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

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS XXXX {$0.00} not mine XXXX XXXX XXXX {$130.00} not mine XXXX XXXX XXXX XXXX {$3900.00} not mine XXXX XXXX XXXX XXXX XXXX  XXXX {$460.00} not mine XXXX XXXX {$2300.00} not mine XXXX XXXX  XXXX {$12000.00} not mine XXXX XXXX  XXXX {$0.00} not mine
Product: Checking or savings account

One three separate occasions, the last being XX/XX/XXXX ; the bank has given less cash than the withdrawal amount. This happened in the drive through and in the bank lobby. The most recent occurrence involved a withdrawal for {$300.00} dollars and I only received {$200.00}. Because this has happened on three separate occasions and I am an elderly customer I believe the branch or an employee at the branch may be committing fraud.
Product: Debt collection

They threatened to take my social security benefits from me after being off do to being XXXX  with XXXX XXXX. Im on XXXX  XXXX now. They call me everyday threatening me, Im a single mom of XXXX children
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on Equifax that the company agreed to delete because they were paid in full. The other two bureaus did delete the accounts yet Equifax still reports them. It has been 90 days now and they still report it. It has been disputed along with proof sent to them. I get the virus is slowing things down but why did the other two bureaus see fit to do their job and Equifax hasn't?
Product: Checking or savings account

I opened a savings account in Marcus by Goldman Sachs on XX/XX/XXXX. I deposited {$29000.00} in to the account on the same day. I have since only logged in once or twice to check that the transaction went through, I did not engage in any repetitive or unusual activity on the account. I tried to access the account on the XXXX, and it was locked. 

When I called the support team, they were non-cooperative, telling me that they can't tell me why my account is locked and not telling me when or how I will be able to access it. They said that they can't authenticate my user even though I was providing them with my correct SSN, date of birth, name, and phone number ( same information associated with my Marcus account ). 

It is very frustrating that my money is held for unknown reasons and with no clear way of getting it back, considering that I have to pay for my education very soon and this was all of the money I have been allocating for that. This feels like a scam.
Product: Mortgage

I have filed a complaint previously regarding PNC bank. My husband fraudulently used a line of credit, I immediately notified PNC upon learning of this issue. No one at the bank/call representatives guided me to dispute the charges. I have been in a run around for almost a year now with this careless, negligent institution. I have informed them to do a review, they kept giving me the run around until I did my first complaint through Consumer Financial Protection Bureau. After my complaint, they unwillingly only fessed up to some of their mistakes. I want a thorough investigation done. This is sheer negligence and they keep trying to sweep it under the rug. They did not even want to do an investigation until I pushed and pushed their mistakes. I am tired of their nonsense, I would rather pay an attorney 's fees and take this to court rather than to pay this sleazy bank. They know they made pitfalls on their end and are doing NOTHING to fix this issue. They are saying I am responsible for over $ XXXX which I did not spend! I never authorized the money being used. Their lame excuse is that payments went out of a joint account. AN UNAUTHORIZED USER MADE THE PURHCASES WHY ARE THEY NOT REVIEWING FOOTAGE FROM ATMS?!?!? I AM BAFFLED BY THE STUPID ANSWERS, UNPROFESSIONALISM, NEGLIGENCE, IGNORANCE AND LACK OF UNDERSTANDING BY PNC. Completely disgusted by this bank and their employees.
Product: Vehicle loan or lease

My previous auto financing company is reporting a charge off that is negatively affecting my credit report. I have always disputed the validity of this debt. Recently, I was awarded a class action settlement against this auto financing company for discrimination in auto financing. I believe that this debt was a direct result of the companies discriminator lending practices and I would like this negative reporting removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the 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 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 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: Vehicle loan or lease

On XX/XX/XXXX, payment was sent to Santander and payment was not acknowledged or credited to account. On XX/XX/XXXX, another payment in full was sent to Santander and no credit to account. On XXXX XXXX, vehicle was repossessed and had to pay {$2500.00} to get it returned. Payment was sent again in XXXX for partial amount and also not credited to my account. In XX/XX/XXXX, attempted to make a payment via customer service representative and again, they continued to send me through their automated system qhen I was making a payment per agent. In XX/XX/XXXX, attempted to send a full payment via XXXX and received a letter that they received the XXXX and they did not want to give up the security interest in the vehicle. I need assistance, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a hard inquiry on my credit report for XXXX XXXX XXXX dated XX/XX/2018. I have not applied to any credit for XXXX XXXX XXXX. This inquiry is due to stolen identity or other matter not involving me. 

I have reported this problem to Equifax on several occasions and their reply is always that I should contact XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have sent various letters to XXXX XXXX XXXX at that address above provided by Equifax and the letters get returned to me as not deliverable. See attached copy of letter returned to me by the USPS. I have called the phone number above provided by Equifax for XXXX XXXX XXXX and that number is disconnected. 

The address for XXXX XXXX XXXX in Equifax 's hard inquiry is not a valid address according to the USPS and the phone # is disconnected. 

I have contacted Equifax several times via complaints here and via phone and the reply is always the same one as stated above.

Equifax is therefore providing me with FALSE information about the XXXX XXXX XXXX inquiry. Please have Equifax remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score!
Product: Credit reporting or other personal consumer reports

inquiries shared my credit info without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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
Product: Checking or savings account

I had a few issues with my account ( kept getting hacked and unauthorized funds withdrawn from account, ones i didnt authorize ). they asked me to show proof, which i e mailed them like they asked me to. they never responded and actually closed my account without telling me until 4 hours after they closed my account, which my direct deposit was supposed to go to my account that evening. I had to wait almost 2 weeks for my check to deposit into a new account because they sent it back to my employer. i had to borrow money to make it that week and a half. then they told me it was due to security issues is why they closed my account. and they reversed all the credits they gave me for the unauthorized transactions ( they charged me for them ) and kept checking account open so those charges could come back thru, but wouldnt allow me to withdraw or deposit any money in the account. when I filed a complaint with the BBB they called me back with a case number, however when i called them back multiple times, they never called me back, kept getting their voicemail. they supposedly reported to the XXXX  that they couldnt ever get ahold of me and no resolution was reached which is hogwash!!! i repeatedly called them and asked for them to call me back or leave a voicemail. This is very unprofessional of them and rude.
Product: Debt collection

I am very concerned because this company Calvary is sending me a bill that I do not recognize for the amount of {$500.00} with an account number # XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Their telephone number is ( XXXX ) XXXX. I think someone stole my information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt or credit management

In XXXX of XXXX I signed up for a debt relief program with level one law paying XXXX a month that was debited from my bank account. In the paperwork it states that they would start negotiating my balances from my credit cards. I havent heard anything from them a year later I started getting sued by the credit card companies. When I call them and the lawyer that was assigned to me XXXX XXXX nobody answers and I leave messages but no one returns my calls. I received an email from an attorney that stated level one assigned them my case and the werent going to take the case and level one law was being sued. I looked it up online and it showed hundreds or even thousands of people who were scammed and a lawsuit. It also stated that as of XX/XX/XXXX they shouldnt have been collecting money from their clients. Im complaining because first they never negotiated any of my debt and they were still debiting my account and taking my money please help because Ive been scammed out of thousands of dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Company XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX Bankruptcy it was reported to all credit bureaus Transunion is reporting on my auto loan account from XXXX XXXX XXXX XXXX as, in payment plan status with Chapter XXXX bankruptcy in the comments section,
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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: Student loan

I finally paid off my consolidated student loans on XX/XX/XXXX, XXXX days before a payment was to be withdrawn from my checking account on XX/XX/XXXX. 

It did not occur to me to stop auto-pay. I couldn't imagine the servicer would still take money from me when none was owed. 

When I discovered that the servicer did take the money, on XX/XX/XXXX, I immediately messaged the servicer. I received an auto reply stating it would take up to XXXX business days for a reply. I never got any message that there was a reply. 

I again messaged the servicer on XX/XX/XXXX. The reply stated it would take XXXX business days for the overpayment to be refunded. I got the check via XXXX today. 

Why should this have even happened? My balance was XXXX, yet the servicer still took my {$110.00} because, why? 

When I think about how many borrowers are struggling, it should be against the rules for all loan servicers to continue to deduct auto-payments on a XXXX balance loan. Thus this complaint. Thank you.
Product: Checking or savings account

On XXXX 2022 my phone was lost and both my banking account and Cashapp were compromised. I filed all paperwork and was completely refunded all money from my XXXX XXXX account. I also reached out to Cashapp and out of 12 unauthorized transactions only 4 were returned to me. I spoke with several representatives and gave all information that was requested to dispute the unauthorized transactions for XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I have been trying to deal with them since XXXX 2022 when I was made aware of the unauthorized transactions. They have since closed the claim and refuse to return the reset of the unauthorized transactions. I have filed a report with the XXXX  they denied the claim. They will not address why they returned 4 of the 12 transactions. I have requested to speak with a manager several times and I have been denied. I feel like I'm reaching out and I'm wasting my time. I'm hoping to get some assistance because {$600.00} is a lot of money for someone to steal from you and you honestly get no assistance from Cashapp. My phone number is XXXX... My name is XXXX XXXX XXXX XXXX XXXX and my Cash tag is $ XXXX ... the address on my account is XXXX XXXX XXXX XXXX Georgia XXXX ..also the email with my Cashapp is XXXX these people will not speak to you and they will not give you assistance in getting your money back even after doing everything that they tell you that you must do. I'm completely lost and would appreciate any help or advice on getting my money returned to my account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about 150 points. XXXX has adamantly REFUSED to make adjustments and increases to my credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. XXXX failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of XXXX 's obstinate refusal to correct the damage by this identity thief.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Reporting Inaccurate Late Payments Violation of Consumer Rights Dear Truist, XXXX, and XXXX, I am writing to formally dispute and express my serious concerns regarding inaccurate late payment reporting on my Truist credit card account, which was opened on XX/XX/year>. Despite disputing this account twice, neither Truist nor the credit reporting agencies have provided any legitimate documentation showing that the alleged late payment is valid. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate reporting, and I have specifically requested proof substantiating that the alleged late payment was truly late. Unfortunately, the billing statements you have provided are insufficient evidence to support this claim in accordance with established case law, such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. In that case, billing statements were found to be inadequate in proving late payments. 

Moreover, the continued reporting of this inaccurate late payment may be in violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). The refusal to provide sufficient documentation could be seen as a deceptive and unfair business practice, subjecting Truist and the credit reporting agencies involved to legal consequences. 

In light of the above, I strongly urge Truist, XXXX, and XXXX to take immediate action by removing the incorrect late payment from my account. Should this matter not be rectified promptly, I will have no choice but to escalate this complaint to the FDIC and pursue further legal action to protect my rights. 

I trust that you will investigate this issue thoroughly and address this erroneous reporting in compliance with the law.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my context, Best Buy credit card company pull hard inquiry on XX/XX/2021. I have been contacting to the company several times and they never resolved my issues. 
Please remove my credit hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance with Wells Fargo, who ran a credit check on XXXX, immediately after they ran my credit I recieved over 20 calls in two hours to my cell phone with companies trying to solicit mortgage refinance.
Product: Student loan

I comommunicate to you because i have problem with Nelnet loan service Inc. The problem is the account already pay long time ago. Nelnet still have the account negative in my credit report. They have the account 120 days past due. And term monthly XXXX. I duspute with XXXX  that account and still negative. It no fair that account have more than 5 years affect my credit score it already paid. The reason i paid that account to fix my credit no to affect my credit.please help me to remove from my credit report.