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

Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I have reviewed my credit and found that XXXX XXXX reflects a balance due of {$1200.00} although I had settled this account back on XX/XX/2020. XXXX hired Vital Recovery Services , LLC and we settled this debt on XX/XX/2020 at {$850.00}.
Product: Credit card or prepaid card

I had asked XXXX XXXX, the issuer of Pep boys Credit Card, to remove old information from credit reports ( All three bureaus ) and they had failed to do it.
Product: Debt collection

My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX  remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of XXXX employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, TransUnion, and XXXX, all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, Equifax, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Product: Credit reporting or other personal consumer reports

I started XXXX XXXX on XX/XX/XXXX I wrote the school a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX has received a {$5000.00} XXXX and XXXX XXXX  in my name the XXXXXXXX totaling XXXX. The day XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I could not understand them. On XX/XX/XXXX I called XXXX XXXX and they informed me that I had 120 days to give the XXXX back upon dropping out. I spoke with XXXX XXXX, who told me they calculated my hours and took the XXXX They took the XXXX XXXX XXXX XXXX  which was too much to be taking for 3 months of being at the XXXX XXXX XXXXXXXX was supposed to send the XXXX  back to XXXX XXXX XXXX XXXX XXXX XXXXXXXX instead they kept the money leaving me with a XXXX. I am not responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXXl price at that time was XXXX. The last email I received from the XXXX was XXXX about XXXX XXXX  The school is trying to find away to keep the money which is fraud instead of sending it back
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Digital Federal Credit Union ( DCU ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that DCU has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. DCU did not provide me with this opportunity, nor did I give any consent for my information to be shared.

DCU has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX  XXXX-Inquiry from XX/XX/2018 Experian XXXX XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, 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. Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit card or prepaid card

I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
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THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % of purchase.
Product: Credit card

I had previously submitted transactions for dispute for over XXXX transactions, in XXXX XXXX. My credit card ( ending in XXXX ) information was stolen in XXXX and upon noticing, I closed the card and filed disputes in XXXX. Most of them were finally credited. However, there are many that are still under investigation and it has been almost XXXX days since the transaction and more than XXXX billing cycles! They had assured me it wouldn't take more than XXXX billing cycles. These transactions are by a merchant called XXXX. They were in sterling currency and done in a different country outside of XXXX. I live in california and have not traveled to XXXX or any XXXX country. The issue is that I submitted for a dispute in XXXX. Since then, there has been no movement on the investigation for the XXXX purchases. I explained multiple times that I did not leave the country and can provide proof. Moreover, you can easily see its fraudulant because there were other charges ON THE SAME Day in california ( where I live ). This should have been an immediate alert. I called them multiple times asking for updates. Most recently, I called them on XX/XX/XXXX and they still haven't completed the investigation. 

I submitted dispute XX/XX/XXXX and XXXX and am STILL Waiting for a resolution. These charges were made WITHOUT MY AUTHORIZATION and by a hacker. I do not live or have travelled outside of country. 

The transactions that are still under investigation include : - XXXX in XXXX for amounts of {$530.00} ( XX/XX/XXXX ), {$310.00} ( XX/XX/XXXX ), {$580.00} ( XXXX ), {$310.00} ( XXXX ) Citi has been nonresponsive and refuse to tell me why these are still under investigation. I have provided them ample information and answered all their inquiries, but the transactions are still under investigation. They asked me more questions about these transactions and I answered them with the security team. I was informed that they are still trying to reach vendor but its been months! This is very XXXX inducing given the amounts of the transactions. They were in a foreign currency and that should have been flagged, ESPECIALLY since I was making transactions in California on the same day that a hacker was using my card in XXXX and other countries. Clearly, fraudulent and still no resolution. I have called multiple times and spoke to security center managers and supervisors, with no information to help ease my mind and finish the investigation.
Product: Credit card

I have contacted equifax and also XXXX and the account is still reporting on my credit file equifax keeps my ftc report is invalid which is not true please help get this fraudulent account on my report
Product: Credit card

I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Product: Debt collection

I received a letter from XXXX stating I owe a balance of {$360.00} due to XXXX. Then, XXXX sent the debt to Franklin collection services. I have never had an account with XXXX and I explained that. I have mailed 3 letters in regards to the debt but have not received any proof or correspondence about the letters, only more mail trying to collect the debt. The dates these letters were mailed are on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year and I have yet to receive anything. I keep getting reported on my credit due to this debt and I am in need of help.
Product: Credit reporting or other personal consumer reports

I would like for TransUnion and XXXX to remove the following accounts from my credit report since I've been the victim of fraud and id theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all of the hard inquiries on my credit report as well as regional finance
Product: Debt collection

XXXX had falsely claimed I still owe them {$77.00}, which they sent to a collection agency, AWA. This had a negative impact on my credit score.

My bank statement showed that I've made two payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which made the policy effective at least until XX/XX/year>. 
After six months into automobile policy with XXXX, I've cancelled it on XX/XX/year>. And on that same day, I started a new auto policy with XXXX XXXX. If there's anything, XXXX owes me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mobile Loans has reported a false information to my transunion report recently. They claim the account which was opened in XXXX of 2019 and closed in XXXX of 2019 was a revolving account and that is was charged off with no payment history, no last activity, no scheduled payment of account closed designator. this is a scam company. how can this be a revolving account like a credit card or line. this is clearly a high interest loan company due to my research. This account needs to be removed immediately. I've tried to explain this to transunion, but they hang up on me. none of information from this legal or accurate. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A
Product: Credit card or prepaid card

on the XX/XX/2020 i've applied for a XXXX  credit card offered by Synchrom bank which they approve me immediately. they send me a letter on XX/XX/2020 telling me that my credit score is XXXX, which is false, because of my credit history obtain from transunion witch i made a request for a copy of that report where it states that my credit is XXXX. this is my first esue my second problem is that tis bank fraudulent opened in my name an other account and registered in my XXXX  account as automatic billing witch the last 4 digits of that credit car is completely different from the one i receive from them. 

Please i need assistance in this illegal matter. 

Thank you Regards XXXX XXXX
Product: Credit card

I applied for a new credit card from Bank of America. They promised a {$200.00} rewards offer for applying. Their fraud line XXXX called my home shortly after applying and told me they were concerned about fraud. They provided a code with letters and numbers. When I received the card in the mail it repeated my first name twice instead of having my first and last name. I called the bank and they said they would not verify my account, unless I came in person to their branch. They also said they do not use codes with letters and numbers. I told them I was unable to come to their branch and wanted to close the account then. They refused to close the account, and said they intend to keep my account open and keep my personal information in their database unless I come to their branch. They used their offer to gain my personal information.