23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a PNC account on XXXX/XXXX/2020. Part of my account opening included a promotional bonus of {$300.00}. I met the requirements to earn a bonus and was paid the bonus of {$300.00} on XX/XX/XXXX. Part of the promotional fine print states " The value of the reward may be reported on Internal Revenue Service ( IRS ) Form 1099, and may be considered taxable income to you. '' I have not received a 1099-INT as of today ( XX/XX/XXXX ). PNC 's automated messaging when calling their customer service phone number ( XXXX ) states that 1099-INT forms were sent by XX/XX/XXXX and to allow 10 business days to receive that form. Today is 11 business days, so we are now 1 business day beyond PNC 's own timeline. I called customer service on Friday XX/XX/XXXX and the person who I spoke with was not helpful and gave me a number to call to a department that said they couldn't help me ( XXXX ). 

I called again today to their customer service phone number and the customer service agent, XXXX, told me that the system only shows that I received {$.00} of interest in 2020. She also confirmed that I received a bonus in the amount of {$300.00} on XX/XX/XXXX. PNC 's system should recognize that as interest. I requested a duplicate 1099-INT which is supposed to arrive in 15 business days or less. I'm submitting this complaint because I do not want to wait 15 business days as I should have received the 1099-INT. I also am concerned that PNC Bank is not recognizing the total interest that I was paid in 2020 and never sent me a 1099-INT. PNC needs to send me a 1099-INT if they have not. If their system is wrong, then they need to fix that and send me a 1099-INT as soon as possible.
Product: Credit reporting or other personal consumer reports

Innovis updated all of my information and changed my phone number and refused to updated back to the number given.
Product: Credit reporting or other personal consumer reports

Open an experian account because of all SSN leaks. One month later they let someone take control of the account and change the email and phone number on the account and let them open a debit online account through them ( was told by experian over the phone of this info ). They said they couldnt help and would escalate the situation to help. They have told me this 6 times so far over 5 months. The account is still active Ive and I have no control over my own credit. They havent not called back after I have given them all information to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.
Product: Credit card

I received an invitation to apply for a business American Express card. I applied online I use my XXXX number, before I use my XXXX number I read all of this disclosures and nothing in there say anything about pulling my personal credit for an American Express business card once I submitted the application, I received a alert from XXXX saying I have a hard inquiry from American Express. This was on XX/XX/2023. I immediately call XXXX and explain to them that I never gave my Social Security number out. I only use a XXXX number. They explain to me that I have to reach out to American Express to get a deletion letter. I called them and told them to withdraw my application and I need a deletion letter. They told me that they can not do that because I gave them my XXXX number that told them to run my personal credit, I told them no it does not because I never gave you my Social Security number. They also stated that in the print disclosure it's in there I went over the print with a representative. And I did not see nor read anything about using my personal Social Security number for this card. I canceled the application because I felt that they misled me by me using my XXXX number, and that was a trick to my personal credit. So now I have a hard inquiry that I feel is fraud I don't want any problems with American Express. All I want is them to delete it off of my credit report that's all and that's why I explained to them that I wanted a deletion letter but they said no so XXXX gave me this information and told me to contest it through you all, so please help me because this is wrong. I have a business credit card that I use my XXXX number and they never ran my personal credit so for them to tell me that is what happens when you feel out for a business. Credit Card is not true. please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter of unauthorized inquiries to equifax. They received the dispute on XXXX and sent me a response to my dispute on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

I purchased roofing material on my chase credit card and the material was delivered damaged. I filled a dispute with the chase and they sided with the merchant. When reviewing the explanation the merchant lied about the events of what happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the debt reported on my credit file under Account Number XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I was served by XXXX XXXX sheriff a notice to appear in court at the end of XX/XX/XXXX. Court date was XX/XX/XXXX. I appeared to court that day and talked to XXXX women representing A debt collector. We agreed on a {$50.00} a month payment plan for 4 months. I paid {$50.00} on XX/XX/XXXX which I have a copy of the payment receipt { # XXXX ) from that transaction, and an additional form stating the agreement for 4 months on it. I work for the XXXX and I get paid once a month. On my XX/XX/XXXX paycheck there was a garnishment of {$460.00} from the debt collector I just made an agreement with, less than 2 months ago. I was not informed, or sued by the debtor, or given the chance to request a hearing but they took my money anyway without me knowing about it until I received my paycheck. This has completely devastated me and left me the inability to feed myself until my next monthly paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

XXXX XXXX XXXX
Product: Debt collection

Good day, I have never received a letter, email, phone call from my bank. I received letters from a person located at po box XXXX, XXXX XXXX  XXXX. I have been receiving a letter from this person for about a year, and I have notice my bank account information such as the date has been change on my account. 
I received a letter from this person last week, XX/XX/year>. There is no date on the letter. The name on letter is Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX with an internet address www.sunrisecreditservices.com. Also a phone number XXXX. 
I have been making payments on my account with my bank. Once again I have notice received any letter to send payment to a debt collector. 
This person knows when I have made a payment. 
I consider my account, my privacy has been compromised. 
I am not gon na pay this person a dime. I dont know who this person is. 
Also this person is demanding i send money via XXXX XXXX, call XXXX and identify yourself as a XXXX Collect Customer. Include the following information on the Quick Collect form, Payable to : Sunrise Credit Services, Code/Destination : Sunrise, NY, Reference number : Your account number. I can also use a a free automatic phone payment system at XXXX XXXX hours a day, 7 days a week and pay with your check or debit card. 

Please I kindly appreciate your help in stopping this person from harassing me. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Student loan

The company navient has lost my trust and hope to ever pay back my loans. I never can get the right amount I owe. The numbers change constantly on paper and over the phone. I Have been coerced I to getting money taken out of my paycheck but not actually telling me or exactly telling me that wouldnt happen even though they new thats what they where trying to get me to do almost ever time I call. I feel like the o my way to deal with them is by hdwritten letters thats how bad it is. They say if I pay XXXX dollars or XXXX they will forgive XXXX of dollars worth of loans. Nobody has yet given me a number in years and nobody knows? Something is quite not right here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is Inaccurately reporting my Loan balance to the credit Bureaus such as Equifax ; my loan balance on the vehicle is not the same as reported on my credit. 
As reported on my credit The Balance of the auto loan says {$19000.00} but in regards to the XXXX XXXX app my balance owed is {$19000.00}, In fact this report is Absolutely Inaccurate information ; so in regards to the fair credit reporting act they are violating my rights under 15 U.S. Code 1681i therefore I Request for its removal from my credit report, If so happens it does not get removed i request in writing where exactly my Bi-weekly payments of {$270.00} are going due to only a certain amount is going towards the vehicle itself What is the exact price of interest that Im paying on the loan. 
I am requesting the exact breakdown on what does the {$270.00} that I pay Bi-weekly goes too since the beginning of the contract. 
Since the beginning of the loan. 
who is the third-party lender that is applying interest to my loan payment and why thats not being reported to the credit bureau as well. 
report of where the interest payments are going & and a total interest charge other than the vehicle loan itself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being sent in response to notices sent to me from " XXXX XXXX XXXX  " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX  They ran my credit for XXXX Auto Financing, XXXX XXXX ( twice ), Westlake Service Inc, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XXXX  Balance : {$3100.00}
Product: Credit card or prepaid card

I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX. 

In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX. 

Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error. 

I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal. 

On XX/XX/XXXX, I made the payment in full. 

Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it. 

On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee. 

Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen. 

Attached are three documents : XXXX shows the original bill. 
XXXX shows my payments, returned payment fee, and interest charge. 
XXXX shows the reversal of the interest charge and that I paid the returned payment fee.
Product: Credit reporting or other personal consumer reports

I have a clothing business name XXXX I have been getting several XXXX emails like I got approved for a XXXX or I got approved for a credit card for my business but I never apply for that. My credit score. Also been going up now suddenly it went down. I also filed the FBI report on IC3 recently. I got a car loan in my mail box like somebody apply for a car or got a car loan. It also showed up on my Experian account and now all of a sudden, my Trans Union in Equifax account is frozen locked
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.