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

I noticed about XXXX hours ago my card was not working at the gas station which I thought was odd because I knew for a fact I just made a deposit yesterday.Meanwhile still at the gas station I go to check the XXXX XXXX app to see if I could figure out what is going on, which I could not because when trying to sign it I got an error message with only the words " oh no! '' " if you're having trouble call support at ( XXXX ) ' I decide to give it a few more minutes to see if anything changes or if I could figure anything else out, to where I find the exact email from XXXX attached below. I call the given number to see if I can finally figure this out given the email literally says " please call as soon as possible to review your account '' The first rep verifies my information & says " I am going to look into your account while I place you on hold for about XXXX minutes '' Not even a minute or XXXX later he comes back on the phone and all he says to me is " I'm not able to see anything i'm sorry about that. '' Then hangs up the phone... I have now called back XXXX times since then, with the exact same responses in the same exact same order ... There was nothing out of the ordinary that happened with the account, including unauthorized transactions, large/ abnormal transactions from new company/or online. In fact, I have had to confirm probably about 99 % of any debit card purchases over {$25.00} or so for the last few months with the, in which I have done after every transaction I had gotten the text to confirm. Not to mention, I have money in both my checking account and savings account with them I desperately for a of my bills in the next few days, one of them being tomorrow.Yet they will not give my any information at all, tell me when/ if I will be getting my money back, not one single rep can give me a reason, transaction/anything that caused this or could've caused this, a timetable of how long this process typically takes, no follow up emails since, no phone call to start this. Honestly furious, don't understand how this is even allowed better yet legal.
Product: Credit reporting or other personal consumer reports

I am formally contesting and urging the immediate removal of the fraudulent accounts from my credit report. This dispute stems from a clear case of identity theft, for which I have lodged a formal complaint with the Federal Trade Commission. Additionally, I have contacted the banks linked to the fraudulent accounts. 
The banks have acknowledged the legitimacy of the identity theft report and have acknowledged a potential system error that has obstructed access to the records. They have assured me that the fraudulent accounts, which has erroneously appeared on my report for over five years, will be promptly eradicated. 

However, despite assurances, these fraudulent accounts are still persists in my report under your bureau. I am concerned about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts following the submission of necessary documents. What steps are you taking to address this issue? 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone # XXXX XXXX XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Somebody has stolen my card info from Chime digital banking. I have called and complained about this issue to CHIME, numerous amounts of times. I even asked them to block the merchant which was not done! This merchant has charged my card for {$10000.00}. They have declined ever dispute and charged on my claim. Its only been XXXX hours since I have tried to dispute those charges. How could as investigation be conducted that fast? I would like to receive my stolen funds and I would also like the account closed!
Product: Student loan

I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.
Product: Credit reporting or other personal consumer reports

ok so the complaint appears to not be getting heard. the last time I complained I was asking XXXX XXXX disclose who the flesh and blood human being was that validated the debt not for them to send me over the bank statements. they continue to send bank statments when I continue to ask for the accounting records. XXXX XXXX has charged off the account yet they continue to report on it. XX/XX/XXXX they reported the account closed when it has been reported a charge of quite some time ago almost for about 4 years now. This account remains on my credit report and is updated on a monthly basis further perpetuating the fraud. pursuant to FCRA 605 ( c ) which carries civil liability of XXXX they continue to " re-age '' the charged off account. further more pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the person XXXX XXXXXXXX continues month after month with each update carrying a civil liability charge of XXXX and enough grounds to take this person to district court for persistently violating federal law on a monthly basis. further more Equifax has been furnishing information from I dont know and continues to allows the person named XXXX XXXX  to report the debt as valid on my credit file for Equifax this is defamation and willful injury which are grounds for a solid case against this person and the proof of the injury is memorialized on my annual credit report. this is pursuant to FCRA 623, XXXX XXXX XXXX XXXX, Us court of appeals for the third circuit court case XXXX XXXX XXXX. XXXX XX/XX/XXXX filed ( XXXX XXXX. XXXX ) which does carry civl liabilities that are defined to be as " any actual damages sustained by such person as result of such failure '' any being defined as unrestricted. further more, equifax has failed to delete information that has been deemed inaccurate by other credit bureaus. same applies to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

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

This journey started over a year ago with TransUnion reporting erroneous information such as account information, and absolutely nothing was happening as far as removing the account information. I have even mailed in police reports regarding the accounts consecutively from XX/XX/XXXX through XX/XX/XXXX, only for TransUnion to constantly say that the accounts were verified and validated. I am filing this complaint against TransUnion due to the issues with the data breach at XXXX and lawsuit against XXXX due to the recent misconduct on their part. 

I am asking that they remove the listed accounts that are enclosed that I disputed and my personal information on my report. The CFPB has recently filed a lawsuit against XXXX, alleging issues such failing to forward Consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes which fall in line with my complaint with all three credit bureaus and the data breach. This has been admitted by the bureaus that they have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear XXXX, I am writing to formally lodge a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and their associated debt collector, Allied Interstate LLC XXXX for their handling of my account and subsequent credit reporting and collection activities that I believe to be erroneous and unjust. 

In XX/XX/year>, I suffered significant property damage due to a known leak in the XXXX XXXX facility, resulting in a total loss of my personal property valued at approximately {$20000.00}. Despite settling an insurance claim for a portion of the value, I decided to terminate my storage rental agreement given the complete destruction caused by the facility 's neglect. I received a move-out notice confirming my balance was XXXX on XX/XX/year>. Contrary to this confirmation, XXXX XXXX proceeded to erroneously charge my credit card on XX/XX/year>. Subsequent to resolving this issue with XXXX XXXX directly, I was assured of a refund and proper account closure. 

Unexpectedly, I later discovered that XXXX XXXX illegally continued to accrue charges on my account, unbeknownst to me and my account was sent to collections by Allied Interstate LLC, who has since reported this debt to credit bureaus, severely impacting my XXXX XXXX and financial standing. This has directly resulted in my inability to secure a business loan, amplifying my financial distress. 

I have made several attempts to resolve this issue with both XXXX XXXX and Allied Interstate LLC but have encountered repeated obstacles that have prevented the resolution of this matter. It is evident that there has been a significant oversight and intentional mismanagement of my account details, leading to wrongful debt collection and credit reporting. 

I am seeking the CFPBs assistance to investigate this matter thoroughly and to help rectify the incorrect information that has been reported to the credit bureaus. It is crucial that my credit report reflects the factual status of my account and that any wrongful collections activities are ceased immediately. 

Enclosed are copies of all relevant documents, including correspondence with XXXX XXXX, the cancellation confirmation, and notices from Allied Interstate LLC. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and uphold the consumer protection standards that are crucial for individual financial security. 

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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I sent {$43000.00} to an account in the XXXX for a down payment on a house and Wells Fargo the next day locked and put a hard hold on my account which the only way to solve is to fly back to the XXXX and sort it out. 

The receiving account couldn't receive the money either because wells Fargo blocked it so it was supposed to get refunded but it has been over XXXX weeks and the money is not in my account. Receiving account showed me a XXXX copy and wells Fargo claims they know nothing of this. 

I don't know when OR if i will even get the money back
Product: Credit reporting or other personal consumer reports

This is my request for a Investigation of any information on my delinquency or derogatory behavior. Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will investigate these items for me, to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our account with XXXX is transferred to XXXX Loancare. The first statement XX/XX/2019 shows an unapplied balance of XXXX and a payment due amount of XXXX. I call to double check his as my usual payment is XXXX. I am told she will find out that i should call back another time because she cant call me back. I call back 2 more times and get same response. I make the normal payment. XX/XX/XXXX statement requests normal payment and shows the amount of XXXX as paid. Next i get a bill for an escrow shortage of XXXX. I call and i am told that a check in that amount was mailed to me but they dont know why. I explain that i did not get the check. I am told that research on this will be complete by XX/XX/2019. I call back on XX/XX/XXXX and am told research should close in 3 days. I call XX/XX/XXXX and am told that a copy of the check has been mailed to me. Told that the check has been cashed and that she will email me a copy by Thursday XX/XX/XXXX. I call back on XX/XX/XXXX and this person immediately emails me a copy that is not legible. She says it is endorsed by my husband. She can not tell me which city it is cashed in. Transfers me to a supervisor who suggests i file a police report. I contact local police financial fraud dept who says They will help but seems surprised that the mortgage company suggests this. They will also need a copy of the check. I call on XX/XX/XXXX and after not getting an answer to 3 calls, i submit a formal complaint through their website. I call again on XX/XX/XXXX and this person says the work order request was closed, that they possibly did not send the check to me because it was voided and put back in my escrow. I am told there is no legal dept i can speak with and no way to expedite getting more information. On XX/XX/XXXX i get an email saying that my request has been sent to the cashiering dept. the reference number that is given is the same one that i was previously told was cancelled. Today. Is XX/XX/XXXX and i have still not gotten a copy of the check and the amount of XXXX. Has not been put into escrow. 
I have all dates and times of these calls as well as the name of the people I have talked to.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 XXXXXX/XX/XXXX
Product: Credit reporting

I contacted Equifax on the XX/XX/XXXX.. in reference to a open collections for leasing management company and for a public record for the same account. I placed a dispute asking for verification of debt..validation of debt as well a list of charges. I also stated that the amount are inaccurate, and how could the public record amount for {$1500.00} in which I was court ordered to pay. The collection account balance over exceeds the amount ( {$4700.00} ) from the same original creditor. The results of my disputes are listed as verified and still remains on my credit file. 
I also requested from the creditor a validation of debt I have never received anything in writing from the collection agency.
Product: Payday loan, title loan, or personal loan

they are charging me more than i received and they charged me {$100.00} for the first months interest and its not even the first month
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. 

I spoke with XXXX and they gave me my options for addressing the situation. 
There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House  procedures. 
They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. 

Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. 

I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. 

I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! 

After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. 

So I have now spent four hours on the phone today. 
I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. 

My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : 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 : 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: Credit reporting, credit repair services, or other personal consumer reports

U S Bank Home Mortgage Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 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 an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose