23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the above. 
Exquifax and XXXX continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which claims its about " fairness ''. Theres nothing FAIR about it.
Product: Student loan

The FTC filed a lawsuit against XXXX XXXX XXXX stating XXXX made fraudulent claims older folks like myself could make money on the stock market using their training program. I took a {$25000.00} loan out to pay for my training with XXXX through a second party XXXX  works with and recommended to me called Universal account Servicing LLC. I made a downpayment to UAS of {$1900.00} on XX/XX/XXXX. 
The loan # is XXXX My monthly loan payment to UAS is {$1200.00} due on the XXXX of each month which commenced on XX/XX/XXXX. 
I paid for XXXX, and XXXX but discontinued payments effective XX/XX/XXXX due to not getting training and services I was promised. 

I called UAS 3 times to inform them of my decision. I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of my intentions to stop paying for a service I was no longer able to use due to FTC lawsuit. 
I left messages with UAS on XX/XX/XXXX and XXXX but did talk to a customer service rep named XXXX on XX/XX/XXXX to inform her I was not going to continue to pay for a service I was no longer able to access. My case # is XXXX. 

I am still being billed by UAS and threatened with late payments per letter received via mail XX/XX/XXXX. 

The FTC directed XXXX to stop receiving payments from students for training they are no longer able to receive while FTC lawsuit is pending. Perhaps due to my loan with their recommended agency UAS this cease and desist order does not apply? If not it should because I was promised a LIFETIME of free training and only got 1.5 months. 
Their trading platform, XXXX  is still in XXXX mode so worthless and their XXXX XXXX is closed for business so I am not able to take classes there. 

I should not be expected to pay for a lifetime of services that was only offered for 6 weeks and is no longer available to me. I should not have to be stressed out that they keep billing me with threat to my credit rating and late charges accumulating. This is grossly unfair to charge to a product or service that they are not providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from XXXX, XXXX, and Experian and noticed three collection accounts reported by XXXX XXXX XXXX that I believe are inaccurate. 

Account 1 : Balance of {$560.00}. 
Account 2 : Balance of {$450.00}. 
Account 3 : Balance of {$1500.00}. 
Here are the issues : The balances listed do not match any of the credit card limits from my original creditors.

One of the accounts may belong to someone else with a similar name, as I do not recognize it and believe it may have been incorrectly assigned to my credit file. 
My XXXX XXXX  card was paid in full prior to being closed, yet it is being reported as charged off, which is inaccurate. 
I am requesting that XXXX XXXX XXXX and the credit bureaus verify the accuracy of these accounts by : Confirming the Social Security number and other identifying information to ensure the accounts actually belong to me. 
Providing a full ledger of charges and payments for these accounts to verify their validity. 
If the accounts can not be fully validated with accurate documentation, I respectfully request their immediate removal from my credit reports.
Product: Credit card

I got the Apple card statement from my work office that I haven't applied. The Goldman Sachs called me to ask about the payment so I recognized that the card was fraud. They used strange email that hasn't belonged to me, and the work office address instead of my home address. I also tried to report the police. But my location police in XXXX XXXX, XX/XX/XXXXdoesn't take personal fraud report. I did report the fraud to Goldman Sachs XXXX department and they are investigation is processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on Equifax XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated once on Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C  1692 XXXX  XXXX  XXXX  # XXXX ( XXXX ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit card

I was charged {$850.00} for a car rental. The agreed upon amount was {$570.00}. I received no information from XXXXXXXX XXXX XXXX as to why they had charged me almost {$300.00} more. I filled up the gas and returned the car appropriately. Thankfully I could go to my credit card company and dispute the charge! OH -wait - I used my Best Egg card. 

I have filed a dispute 2 times. XX/XX/XXXX was the second time. In a letter they claim to have reached out to me on multiple occasions afterwards requesting more information. There were no calls or voicemails and no letters or emails sent. The one letter I did receive stated that the case had been closed because I did not respond. I called again and had the case reopened. I did receive a phone call on another case and also a letter. I faxed over the requested documentation for both cases on XXXX XXXX I received a letter from Best Egg stating that my case has been closed again. I do not know what to do about this company ignoring my repeated requests. I sent an email requesting to speak with a manager and that has been equally ignored.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am the CEO of XXXX. I appealed to Citibank about a fraud ( claim # XXXX ) for {$70000.00} made on XX/XX/year> for account XXXX. For context, we send XXXX XXXX payments of {$35000.00} each to a landlord AND XXXX XXXX, XXXX every month. On XX/XX/year> we received an email from an associate ( XXXX XXXX ) of this company to update the account number and routing number on file. 

We updated the account number and routing number as asked and sent the XXXX transactions of {$35000.00} each as an ACH for rent XX/XX/year> ( they would receive it XX/XX/year> ). We sent them an email confirming the payment. We did receive an email that they received the payment and more emails requesting payments XXXX days outstanding. I have attached this interaction. As you will see the fraudster chose to continue a chain email that the associate had ongoing with me to begin the request for money. The email this request was coming from is a long-term employee of AND XXXX XXXX XXXX XXXX who emails us regarding invoices and payment information. 
We heard from AND Asset Management, XXXX on XX/XX/year> that someone had hacked XXXX of the associates email ( XXXX XXXX ) and was contacting their customers to commit this fraud. We contacted AND XXXX XXXX, XXXX over the phone to confirm the XXXX payments receipt from XX/XX/year> and the accounting department let us know the ACH for rent was not received. That was the day we contacted Citi Bank about the fraudulent activity and requested the investigation process to begin. Citi Bank declined the claim and stated the other bank, XXXX XXXX Bank, did not respond to them and that was the reason for the decline. We are appealing the decision.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and may involve the fraudulent use of my personal information, a violation of **18 USC 1028**, which addresses fraud related to identification documents, authentication features, and personal identity information.

The details of the unauthorized inquiries are as follows : I did not authorize these inquiries and have not applied for any credit or services from these companies. Given the serious nature of identity fraud under **18 USC 1028**, I request that you take immediate action to : 1. **Remove these unauthorized hard inquiries** from my credit report.

2. Conduct an investigation into the inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), and provide me with a written statement of the findings. 
XXXX. Provide any documentation or evidence that these inquiries were authorized by me, if such records exist. 
Enclosed are copies of my identification, a copy of the relevant pages of my credit report showing the inquiries, and any additional supporting documents.

Failure to act on this matter may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other legal avenues to protect my rights under federal law.

Thank you for your prompt attention to this serious issue. I look forward to receiving confirmation that these inquiries have been removed from my credit report. 



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Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY credit was ran twice without my permission.
Product: Money transfer, virtual currency, or money service

PayPal is holding onto my money, and they said 6 month Max. It's been since XXXX. They keep ignoring my questions about when to expect my money. 

I need an answer.
Product: Debt collection

Received a credit alert from XXXX and XXXX of a debt owed. This debt is not mines I never lived at TXXXX XXXX XXXX nor have I applied for any credit from them. I have all 3 credit reports locked! I have enrolled in XXXX XXXX which has my credit locked! How do these rental companies keep allowing thieves to use my ssi without proper identification is beyond me. I have been dealing with this crisis since 2021 and none of these agencies have done there job. I'm starting to think that they are behind my identity been stolen. The collection agency on behalf of XXXX XXXX XXXX is Columbia Debt Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove ( SEE ATTACHED ) Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove ( SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of several derogatory accounts on my consumer report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and the Privacy Protection Act, XXXX XXXX. XXXX. I demand the immediate investigation and correction of these errors. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} as of XX/XX/2024 Discrepancies : Repeated reporting of the same delinquency months and lack of documentation for the first delinquency date. 
XXXX XXXX ( Secured Loan ) Original Balance : {$1000.00} ; {$290.00} written off Discrepancies : Overlapping charge-off entries without explanation and missing last payment date information. 
XXXX XXXX XXXX XXXX XXXX  Credit Card ) Balance : {$1300.00} past due as of XX/XX/2024 Discrepancies : Repeated charge-off reporting over multiple months and missing documentation of the last payment. 
Violations Identified Failure to Ensure Accuracy Under the FCRA, XXXX XXXX. XXXX ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. The inaccuracies in payment history, delinquency dates, and balances fail to meet these requirements. 

XXXX of Privacy Reporting inaccurate information violates the Privacy Protection Act, XXXX XXXX. XXXX, by failing to safeguard and verify my nonpublic personal information. 

Rights of Survivors of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am protected under federal law, including XXXX XXXX. XXXX. This law invalidates obligations incurred under coercion or duress. Reporting these debts without acknowledgment of these circumstances further harms me and violates consumer protection principles. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  established that XXXX XXXX XXXX  are not obligated to repay debts tied to coercion or exploitation. 
Demands XXXX and Correction of Errors I demand an immediate reinvestigation under 15 U.S.C. 1681i ( a ) to correct the inaccuracies in these accounts. This includes : Removal of duplicative and inconsistent payment history.

Verification and documentation of the first delinquency date and last payment date.

Cease-and-Desist Reporting These accounts must be removed from my consumer report until they are validated in accordance with 15 U.S.C. 1681s-2.

Response Timeline I require acknowledgment of this dispute within five ( 5 ) days and resolution within 30 days, as mandated by the FCRA.

Notice of Limited Communication Under 15 U.S.C. 1692c ( c ), I demand a cease-and-desist of all communications regarding these accounts, including reporting to my consumer report. You may contact me solely through written correspondence or via the Consumer Financial Protection Bureau ( CFPB ) portal. 

Failure to comply with these demands will result in further action, including arbitration, complaints to the CFPB, or legal proceedings under the applicable laws.
Product: Credit reporting or other personal consumer reports

Error Code NH. I can not get my credit report or make an account. It is stopping me from being able to make major life purchases. Support is clueless and I spent hours on the phone trying to get a resolution only to be told I have to mail them a picture of my SSN, driver 's license, and other documents. This seems insanely insecure to me. Terrible headache and there is not reason for this other than their own mismanagement.
Product: Credit card or prepaid card

Subj : COVID-19 Financial Difficulty - Forbearance Request. 

On XX/XX/XXXX, I notified ( via USPS Certified Mail ), the lender, USAA, that I was experiencing a financial hardship due to COVID-19 and would not be able to make payments on my USAA Credit Card. I requested a forbearance for a period of 6 months. At the time of my request, my USAA Credit Card was current. In my letter, I agreed that the account would be restricted from further charges while in forbearance. I have emailed ( thru the member portal ) and called the number listed on their website ( XXXX ) for members to call if they were experiences financial hardships. Now USAA is threatening to report delinquencies to the credit bureau and has not responded to my forbearance requests. It is shameful how poorly USAA treats Veterans who they direct their marketing as supporting. I have been a member of USAA since the events of XX/XX/XXXX and have excellent credit. Thank you for assisting in this matter.
Product: Debt collection

I just noticed that somebody has been stolen my identity. I want all these items removed my credit report immediately. I attached my FTC REPORT # XXXX According to FCRA Law, this agency was to remove and block the fraudulent accounts within 4 days of receiving my dispute letter, but over 45 days has passed and they still have not removed these items. that is a violation of my consumer rights. this company needs to remedy this violation with proper consideration that does not break the law. Also I feel like my privacy has been infringed upon by this agency sharing my bankruptcy details, this is a very private matter to me. Bankruptcy is nt a public record under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report.
Product: Credit reporting or other personal consumer reports

My credit files have information thats incorrect thats not my name dob ssn address employers To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of inaccurate and incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Upon reviewing my credit report, I have identified the following incorrect information : Social Security Number ( SSN ) Errors Incorrect or mismatched SSN entries.

Address Errors Outdated, incorrect, or unrecognized addresses.

Phone Number Errors Incorrect or unauthorized phone numbers associated with my identity.

Employer Errors Incorrect or unauthorized employer information listed on my report.

Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. The continued reporting of false, inaccurate, or unverifiable information violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Your duty to investigate disputes within 30 days.

15 U.S.C. 1681e ( b ) Your duty to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681b Your duty to report only permissible and authorized information.

I demand an immediate investigation into these inaccuracies and request that all incorrect information be permanently removed from my credit report. In compliance with the FCRA, please provide written confirmation of the corrections or deletions within 30 days of receipt of Failure to correct these errors promptly may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this issue. 

XXXX XXXX XXXX XXXX
Product: Credit card

The past week I have received over a dozen envelopes from this company addressed to people that do not live at my address and have never lived at my address. I dont know how they got my address, but for them to use it in this way for people who do not live here, is fraud!

Ive attached a photo of the four envelopes that came today. But there have been more. Weve received mail from them every day for the past week!
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.