23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, Pentagon Federal Credit Union ( PenFed ) placed a hard inquiry on my credit report without my authorization. I did not apply for credit, authorize PenFed to pull my credit, or engage in any transaction that would justify this inquiry. 

Upon noticing the unauthorized inquiry, I contacted PenFed to request an explanation and removal of the inquiry. However, PenFed failed to provide adequate documentation proving I authorized this action. Despite my efforts to dispute this directly with the company, the inquiry remains on my credit report, negatively impacting my credit score.

Additionally, PenFed has reported a debt to the credit bureaus without properly verifying its accuracy. The collection notice I received lacked essential information, including : A clear and accurate itemization date ( 12 CFR 1006.34 ( b ) ( 5 ) ).

The date of default or charge-off date ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ).

Proper disclosures regarding my rights and dispute options ( 12 CFR 1006.34 ( d ) ).

Furthermore, under 15 USC 1681s-2 ( 7 ) ( A ), furnishers of credit information are required to ensure the accuracy of reported information. PenFed failed to do so, as they reported a debt that remains disputed and unverified despite my formal request for validation.

Actions Taken : I disputed the hard inquiry with PenFed, requesting proof of authorization. No valid documentation was provided.

I requested debt validation, but PenFed did not comply with federal regulations requiring clear itemization and disclosure.

I contacted the credit bureaus to dispute the unauthorized inquiry and inaccurate debt reporting. The dispute was not resolved in my favor, as PenFed failed to correct the issue.

Resolution Requested : 1. Immediate removal of the unauthorized hard inquiry dated XX/XX/year> from my credit report. 
XXXX. Correction or removal of the disputed debt due to failure to provide proper validation. 
XXXX. A response from PenFed within 30 days, providing proper documentation if they believe the inquiry or reported debt is valid. 

If PenFed does not comply, I request that the CFPB take enforcement action against them for violations of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR 1006.34 ).
Product: Debt collection

XXXX and XXXX again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.
Product: Checking or savings account

Its been a while and I have not had access to my checking account online since I do not have a US cell phone to send an SMS security code as a second identification. I've talked to Capital One numerous times requesting to use my email to receive the security code which is how I always had received it. I finally decided to close my account but Capital One will not release my funds unless they can send me a security code on a US-based cell phone. I have repeatedly told Capital One that I live in XXXX and do not have a US-based cell phone. I can not get a US cell phone without residing in the US. I don't have a US driver 's license. My IRS and XXXX correspondence comes to me in XXXX. A Supervisor, XXXX, Employee # XXXX told me to send in a fax for a Wire Transfer and gave me the fax # XXXX. I sent a fax on XX/XX/XXXX at XXXX East coast time. I call that evening to verify my fax was received. No one could give me an answer. I was told to call back in the morning. I called at XXXX XXXX  on XX/XX/XXXX and finally connected to the Wire Transfer department. After a long wait trying to find my fax, I was informed that they received my fax but they no longer accept faxes and I need to be verified by sending me an SMS security code on my US-based cellphone. XXXX, Employee # XXXX, said that is the only way I could send a wire transfer. Ive suggested sending a copy of my US Passport issued by the State Department but was rejected. I'll be XXXX on XX/XX/XXXX, living with my wife taking care of her mother who just completed her XXXX XXXX treatments in XXXX this year. We're living off our Social Security and our cash savings is extremely important to us. We do not need this kind of harassment to get our money out of Capital One and transfer it to the XXXX XXXX  XXXX XXXX XXXX. I have not had access for months to my online banking or credit cards to verify purchases and watch for any fraud because I do not have a US-based cellphone. We need our cash available to us for any unexpected expenses. Your assistance is extremely appreciated.
Product: Credit reporting or other personal consumer reports

There is an account which was since removed from collections for {$4300.00} approx. since the last reporting month and is still shown as a collection from Equifax. This account can no longer be collected on, has no validity.
Product: Money transfer, virtual currency, or money service

Two fraudulent wire transfers were executed on my checking account. The first one was on XX/XX/XXXX and the second one was done on the next day, XX/XX/XXXX. I called Chase Bank right away to report that I was the victim of a scam when I suspected that I was not speaking to a Chase Bank employee who had called me from a verifiable Chase number that I had stored in my contacts because I had used it before to inquire about credit card charges. When I called, one transaction for {$5800.00} was pending and a {$3000.00} was left in my account and I asked about the protection of the funds that were left realizing that someone had access to my account. I was then transferred to another person who speaks with fraud victims and again, I expressed my concern for the protection of the money left in the account which was {$3000.00} and she actually set a new username and password on my account and assured me that the account was protected. But the next day, XX/XX/XXXX, the second wire transaction was executed and it should not have been if the account had be frozen. I was notified of the second fraudulent transaction by Chase via email on XX/XX/XXXX. 
I was told by a supervisor that my account had been accessed by a another device other the one linked to my account and that this information was not entered into the research of the fraud transaction. 
I was told that the claim was denied because of a one-time passcode that was used. I did not use the code and the supervisor said that 2 codes would have been required for the 2 transfers but only one was used. I did not authorize these transactions. The money was stolen from me.

I have faxed an Appeal to Chase claims department on XX/XX/XXXX with attached receipts of XXXX XXXX service where I took my computer to have it serviced same day, XX/XX/XXXX and I also sent a copy of the email from Chase on XX/XX/XXXX notifying me of the second fraudulent transaction. I requested a response within 48 hours but have not received it. 
There is clear evidence that my account was accessed by another device. The second transaction should never have happened the next day. These funds were stolen. I called and reported right away which is what I am supposed to do. 
I am asking Chase Bank to do the morally and ethically right thing and fully return these funds to my account. I know it is within their scope to do so. This is a devastating loss that I can not endure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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: Student loan

Yes, this complaint is in regards to a discharge. On XX/XX/XXXX of this year, 2024, I was sent an email from the department of education stating that my loans were to be XXXX completely and that I not only didn't need to make any more payments on my loan but I would be put on forbearance until the process was complete. That day I called both the DOE and Mohela, my servicer about what I received, which DOE confirmed that yes my loans were to be XXXX, as I was transferred over to Mohela and they too said yes my loans were to be XXXX, but it'll take some time to process because of how many cases they needed to process. That was in XXXX. It is now XXXX XXXX, and Mohela is now saying that I am XXXX months behind on loans that I was told I didn't need to pay anymore. I tried calling mohela to try to solve the issue and see what is going on, however, every time I have called, I was put on hold for an endless amount of time with no connection to an agent.
Product: Checking or savings account

My car was broken into and my wallet and debit car was stolen. I found out it was broken into at XXXX XXXX   and by XXXX XXXX  I went online to canceled and close out the card and order a new one. it was successful. Then less than an hour later they allowed someone to use the card at more than 5 locations. It was only after i went into a branch several hours later to order a temp card that the bank rep asked me to review the charges and i discovered the 5 charges after i closed the card out. Then the bank ask me to wait a few days before i can make a claim and without use to my funds that they allowed to be stolen
Product: Debt collection

I contacted Hunter Warfield and advised them that I am unaware why they are reporting on my credit file. I was advised that I am being charged for accelerated rent for XX/XX/2014. I advised them that I need them to send proof of why they are trying to collect wrongfully unauthorized charges. They sent me a copy of a lease that was completely falsified. I called them back and told them I never seen that lease and the dates of the lease are incorrect and the charges in the ledger are not accurate. I previously had a dispute with that creditor many years ago for wrongfully reporting made up charges which resulted in deletion off rental history. They advised that they will not remove the reporting unless it is verified inaccurate by leasing company. I asked what if they stand by their false charges and no one had anything to say. I pleaded with them to remove reporting until this is resolved as this is the only negative thing on my credit and it is hurting me drastically and unfair to have a reporting that is not true reporting on my credit. They refused to remove reporting. I think it this is very unfair. They have not verified the legality of this charges so why are they reporting a collection account on my account? I never even lived at that place during those dates. These charges are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX Someone called me and pretended to be a us bank employee and said that there are three pending charges via XXXX and they were wondering if I authorized those. I said no and we went through the process to reverse them only to find out that that person was taking my money. Three transfers totaling {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.
Product: Debt collection

I have sent 3 Direct certified letters to LVNV in no reponse back as to when or how this is my bill. I have contacted all 3 credit agencies over the last year only one removed from report. It is inaccurate until they can show me how this is mine. I still have received nothing except a signature of someone recing letter nothing in reponse sent back to me where this is mine. PLEASE help me get this taken care of I dont know what else to do besides pay for something that does not belong to me.Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XX/XX/XXXXXXXX XXXX, SC XXXX
Product: Checking or savings account

My debit card and Id were stolen at hospital when visiting wife. And I was u aware for a few days until I checked my account on mobile app. I immediately called and had card stopped and a new card sent to me. I disputed over 5,000 from charges with debit card in Oklahoma at casinos, restaraunts, stores. Someone figured out or knew my pin which was also the last 4 of my phone  number. I have changed my pin since. The bank closed dispute and assumed it was me bc my pin was used. Which is complete bias and wrongful and again was not me and I am now out over 5k and have no other options on getting my earned funds back. They didnt even investigate more than 10 days and wouldnt even expedite the temporary credit and never did refund me. I could call XXXX and file a dispute and inform capital one of their mishandling and poor determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( PORTFOLIO RC XXXX, PORTFOLIO RC XXXX )
Product: Checking or savings account

On XX/XX/25, I attempted to withdraw money from my checking account that had around {$37000.00} in it. I was in XXXX XXXX for Vacation and first tried to take out {$3000.00} from the ATM which did not work. I then went to the XXXX XXXX to try and withdraw the cash using my Pin, I tried a much larger amount of {$25000.00} that did not work either. I called TD and they said that there was a Fraud Block on my card, so they sent a text to my phone and verbally verified me and then they said the block was lifted and I was able to use my card and withdraw whatever amount I needed. I attempted both the ATM and XXXX XXXX  and both failed to work. I then called TD again and they said I needed to increase my limits on withdrawal. I answered Security Questions and they said that they could only increase my limits to {$20000.00} due to Fraud Concerns, but if I wanted to speak to a supervisor they might be able to get the limits to the full amount in my account. I went with the supervisor, who was named XXXX ( Not sure how that is spelled and would not give a last name when I asked ) and the supervisor told me my limits could not exceed {$5000.00}. I was frustrated and asked why I couldn't get access to my money if it was a Fraud concern and I answered all their Security questions, verified my phone number and card number. XXXX was then giving me an attitude and I was no longer being pleasant back. I then asked if I could at least get the {$20000.00} limit that the previous employee offered and they said that I could not. I asked why I couldn't get the previously offered limit, and if she was not giving me the limit out of spite because I was now giving attitude as well. She wouldn't elaborate and I said I am filing a formal complaint with the Bank, and also with the CFPB, which I am doing now. The customer service was awful by her and the fact that I do not have access to my money is unacceptable. This call was made at XXXX Pacific Standard Time and lasted 41 minutes. Unfortunately there are no TD Branches in XXXX XXXX, so I can not get this figured out in person, so I've now called 4 times with no remediation to this issue.
Product: Student loan

This is the XXXX attempt I have tried, Ok her we go I attended XXXX university 2007. I originally went on a consultation and ended up enrolling with out a high school or G.E.D. I was told that they XXXX can not locate my documents to which my lender requires I 'm getting no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. 
In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. 
this is the frivolous account ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these unauthorized inquiries on my report but my disputes has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Under the FCRA section 605b, the Credit Bureaus are required to remove any item and information that resulted due to identity theft. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022