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

On or around XX/XX/2020 I called the PNC call center for assistance. Due to COVID-19 my flights from XXXX XXXX to XXXX were canceled. I contacted XXXX XXXX to apply for a refund since they cancelled the flights. They said they could but had to process the refund to my original form of payment. The debit card I used that is tied to my PNC Checking account wasnt active because I had closed it due to suspicious transactions. I contacted the PNC call center just to ask if they could put my old debit card on a status to  block debits but to allow credits just so I could get this refund. The person on the phone told me they couldnt but that they could dispute the transaction since I didnt receive the service from XXXX XXXX. Believing she knew the right thing, I followed her lead and she told me that I would be credited the money back shortly. Now, she did read a statement about provisional credit but made it seem like it was just something she had to read. I received a letter in the mail that said I had to sign it in order to process the credit that the PNC employee told me Id get. I signed it and sent it back. Within a few days, I received my credit. Yesterday I was stunned to see that my account was negative {$1400.00}. I couldnt figure out why until I put 2 and 2 together. I travel for work so I received no notification that this money was being reversed and had happily continued spending as such. I dont even know if the bank sent any notification as I wont be able to check my mail until the weekend. I contacted XXXX XXXX and now they are just flat out refusing to issue me a refund, my account is negative with PNC during a pandemic and on top of it, PNC is charging OD fees of {$36.00} each for transactions that had been approved and were pending before they reversed my credit. I am sure that Im the days to come I will receive even more OD fees which will put me even more in the hole and unable to pull myself out.
Product: Student loan

I took out a student loan in XXXX and had paid on the loan for several years, including when I was serving overseas for the XXXX XXXX. In XXXX, the XXXX won a lawsuit regarding Sallie Mae/Navient mishandling of loan repayment and I was issued a settlement check. I did not hear back from Navient. A few months ago, I had received calls saying my initial loan was not paid and instead was thousands of dollars more. I have reached out to the company asking for proof of financial debt and payments already sent to no avail. I need help.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I found a fraudulent account for {$58.00} from A creditor XXXX XXXX XXXX I called the company. The original creditor is XXXX cable I am a current customer of XXXX with a XXXX balance. I have no idea why they continuously. Keep putting the same fraudulent account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the cfpb complaint number XXXX Transunion responded that they removed both of the duplicate XXXX  account however 1 is still remaining on my credit profile XXXX XXXXXXXX I demand that this account is removed immediately. Attached is the cfpb complaint where transunion responded and stated they were deleting it
Product: Debt collection

Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.
Product: Debt collection

I have disputed this account several times since XX/XX/XXXX. When i dispute over the phone with XXXX, a representative will inform me that they don't have to provide how this debt that was verified. I have a right to know whats in my file and how it is used. They keep informing to keep trying to contact the collection agency. I informed the representative that i did. When i contacted Sunrise Credit Services i spoke with a Rep. by the name of XXXX on XX/XX/XXXX.. This company had my name spelled wrong, address and could not confirm if they were licensed to collect in the state of Indiana. I read off the dates and the amounts from my credit report that XXXX is reporting which is First reporting date XX/XX/XXXX for {$1300.00}. I asked her why did i have to give them the correct spelling of my name, my correct address.. and that i never had any services with this company nor did i ever sign a contract for anything. I informed XXXX that this company is reporting inaccurately and that i intended to file a complaint. XXXX stated that she could send me an itemized bill with charges. I informed her that is not validating that this debt is mine and due to the FCRA i have a right to ask for proof of what documents were used to verify and validate this debt that i supposedly owe to a company that i never had any services with. She said she would have to transfer me to a supervisor and i spoke with a woman by the name of XXXX XXXX. She informed me of the information that XXXX gave out. XXXX stated that she would send out some papers that would be an itemized bill. It has now been 30 days and i have yet to receive anything from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan for years with wells fargo, and it just recently in XX/XX/XXXX was transferred to another loan servicer called XXXX " XXXX. '' However, right before this happened, I was on a covid-19 forbearance since mid XXXX, and I called in to initiate it. The Rep explained that I didn't have to worry about payments as long as I was on the forbearance. 

The issue is that I asked in XX/XX/XXXX if there was additional forbearance available to me due to covid hardships, and I was told there was not by the rep at Wells Fargo. They also told that there was nothing they could do because the loan was transferring in the next 2 months. Because of their inability to help me, I could not make my monthly payments for XXXX and XXXX on time. 

But after my loan was transferred to XXXX XXXX, XXXX confirmed that I had forbearance available to me the entire time with wells fargo, and could somehow take advantage of it now that the loan had transferred to XXXX XXXX 

Wells Fargo again has taken advantage of it's clients in hardship, and refused to abide by their own terms and conditions because they didn't want to process a forbearance before a loan was transferred. They lied and said there was nothing they could do, and that I had no forbearance available. XXXX XXXX filed a dispute with wells fargo on my behalf, but as soon as the loan transfer was complete, wells fargo refused to fix their mistake and claimed the student loan department was dissolved except for existing loans not already transferred. 

Due to the negligence, lies, and deception of Wells Fargo 's refusal to process my available forbearance, I have a late payment for XX/XX/XXXX, and XX/XX/XXXX. I want these late payments removed immediately. I haven't had a late payment since XXXX, and had to file Bankruptcy at the beginning of Covid as well. This is seriously hindering my ability to build back my credit, and should have never happened in the first place. It's shameful. 

I was able to use the forbearance time I accrued at wells fargo with XXXX XXXX immediately to backdate and start at a zero balance moving forward. But they said they could not delete wells Fargo 's payments no matter how hard they tried. 

Do you know how bad it looks to go through bankruptcy and still be missing payments while trying to rebuild credit. It's been an uphill battle ever since and should have never happened if wells fargo just did the right thing.
Product: Debt collection

I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX, Also with the Debt collection agency Recievable Recovery Services. I also informed them that the information was invalid. They also took my information without permission, and made their own decison to report that debt on my credit which i do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue, and follow through with my request.

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Recievable Recovery Services is a third party debt collector attempting collect an alleged debt.

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Product: Credit reporting

I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Credit card

I am user of chase freedom credit card. However, Chase put my account under security review for no reason. Worse still, when I called the customer service, I got transferred to different departments and being asked same personal questions over and over. They keep promising me I would receive a phone call within 24 to 48 hours. However,5 days has past and I got nothing. I volunteer to call chase yesterday and talked to a representative, answering all the security questions. Finally, she told me my account is clear and available to use again. Today, I called the customer service and was told that the account is under security review again. XXXX Everyone 's time is valuable. Chase is inefficient and chaotic, which waists my time.
Product: Debt collection

I took out a payday from USA on line and paid them back through my checking account. I started receiving threatening phone call and eventually from a XXXX XXXX who stated he was an attorney and my case was going to be filed in court on XX/XX/XXXX unless I pay XXXX XX/XX/2011. He had me to purchase a XXXX card and fax a copy of my ID and a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. Every year since then I keep getting these phone call. Now XXXX XXXX is calling my home, relatives and work threatening to take me to court for this payday loan that is already paid back years ago.The lady stated her name was XXXX XXXX at XXXX and XXXX. I do not owe these people.
Product: Checking or savings account

Navy Federal closed my account due to fraudulent transactions that was done onto the account for someone trying to deposit a check into my account. Since then the account has been closed and I have continued to advise that the transactions was not made by me. Since then I have paid the account off in full under the false pretenses that Navy Federal would reinstate my account, but only used that to obtain the balance that was due onto the account for transactions I did not do. They have since put a permanent restriction from allowing me to be able to obtain Navy Federal any more and in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Have falsely reporting late payments on ( XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 days late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late ) 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Have falsely reporting late payments on ( XX/XX/XXXX - 30 day late, XX/XX/XXXX - 30 day late ) 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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Mortgage

On XX/XX/2022, the property I owned was sold, and the total owed to PHH Mortgage was wired to them by the buyers attorney. PHH says they never received the payment, despite confirmation from the bank that it went out to them and was not returned. They continue to say I owe them the payoff and that I am behind on my XXXX, and now XXXX payments. I no longer own the house and I am very worried about what this will do to my credit rating, Ive had many exchanges with them, as has the buyers attorney.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft and the XXXX Data Breach. Many Fraudulent accounts was opened in my name illegally. Causing great harm to my credit and personal life. I have tried to work with Transunion on this matter and Transunion has done nothing. Below are all fraudulent accounts and I am attaching FTC reports and proof of Identity. Please help me remove these illegal accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Subject : Credit Dispute Identity Theft ( XXXX XXXX XXXX ) and FCRA Violations Dear TransUnion Dispute Department , I am writing to formally dispute inaccurate and fraudulent items on my credit report resulting from identity theft. Due to the XXXX data breach, my personal information was compromised, and as a result, unauthorized accounts and inquiries have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate records and demand their immediate removal. 
The following fraudulent items must be investigated and deleted from my credit report : XXXX. XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXXXXXX XXXX XXXXXXXX {$180.00} XXXX. XXXX XXXX {$1400.00} XXXX. XXXX {$2800.00} XXXX. XXXX {$7200.00} XXXX. XXXX XXXX As per the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting : The immediate blocking of fraudulent information related to identity theft.

A reinvestigation of the listed accounts and inquiries.

A written confirmation of the removal of these accounts from my credit file.

An updated copy of my credit report reflecting these changes.

Enclosed are copies of the following documents to support my dispute : A copy of my government-issued ID.

A copy of the police report/FTC Identity Theft Report.

Please consider this letter a formal request for compliance under the FCRA. If these inaccuracies are not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action as necessary.

I request written confirmation once this dispute is resolved. Please contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i just went over my credit report and noticed errors on my file
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

National recovery continues to furnish information on credit file. According to [ 15 U.S.C. 1681b ] creditor furnish information on credit report which debt is  satisfied. Requesting removal of tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

On XX/XX/XXXX I filed a claim ending in XXXX for the transactions totaling {$8300.00} that the claim was denied because evidence suggested that the card was present at the time of the transaction and pin may have been used or or signature obtained which I have never received that card or activate it any card in XXXX so that therefore I filed the claim on XX/XX/XXXX another claim ending at XXXX with initiated for transactions {$5000.00} and XXXX cents the claim was denied because evidence suggests that the transaction activity and the questions was authorized and posted correctly to the account which that was false because again I didn't receive the card I asked for a reconsideration and they denied it another claim for ending in XXXX for the transaction amount of {$2300.00} posted between XX/XX/XXXX the claim was denied because evidence suggested that transaction activity in question was authorized and posted correctly to the account which again false because I never received the car claims ending in XXXX XXXX XXXX XXXX and XXXX will remain denied they say because they have evidence pointing towards me that I activated the cards just because it was used with my social security number my name my date of birth still does not mean I was the one who activated the cards I filed a police report I wrote a letter sending them everything that they requested for me and I'm still getting denied
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}, XXXX XXXX XXXX  XXXX. {$27000.00}
Product: Credit card or prepaid card

As millions of Americans do in order to report charitable giving for tax purposes, I made a donation on XX/XX/XXXX for XXXX taxes. The receiving merchant automatically sends an email when a donation is made, and we received this from them on XX/XX/XXXX. Wells Fargo states that credit card transactions are made and processed in real-time. However, they did not accurately process it, even on this critical date. They listed the transaction date as XX/XX/XXXX, which is incorrect and makes proper tax reporting impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a XXXX address, apparently opened a Citibank credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, XXXX Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and XXXX and I notified Citibank. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted Citibank, Citibank says the charges are valid. 

I am unable to reach Citibank. I tried again today and they just gave me the Identitytheft.gov website and phone number.