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

Still trouble with pnc they still owe me the XXXX promotional deposit which they wo n't do now they 've charged me over XXXX dollars in over draft fees did it again today four more times never rejecting the charges kept accepting and returning. I explained why I could n't get money in my account due to hospital and I 'm out nearly XXXX XXXX which is my mortgage payment I want that money returned it 's excessive
Product: Credit reporting, credit repair services, or other personal consumer reports

These attachments show up on my credit report. I have disputed all of them. Im presently in Bankruptcy Chapter XXXX Plan and have been since XX/XX/2016. These creditors were listed in my Bankruptcy Plan.
Product: Student loan

XX/XX/2022 : I requested a refund for payments made during the grace period for my student loans. Edfinancial has not made progress on refunding the loans. 

Internet communities have implied that progress will not be made until complaints are filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Accounts : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Synchrony closed my account without notice. The account was not in bad standing. All payments were and are being paid. There was no reason to close my account and destroy my credit
Product: Credit reporting or other personal consumer reports

These inquiries were added to my account without my consent. I mailed the credit reporting companies and have yet to receive a response and its be 40 days as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.
Product: Debt collection

I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas XXXX XXXX. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the XXXX XXXX XXXX are furnishing this unauthorized fraud. 

The XXXX XXXX XXXX are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 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. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.
Product: Debt collection

I purchased a vehicle which was financed through Santander. That vehicle was totaled in an auto Accidnet. I had gap coverage and everything was paid in full but Santander kept adding fees and additional charges stating that I owe them money. This was covered when the vehicle was totaled in 2015 and they still report this unpaid to the credit bureaus.
Product: Credit reporting or other personal consumer reports

My credit has been in a bad place for years because of companies reporting wrong and reporting the credit bureau things that should long been off my credit report
Product: Money transfer, virtual currency, or money service

Many businesses in this age fall back on one clause which boils the blood for all consumers : the umbrella protection excuse. CashApp will restrict, suspend, cancel or even ignore your inquiries on a specific situation and have zero responsibility for explaining why?. This is no different than a parent commanding a child to go to their room, and offering no reason as to why theyre being punished. How are people supposed to learn from mistakes, and grow in their interactions with businesses? This line in the sand has created such anger within our society. It has with me. How frustrating it is to be told I no longer have the paper money deposit ability on my account because it may be that I violated a term of their policy, my account is too new, or my deposit history is. If Cashapp disclosed that after review of my account, the restriction was placed, then there is no reason not to give the purpose. I mean, cause and effect. Some action has caused the action of restriction. this world has an issue with taking responsibility. We plead not guilty when dealing with a XXXX  XXXX XXXX XXXX XXXX XXXX. We speed. We hire those to cheat on our taxes. Is this the direction you want our future to continue? Companies should not be able to instill XXXX restrictions, punishments, or any activity really without an honest reason. Their support should never disconnect from you when engaged in conversation. Its no different than being hung up on
Product: Checking or savings account

PNC BANK, I was with them for 8 years. I found that they was charged me high interest And overdraft fees. I Believe i wasn't the only one, they charge overdraft and high interest fees to.
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : XXXX. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

my boyfriend went through XXXX XXXX ro get a car somehow my name ended up as cosigner it got reposessed it say on my credit i owe XXXX i called them they said i owe XXXX i asked why it was different they wouldnt answer me told me if i dont pay full amount of XXXX and that was it i really need thos off my credit and with them lying and not coorperating i will never get it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, Experian and XXXX  credit report are unauthorized, fraudulent and not my accounts : 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 and XXXX XXXX.
Product: Credit card

On XX/XX/XXXX I noted on my credit that there was a credit card reporting huge balance on my credit file. I called all the 3 major credit bureaus and they confirmed that there was an acxount in my name. I did a follow-up up & more research. I found out that a brother of my girlfriend who.was living with us was behind this fraud. I confronted him with the information & evidence from one of the phone he was using under my name. He admitted to doing it blaming on his XXXX but promised to pay the who account in full. He begged me not to.report this to police because he did not want to go back to XXXX I talked to discover about making a payment until everything was cleared while the account was closed. He started paying it in installment & I started making the payments. Unfortunately due to his XXXX complications he died on XX/XX/XXXX. I questioned why he was able to open an account in my name yet I have remarks added in all the 3 credit bureaus saying not to extend credit without first contacting me & I have provided my phone number. Discover never contacted me before opening this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
Product: Money transfer, virtual currency, or money service

This issue concerns a Cash App transaction. My daughter and I use Cash App to send money to each other. My Cash App account is linked to my XXXX debit card for a checking account at XXXX XXXX XXXX in Connecticut. 

I initiated a transaction to send her {$100.00} on XX/XX/XXXX. I immediately decided to cancel the transaction, and canceled/ reversed it. Cash App labeled the transaction as Reversed. 

The {$100.00} was instantly taken out of my checking account at XXXX, and shows there on my bank statement. It was never put back in. Cash App customer service claimed that the money was sent back to XXXX on XXXX XXXX at XXXX XXXX and they should have it. I called XXXX, and they painstakingly went through ALL electronic fund transactions made on the XXXX, XXXX and XXXX. There was no return transaction. 

On XX/XX/XXXX, I went to XXXX and submitted an official written claim for the {$100.00} because Cash App still maintained that they had sent the funds. XXXX was kind enough to refund {$100.00} pending their investigation ( I have been a customer there since the XXXX ). 

On XX/XX/XXXX, I received a letter from XXXX saying that their investigation had determined that they were not liable for the claim. They took back the {$100.00} they had provisionally given me. In the course of their investigation, they were told by Cash App that the money had already been given to me and was sitting in my Cash App account as a stored balance. ( Again, Cash App had originally said the money went to XXXX )  There is no money stored in my Cash App account. There has never been any money refunded to me. The {$100.00} is in limbo somewhere. 

I have repeatedly contacted the Cash App customer support department, and have received the same response from 4 different people : " File a claim with your bank. '' I have told them many times that I already did that. I have asked for them to call me. I have asked for a supervisor to contact me. That has never happened. There is no published telephone number for them. 

My advice to others would be 1 ) never make {$100.00} transactions -- they are too common and too difficult to trace ( send {$100.00} instead ) ; 2 ) do not try to reverse a Cash App transaction -- instead, get the other person to initiate a new transaction and send your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking XXXX, XXXX and Equifax for several months to update my information and they have yet to update it. The refuse to abide by the laws.
Product: Debt collection

The debt collection agency has made no attempt to contact me, will not answer emails/inquiries/phone calls. Did not respond to request of verification of debt.
Product: Debt collection

Goodevening! I'm following the instructions provided on how to go about someone using my information for their own benefit without my approval. There is an account by the name of " CKS Prime Investments '' on my credit report is not me. The overdue amout owed is {$1100.00}. Once I noticed it was on my report I immediately contacted the creditors bureau for more information on how to get this off of my report. They also have an address linked to the account which shows up as XXXX XXXX XXXX XXXX, GA XXXX. If you need anymore information from me please contact me. 
XXXX
Product: Mortgage

XX/XX/year>, after reviewing my payment breakdown I noticed a charge of {$99.00} for XXXX. I called and requested it be removed. After weeks of no change and no updates. I am submitting this complaint. This company needs everyone of its VA loans audited to ensure no other Veterans are being scammed by this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.
Product: Prepaid card

B.O.A is filing exceptions on my account followed by a levy and didn't send me a letter about it at all .They have let my 10 days go pass so that they can steel my money I going to the congresswoman about this it is a felony and they have no right filing anything on my account. I have also been told by one of there representatives that XXXX don't work and XXXX don't deserve and money When I ask why they file an exceptions one account they lie and say they can't do it but it was filed by there claims Department with .e over the phone but it was explained toe as if I was going to get my money Now I understand why the placed the XXXX box over my S.S number and birthday, ,so that computer there using can't pin the exceptions on my account that they have filed and claim to have paid me money I have never receive and then tell me I can't file my claim even if I never got the money. Something did to be done about these crimes that there committed ony account. They don't have real investors and there not following any of the rules of there injunction. And there lieing to you saying my account is closed but won't let .me close it. They have not been honest about my account even after I did all that was asked of me please help because cfpb seems to be the only ones getting payed. What about tax payers of the United States there putting us on the streets but me I know for sure there doing this to me because of the color of my skin.why eles would they call me a XXXX. Unexpected and unexceptional. Just unexceptional to be called a XXXX after all this time.