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

ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX XXXX IN XXXX GA AND XXXX XXXX XXXX THE SAME DAY, I IMMEDIATELY CALLED THE XXXX DEALER IN XXXX GA ( XXXX XXXX ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX XXXX REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT EXPERIAN IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO XXXX XXXX SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM XXXX XXXX WAS PLACED ON MY PERSONAL CREDIT FILE BY XXXX SAYING I BORROWED XXXX FROM THEM, I CONTACTED XXXX XXXX FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT XXXX SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS XXXX TOO. I CONTACTED EXPERIAN FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS XXXX ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND XXXX WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM XXXX XXXX SHOWING UP ONLY ON MY EXPERIAN FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE XXXX AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT EXPERIAN IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST EXPERIAN DATA AND XXXX XXXX. EXPERIAN TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. XXXX XXXX WILL NOT SHOW ME ANY DOCUMENTS NOR EXPERIAN DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST EXPERIAN IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY EXPERIAN CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH XXXX XXXX, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR XXXX XXXX IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. EXPERIAN DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF EXPERIAN.
Product: Checking or savings account

[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX ] [ XXXX FL XXXX ] [ XXXX ] [ XX/XX/2024 ] XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against PNC for Mishandling of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PNC regarding the mishandling of my funds and the poor customer service experience I have encountered. Below are the details of my complaint : 1. **Issue Description** : - I have faced significant challenges in accessing my funds with PNC, leading to frustration and inconvenience. 
- Despite multiple attempts to resolve the issue, I have been given contradictory information and have been run around in circles by PNC representatives. 

XXXX. **Investigation Request** : - PNC failed to conduct a thorough investigation into the issues I raised, which has further exacerbated the situation. 

3. **Provisional Credit** : - On [ XX/XX/2024 ], I was provided provisional credit for certain disputes. However, I was unable to utilize these funds as I did not have a card. 
- Upon receiving and activating my card, the provisional funds were abruptly taken away without a valid explanation. 

4. **Lack of Information** : - PNC did not provide sufficient information regarding the reversal of the provisional credit, leaving me confused and dissatisfied with their service. 

5. **Blame Shifting** : - PNC representatives have consistently shifted blame onto other departments, failing to take ownership of the issues and provide a resolution. 

6. **Overall Poor Customer Support** : - Throughout this ordeal, I have experienced rude and unhelpful customer service from PNC, which has only added to my frustration. 

I believe that PNC 's mishandling of my funds and their lack of accountability and transparency are unacceptable. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the SITUATION Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX ---
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
Product: Payday loan, title loan, or personal loan

My wife and I used a company called XXXX XXXX  to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX  suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.
Product: Debt collection

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX {$0.00} Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks
Product: Student loan

I enrolled with XXXX for XXXX XXXX XXXX XXXX online program in XX/XX/XXXX, I wish I would have done more research and knew better. I continued the program and graduated in XX/XX/XXXX. I thought my student loan was going to be {$5400.00} turns out its over {$10000.00}. I have n't been able to repay any of it. I am a single mom, trying to provide the best life for my XXXX XXXX XXXX daughter. 

I have read articles about XXXX and Navient being a scam, and there is a lawsuit. I need help to identify if I am one of those students that were scammed. I was not able to become a XXXX  because I did n't get the education needed either through this college.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of multiple accounts and inquiries listed on my credit report. I request an immediate reinvestigation and clarification regarding the source of this information, as well as the verification methods used to confirm its accuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> reported a inquiry that I didnt approve of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I created an account with Synchrony Financial services through XXXX retailer. I purchased a furniture in XX/XX/2018 and given equal payment promo for 24 months. I called the customer service of Synchrony and was told to pay only the minimum payment due so that by the end of promotional period i would have paid the entire balance with no interest. After that i made 2 other purchases with XXXX through Synchrony card. I was not told anything about the promo. I completely relied on the bank 's credibility and even setup automatic payment. Today i noticed i have been charged interest rate from XXXX of this year with out any kind of notification. When i called the customer service and told about the situation, they did not care about it and not ready to help. 
Why was i told to pay only the minimum payment due and given false promises that i would be paying off my balances by the end of promotional period. Now i feel like i have fallen victim for the bait and switch.
Product: Credit card

I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit.
Product: Credit reporting

equifax is report a acct that on XX/XX/2016, on XXXX i dont live there
Product: Mortgage

Waiting for the mortgage company to apply HAF payments that were sent XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXX, XXXX, XXXX, XX/XX/ 2022,
Product: Credit reporting or other personal consumer reports

I am filing this second complaint against TransUnion due to their failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly update my credit report with accurate information. Instead of removing incorrect late payments as required, TransUnion has altered the dates of these late payments, keeping inaccurate derogatory marks on my report rather than fully correcting the errors. 

Key Issues in This Dispute : 1. I was never late on any payments in 2023 or currently.

2. XXXX has already investigated and updated their records to accurately reflect that I was NOT late. 
3. TransUnions response contradicts XXXX verified findings, which raises serious concerns about their compliance with federal credit reporting laws. 
4. Rather than removing the inaccurate late payments, TransUnion merely changed the dates, which is not a legitimate resolution and is a violation of my rights under the FCRA ( 15 U.S.C. 1681i ).

Legal Violations & Consequences : Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in consumer reports. Their continued failure to correct this inaccuracy after multiple disputes demonstrates negligence or willful non-compliance.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information can not be verified as accurate, it must be deletednot manipulated to remain on my report.

Under 15 U.S.C. 1681n & 1681o, TransUnion may be held liable for willful or negligent non-compliance with the FCRA, including damages, attorneys fees, and other relief.

Failure to correct this matter may result in legal escalation, including potential litigation for FCRA violations.

Requested Actions : 1. All inaccurate late payments must be completely removed from my TransUnion credit report.

2. My payment history must accurately reflect my on-time payments, in line with Equifaxs corrected findings.

3. TransUnion must provide a written explanation justifying why their findings contradict XXXX verified update. 

TransUnion has 30 days to comply with my dispute, as mandated by the FCRA. If this issue is not resolved, I will explore additional legal action and escalate my complaint to the FTC and state attorney general for further investigation into TransUnions reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Verification of several accounts or to be sent affidavit by the CEO, but the credit bureaus, seem not to have this requirement, and are allowing third parties to place detrimental information on my reports causing and inability to contract. Those people are thieves according to the Fair and Accurate Credit Transactions Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX? XXXX & XXXX XXXX : Account XXXX. is XXXX ( {$780.00} ) has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

See attached reply that never resulted in obligated error corrections to inaccurate highly damaging false claims of late payments and in damaging false claims of amounts received to pay for a false claim of XXXX late fee payments after the sale of my home. This complaint is not duplicative, and is causing me financial and legal damages currently and will result in punitive fee shifting fees on XX/XX/XXXX. 

Nationstar failed to address the inaccuracies stated in the attached complaint and response to Nationstar 's XX/XX/XXXX response that failed to address or explain why Nationstar believes it is not obligated to correct inherently inaccurate payment allocation because it was derived from a XXXX XXXXXXXX XXXX systemic error that internally reversed credit for a XX/XX/XXXX loan payment that cleared my bank and was never refunded to me by XXXX.
Product: Prepaid card

From XXXX XXXX through XXXX XXXX, they allowed their employee to steal all of my deposits, they recently claimed they would refund part of the {$4200.00} they owe me, then XXXX XXXX with Comerica bank directed me to call a general CS # at XXXX XXXX to try to recover the actual amt. They owe me. I can not reach any person to talk to at DE with any available # I am disputing all charges on my acct from XXXX through XXXX. My entire {$4200.00} needs to be refunded to me immediately by sending a check to : po box XXXX XXXX XXXX 's, as XXXX. You can not contact me via e-mail
Product: Credit reporting or other personal consumer reports

Filed Chapter XXXX Bankruptcy. Submitted filing and ID to company and they have not cleared my name and have not sent me an updated report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my multiple attempts to raise this issue and request a thorough investigation, I have yet to receive any resolution or corrective action. These inaccuracies are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 ) - also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has been on my credit report for XXXX  years and no idea whos this is, Ive tried calling people about getting this fraud and other fraudulent accounts on my account removed but Im either asked for money or told its accurate when its not. Someones clearly took control of my social and used it until my score has dropped terribly. This was open XX/XX/year> and Ive disputed twice with no luck. I want this all off my credit its not fair I am suffering because someone used my personal information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payments currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported by credit bureaus is fair and accurate. The late payments in question are erroneous and do not reflect the true status of my account ( s ).

**FCRA Violations** Under the FCRA, Section 1681, credit bureaus are required to report only accurate and complete information. Furthermore, according to Section 1666b, consumers have the right to dispute any inaccuracies on their credit reports and expect a timely investigation and resolution of such disputes.

The incorrect reporting of late payments is having a significant negative impact on my credit score, which in turn is affecting my ability to secure credit, housing, and employment opportunities. This is not only unfair but also a violation of my rights as a consumer under the FCRA.

**Legal Implications** Should this matter not be resolved promptly, I will have no choice but to seek legal representation. Please be advised that if this issue escalates to a legal dispute, the credit bureau will be liable for all associated costs, including but not limited to : 1. Attorney Fees : Estimated at $ XXXX {$500.00} per hour, with a total cost potentially exceeding {$5000.00} depending on the complexity and duration of the case. 
2. **Court Costs** : Filing fees and other court-related expenses, estimated at {$500.00} to {$1500.00}.

3. **Damages** : Under the FCRA, you may be liable for actual damages suffered by me as a result of your failure to comply with the law, including any emotional distress caused by the erroneous reporting. Statutory damages may also apply, with potential awards ranging from {$1000.00} to {$10000.00}, depending on the severity of the violation. 

In light of these potential legal costs, I strongly urge you to take immediate action to remove the inaccurate late payments from my credit report. Please provide me with written confirmation that these items have been removed, or provide me with documentation supporting their accuracy within 30 days of receipt of this letter. 

Failure to address this issue in a timely and satisfactory manner will result in the initiation of legal action to enforce my rights under the FCRA. 

I trust that this matter will be resolved quickly and amicably, and I look forward to your prompt attention to this serious issue. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX This letter is a formal way to assert your rights and encourage the credit bureau to correct the inaccuracies without escalating the matter to a legal dispute. Make sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.