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

I have been a PNC/Union National bank account holder  since XXXX. I have a premier checking account which requires a {$5000.00} min monthly balance. I received XXXX interest in XXXX, so XX/XX/XXXX I called to see if I had any higher interest rate options. There are not. So, I switched to a lower monthly minimum. NOT a new account, same account number. The customer service rep changed my account to a Virtual Wallet account without asking or telling me. I have other accounts that are still regular accounts. On XX/XX/XXXX one of my credit card was moved to this ridicules Wallet without my consent. We never even talked about my credit cards. I did online chat with XXXX XXXX Who told me that the account could not have been changed without my consent and it could not be changed back. I can no longer even access my credit card account. I get the message " multiple errors have occurred ''. I can't see my pending checks in bill pay anymore. I actually have to go to one of my other accounts to access my bill pay info. I have been told there is nothing that I can do. I don't know if this Virtual Wallet is in testing but it's awful!! 

Please help me get my old account reinstated. The Virtual Wallet is a majorly flawed application. Customers need to be warned about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy on my consumer file. TransUnion has put the data furnisher 's as being the US Bankruptcy XXXX XXXX XXXX Ohio, which is false. I have attached a letter from the US Bankruptcy XXXX verifying and stating they DO NOT furnish information to the credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies, for any third-party agencies. 

TransUnion is falsely stating this information on my consumer file and has yet to remove from my consumer report. 

TransUnion has no credible way to ensure that the information they are reporting is factual because the courts do not provide information to third-parties. TransUnion has no right to report information they can not accurately verify because they're not privileged to get any information directly from the courts.
Product: Credit card or prepaid card

Comenity Bank through XXXX XXXX processed my Email address incorrectly when I opened the card such that I never received a statement and then made me jump through hoops to waive the resulting interest and late fees. They even tried to negotiate with me to waive {$15.00} of the late fee vs. the entire {$38.00} late fee. In the end, they only waived one late fee and not the interest even when I paid the entire balance after finally receiving the bill. The Comenity team member was overly aggressive to protect the " Comenity policy '' on not waiving fees and interest when a payment is not received even when the fees and interest are bank errors on them and XXXX XXXX.
Product: Credit card

FOR CARD 21001

EVEN WHEN SELECTING PAY NOW THERE IS TEXT THAT THE HOTEL WILL CHARGE THE DEPOSIT. PAY NOW IS SUPPOSED TO CHARGE VIA AMEX FOR 5X POINTS LIKE IT SAYS ON THE PREVIOUS SCREEN. THIS GLITCH CAUSED MY 2024 XXXX  XXXX  CREDIT NOT TO POST CORRECTLY. SEEMS TO BE HAPPENING FOR ALL BOOKINGS AT THIS HOTEL. PLEASE FIX AND MANUALLY POST MY CREDIT. 

THIS ISSUE IS WELL DOCUMENTED BY OTHERS HERE: XXXX

I HAVE A VIDEO OF THIS GLITCH AND CAN SHARE. I FOLLOWED ALL REQUIRED STEPS TO RECEIVE THE $200 CREDIT, BUT YOUR DIRECTIONS ARE INVALID AS SOME HOTELS CHARGE DIRECTLY EVEN WITH PAY NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against Experian. I have asked them to correctly report my accounts, and make the corrections not to what I want, but to the letter of the law. What they did was nothing, they sent me a XXXX card in the mail with the FCRA on it, without their name even on it, I had to look up the return address. All I am asking is that they do what the law REQUIRES THEM TO DO. nothing more. If they reinvestigate an item ( XXXX XXXX XXXX ) for accuracy, then I need to be told what exactly they did during the reinvestigation. If they can not provide that, then the entry is removed. Pretty cut and dry. In response they told me they are not obligated to tell me anything. I have it in an email. They said that and they were not forwarding me the information. Period. That is against the law and they need to be held accountable. I will not let this go. In addition on my bankruptcy Items ( XXXX XXXXl ) They are reporting dates, balances, terms, etc. BY LAW they are to report paid in full and the discharged bankruptcy date. No balances, no terms nothing. They have been asked to correct 5 times, and 5 times they are refusing. They need to be fined and this handled. Since they can not report it correctly, then remove it. Period, I will carry this to the highest levels I promise. They expect us to follow policy, they need to. I insist that the CFPB directly deal with this repeat offender.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed my typed dispute letters to TransUnion LLC at XXXX XXXX XXXX, XXXX, XXXX Each dispute letter was individually typed, clearly formatted, and addressed to specific accounts. I included the necessary identification documents to verify my name, address, and identity. To ensure secure and proper delivery, I placed the individual envelopes into a larger envelope before mailing the complete dispute package. 

The package was delivered on XX/XX/XXXX, as confirmed by delivery tracking. Despite this, I received a notice from TransUnion stating that my request was illegible and would not be processed. This claim is inaccurate, as all letters were professionally typed and clearly legible, with one account addressed per letter. I find this response incorrect and unjust, and I request immediate attention to process my disputes as originally submitted. 

To add to the confusion, when I called TransUnion on XX/XX/XXXX, the phone representative confirmed that my letters were received and are currently under dispute. This contradictory information leads me to believe that the credit bureau may not be adequately addressing the issues I raised or properly resolving the disputes. I request clarification and a resolution without further delay.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened. They are 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  Now owned by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account opened at XXXX XXXX XXXX Now owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of 1974. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have talked to several agents from online to on the phone-totaling 8 people. I called in about my maurity date orginally in XXXX of XXXX. The agent let me know it was XX/XX/XXXX. A day or two after my maurity date I called in to see if I was going to be updated or not. The agent had no clue and said a letter would be sent out. It didnt sit right with me so I talked to someone on the chat and I called a different agent on the phone. Both agents gave me completely different answers. One said that I would receive a letter 30 days after my maturity date and the other said she could not do anything for me because the letter was sent out. I walked through the process on finding it online with each of the 8 agents and the letter was not there. I confirmed my address with each agent over and over-still no letter. So I reached out on XX/XX/XXXX XXXX spoke with XXXX and then the manager XXXX. XXXX did not care. He told me he resent the letter and I need to wait unitl XXXX for the next review. I too am a customer representative and I know it is my responsibility to give our clients correct information at all times. When I do not know the answer I must find or ask for assistance. Our calls are 100 % recorded and I know my manager at anytime call pull my calls. I was given the wrong information over and over again. NO ONE seem to care about the contract that I signed or give me the proper information not even the leadership of the company. Something should be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Bank of America dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with BofA, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX XXXX speratley.
Product: Credit reporting or other personal consumer reports

I just recently got a divorce and the Judge gave me back my maiden name and I did send to all three credit agencys. So I ask for my report and it still says XXXX XXXX and that isn't my legal name anymore, it's XXXX XXXX. I also sent letters for them to remove old addresses because according to the XXXX, it isn't delivery mail. They won't take off. They told me to take out more credit cards so I did, they said my score would go up. Not ur went down. I'm a XXXX XXXX XXXX and I'm trying to get my life in order. HELP
Product: Student loan

XX/XX/2024 I called XXXX XXXX  in XXXX Oklahoma trying to get my transcript due to the law that was passed I spoke to XXXX and she informed me that I had to resubmit a form and she will give me a call back and let me know where to go from there I have reached back out on XX/XX/2024 due to not hearing from her and she had someone tell me they denied me due to I didnt have federal funding, but I did have federal funding and I know for a fact thats why I wasnt able to finish school because my fasfa was over and she will not send my transcript or speak to me about it
Product: Money transfer, virtual currency, or money service

When I had an issue with the service there was not a person I could speak with to resolve the situation or problems
Product: Debt collection

XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX
Product: Debt collection

In SXXXX/XX/XX/2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXX XXXX XXXX opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to CKS Financial which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by CKS that the account has now been sent to another collection company named XX/XX/XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report XXXX XXXX  '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION
Product: Debt collection

DRS is attempting to collect on a payday loan I did not apply for/did not receive. They have called in the past and most recently, emailed me twice, XXXX different reps contacted me. They have an address of a person with the same name, this appears to either be fraud or a mistake on their end. The address the have for me is XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, I have never lived at this address. The amount they claim I owe is XXXX from Payday Yes, a payday loan company
Product: Credit reporting or other personal consumer reports

I found an American Express on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!
Product: Checking or savings account

I have a Capital One 360 Business account what they charged off without any notification, didn't send any letters ect. And they didn't notified me or or called me nothing. They didn't let my checks going through. Didn't let me close it even. And just kept my money for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid the law firm of XXXX, XXXX, XXXX that represented XXXX XXXX, XXXX XXXX Credit Card ending in XXXX the amount of {$2300.00} to settle the delinquent debt. I have requested multiple times and submitted the payment confirmation that shows this should be corrected as settled on my credit reports and closed on my credit reports and it never changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by 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 XXXXXXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, equifax, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, equifax, and transition remove 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 and XXXX  XXXX XXXX  from my credit reports .
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX
Product: Credit card or prepaid card

During the pandemic someone used my name and applied and got {$14000.00}. I have tried to recover these funds from Bank of America, but they keep on either denying my claims, or they reward the claim and mail out a card to the same fraudulent address with the funds on the card. I notified Bank of America, XX/XX/2020, that I didn't authorize any one to use my name to apply for benefits that the card should be stopped and marked as fraud and they assured me that this was done. I then found out that on XX/XX/2020, another card was sent out to the same fraudulent address with another {$11000.00} on it which was used up by the time Bank of America realized that it was fraudulently being use they withdrew the funds, overdrawing the account. i have been fighting this since XX/XX/2020. I had filed a police report and I have filed Identity theft and I have provided Bank of America with very thing needed to repay me these funds that are due to me. and i still haven't recovered anything I have NEVER RECEIVED A CARD. and I have provided EDD and Bank of America with my current address. EDD when i did apply for my own benefits was sending me checks to my mailing address so they have it. but they informed, me that to recover those funds needs to come from Bank of America because the fraud happened with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX
Product: Debt collection

I use to rent from XXXX XXXX XXXX their address XXXX XXXX XXXX XXXX, GA XXXX United States. When I moved out I called them to schedule a walk through but no one returned my calls. So I moved out and left the key with the receptionist at the front desk. Year go by I dont hear anything from them. Two years ago I was applying for another apartment and Im told Im in collections with National Credit System their contact number is XXXX. I called them and they said they are a law firm handling the debt I have with XXXX XXXX. I asked them what debt the read this long list. I told them theres no way Im being charged for normal ware and requested a receipt for all of the damages they were claiming as well as pictures because I left that apartment in perfect condition. I received nothing from them.