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

On XX/XX/21 I rented a scoter from XXXX XXXX XXXX in XXXX XXXX FL for {$110.00}. I returned the scoter the same day. The next day I saw a withdrawal on my debit card for {$2300.00} to XXXX XXXX scoter. I went back and questioned the charge the next day and the owner at XXXX XXXX threatened me so I left for my safety. I called PNC right away and they said not to worry it's obviously a scam and they would take care of it and credit my account for the {$2300.00} right away. PNC never credited my account and mainly just ignored my inquiries over the next month about when it was going to credit the {$2300.00} as promised. The only thing I ever got was a copy of a letter that they say they send me in XXXX that said " based on their investigation the charge was valid. After receiving a copy of that letter I finally spoke to someone at the branch who told me they would send me information about their investigation. Of course I never received anything. When I asked the person at the branch why they said not to worry we will refund the money to your account right away he said he made a mistake. {$2300.00} is allot of money and this is obviously a scam. The biggest disappointment is all along I have felt that PNC is just protecting their merchant and allowing this person to steal my money off my debit card. I don't see how PNC could allow a company to take {$2300.00} out of my account without my permission. PNC sXXXX XXXX  me and my money not the merchant. Please help me recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Fifth Third Bank received a letter disputing the account they were reporting on my credit report. ( Please see " Fifth Third Bank Letter 1.pdf '' and Screen Shoot For " Fifth Third - Delivery One.png and " Firth Third Bank - First Signed.pdf '' ) I know that Fifth Third Bank had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and Fifth Third Bank Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to Fifth Third Bank. ( please see " FIFTH THIRD BANK Letter 2.pdf '' and " FIFTH THIRD BANK - Delivery Two.png and " FIFTH THIRD BANK - Second Signed.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period. 

Additionally, I've added signed copies from Fifth Third Bank proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " Fifth Third Bank XX/XX/XXXX '' png
Product: Credit reporting or other personal consumer reports

Hello, in XXXX of 2023 there was fraud done on XXXX of my XXXX  XXXX cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my XXXX  XXXX credit cards. i called XXXX  XXXX and they never reached back out about the update on yhe investigation. They just closed all three of my XXXX  XXXX credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called XXXX  XXXX and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these XXXX XXXX off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both Transunion and XXXX reports on my XXXX  report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.
Product: Credit card

I did not obtain any goods or services from these accounts and they should be completely removed from report. These accounts are fraudulent and do not belong to me. My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax dated XX/XX/2023, saying that they received my request to see a copy of my credit report, but they could not provide it to me because they need information from me. I had sent this information twice previously, and am very concerned about what happened to it. This is highly confidential information. 

I sent them my information a third time and am still waiting to hear back from them. 

In order for me to obtain work and a credit card, I need to clear up the problem of my identity verification. Given that I have sought advice and received validating information from XXXX XXXX, Social Security, the IRS, a background check, and the CFPB, I do not know how to proceed without seeing my credit report.
Product: Checking or savings account

XXXX- A company named XXXX XXXXt opened this account on my behalf on XXXX XXXX XXXX\n- Due to theft by my former property managers and non-payment of rent by tenants, after the eviction of my last tenant I was so financially-broken that I was forced to sell my town-home. The funds from the sale were deposited in my Santander a/c on XXXX XXXX XXXX XXXX XXXX  I have requested either a transfer funds to another XXXX account or to have my account closed.  During all 148 x \'phone calls to their NON-Service Centre speaking with both so-called team leaders and foot soldiers, and also with branch manager XXXX XXXX XXXX XXXX Branch (I believe Santander\'s HO is located there), I have been met with nothing but the rudest, most-untrained, UNhelpful and couldn\'t-care-less staff who behave like divas and then who often slam the \'phone down on me.\n- I am consistently told to "visit a branch" and, when I advise that I\'m currently in XXXX have been financially wiped-out by what I have experienced in the USA, will not leave my XXXX XXXX XXXX little cat anyway and that I shouldn\'t have to come to the USA simply to close my account - given that they REFUSE to transfer funds via any means, they just repeat "You have to visit a branch".  \n- One female employee stated "It\'s a large amount" (it\'s US$85,260 approx) and Santander are paying me interest oXXXX XXXX XXXX and also refused to even increase the interest rate in the interim unless I "visit a branch".\n- After XXXX x months I was told something new, namely "If you send a notarized copy of a letter of request to close your account to our XXXX XXXXr, they MAY do this but I can\'t be sure" (omg !!).  Too much trouble for this XXXX to check but I\'d never been told this previously.  The next day I did exactly this - my Notary Public notarized my letter of request and attached the required seal and ribbons, plus wrote a covering letter from himself also advising he had viewed some of my recent Santander statements.  This package was sent to Santander\'s XXXX XXXX in a strong cover on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but Santander claim (via their Service Center) to have not received it until XXXX XXXX XXXX\n-  I have always been refused access to operate online banking (being in XXXX, I have been receiving paper mail statements every month, email addresses are off-limits to ANYONE at Santander and there is NO CONTACT AVAILABLE WHATSOEVER with the XXXX XXXX either.\n- Santander REFUSE give me my money.  They are CRIMINALS + THIEVES. All I am ever told is that "Your account is still open".  I have now also missed an opportunity in the XXXX due to Santander ILLEGALLY RETAINING MY MONEY.'
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this to report one fraudulent account and several unauthorized inquiries appearing on my consumer XXXX TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. The fraudulent account is a cellular telephone account opened at XXXX on XX/XX/XXXX under the account number XXXX. Additionally, fraudulent hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, as well as from XXXX  on XX/XX/XXXX, have appeared on my credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA. I request the removal of the following addresses, associated with fraudulent activity : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX, and XXXX XXXX, XXXXXXXX XXXX  XXXX the removal of all unauthorized inquiries, including XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, and XXXX  on XX/XX/XXXX, from my report These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

I attempted to use the Affirm card to make a purchase with XXXX  XXXX and the purchase would not go through because the card address or zip was invalid. I used the card at another vendor XXXX to make the purchase. The charge for the XXXX  XXXX is still on my account and they are refusing to remove it or verify anything with XXXX  XXXX. No purchase was made and this should be removed.
Product: Credit card

DEAR CBNA ; I was shocked when I reviewed my credit report and found late payment on XX/XX/2023. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file
Product: Prepaid card

My daughter opened an account with XXXX, so she could sell a handbag. She received a text stating she needed to buy a gift card from XXXX  or american express for XXXX to cover the cost of the item. I told her I didn't think that was a real text from XXXX But she refused to listen. So she got a Am Express card took a picture of it and sent it this person. And then she could not find where the item was sold on XXXX. So I looked up the card account, and there was a charge for XXXX from XXXX XXXX XXXX. So I called Am Express and they told me it was a scam as soon as I mentioned XXXX. I was denied a refund. I even appealed decision and was still denied refund.
Product: Credit reporting or other personal consumer reports

Credit Acceptance has reported a false late payment on my consumer report. Im in distress from this encounter as well. The late payment was reported in XXXX 2025 where I have proof and evidence that I made my payment and was current as well. I sent in a letter for them to investigate this matter and they sent back just a letter stating it was verified instead of giving proof of the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy
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 Equifax 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. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}.
Product: Debt collection

Years ago I opened an account with XXXX XXXX who installed a security alarm at my residence. 

I was offered a small referral fee to refer friends and family. I referred XXXX XXXX to install an alarm at my fathers residence. 

The XXXX agent fraudulently used my information and opened and unauthorized account at my fathers residence to install the alarm. I was not made aware of the unauthorize account with XXXX until it went to collections. 

The current Collections Agency is Zions Debt Holdings who is demanding {$450.00}. I've attempted to remove this from my credit report without success therefore I'm asking for your assistance.
Product: Credit reporting or other personal consumer reports

I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on the ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called National Enterprise Systems on XX/XX/year> about my auto loan debt that they are handling. We had came up with an agreement for me to pay an amount of {$1800.00} and in return get it marked as paid in full. I called other times to confirm the information and multiple agents said that the original agent that I spoke to on XX/XX/year> communicated it wrong and that the agreement was actually to pay that settled price and have it marked as settled. That being said, I canceled the agreement because I needed time to figure out my finances to see if I could afford the option to pay in full. That brings us to today, XX/XX/year> around XXXX PST I called to ask for the original transcripts or voice recording of the recorded line of the call that took place on XX/XX/year> for more clarity on the miscommunication and was denied access to those voice recordings. The agent told me that it wasn't possible or allowed then pursued to try to tell me I had to pay the agreement today when I had already communicated with him that I already spoke to his manager the day before ( XX/XX/year> ) about canceling that agreement since it wasn't what I agreed to and the manager was okay with it. 

My write this complaint because my rights to access my vice recording and/or transcripts were violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached screenshots of the call logs from the dates mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I am filling this complaint because they didn't follow the rules in the Fair Debt Collection Practices Act ( FDCPA ). I already asked them, in writing, to cease and desist contacting me about the debt linked to Account # XXXX. Even though I made this request, they've kept reaching out, which violates my rights under FDCPA. These continued contacts are really stressful for me and go against FDCPA section 805 ( c ). Which states debt collectors have to stop contacting you after a cease and desist request, except for limited reasons like notifying you of legal action.
Product: Credit reporting

I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveriflable Information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found lo 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have made about twenty claims with Wells Fargo and every time I made a claims I received an email apologizing for the inconvenience and the bank blamed the system error. I'm not sure what is going in on with XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX with the bad habit of allowing other merchants to debit it money from my account. What are the banks doing to protect consumer account. I have this claim number against Well Fargo. I did the math and it added to {$220.00} now they are saying that they already pay me. I need Wells Fargo to send me proof of the receipt. I need help from this agency Claim number XXXX