23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted PNC 's Underwriting Dept re a  posssible {$3300.00} credit card balance transfer promotional offer of 15 months 0 % APR. I needed to effect a result quickly. I was approved, but when the credit card arrived the credit line was {$3000.00}. I filed a request with PNC 's Retail Escalation Division ( Case Mgr.  XXXX XXXX - XXXX ). I was told it would not take more than a week for a decision to be made. Two weeks later there was " no decision '' re the additional {$300.00} on the credit line. 

I gave up and, on XX/XX/XXXX, effected the balance transfer with the PNC Credit Card Dept ( " XXXX '' - XXXX ) for {$3000.00}. I never heard back from, nor was I able to reach, XXXX XXXX or anyone else in the Retail Escalation Department. As a result of the ongoing delay and failure of PNC 's Retail Escalation Dept. to rule on my additional request of {$300.00}, I was forced to proceed as though they had rejected my request. I did so after waiting three weeks, attempting to reach Mr. XXXX and other members of the Retail Escalation Dept. and failing to reach anyone. That delay has now forced me to have to pay the {$3300.00} credit balance on TWO cards : the original credit card and the PNC credit card. The total failure of Mr. XXXX to rule on my request damaged me financially.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXXXXXX XXXX  XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX FIN XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> TransUnion XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

One day my aunt XXXX XXXX was sending me {$250.00} through XXXX. And that would be from XXXX in her banking institution to mine. We do not have nor remember the date just the experience. And as I asked Navy Federal for that information, they would not give it to me. It denied her the first time she sent it so she tried to send it again and that ultimately locked my account. We had XXXX XXXX to her bank ATM to pull out the money and that was a distance and more of a problem. I've called on numerous occasions Navy Federal. I've tried XXXX. XXXX told me that they're just an app and I'd have to deal with the XXXX  inside the institution. I've been inside the bank. Talked to managers staff and nobody would tell me nothing and I asked him what did I do wrong. They wouldn't tell me nothing to the point where there was XXXX of them standing around me asking me to leave. Navy Federal nor their Security team will not talk to me. They told me in person that they were not allowed to talk to me. I could try the XXXX number but they've been advised not to talk to me as well. It took me a year, maybe longer, just to get the transaction amount and name out of them for the incident that caused all this. I just found out the other day that I can appeal but it already says on my paperwork that they are going to deny it. They told me I am no longer able to bank at Navy Federal after my grandfather was in the Navy for years. I can appealed it anyways, and was denied to where I called back and they gave me the name and the amount. This has made me default on loans with a XXXX % plus ratio to pay back. This has messed up my credit To the point where I can't get anything other than a prepaid bank account like cash app or chime. Therefore, I can not use XXXX  after a certain date because it has to be through a banking institution and everybody who needs to send me money has XXXX. I'm stressed humiliated and this all stemming after I open the business account and somebody use my finger print while I was asleep and tried to cash a check. When I called to alert them that I didn't make this transaction, they closed that account. That was XXXX XXXX XXXX and I will file another complaint for that. Due to the fact that they will not talk to me. I have no documentation. All I have is bank accounts stating that I have $ XXXX between my checkings and savings. I now no longer have a job due to the stress and complexity of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX ( reported multiple times ), XXXX XXXX XXXX ( reported dupcliate )
Product: Debt collection

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report, please remove these from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Collection Company Name NCB Management Service XXXX. XXXX XXXX XXXX, PA, XXXX. 
Account : XXXX NCB file : XXXX contact XXXX NCB is collecting a debt from XXXX XXXX for balance of XXXX. XXXX XXXX claim to still owe this account. Yet hid my information to be part of the lawsuit. I was going to fie bankruptcy. But out it on hold due to the fact of lawsuit against XXXX XXXX XXXX. They falsey claim that the case has been settled which is not when you check the website. I am in the process of mailing a complaint to the P.A. attorney General about this company. 
They are very rude and stated I have to paid the debt. 
I had sent a letter to work out the debt but they did not respond. 
But when I called they play head games on the phone with me concerning XXXX  lawsuit. Like they did not want to answer question. Yet this collection company is attacking all 3 credit reports. I ask them not call me demanding over 500 month paid a debt that I can not paid. Which they have contact former employer and old address using third party verification stating I gave them permission contact these people. Which I did not. I ask that you contacted them and XXXX XXXX. To eliminate this stituation. These two companies are not friendly at all. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.
Product: Credit reporting or other personal consumer reports

I AM ID THEFT AND MY XXXX  XXXX DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE WOOOHAA AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN XXXX  ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Product: Credit reporting or other personal consumer reports

Good Morning, after reviewing a full copy of my credit report there were multiple accounts i noticed that weren't accurate. On XX/XX/XXXX an XXXXXXXX XXXX XXXX  was reported with a current balance of {$3300.00}. On XX/XX/XXXX an XXXX XXXX XXXX was reported with a current balance of {$470.00}. On XX/XX/XXXX a XXXXXXXX XXXX XXXX was reported with a current balance of {$610.00}. On XX/XX/XXXX a XXXX XXXX XXXX  was reported with a current balance of {$3700.00}. Finally, on XX/XX/XXXX a XXXX XXXX XXXX was also reported with a current balance of {$830.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with Transunion for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was automatically enrolled in Equifax 's XXXX XXXX XXXX program b/c I was one of the persons potentially a victim of their huge security breach a couple of years ago. 

On XX/XX/19 I rec 'd a notice from Equifax alerting me to a change on my credit report. I checked my report via my XXXX XXXX XXXX acct. and found that my address had been reverted to an old address for some unknown reason. I contacted the company because I was concerned. I had changed my address when I moved in XX/XX/2019. My banks and my credit cards had all been updated with my new address and it had been reflected on my credit report.

However, when I began a new job in XX/XX/2019 there was an incident that could have made my personal ID info. vulnerable - they emailed an I-9 form with all of my identifying info. via insecure lines. 

In any event when spoke to a some Equifax repXXXX in XXXX and explained my concern he said it was nothing to worry about and to ignore the alert. 

Sure enough on XX/XX/19 I received a second alert - checked my ount and found the same issue - my old address appearing as my current address. 

I called Equifax again on XX/XX/XXXX and spoke with someone named XXXX who said he would place a dispute on my credit report in an effort to remove the old address. 

On XX/XX/XXXX I received the first of several emails saying that the dispute had been completed and offering me a confirmation number by which I could check the status of the dispute. I have tried several times to log onto the status check website offered by Equifax to no avail. When I provide my identifying information I receive an error notice saying the information does not match their records. 

I have spent the last hour on the phone trying to reach someone who can help me with this. The first person with whom I spoke transferred me to the " dispute center '' where I spoke with a rep. named " XXXX '' who asked me for my DOB, my address, info. about current credit cards and about past student loans ( which I paid off over 10 years ago ) and she was not satisfied. I then asked for a supervisor. She placed me on hold for over 10 minutes. I gave up and called back and reached XXXX. They transferred me to U.S. dispute dept. where I spoke with XXXX who said she would transfer me to a supervisor. I was placed on hold for over ten minutes and then disconnected. 

I called back again. Now speaking with XXXX - who said she was going to transfer me to a supervisor in the dispute department but after 15 minutes of hold time a customer service rep. in " products and solutions '' picked up and had to transfer me again. 

I hung up. I want this issue cleared up. This company is a joke and has wasted my time and screwed up my report. 

My free XXXX XXXX XXXX acct. has expired in the interim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and XXXX. DITECH ref # XXXX.
Product: Mortgage

Took out a homeowner 's loan in the amount of {$110000.00}, in XXXX with Fifth Third Bank of XXXX, Ohio. At the time, the company advised that I would be paying PMI due to the loan amount being more than 80 % of the property value. In part, this was due to the housing market crash. Before the crash the property was valued at greater than {$130000.00} by Fifth Third Mortgage on XX/XX/XXXX. I have the original property evaluation. They told me today that my property is only worth {$100000.00} and since I owe them {$100000.00} I will never get out from under the PMI, since I now owe over 100 % of the property value. They said that, no kidding ....!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles mishandling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I am disputing the findings of Innovis Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Innovis Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Innovis Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Innovis Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Innovis Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.