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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is consistently coordinating accounts lacking integrity encoding wreckless billing, violation Declaration Labor Act poor labor and wage, late payments, inadequacies of credit limit and high limits, written plagiarism by foreign account holders, violating Georgia Medicaid HIPPA Act by cyberterorism defamation of SS # and defamation of character jeopardizing National Security.

Last 4 digits if SS # XXXX. 
XXXX XXXX
Product: Debt collection

I just noticed my credit score dropped XXXX XXXX due to a debt collector Hunter Warfield saying I owe {$9900.00} I have never spoke heard received paperwork or anything from this company!
Product: Checking or savings account

On XX/XX/XXXX I opened an online banking account with PNC Bank. I established an External Transfer agreement with another financial institution. I received trial deposits, and activated my online External Transfer agreement between PNC Bank and my other account on XX/XX/XXXX. I received an email verifying the PNC XXXX Account being enabled with this other bank. On the XXXX a significant amount of funds were electronically removed from my joint money market account. For the next few days I went online to see when these funds would show up to fund my/our new savings account. I called PNC on XX/XX/XXXX, and was told I was on a recorded line. The PNC representative told me the transaction with this other bank, was not processed. When I told this rep the money was taken, but not credited, he told me to call back on Monday and speak with the " Exceptions Desk ''. I called PNC on Monday XX/XX/XXXX. I spent a long time on the phone, but never found out where, or why, our money was not in our PNC account? I called PNC again on the XXXX of XXXX. During this conversation with a different PNC rep I was informed that our account had an " External Transfer Suspension '' placed on it. I was given no explanation why. I asked how my wife and I could correct whatever the problem was? I was informed that my wife and I would need to present ourselves to a brick and mortar PNC Bank, and provide proof of identity. So on XX/XX/XXXX my wife and I drove over XXXX hours to a PNC in XXXX, MA. We met with a PNC rep named XXXX XXXX, whose title is a Solutions Consultant. Our drivers licenses and a second form of ID was recorded on a PNC computer operated by XXXX, as we sat in his office. XXXX assured us that whatever the problem was will be resolved by Monday. I called PNC on Monday XX/XX/XXXX and spoke with another XXXX At the end of the call I had no better sense why PNC was holding my families funds, and not applying them to my unfunded account. Along the way I would receive emails encouraging me to fund our new account. As of today my wife and I have no idea why PNC deprived us of a month 's worth of interest, at 4.5 %, and refused to apply our funds to our account. Please advise and assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX  payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every XXXX before the XXXX  late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each XXXX and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, Equifax and XXXX to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  client XXXX XXXX is a victim of ID theft ; his information was used to apply for credit cards without his consent. Disputes of that activity were sent to the creditors in an effort to remove those fraudulent related items from his report. Recently Experian credit bureau sent my client a letter stating they were not able to remove data from the credit report because they needed more information. Under FCRA guidelines that information was provided to them from the agency where the disputes was sent originally ( XXXX XXXX ) ; as they had the obligation to provide that data specific for the removal of the inquiry. In addition Experian already has the complete profile of our client because our client sent a request for an extended 7 year fraud alert on the Experian credit file. Currently Experian is violation of federal consumer law and is now jeopardizing my clients credit history by failing to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON XXXX AND ACCOUNT # XXXX EQUIFAX. 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.
Product: Checking or savings account

On XX/XX/XXXX, as the result of poor service and poor information from my personal accounts manager, I decided to rollover my IRAs ( traditional, XXXX, XXXX ) from the XXXX XXXX, XXXX XXXX, New York branch of Chase to another bank in XXXX XXXX  ( XXXX ). 

Three checks were given to me without guidance or information. When I brought the checks to XXXX XXXX  in XXXX XXXX, I was advised by the banker there that IRS rules permit only one rollover per year ( with a hefty penalty for any other rollovers executed that year ). 

At that point, because the three accounts at Chase had been cancelled, I only had one option : to roll over one of the accounts and to effect a trustee-to-trustee transfer for the remaining two retirement accounts, which Chase executed on XX/XX/XXXX. 

At that point, I was charged {$560.00}. ( penalties incurred because the two transferred accounts had been in long-term cds ). I had been encouraged years ago at Chase to place the accounts in long-term cds and was told that at my age ( I am now XXXX years old ), I would not be penalized if I removed the funds. I now understand that the rules about rollovers changed some years ago. 

Because of poor advice ( actually no advice ) at Chase, I found myself in the position of being charged {$560.00}. for the incompetence and, I, suspect, indifference at the hands of Chase employees. 

I have spoken and/ or written to various people at Chase : the bank manager in XXXX XXXX , New York ( letter sent XX/XX/XXXX ), a vice president in Retirement Services ( letter sent XX/XX/XXXX, and the Complaints Department ( letter sent sometime in XXXX ). The bank manager said she had sent my letter of complaint to her supervisor. 

Thus far, I have not received any answers from any of those I have contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!
Product: Debt collection

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and Experian informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Vehicle loan or lease

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I was gave a warranty on the vehicle, I only drove the car for a week before it started having electrical issues. The car dealership I got it from was drive time and I made several complaints to the lenders and dealership owner but he closed his carlot down as soon as I made the complaint. The onemain clients were very rude and so was the guy who sold me the car. Theyre violating my rights by calling and discussing my debt and my personal reasons with others. I also have valid proof of all this unprofessional behavior. I get calls from personal numbers outside of their workspace also discussing a payment when the car doesnt work and my warranty wasnt given to me as promised. I want this resolved and this car removed immediately. I had a XXXX mile warranty and never got the proper services they offered. It was false advertisement and the loan agency is just as rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance : XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : Experian, XXXX, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX : XXXX XXXX, GA XXXX Experian : XXXX  XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX Experian Experian Security Freeze XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Product: Student loan

Navient refuses to send me actual paperwork showing what was borrowed verse what was paid. The co-signor on the loan has paid majority of the loan. I offered to set up payment plan for anything I still owed and they refused. They demanded it to be paid in full. They sent me the first page of a promissory note which had amounts scratched out and different schools receiving money vs. requesting money. They are very rude and offered no help to resolve the debt other than demanding payment in full. I am in the process of finishing my degree, and I am a single mom and this account is keeping me from being able to get a home to purchase or rent.
Product: Bank account or service

Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX  I had solar panels installed by XXXX XXXX, now XXXX XXXX. They processed a loan through Sunlight Financial to cover the amount of my panels. For the XXXX months that I have had the panels they have not worked. I have recording from my electric company, XXXX XXXX, that they have not received any power from our panels. I was promised that I would have a very small, and sometimes, no electricity bill. Unfortunately, that has not turned out to be true so I have been paying a normal electricity bill on top of a {$300.00} payment to sunlight financial every month. Months and months of back and forth with pink energy with numerous no shows for appointments to fix the problems and no solution in sight, XXXX XXXX has now closed its doors and filed bankruptcy and I am left in debt without a working panel system and leaking holes in my roof that is coming through my ceiling. I would like Sunlight financial to remove the panels and release me from my contract. I really hope there is a way to resolve this issue so my family does not continue to suffer. Thank you so much for your time and I look forward to hearing back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an Equifax Data Breach. I demand to delete those accounts or I will file litigation.
Product: Student loan

On XX/XX/XXXX I contacted Nelnet to renew my income contingent repayment plan. The representative informed me of the Repaye repayment plan and placed my account into an administrative forbearance until XX/XX/XXXX to get the paperwork processed. On XX/XX/XXXX I reviewed my credit report which showed my account as 90 days past due. I called Nelnet on XX/XX/XXXX to discuss the status of my account which was thought to be in a " forbearance '' status pending re-certification. 

Upon speaking with several representatives on XX/XX/XXXX it was revealed that the representative whom I had spoken with on XX/XX/XXXX provided incorrect information. I was not eligible to switch repayment plans nor was I eligible for an administrative forbearance because I have parent plus loans included in my direct loan consolidation. 

The customer service rep stated they tried to contact me via telephone but there is no record of a phone call nor voicemail to substantiate this. My credit is ruined due to misinformation provided on behalf of a Nelnet customer service agent. I should have been offered a Hardship forbearance as I was offered on XX/XX/XXXX to bring the account current while I re-certify. 

In summary, Nelnet needs to remove the negative reporting from my credit report and do a better job training employees. I am totally disgusted by the companies lack of integrity and unwillingness to correct a severe mistake. I am will to sue this company to have my credit restored. This is a consumer nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and I ( XXXX XXXX ) came to an agreement to pay for deletion on account number XXXX. I held up my end of the agreement to pay {$1500.00} within 90 days from XX/XX/XXXX XXXX they have yet to inform the credit bureaus of our agreement. I have tried to contact the credit bureaus regarding this matter and have yet gotten a response. can you please help me resolve the issue By Removing this account according to the agreed upon terms.
Product: Credit card

I have maintained a Bank of America credit card since XXXX and they have always mailed me a statement of my account by US mail when I used the card. On XX/XX/XXXX, I charged the amount of {$17.00} on the card. On XX/XX/XXXX, I received a notice from my bank that my credit report reflected a late payment. After researching this " delinquent payment notification '', I discovered that there was an unpaid balance on my Bank of America credit card. This notification also dropped my credit score from XXXX to XXXX. I never receive a billing statement from Bank of America in the mail for this charge. When I called Bank of America about this unpaid balance they told me the statement was emailed to an old email account that I don't regularly check. Without my knowledge, or consent, they changed my account to " paperless billing ''. I have since paid 100 % of the balance ( including interest ). I also called them to have them retract the delinquent payment notification to the credit agencies and they have denied my requests.
Product: Checking or savings account

On XX/XX/2021, I deposited {$500.00} into my PayPal account, and a couple days later, PayPal blocked all transactions on my account, and told me they were closing my account because they suspect fraud. I asked a PayPal represent active if I could be given an opportunity to prove no fraud had been used with my account and they said no, the account is scheduled to be closed and a refund of available funds will be mailed to me in 180 days. 

PayPal refused to allow me to access my {$500.00} for 180 days and is closing my account without providing me details of why that decision was made, and refused to give me an opportunity to keep my account open. 

I was also charged {$10.00} which was an unauthorized transaction which I disputed and my dispute was not appropriate handled, leaving me with a balance of {$480.00}. 

PayPal has engaged in harmful, reckless, unfair, and discriminative behavior when handling my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official and urgent demand for immediate correction of the blatant inaccuracies in my consumer credit report, which I lawfully obtained under the Fair Credit Reporting Act ( FCRA ). Your continued incompetence and failure to abide by the explicit legal standards outlined in the FCRA is not only unacceptable but also a direct violation of my rights as a consumer. The FCRA mandates, in no uncertain terms, that all information within a consumer credit report must be 100 % accurate, verifiable, complete, and timely. I will not tolerate anything less than full adherence to these legal obligations99.9 % accuracy or verification is not acceptable. I expect immediate proof that the information you have reported is in full compliance with federal law. Anything short of absolute accuracy and legality will result in further escalation, without hesitation. Listed below are the specific tradelines that are erroneous and defamatory. I expect not just a review, but an immediate correction of these items. Your failure to do so is a reckless disregard of your legal responsibilities and will not be taken lightly. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.