23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.
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. Transunion 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report incorrect loan balances to the credit bureaus. I have been calling for months trying to track down where the discrepancy is. They have not been reporting to one of the credit companies since XXXX of 2024! And the information that is listed is incorrect. My total balance is still showing OVER double the actual amount COMING TO A TOTALNOF XXXX. I have been rejected for home loans because without actual proof from XXXX amd the credit bureaus, they are utilizing the fraudulent information listed. Transunion and XXXX are not being reported to correctly. These corporations are stifling the growth of the XXXX people and essentially robbing them of any opportunity to create better lives for themselves. They need to be held at a higher regard as a federal operating entity. FIX YOUR SYSTEM!!! I have been doing my die diligence, why are they not doing theirs?
Product: Debt collection

XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.
Product: Mortgage

I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed fraud claim n XXXX of 2021 provided police report and discover promised to issue me a check for the full amount that was used because of fraud charges which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo did a credit check with out my permission for credit. The hard inquiry took XXXX points from my credit and took my credit score down to XXXX on XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit card is reporting a 30 day late payment in XX/XX/2021. This is falsifiable information that I did not consent to be reported. By law 15 U.S. Code 1681b.

Please remove the item mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XX/XX/XXXX ( XXXX XXXX Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( Transunion ) There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans got discharged by navient because Equifax is stating that I am defaulting on my loan when they were forgivin this has caused me to lose my security clearance and be denied credit. 
Equifax is reporting that my XXXX XXXX is late which is not true they were paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to Experian, XXXX, and XXXX regarding the accounts in question with no results of an accurate investigation.
Product: Checking or savings account

I mobile deposit my social security check XX/XX/XXXX it was accepted and approved and said it would be available XX/XX/XXXX every since then they've just been lying constantly and giving me the runaround i complained to the FDIC which referred my complaint to the OCC and then chase bank agreed in a letter that i go into a branch with 2 forms of identification and they would release my money i did a branch manager called and then scanned the documents to the back office and they said it would be 24hrs then still lying and saying they didn't receive them 1 said another said they were blurry so of course I've completed the bringing the documents twice to the XXXX XXXX XXXX and twice to other branches still saying blurry some representative even said that they haven't received anything so on XX/XX/XXXX chase preformed a transaction called a XXXX XXXXXXXX check charge for my whole XXXX dollar check amount that was in my account without notice i just happened to check my account and noticed all my money gone so i keep asking where's my money money no one knows well i went into the branch and the manager called the bank office which said the funds was still restricted in a different account even after having some saying my money was mailed out to me when i explained that i have informed delivery which is a XXXX service that allows a customer to receive a scan photo everyday of every piece of mail coming to your address in your email so i explained to them there hasn't been no mail at my address from Chase in the last 30 days so now there admitting that the funds was still restricted and no can explain to me when or why i can't access my money the check definitely has been paid i have documents from social security so can someone please help me and let me not forget that without notice i went to check my account XX/XX/XXXX and now my account is closed no longer exist i even went to the branch and was told account closed and there and even when i called no still can't tell me when will i receive my money from my XXXX social security check deposit
Product: Debt collection

On XX/XX/year> I made a complaint with CFPB due to FH Cann & Associates failure to respond to my request for validation of the debt that they are furnishing on my credit report. The original creditor is listed as XXXXXXXX XXXX. However, FH Cann & Associates responded and stated that they would remove the inaccuracy and seek the validation from the original creditor. I specifically asked for Full accounting for the account, a copy of the assignment of purchase from the creditor, every charge and what was purchased, fee, payment, credit, interest, how they calculated what they claim I owe, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), full chain of assignments from charge off to present, proof that they own the debt with full clear title, proof that they were on the original contract. 


On XX/XX/year> They responded with a letter from XXXX stating how I allegedly owe this debt and provided a timestamp of when I allegedly completed a series of acknowledgments to complete admission process. They also included a " statement of account '' which was simply the school 's tuition and no actual proof that I accrued these charges nor that I actually was admitted to the school. 

On XX/XX/year> I sent a response to FH Cann & Associates stating that they are in violation and furnishing a debt that they are unable to to validate. I once again asked them for them to validate the debt. And they have not responded as of XX/XX/year>. 

This company is in violation of the according to FDCPA 809 ( b ) which states that furnishing, verifying and updating is considered collection activity. They have verified this inaccuracy from the credit bureaus without providing me with all of the items listed and have been in violation of the law which carries a fine of {$1000.00} per violation. It has been over 30 days since I last asked for validation of the debt and they have not provided me with anything.

In summary, I sent F.H Cann & Associates a debt validation letter in XXXX and sent clear instructions on what is needed to validate this debt. They provided me with nothing related to what I asked for or any proof that I owe them any money. I then sent a second letter urging them to validate this debt with the following things listed above or to delete the account off of my credit over 30 days ago and the company has failed to respond, which is a violation in itself because they have had more than 30 days, from the last request I have sent, to investigate. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, they cant continue report a disputed debt if they have failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I have to now seek legal representation as my consumer rights has been constantly violated by this company.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

So I have had numerous problems with this company about fraudulent accounts, along with fraudulent charges, and this is no exception. I went through the whole process of opening up a new checking account with them, only to get incarcerated since the beginning of 2024, and have multiple fraudulent transactions come out of my account via XXXX XXXX, which drained all my funds from said account and ultimately made it negative and they closed it apparently. My family tried to close the card associated with my account, but they wouldnt allow them, even though they were told I was incarcerated and couldnt possibly be the one using the card since XXXX XXXX XXXX XXXX XXXX XXXX  which I have records of ) but to no avail. Chase literally just blamed me for the fraudulent transaction and decided to close my account without investigation or anything. I have never been in trouble before, so all this is new to me, but the facts remain that they should have never closed my account, and that they should have removed the fraudulent transactions that depleted all my funds off said card. Formal litigation will commence against Chase and all its subsidiaries as a result of the fraudulent transaction they allowed to transpire. I am demanding my account be reopened and me be allowed to utilize it like I could previously. Or at the very least let me get another bank account with them to replace that one because in no way shape or form did I deserve to have my account closed after all the hard work to open it. 

New Contact Information Below : Phone number : XXXX Email : XXXX XXXX
Product: Debt collection

I pulled my credit report in XX/XX/2021 and learned of several collection accounts on XXXX and XXXX from Online Information Services for past due collections that I did not know about. I sent them a certified letter on XX/XX/2021 to ask them to validate the debt. As of today I have not received a reply with this information. I have requested that all accounts be removed immediately and they have refused. Enclosed you will find a copy of the certified mail receipt and the last letter enclosed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Semmes, AL XXXX Last XXXX social : XXXX XX/XX/2024 To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

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

I requested that Experian verify the accuracy of a bankruptcy that is reporting on my credit report. Experian mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Experian is not telling the truth. I will upload the letter I sent to Experian, the response from Experian, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.
Product: Student loan

My autopay is set to process each month on the XXXX. For the month of XXXX, the XXXX was a Sunday, so that meant the payment should have processed the first business day thereafter, which would have been XX/XX/XXXX. But on XX/XX/XXXX, I logged in to my account, and it told me three things : - My account was overdue - My monthly balance due was still due, the full regular payment amount - My next autopay date was XX/XX/XXXX There was nothing in my account to indicate that the autopay for XXXX was, in fact, in process. There was a blurb that payments would be appropriately backdated, but there was nothing to suggest that the payment was actually still scheduled for XXXX. It very clearly told me my next withdrawal would be XX/XX/XXXX. 

In a panic ( all too common in these times with student loans unfortunately ), I made a one-time payment on XX/XX/XXXX ( withdrawn from my account the next day, the XXXX ) so that my " overdue '' status would disappear, and I especially did so since there was no pending payment listed anywhere on site. Of course, as you might expect at this point, the autopay payment DID end up processing ( also on the XXXX! ) and was backdated to the XXXX, which would be all well and good except that I had already paid it! 

So because the site could not competently dictate the fact that I had a payment processing, told me I was overdue, and said the balance was due with a NEXT MONTH autopay date, my loan was paid twice. Luckily I managed OK, but a company displaying incorrect information and costing people hundreds of extra dollars out of panic is just simply not OK. Nelnet needs to fix their issues like all other servicers and have payments postponed until they can actually figure out what they're doing.
Product: Checking or savings account

I paid for an item intending to use my XXXX XXXX card on XXXX. However, they forced me to use PayPal, and then when I used PayPal, they didn't default to my credit card and instead used my checking account. I was intending to pay on my XXXX XXXX account. When I messaged customer service, they did not reply to me at all. Instead, connected me with a chatbot that completely misunderstood the situation.
Product: Debt collection

I've received an attempt to collect a debt from Capital Accounts , LLC for a medical device billed from XXXX XXXX. They had tried to reach me at an old address ( which was listed with a forwarding address but never forwarded ) and the company has my new address on file. After emailing me I discovered this debt collection attempt was for a medical device that was never originally billed to me. I have asked they send me a copy of the original bill and they refused to send it - stated over the phone. 

In my attempts to discover why this is being collected, my insurance ( UHC ) at the time shows nothing was ever denied for my dates of service in question, XXXX XXXX, and both my physician ( XXXX ) and the facility ( XXXX XXXX ) XXXX a XXXX balance on my accounts. 

I believe this is a fraudulent claim but can not gain traction with Capital Accounts to determine how to have the collection removed.