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

I am filing the complaint against XXXX, XXXX and Transunion because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Mortgage

PNC ( a.k.a National City Bank ) does not address my complaint in the least bit of the aggressive appraiser they recommended and the gross negligence on their part. The lack of their due diligence is mind blowing and they took complete advantage of me as a consumer. When they sent foreclosure papers to me in XX/XX/XXXX I reached out to XXXX XXXX XXXX at PNC immediately and faxed her a letter giving them permission to contact me. I find it ironic that they say they ca n't contact me " due to a ceased and desist on record '' but on XX/XX/XXXX XXXX at XXXX I have a saved voice mail from XXXX XXXX XXXX who represents PNC Bank on my personal cell phone. I have since called both their desks and left voicemails multiple times and continuously sent faxes authorizing them to contact me and have gotten no response in return. I feel that they are jerking the CFPB around and me as a consumer because they know that there is gross negligence and a lack of due diligence on their part. I need your help CFPB on this please. Please advise as soon as possible. Thank you in advance. 

Respectfully, XXXX XXXX XXXX XXXX.
Product: Debt collection

There were two lines of store credits cards open under my name. All my information was used to open those two-store credit cards ; my name, home address, email, phone number, DOB and social security information. 

I was informed there was a Banana Republic Mastercard under my name by an email received on XX/XX/year> that disclosed the statement and the amount that was owned. The amount owned is XXXX. I informed Barclays that I did not open the credit card line, and they reported it to their fraud department. 

I was informed there was a XXXX credit card under my name by a XXXX representative calling me directly to collect a payment. I am unsure when the calls started but possibly early XXXX. I called XXXX 's fraud department and reported this as a fraud as well.
Product: Money transfer, virtual currency, or money service

I was scammed by the XXXX XXXX XXXX XXXX and FBI agent in XXXX. i was scammed about XXXX dollars. once i found out i was scammed i took proper precaution and filled report to the real FBI IC3 department, Bank of America fraud department and police station.

I got an acknowledgement form to sign to start the investigation on XX/XX/XXXX from BOA, i signed it and sent it back on secure message on the same day i received it. After i signed it i called back to make sure BOA received it. This is the number they have provided me to call when i filed my claim, XXXX called them back to verify if they received it and they said they did and i had to wait 30 days for the other bank to reply. I called again about 2 weeks after I filed it to see how the claim was going and they said to wait. Then i called when its been about 30 days, they said it can take up to 45 days. Then I got a phone call from BOA on XX/XX/XXXX saying they never received my paperwork to start the investigation. Now I am very disappointed and upset at the negligence and lies that Bank of America told me. The chance that I had of catching these scammers is pretty much gone. The BOA negligence has cost me any possibility that I may have catching these guys and getting my money back.

It almost makes me feel like BOA was in for this scam as well, the negligence now made it harder for me to catch these scammers. And for BOA to call me on a Friday evening when everything was closed was the techniqueScammers used as well so i can't react to recover my funds.I been with BOA for over 10 yrs and this is how they treat their customers and their money is just mind blowing.
Product: Credit card or prepaid card

A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report.
Product: Vehicle loan or lease

Hello, Since my auto lease was offered to me by my local XXXX dealership in XXXX XXXX, Texas on XX/XX/2023, I was told that US Bank passes the new-for-2023 Inflation Reduction Act ( IRA ) {$7500.00} Plug-in Hybrid Electric Vehicle ( PHEV ) tax credit to its leasees by adding the {$7500.00} to the residual value line of the vehicle. After signing the contract just before the dealership closed on a Saturday evening, I forgot to look at the line items of my lease contract, but since the dealership did not give me a copy of the contract, I did not have a chance to double-check it. 

A few days later, after calling US Bank to check in with them since I had not heard from them, I finally got my hands on my lease contract. I was shocked to NOT see the {$7500.00} in the residual line, which my dealer 's Finance Manager, XXXX, advised me was where the tax credit should be. I immediately called US Bank 's leasing department asking for clarification and of course, proof in writing that the {$7500.00} is indeed within the residual value line. 

I have been given the run-around by US Bank for three weeks now. I have asked for supervisors and even spoken to the " dealer '' option in their call tree, yet, no one, and I mean no one, has any domain expertise in leasing, which is shockingly frustrating, as one can imagine. How can a leasing department of a publicly traded firm not know almost anything about how their leases work, and when coupled with XXXX expertise in the new IRA tax credits for PHEV vehicles, it makes for many inane conversations with leasing reps at US Banks who know nothing about the {$7500.00} tax credit or where it shows up in the lease contract, if it does ta all. This seems super shady and super frustrating. No one at US Bank cares to call me back to resolve the simple issue of proving that the {$7500.00} tax credit was passed on to me in the lease. Seems very simple, but it has taken me moving heaven and earth to get to this point. In 2023, this is a shockingly negative customer experience for me and the levels of non-informed people in the leasing department at US Bank is really astonishing.
Product: Student loan

My student loan payment for Navient is {$550.00} a month. I only make {$34000.00} a year right out of college and I have other bills to pay. My cosigners have no involvement in the repayment of my student loans. I called Navient to find out if I was able to have my payments decreased because I can not keep up with the payments, and they did not help me and told me I do not qualify for a lower payment. They also asked me why my payment was late and that I need to pay it as soon as I can, but with the bills I pay each month and how little I get paid, I barely have enough food to eat. I have tried consolidation loans and keep getting denied because my loan payment is late. I only have my XXXX, therefore I do not understand why my payment prices are as if I went to XXXX School. Please help me and explain to me my options because I am drowning in these payments and barely getting by.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXXXXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, Equifax, XXXX and XXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.
Product: Credit card or prepaid card

On XX/XX/2017, I used my Chase VISA card to purchase interstate moving services from XXXX XXXX XXXX XXXX. I made cash payment for the services to XXXX XXXX  XXXX XXXX, but the merchant charged my VISA card {$810.00} as well. I spent several months trying to resolve the issue with the merchant, but the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in an attempt from Chase to reach out to me for further information or clarification. In fact, Chase sided with the merchant on the dispute. In addition, Chase appeared to be 'pencil-whipping ' through the previous CFPB dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling or unable to perform additional research or due-diligence with respect to this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, Transunion claims that the information has been verified, which I believe is not possible given the circumstances. I mailed in Disputes requesting verification of validation of debt and have not received anything. I have provided them with Proof of Identify as well as Proof of address and they continue to have other addresses on the report. The only address that should be on the report is XXXX XXXX XXXX XX/XX/XXXXXXXX NC XXXX and the only variation of a name that should be reported is XXXX XXXX anything else should be removed. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. There are inquires that have been requested to be removed which are XXXX XXXX XX/XX/year> and credit XXXX XX/XX/year> in which i informed them that i don't recall giving my authorization for these inquires. There are several accounts that should not be reported which are XX/XX/XXXX with reporting balance of {$7700.00} XX/XX/XXXX reporting balance {$470.00} XXXX XXXX Reporting balance {$6100.00} XXXX XXXX XXXX reporting balance of {$0.00} XXXX XXXX Balance of {$3700.00} when ever a dispute is place Transunion will either remove the item and place it back, change the debt amount or change the payment history. They are also reporting A Bankruptcy, I have provided them with a letter from court stating they do not communicate with the credit agencies so how is it that they are claiming its verified and the other 2 reporting agencies have already removed it. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about Transunion 's compliance with these legal requirements. Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. I respectfully request that the CFPB investigate this matter and ensure that Transunion complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly
Product: Bank account or service

KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.
Product: Debt collection

I submitted a complaint to which the company brushed me off - see below. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX With my complain, I submitted ALL THE PROOF, yet the company says in their response SUBMIT TGE PROOF. I have submitted the proof WITH my complaint and you can see it all attached TO my complaint. Delete this falsely reported medical debt immediately because I submitted all the proof needed. 

Here was my complaint which remains unresolved by this rude, unprofessional, incompetent agency. 


Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In XXXX, I worked at XXXX but was let go as of XX/XX/XXXX, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/XXXX. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/XXXX. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XX/XX/XXXXXXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.
Product: Credit card or prepaid card

On XXXX, XXXX my bill did not go through BANK OF AMERICA ( Opened XXXX XXXX, XXXX ) - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible foXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 months nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. FTC XXXX  Filed, see attached.
Product: Mortgage

Aloha, I have called USAA four times since XX/XX/2019 all relating to an inquiry for all digital copies of complete mortgage loan documents executed by USAA for my records and easy reference. My call on XX/XX/XXXX eventually escalated to the Office of the CEO for unknown reasons, and multiple people from that department have subsequently reached out to better understand what I need and more specifically wanted to know why I needed them ( latest call received XX/XX/XXXX from USAA Office of the CEO ). Again, I clearly restated my requested, confirmed addresses in question and asked when I could expect my request to be fulfilled. I was told it would be researched and they would get back to me. 

After a week of not hearing anything, I called in today XX/XX/XXXX to inquire about my documentation. I spoke to an XXXX ID # XXXX in The Office of The CEO, who ultimately stated that my case was still being researched ; and when asked who was working my file, what notes were reflected in the system, and the chain of people who have been handling my case thus far, I was told varying reasons from her on her ability not disclose said information to USAA needing to " protect my account '' by not disclosing that information to her inability to see any specific notes or persons working the case. 

So I'm to gatherThe Office of The CEO, who in part, handles grievances, conducts research and resolves complaints is incapable of tracking their own research or worse they are preventing consumers the access to their records in a timely and transparent fashion, which raises even more red flags. There is no reason why a simple request made on XX/XX/2019 should be this complicated, frustrating, and lengthly. 

I need assistance looking into this matter as soon as possible. Thank you.
Product: Mortgage

My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.
Product: Debt collection

I have a collection account on my credit report by a debt collection agency : Fox Collection Center which is not licensed in the state of Florida. Therefore I am disputing this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THANK YOU...
Product: Debt collection

a dept XXXX was sent to collections today XX/XX/23 thats not mine, they mixed me up with my son XXXX.I called both the collection service and banifield the complainant.I told them they put my sons bill to my name.we have the same name, they have his email and my dob.now i had a acct with them years ago, so when my son went there they guess it was same person apparently and used that, my son knows the situation and didnt get any notice of bill and has no issue paying but i need it removed from my credit profile file asap. I have no agreement no signed docs
Product: Debt collection

I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy. 15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.