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

certegy turned down check # XXXX written to XXXX to purchase materials to restore my home after hurricane micheal, i had {$5000.00} in my account, my bank could not understand it, never bounced a check in my life! Spoke with XXXX @ XXXX on XXXX she made me give her personal info to even look for the transaction, and then could not even find it, The receipt they gave me said # 2 for denial which stated while their was no evidence of a check ever bouncing they did not have sufficent info to accept it! I looked them up in XXXX  many complaints, talked to a manager at XXXX that used them to deny check, she siad that it had become a problem and that she was going to speak with upper managment, i also told her that XXXX has lost my business because of certegy. i could not even get a person on the # on the receipt, only after i received a letter with a # on it, and them XXXX could not even find my transaction or give me any good reason it was declined!! I noticed on the XXXX  complaints they answer each one with the same double talk, but never give anyone an answer as to why they have been humiliated! 
Also i wrote a check to XXXX a week previous for alot more and they passed it!!! I want them to admit their error in writing to me and to XXXX! I think they are just trying to collect peoples personal info, and also when i did speak to XXXX she told me that they also share info with XXXX XXXX XXXX XXXX. please help, bbb is full of people that have issues with them!
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 XXXX XXXX XXXX. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.
Product: Checking or savings account

On or around XX/XX/, I encountered a concerning issue with Truist Bank that has prompted me to seek assistance and potentially involve legal action. Despite verifying and authorizing all charges on my account, which ranged from {$3.00} to {$3800.00}, the bank placed my account on a 90-day hold. This decision was communicated to the bank 's EFM department by a senior banker who assured them of my verification of all charges. However, despite these efforts, the EFM department refused to lift the hold on my account for 90 days. 

The repeated attempts by the senior banker to resolve the situation were unsuccessful, and my account remained on hold. This action led to the decline of all charges on my account, resulting in late fees, return check fees, and other financial penalties. I assert that there were no questionable charges on my account, and all transactions were thoroughly verified by me but a hold of 90 days and 0 access to my account in branch, making a transfer and online was not allowed by Truist. Despite this, Truist Bank chose to enforce a hold on my account for 90 days, causing financial hardship, giving me no access to my own funds and inconvenience. 

I suspect that the bank 's decision to place my account on hold for 90 days may be driven by a desire for personal gain. I am concerned that they may be exploiting the funds in my account for their own benefit, possibly by lending or investing without authorization. This practice is unethical and, in my opinion, warrants investigation by regulatory authorities. 

I am particularly troubled by the impact of Truist Bank 's actions on my financial obligations. The hold on my account led to the bouncing of my mortgage payment and other checks, resulting in additional fees and late charges but are not limited to. This mishandling of my account has had severe consequences for my financial well-being. 

In response to these issues, I have decided to involve my attorney to address the situation and seek appropriate remedies. I strongly recommend an investigation by relevant authorities, possibly including the FBI, to scrutinize Truist Bank 's practices in holding customers ' funds without valid reasons. My goal is to prevent other customers from experiencing the distress and financial consequences that I have faced due to the bank 's actions. 

I am willing to provide any necessary information to aid in the investigation and resolution of this matter. 
Best regards!
Product: Credit reporting or other personal consumer reports

there's a company on my credit report saying that i owe them but i never opened an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finace LLC violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Phone number not available Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXXXXXX //////////// XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX, XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXXXXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX /////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX //////// XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : XXXX XXXX XXXX : CREDIT TRANSACTION XXXX On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry XXXX : Individual Requested On : XXXX /////////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number not available Inquiry Type : Individual Requested On : XXXX, XXXXXXXX, XXXXXXXX ////////// XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX XXXX via XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX ////////// XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX Equifax XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX XXXX XXXX XXXX XXXX  Requested on : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we bought household items at the Sears XXXX XXXX Outlet store, in XXXX. The goods were delivered by Sears on XX/XX/XXXX. They were installed later, once the installation of the kitchen furniture was completed. On XX/XX/XXXX, an attempt was made to use the oven and microwave, neither of which worked. We contacted Sears to make the appropriate warranty claim, but had no response from the store. We continue to insist, without result. During the month of XXXX, after visiting the store in person to again complain about the lack of warranty service, Sears staff visited our home to check the equipment. Sears staff indicated that they were unable to repair the equipment because they needed to order additional parts outside of XXXX XXXX. Despite insisting on the need for repair of the items even on XXXX XXXX, Sears did not respond to the claim. During the month of XX/XX/XXXX, Sears people visited our home again and took all the parts they had delivered for the repair of the equipment, indicating that they would return to collect the belongings. Subsequently, they called from Sears informing that a credit or return of the equipment was going to be granted. However, to this day, after tirelessly claiming Sears for a new equipment warranty, we still don't have an oven or microwave. The credit card was reported that Sears was going to give us the credit and nothing has happened, they continue to charge the same cost without solving this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I get renters insurance with XXXX Based upon a report from LexisNexis Risk, Reference #, XXXX, XXXX raised my deductible due to a prior loss. It wasn't my prior loss. There was supposedly a theft at the unit and an insurance claim to XXXX 's by a prior tenant. There are several issues. I contacted LexisNexis as per their instructions to get more information and they said they couldn't find any information matching my data. Of course, they couldn't. It wasn't my loss. I made no such insurance report or claim. 
XXXX was able to give me the XXXX XXXX claim number which was on their copy of the LexisNexis report. I contacted XXXX XXXX. The unit wasn't robbed. There was no apartment theft. A prior tenant had a bicycle stolen from the garage. I don't even own a bicycle. Their record about what happened is wrong and it can cause me a loss. XXXX told me as long as the LexisNexis Report shows a theft, there is nothing underwriting can do and I'm on the hook. I need to get this report fixed. I can't even go to another insurance company as long as there is an incorrect public record. I'm going to run into risk rating issues.
Product: Money transfer, virtual currency, or money service

Scammed by fraudulent XXXX rep in XX/XX/2021 who used Zelle to transfer funds from my XXXX checking account in amount of {$990.00}. I sued Zelle in small claims court and won the judgement. Subsequently Zelle appealed and the judges verdict is pending. XXXX assumed no culpability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but Equifax and XXXX did not remove. How was XXXX not able to verify account accuracy but equifax and XXXX  could This is in violation of the fair credit report act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to challenge the incompleteness of certain items on my credit reports to no avail.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because there are persistent issues with my EQUIFAX consumer report that are out of compliance with the Fair Credit report Act. The accounts EQUIFAX currently has in its system are multiple inaccurate accounts. I want to ensure that the company effectively responds to my dispute.
Product: Credit card or prepaid card

A few weeks ago I request my sears card from citi bank be re issued due to the card being lost and the representative told me they couldn't issue me a new card because my account was delinquent and I had to pay off the entire balance before I could a new card and today it was near impossible to close that account after paying it off, the rep tried to keep me as a customer which I understand working in a bank myself. But he mentioned if I did close my card he couldn't send a complaint since I expressed my frustration about the previous rep who answered the phone, after telling him I still wanted my account closed his attitude went from nice to annoyed and closed the account then hung up the phone.
Product: Credit reporting or other personal consumer reports

I disputed fraudulent student loans that are reporting on my credit reports on XX/XX/2023 and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.
Product: Checking or savings account

XX/XX/22 I paid for a service that I DID NOT RECIEVE AND STILL HAVE NOT RECEIVED through my Chime debit card. I have disputed and tried to get my money back thru Chime who is refusing to give me my {$300.00} back! I was scammed through a XXXX  XXXX  user and I sent in multiple Documents proving I never received what I paid for. They sent back a document of me requesting a refund from the scammer and said that was the reason they are not giving me my money back! How does that even make logical sense! Chime states they assist and refund customers who have been scammed or paid for something they did not receive however, they are not helping me! I have been patient, and tried to work this out but this is ridiculous! They have no reason to not assist me with this. The documents they provided makes XXXX sense and doesnt even state what I said or prove anything besides that my money was indeed stolen! Please help {$300.00} gone down the drain & my bank Chime/XXXX  is not helping! I have multiple documents of me trying to work this out with both XXXX XXXX, Chime, and the scammer who refuses to give me my money or respond after I sent the payment.
Product: Credit reporting

Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
Product: Mortgage

We purchased our home in XX/XX/2021 for {$310000.00}. We put 5 % down, so our loan was {$290000.00}. Our original loan servicer was XXXX XXXX XXXX. It was sold to XXXX XXXX approximately one year ago. Our home value is now approximately {$400000.00} based on appreciation alone. We have also done numerous upgrades to the interior and exterior of the property. We are very confident our home would appraise for well over {$400000.00}. We have had several phone conversations, several email conversations, and have sent two written mailed requests for Private Mortgage Insurance ( PMI ) ( $ XXXX ) removal, to which they have repeatedly denied, or ignored. We specifically have spoken to XXXX XXXX and XXXX XXXX at XXXX XXXX. It is my understanding that if we request the PMI removal, then they must order a Broker Price Opinion, or reappraisal to determine the current value of the property and if we are at the 75 % XXXX ratio for PMI removal. We believe they are not acting according to legal guidelines.
Product: Credit reporting or other personal consumer reports

I've contacted Equifax many times regarding this issue with these inquiries on my report. Its over 108 inquiries on my credit report that I don't recognize. I've sent document trying to dispute these inquiries and I've contacted them over the phone many times trying to get this handled. My info. have been compromised before I've explained that to this company many times and the company Equifax doesn't care and still refusing to dispute and remove these hard unauthorize inquiries. Please excuse me, but 108 inquiries is insane. I wouldn't dare hurt my credit like that. I've been dealing with this for an year and a few months. I am hurt about this and I don't understand this but I want this to be reviewed. I had no issue with the other credit places removing the unauthorize inquiries.
Product: Debt collection

A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX  to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.
Product: Credit card

USAA decided to close my account on XX/XX/year> This was a secured credit card via CD USAA mailed me the funds on closed CD but didnt deduct balance that was on CC ( {$71.00} ) Now, with my checking account frozen and me being unable to move the funds to cover the closed CC ( which USAA shouldve deducted to begin with ), USAA charges me a {$15.00} late fee on the already closed CC?? Im assuming this will be a late report to credit bureau as well. 

How is this not a violation of consumer lending laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Product: Checking or savings account

Cash app Ive used for years closed the wrong account due to fraud by XXXX XXXXXXXX by XXXX XXXX and they closed the wrong account due to XXXX XXXX and have yet to restore my good standing account I have reason to believe now they are committing fraud and my mother sent money that was stolen they refuse to fix. 

I have contact law enforcement and reporting all agencies associated. 

Cash app will face damages due to willful neglect of account and their mistake
Product: Student loan

Navient runs circles around you and makes it impossible to payoff your loans. I am trying to allocate my payments to my loan with the higher interest rate, as well as pay more to work toward paying those off first. 

I have been on the phone for 1 hour and no one can explain to me how to do this. 

IE if I pay more now, it will be received as an overpayment and push back my next payment cycle. 

It is mind-blowing that I can not pay more to pay off these loans. They obviously just want me to keep paying off interest.
Product: Checking or savings account

Pnc bank On XX/XX/XXXX my account was showing positive and then the morning of XX/XX/XXXX it was negative from a few transactions going through plus I was charged an over draft fees twice I was not given the 24hr time frame to bring current like they state. The overdraft fees were automatically put on. This has happened many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Product: Debt collection

There was a Notice and Demand for Payment opened XX/XX/2014 to recoup the exact value of the illegally collected debt in the amount of {$900.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.