23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I discovered several inaccurate accounts that werent mine. On XX/XX/2023 I sent in a dispute letter to TransUnion asking them to investigate these accounts and send me verifiable proof of the accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. After 30 days of not getting a response, I mailed another certified letter to them trying to get help because those accounts do not belong to me. I also filed a complaint with CFPB, hoping that this would help me resolve my problem. After filing the complaint, I received a response that TransUnion was still working on my problem. I believed that the investigation had started and that I would receive a response back soon regarding these accounts. On XX/XX/2023, I received a letter from TransUnion stating that they were unable to process my request because they were unable to determine the nature of my request. The letter stated that in order for them to investigate the information in the credit report, they needed me to mail them a letter with the account name and number, and specify why I was disputing it ( for example, this is not my account ). I have mailed in letters twice with this information included. These false accounts on my credit report has caused me great harm. I have been denied credit opportunities, faced higher interest rates, and encountered difficulties in securing housing and employment. These issues are not only damaging my financial well-being but also causing immense emotional distress. I urge you to understand the gravity of this situation and take immediate action in accordance with the FCRA. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that inaccurate information must be corrected or deleted promptly. If TransUnion can not verify the legitimacy of these accounts, they must be removed from my credit report without delay. I kindly request that you investigate this matter thoroughly and take appropriate action against TransUnion, ensuring the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently has a freeze on my credit report. They claim that this was fixed, but as recently as today, XXXX bank has reported a freeze on my report and are unable to access my credit information. I have been trying to correct this for over a year with Equifax. They have asked for copies of my birth certificate, passport, driver 's license and a letter of explanation which was sent to them in XX/XX/XXXX and again XX/XX/XXXX. I called them today, and they claim there is no problem with my account. They refuse to escalate the problem to a manager. On several occasions they simply hang up the phone. I have been told to seek legal advice. Before I do that, I am writing to you, per my Bank 's recommendation, Please let me know if there is anything I can do in addition to resolve my problem.
Product: Money transfer, virtual currency, or money service

Cash app offers XXXX  on their platform. They advertise 3 types of transactions, priority, rush and standard which are tiered at different fees. The priority fee is highest then rush then standard. Multiple times I have selected priority only to have it take HOURS for the transaction to process. 

This is a blatant scam as they are internalizing orders before posting to the blockchain. Assuming priority selection, they should be immediately posting and processing the transaction, however they are NOT. I have had priority and rush transactions take the exact same amount of time. Ive been reaching out to cash app support for MONTHS now only to be sent in a circle going nowhere. 

Unrelated to my issue, they also steal peoples funds when processing payments between their platform and XXXX. Give it a quick XXXX search and youll see how much blatant fraud this company commits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

About 6 months ago I discovered that there were Items on my credit report that do not belong to me including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of discovery, I immediately contacted the credit bureaus, and they instructed me to contact the FTC and file a complaint which I did promptly. Absolutely nothing changed on my credit report, so I decided to file another dispute and once again nothing changed. I was explaining to a friend the process that I had just completed for the second time with no results, and he advised me to contact your company which is what brings me here today to file a complaint with your company. Please help me.
Product: Credit reporting or other personal consumer reports

these inquires were unauthorized and Im a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Student loan

I began repaying my student loan in XXXX with Navient. I specifically requested payment towards the Public Service Loan Forgiveness Program. I was placed on a graduated repayment plan which does not qualify towards the PSLF. It was not until XXXX ( XXXX XXXX later when I began inquiring about my payoff date balance with the ONLY company that processes PSLF- FedLoan ) that I was informed that those three years of payments XXXX would not count because it was under the wrong payment plan. I transferred my loans to FedLoan in preparation for payoff ( the only company that processes PSLF ) and they are not counting those three years and $ XXXX ( It took them three years and nine months to evaluate my payoff date ) only to find out it " does not count ''. This seems criminal to me and I would like to know if I can benefit somehow from the lawsuit where they found that Navient who was my student Loan holder neglected to give me the correct payment plan information ( which was one of the charges in the lawsuit ) and as a result has provided a financial hardship for me. Instead of having three more years before payoff I am now facing six more years. Please help!
Product: Debt collection

This was a company called XXXX XXXX that filed a debt & sent to XXXX & is not mine ''. I was never contacted regarding this in over a year when this was supposedly done in XXXXXXXX XXXX XXXX which now I am hearing of this thru XXXX alerts. The company is also using a debt agency called XXXX XXXX XXXX XXXX XXXX & contact # XXXX I am being a target again to ruin my perfect credit '' thru XXXX. '' I am appalled @ these false accusations again my character ''. 
Please get back to me ASAP. Thank you XXXX. XXXX
Product: Student loan

Filing complaint due to being denied on school misconduct application. This is following guidance from XXXX 

On XX/XX/year>, I submitted a School Misconduct Loan Discharge Application to Navient. Navient advised this application was received on XX/XX/year> and to allow up to 60 days for processing. On or about XX/XX/year>, I sent an contact message via navient.com to request an updated status on the process. 
On XX/XX/year> I received via Navient 's message system, a reply saying it was denied on XX/XX/year> and messages take XXXX to XXXX hours to post. At the same time I received the reply message in the Navient message system, the replies of all denials were in the message inbox as well. 
These message only stated that my request did not meet their required criteria and did not state any specifics as why it was denied. I find it odd that the school I attended ( XXXX XXXX XXXX ) was found in multiple court cases to be in violation of most of the " requirements '' that Navient listed on their application for dismissal. 
I also found it somewhat suspicious that I was notified via email on XX/XX/year> that my loans were being moved to a different company. I had no knowledge of this before hand, but I did see that Navient mentioned this on their website. 
I also found it suspicious that my application was denied almost the exact timeframe I asked for an update on the process. As if me asking about it " forced '' them to look at it and then just vaguely deny the application. 
Feeling cheated and scammed by this company as any attempts over the past 10 years at XXXX XXXX XXXX forgiveness or any questions on loan forgiveness and such were skirted and/or ignored by any representative I talked to and now they deny my application for dismissal within XXXX hours of me asking for an update. 
I feel this company is purposely avoiding doing anything to let the next company they are dumping my loans onto deal with it ( 'passing the buck ' ). 
I fail to see why it was denied when I was included in a few court settlements that XXXX frauded their students.
Product: Checking or savings account

On XX/XX/XXXX I noticed 4 charges hit my account that I did not make nor authorized. I immediately called Chime and reported the charges as fraudulent. Chime canceled my card and sent me a new card. However sine the charges where still pending I was told they either would not go through as they were alerting the merchants of the fraudulent charges but if the did ho through since I had contacted the same day the charges were made I would be credited for the fraudulent charges. Well on XX/XX/XXXX I still had not been credited as all 4 charges went through, so I called Chime who told me they now had to file a dispute and it would take up to 10 business days to get my money back. Less than 24h later on Saturday XX/XX/XXXX Chime sent me notification my disputes were denied even though they were aware the card was stolen. I reached out to the merchants directly and they all let me know they would investigate but questioned why they did not get notified by Chime of the fraudulent charges or from XXXX. I explained I filed a dispute and they all confirmed they had not received anything until I reached out. So Chime is allowing employees to decide without doing any due diligence in investigating whether or not you get refunded for unauthorized charges. I have spoken to Chime several times and have got nowhere in getting my money back even though they knew immediately the charges were fraudulent. Honestly I am now questioning if somebody in there dispute dept is involved in the theft, since they refused to investigate and denied my dispute less than 24h later on a Saturday a non-business day. I have had my account with Chime sine XXXX so its not a new account and my whole paycheck gets directly deposited into my Chime account since XXXX. Although the {$75.00} in fraudulent charges may be insignificant to Chime, to me and my family {$75.00} meant I am having to skip eating so my kids can eat because I dont have the money to feed us all so that {$75.00} means a lot to me. I just want what right and thats to have my money returned for the charges I did not make but Chime continues to refuse to help, which seems odd to me based on my dealings with other banks who took fraud charges seriously. I believe their in violation of the Electronic Transactions Act Regulations E and request your assistance in getting my money refunded.
Product: Debt collection

I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my identity theft report that was filed with the Federal Trade Commission and I have sent a copy of my police report to the credit bureaus. As the law indicates, the credit bureau shall take action to block and remove this fraudulent account from my credit report. There has been a multiple attempts of identity theft against me. Identity thieves used my personal information for their own benefit in order to obtain services with false pretenses. I mentioned the fraudulent account in my identity theft report and I will mention it here as well. The fraudulent account is XXXX XXXX BANK XXXX XXXX and the partial account number that I was able to obtain is XXXX. Once I was informed of this fraudulent activity, I immediately placed a fraud alert with all the bureaus in order to prevent further fraudulent activities. Additionally, I requested from all the bureaus to remove the fraudulent accounts and inquiries that were placed on my credit report without my consent because the said account never belonged to me. I never associated with XXXX XXXX Bank before and as mentioned the account does not belong to me. I requested the account to be removed not just a simple dispute to be placed on a file that will eventually be useless. The consumer voice is important as well because the said financial institution used my personal information to open a fraudulent account to an identity thief. The credit bureau request an identity theft report filed with the Federal Trade Commission, and I was able to provide it. The credit bureau asked for a police report, I was able to provide it. Simply, I was able to provide all the necessary documentation requested by the credit bureaus in order to have this fraudulent tradeline removed from my report and yet nothing has taken place.
Product: Credit reporting or other personal consumer reports

INCORRECT INFORMATION ON MY CREDIT REPORT
                 Incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  	Incorrect Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After previous dispute was closed, complaint to the CFPB # XXXX. A collection account was deleted, then allowed by Equafax to be re inserted and RE-AGED ( A serious violation to the FCRA ) as a new account : XXXX XXXX  XXXX, deleted then re inserted as ( Original Creditor XXXX XXXX XXXX ) with a new re opening date of XX/XX/XXXX. XXXX XXXX, XXXX REMOVED IT'S NAME AND JUST LEFT ( Original Creditor : XXXX XXXX XXXX ) but the collection company name has been removed. It previously had an opening date of XX/XX/XXXX, also changed the comment section, copies of credit report sections are provided. The statue of limitations have expired to collect, in the State of Texas a returned check has only a two year limitation which has expired and are illegally trying to collect as a current collection. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX OR XXXX XXXX XXXX Account # XXXX has violated my rights under 15 U.S.C. 1681 section 602 A States I have the right to privacy, 15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My daughter and I have applied for a new Mortgage Loan for purchasing a house in the greater XXXX area from Quicken Loans. The pre-approval was quick. However, after we entered into a contract for a house, the problems started. The lender asked us to upload certain documents. The lender has a site where we have to upload the documents and we uploaded the documents that were asked for. However, it seems the lender keeps on losing the documents and asks for the same documents or new documents periodically. I have already asked them to give me a complete list of all the documents they need. We have also started emailing them the documents But, the request keeps on coming every few days. The information they are asking for can be obtained from other documents we have submitted. I am concerned that the lender is discriminating against us because we are XXXX  and employing delay tactics.
Product: Credit reporting or other personal consumer reports

Equifax claims I have no credit profile every time I submit a dispute, but I clearly have one. I believe this tactic there using is fraudulent. over the past year since XX/XX/XXXX to present XX/XX/XXXX I've received over 35 letters stating they can not locate a file for me but when I call the find the file. I have identified myself numerous of times and have submitted documentation don't what's going on with Equifax and my credit profile, but it needs to be fixed immediately. I will proceed with legal actions with my attorney against Equifax if not corrected immediately.
Product: Credit reporting or other personal consumer reports

My repeated attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, causing considerable stress and anxiety. I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Product: Mortgage

Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents.
Product: Checking or savings account

I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX  and XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.