that company and credit was denied. I believe this could violate FCRA for inaccurate disclosure of information. 
I would like to pursue a complaint against the company for negligence in the handling of my account and not seeking my approval before entering me into any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I fully paid off my Rushmore Loan Management Services loan number XXXX a total payment of {$500000.00} plus, which was recorded as fully paid on or about XX/XX/ and as per the issuance of the Satisfaction of Mortgage document issued by Rushmore on or about XXXX XXXX
Product: Debt collection

A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my XXXX XXXX credit card. XXXX XXXX erroneously reported this balance owed to Equifax. XXXX XXXX also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX Bank. XXXX XXXX also failed to apply for payments from a secondary third credit card I had paid off to the XXXX XXXX credit card account in question ending in XXXX. XXXX XXXX instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. XX/XX/XXXX utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The XX/XX/XXXX statements were demanding that payments be forwarded on the XXXX day of each month while XX/XX/XXXX emails demanded payments to be made on the XXXX of each month, and XX/XX/XXXX failed to thoroughly and professionally investigate my complaints regarding this disparity.
Product: Vehicle loan or lease

Toyota financing is report inaccurate information, the vehicle was stolen and was cover by gap and vehicle was a lease and was pay in full. it was never supposed to be reported as a charge off. please update and removed off my credit report
Product: Checking or savings account

Opened account in XXXX. Tax return deposited in account XX/XX/XXXX. Called bank to inform them I would be making a withdrawal of a large amount and wanted to make sure it would clear. They gave me the go ahead. Attempted transaction and account was frozen. Account has remained frozen continuously since XX/XX/XXXX. Called numerous times to resolve. Completed identity verification using ID and biometrics upon request from the bank. Account freeze still wasnt lifted and no contact from bank at all. Called back again and they are requesting identity verification again despite already doing it. They said they are suspicious of the phone number on my account because it wasnt mine. I explained that I had a XXXX and my friend helps me with things that I have trouble doing myself since the XXXX. At the time the account was opened my friend used her number because I didnt have a phone because I had been in the hospital for so long recovering from the XXXX. Bank refuses to remove freeze after being repeatedly asked to do so. 

The only notice they have sent me in written form was the initial notice that it had been frozen. Aside from that, they havent initiated any contact with me. Ive completed identity verification for them and they asked me to complete it again but I was never sent the link to use for the verification. I called them back after it had been XXXX days since they said I would get it in an email but it never arrived. When I requested to have the link sent to me again due to not receiving the email as expected, the representative replied by saying that my account would be closed for violating the membership disclosures. I asked how I would receive the funds held in the account. The representative said that I was no longer entitled to the funds in my account. I was very upset at this point and I clearly stated that the bank needed to release the hold against my money and return the money to me and tried to ask for more information about why they could just take all of my money but I couldnt finish asking the representative because she hung up on me instead of providing any kind of assistance. The balance held in the account is {$3500.00} as of today XX/XX/2024. The freeze began on XX/XX/2024 and has been withholding my money from me the entire time without reason or explanation of what I can do to get my money back from this bank.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax regarding their repeated violations of the Fair Credit Reporting Act ( FCRA ) and the mishandling of disputes related to inaccurate and fraudulent accounts on my credit report. Over the past several months, I have disputed numerous accounts that were fraudulent or inaccurate. Equifax removed these accounts only to reinsert them without proper notification or valid reason. 

The following issues persist : Failure to Provide Reinsertion Notices : Despite accounts being previously deleted, Equifax readded them without informing me, violating Section 611 ( a ) ( 5 ) ( B ) of the FCRA.

Duplicate Reporting : At times, Equifax has duplicated fraudulent entries, making it appear as though I have multiple negative accounts, which is not accurate. 

Inaccurate Information : Fraudulent accounts have been reported under my name despite having filed formal disputes with supporting documentation. 

These actions have severely impacted my credit score, ability to qualify for federal student loans, and financial stability. Equifax has failed to conduct proper investigations as required under the FCRA. 

I am seeking immediate intervention to ensure these errors are permanently corrected, and Equifax is held accountable for violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX-XX/XX/XXXX, Chase Bank told IRS how much money I have and how much I deposit/withrow even tax free bond. 
The law say Chase can show IRS only 1099 INT that show how much interest they paid me, so because what Chase did, the IRS behind me now and what me to pay them {$47.00}, because Chase confuse the IRS. 
I called Chase and they said will send me 1099 form and I will get it in one week, now this is about a month but never got it. 
I call ed Chase back many times but they hung up on me. I need 1099 form y
ear XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.