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

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX PROF DEBT XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I continue to have issues reading my bank statement.Debit card purchases frequently do not show the business name where the purchase was made and will show a shared address i.e a shopping centre/plaza address for the business. I have brought this to the attention of my bank, who claim it is nothing to do with them, that it must be the businesses.I have approached businesses involved who have checked with their IT people and they say it's nothing to do with their side. I am sick and tired of trying to make lists of addresses of business where I use my card, just so I can check my statement is correct. Is this normal, it never used to be that way until after the bank made updates. 
Example : Pin debt purchase. 
Terminal # XXXX XXXX XXXX XXXX XXXX Hi... ... ... - XXXX Instead of quickly locating the business reciept I now have to hope the reciept has an address on it and that the reciept hasn't faded! 
I have letters from the bank..stating not their issue.I have also had phone calls to customer service when I can't find a matching reciept and ask who the money was paid to... They can't tell either.
Product: Debt collection

This debt no longer exists the original owner XXXX, has taken it off my credit report. Cavalry simply bought the debt and is trying to get some money from me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charged and credits. This issue aligns with the recent CFPB findings against navy Federal for similar practices, where transactions settled with insufficient balance despite Initially available funds. I believe these practices are unfair and request an investigation into my transactions.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXXXX/XX/year>
Product: Checking or savings account

Opened a PNC Your Virtual Wallet with XXXX XXXX account under promotion terms on XX/XX/2024. Previously opened a similar account on XXXX and had similar problems with the promotion. Before opening this one, had detailed discussion with a PNC customer service representative, who spoke on official behalf of PNC. ( transcript attached ) In this discussion, clarified all the requirements of the promotion, in particular the XXXX month space requirement between account openings, and the deposit requirements. Carefully followed the instructions of the representative on fulfilling the details of the promotion. After 60 days - typical timeframe for the promotion to be paid ( per anothe rcustomer service representative - transcript attached ). - no promotion. 
Contacted PNC multiple times, was " escalated '' multiple times- only results multiple " talks '' and false promises " it will be paid ''. After all imaginable deadlines have passed ( 90 days ) - no promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Product: Debt collection

they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk
Product: Debt collection

A copy of this same complaint was sent to Sunrise Collection and now to your agency, XXXX and the Consumer Financial Protection Bureau. Sunrise Collection insists on an XXXX XXXX XXXX XXXX account in my name with a XXXX, Indiana address although I have absolutely no knowledge of any such account as I have never been to Indiana much less lived there. Despite repeated efforts to explain this to Sunrise Collection they insist this account was opened XX/XX/XXXX reaching collections on XX/XX/XXXX. If fraud, they can not re-open the account and urged me to contact the three credit agencies to achieve a correction and then they hang up on me. Only XXXX has declined to clear my record and restore my credit rating as you wrongly refer back to Sunrise which provides the same false information. Beyond repeating I have never had an Indiana account or lived in that state I have no understanding of what other proof you seek. Clearly, Sunrise, as a collection agency, seeks only collect money irrespective of the truth.
Product: Student loan

My son has a private student loan that I co-signed on. This loan has been all over the country with different lenders. However when I spoke to a collector they gave me XXXX name that I tried to contact however, they no longer have the loan but it is in Navient system. I have contacted them several time and just found out that what is in their system is wrong and Navient owns the loan. On private loans there is a 12 month forbearance. However, do to illness and hours lost from work I requested a 2 month forbearance I pay {$900.00} a month but I am behind 1 month. I am trying to work with them however, I was hoping to get this forbearance to make life simpler and not so stressful. They stated they could n't. I know that my time is up but helping a loan borrow is always more helpful. 
This loan gets paid off next year. I am hoping you can help me in this situation. XXXX XXXX said to contact you in hopes that everyone could work something out. This a hard company to work with because everyone has a different story to tell me. I am hoping for a forbearance to bring the loan current
Product: Checking or savings account

XX/XX/XXXX chime bank allowed four different banks to link to my account transferring my money in my credit builder account and savings account to my checking. I was given back over {$20000.00} but five transactions were done in another state. They have been refused equaling XXXX something dollars and XXXX or XXXX is just gone no ones addressing that, I was waiting for them to get that fixed. She take my money out of the bank XX/XX/XXXX. My account was hacked again by four banks being linked to my account. Chime gave me {$17000.00} and at the same time the banks link back to my account Chime, close my account all three and told me I was the reason due to I didnt follow their policy in deposits, I have work XXXX XXXX for the XXXXXXXX XXXX XXXX XXXX  that is the only deposit Ive done. I had an account with XXXX. It got hacked the same way I just spoke to the detective on the case he is willing to talk to you I have his direct number just reach out to me. If you need to speak to him I can not get anyone from Chime to give me my money back to give me any answers. That was my mortgage. Im going to lose my home I really need your help Im begging you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion is making up false. ( score factors ) to diminish scores. cfpd did an inquiry on my behalf .EXPERION did not answer the inquiry. Instead EXPERION gave CFPB the result of a dispute. With XXXX XXXX XXXX XXXX. A coverup. I only want to know where the information in my Score factor about a mortgage comes from, when I have no mortgage.? So remove it from my score factor because its not on my record.
Product: Credit card or prepaid card

Multiple attempts in contacting PNC to close a fraudulent Credit Card account. 

Four calls, four extended holds, a large loss of time for a commission sales person only to have yet received anything in writing confirming my report per guideline of FCRC605B and the FCRA, no confirmation number, no complaint number, only the name of a case manager who isn't in the office.
Product: Credit reporting or other personal consumer reports

Kindly remove and block.

I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.
Product: Credit reporting or other personal consumer reports

Transunion is correctly reporting my XXXXXXXX XXXX XXXX as well as the correct credit limit of {$2500.00}. XXXX and XXXX, however fail to report this credit card account as well as the correct credit limit. 

The credit card account was opened XX/XX/XXXX. The minimum monthly payment is {$51.00}. It is still open and actively reporting, where as the last report was XX/XX/XXXX.
Product: Credit card

I have balance transfers one of which expires XX/XX/year>. I made my regular minimum pymt and then called and requesting making a pymt over the phone to pay the bal of the offer expiring XX/XX/XXXX. They would not do it & said any amt I pay will be applied to the higher bals & they can not allocate funds as I requested. They said I need to wait for my statment after XX/XX/XXXX- then pay that offer which will have the interest added. They said if I pay it right away no interest will be charged. They will not put that in writing to me but said they are noting my file. I found on your website regarding XXXX ( i ) Last two billing cycles- where it says I can allocate funds in order to not go past my expiration date to pay off that transfer. I do not trust that a note on my file is confirmation that I won't be chaged the interest and don't understand why they won't accept an additional payment to fulfill that transfer. I just had the same situation with another card - made the same kind of call and they did allocate the funds as I requested with no problem. So I believe CitiBank should also have to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX and noticed some accounts I am unaware of that have been bothering me. these are the 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

I have been trying to lift/and or remove this security freeze for over a year now. Teletrack will not allow me to do so without a pin number, I asked them to provide me with a new pin number, since the original pin number they mailed to me was misplaced in the mail. They have ask me to mail in a copy of my ID, a proof of address/utility bill along with a completed form and cover letter stating I am requesting a new pin number. I sent in several requests with sufficient proof of my identity in writing and have spoken to several different people at Tele track over the last year. I have yet to receive a new pin number, and my consumer report remains frozen. I have been denied checking accounts and student loans, and consumer loans because banks are unable to get full access to my consumer reporting. This has caused me great anger and frustration. I am amazed by the lack of care and diligents regarding my consumer report, and the blatant mismanagement of my personal info and consumer reporting. This is against the law to not allow me to have access to my OWN personal information. Please fix the issue asap, and also remove the consumer freeze.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, XXXX, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to access my Equifax report via XXXX  I received an error page when doing so with an error code of XXXX  and a phone number to contact. When I called the number, I was told I had to mail in verification documents and that there was no online portal. 

During a routine XXXX search to attempt to find a form, as well as a cover letter template for issues related to error code XXXX I discovered a internet forum that discussed the issue ( XXXX XXXX XXXX XXXX ) which leads me to believe that mailing in my verification documents would be ultimately fruitless. 

Other links on the internet seem to support this conclusion as well, which I will link below this paragraph. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I will indeed do this as a formality, there appears to be evidence to indicate that this company does not operate in good faith and is notoriously bad at updating consumer information. The internet XXXX XXXX seems to extend as far back as XXXX and is likely a familiar issue for the CFPB. 

It is also possible that a legal name change in XXXX has caused an issue with this credit bureau, and no other. To this end, I have attached not only the requested verification documents ( XXXX XXXX XXXX ) but also a copy of the certified court order granting me my name change. Copies of my Driver 's License, last XXXX XXXXXXXX XXXX statement, Passport, and Social Security are also attached to this complaint. 

I trust this is sufficient information for the CFPB to produce a fair resolution to this issue. Thank you. Take care and be well.
Product: Debt collection

In XX/XX/year>, I submitted a written request for verification of the debt in question to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX. To date, I have not received any response or supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to your agencys failure to validate the debt, I have been subjected to excessive and intrusive phone calls. Your representatives have called me up to XXXX times in a single day, often without leaving a voicemail. On the rare occasions when a voicemail is left, the message is vague and does not state the purpose of the call, further contributing to confusion and distress. 

Under the FDCPA, I have the right to request verification of any alleged debt before any further collection attempts. Additionally, their repeated calls may constitute harassment under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. 

The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. 
We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. 
The owner contacted me to advised that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. 
Weve been patient in waiting for refund. Its been over a month. ''
Product: Bank account or service

I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.
Product: Credit card

this credit card company, the account was opened with a deposit of XXXX and due to financial issues could not pay the statement on time after closing the account company took the open deposit and charged interest fees and other unrelated fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Complaint Against TransUnion and XXXX Refusal XXXX XXXX with Arbitration Agreement Dear Sir or Madam, I am writing to file a formal complaint against TransUnion and XXXX for their refusal to comply with the arbitration agreements outlined in their consumer contracts. 

I initiated arbitration proceedings against both TransUnion and XXXX through the XXXX XXXX XXXX XXXX XXXX ), under case number XXXX. Both credit reporting agencies have refused to participate in the arbitration proceedings, which constitutes a breach of the arbitration agreements they require consumers to enter into. This refusal has caused me significant harm, delaying the resolution of my disputes and creating unnecessary legal obstacles. 

I request that the CFPB investigate this matter and take appropriate action to enforce the companies compliance with their arbitration agreements under the relevant consumer protection laws. If needed, I am prepared to provide any additional information or documentation to support this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been removed from the loan in question as the co-signer. 

The account is delinquent and has been reported as such to the credit bureaus, XXXX and XXXX.
Product: Credit reporting

Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX
Product: Prepaid card

Money was sent to the wrong person Name XXXX in the some of {$450.00} on the XXXX of XX/XX/2023 a XXXXXXXX XXXX name of company the transaction was made through .when found out the payment was sent wrong, inform them through the app by way of canceling the transaction and request a refund within XXXX minutes. Call the next morning to confirm the transaction was canceled, was told to wait for a reply and refund .on the XXXX I received a confirmation email from cashapp that the issue was resolved and the money will be sent to my account. Today is the XXXX ot XXXX and no money was received or returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint within 4 business days of receiving said complaint. 
The following item resulting from the identity theft that should be blocked and deleted, by Experian. 
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX