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

I signed up for the highest level checking virtual wallet with PNC Bank and the promotion they provided to me was {$400.00} for opening an account with direct deposit. I met the terms of the promotion and never received the funds, I followed up multiple times to confirm I was supposed to receive the promotion and they confirmed I should, then I never received it. we are now in XXXX of XXXX ( account was opened in XXXX of XXXX ) and they are stating the branch I opened the account in did not have this promotion. Yet they are the ones who told me about the promotion when I opened my account. The back and forth with this bank has been most frustrating. Working within the Risk and Compliance world for another major bank I know this is unlawful. Please investigate their actions I would hate to think how many others they are doing this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as XXXX and TransUnion are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX   XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Debt collection

To whom it may concern, I made an uninformed decision when I entered this consumer credit transaction. 
There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. 

Reporting charge-offs on my credit report every month is defaming my character.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

A duplicate payment of $ XXXX was made on my Wells Fargo credit card ending in XXXX on XX/XX/23. I called in to have it reversed and the person I talked to said that she made a request to do so but it will take about 11 business days to reverse the payment to a non-Wells Fargo checking account. 

I called in today, XX/XX/23, which is the 11th business day from XX/XX/23 because I still don't see it on my checking account. I was told that it takes 30 days for " research '' to be conducted and another 11 business days for the duplicate payment of $ XXXX to be reversed. This is LONGER than what I was originally told. I asked if there's an escalation process. The representative I talked to transferred me to his next level of support. The next level of support said there was no way to escalate or do a follow-up because there was no contact to talk to in the " research '' department. I asked what was the next line of support I can talk to. She transferred to her " manager. '' That manager hung up the line. 

The $ XXXX that was pulled out of my checking account was supposed to pay for my bills, mortgage, insurance, property taxes ( and checks that now bounced ) that I could not do because Wells Fargo wouldn't give it back to me.
Product: Checking or savings account

I opened an account with PNC bank on XXXX XXXX. The process said that it could take up to 15 days for funds to be available after they were deposited. Fine. I made 4 deposits : One on XX/XX/XXXX, XXXX on one XX/XX/XXXX, XXXX, one on XX/XX/XXXX XXXX and one on XX/XX/XXXX, totalling $ XXXX. PNC put holds on each of the deposits, and I had to call customer service EVERY time I tried to deposit money to remove the holds. Customer service told me it was because I was trying to use the account before it was 30 days old. Annoying, but whatever. 

Then, this past weekend, XX/XX/XXXXXXXX I could no longer access my account at all. It says the " service is unavailable '' whenever I try to log in. I called customer service and was told my account access had been " revoked '' and was " under review '' and could be for up to THIRTY days. At no point was I contacted or warned that this could or would be happening. I received no communications from PNC. No fraud alerts or anything like that. Customer service insists that my account is still open, but says they have revoked access, so I have no way to see, verify, or use any of my funds for THIRTY days. They refused to let me speak to their escalation department because the representative said there was nothing the escalation department could do to help me remove my account from review. All I can do is wait 30 days and hope my money is still there at the end. That feels like fraudulent and unethical behavior. 

This experience has been SO bad that my husband and I are in the process of closing our other account there. Based on my experience so far, I don't recommend anyone use this bank.
Product: Credit reporting or other personal consumer reports

Chapter XXXX was filed XX/XX/year> and was granted on XX/XX/year>. PNC XXXX XXXX XXXX XXXX was included in the Chapter XXXX, and they have been continuing to report since the final judgement. I would like all the late payments and negative remarks from PNC during the two year period they were reporting to my credit company removed expeditiously, due to fraudulent and inaccurate reporting and its continuous damage to my XXXX credit report.
Product: Credit card or prepaid card

USAA BANK CREDIT CARD still reports late 30 to 60 days on a card from XXXX and XXXX that is closed and will not clear from credit bureaus
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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: Money transfer, virtual currency, or money service

logged into my account citibank, my remaining balance is different from what the bank sees on transactions unfortunately, is no understanding of us looking at the same transactions but me having a different remaining balance. Transactions seems like theyre being posted twice or late there than usual and also the transactions are not adding up correctly with the amount started in my account I even had an ATM spew out no money, complain about it and never received any word back or any investigation. In fact they close the investigation the next day, reaching out to me about anything. The worst part is the customer service. Youll get lucky if you find someone whos understanding and willing to help.
Product: Checking or savings account

Wells Fargo informed me they closed my accounts because I had a XXXX XXXX XXXX as the Physical Address. 

I informed them someone must have fraudulently changed the address on the bank account and for them to cancel the cashiers check. However, Wells Fargo has made no attempted to mitigate risk by cancelling the check. 

For 6 months I have requested records of the physical address history and for them to confirm the Physical Address as seen in my emaisl from Wells Fargo emails. But Wells Fargo has evaded doing either. 

The responses from Wells Fargo that the Physical Addresses on the accounts were XXXX XXXX are unfounded because Wells Fargo has not provided an address history, and the address contradicts its emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 CFR part 1022.42 12 CFR part 1022.43 FCRA 15 U.S.C. 1681 2 ( b ) I have tried unsuccessfully to address this issue with Experian. I have been denied credit with XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted them several times to correct inaccurate information that is being provided and resulting in credit denial. They will not investigate and delete the negative, derogatory remarks. These are not my accounts. 

They are obligated to furnish accurate, prompt, timely reporting and since this XXXX more than ample time has passed. More than 6 months is sufficient time to conduct an investigation.
Product: Student loan

I am trying to pay this month 's ( XX/XX/2019 ) portion of my University loan through Conduent Education, but Conduent 's website has been down for days and I can not make payments.
Product: Credit reporting or other personal consumer reports

This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXXXXXX or XXXX XXXX XXXX  ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Debt collection

My XXXX report lists a collection from XXXX, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.
Product: Credit card or prepaid card

I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$190.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$350.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/2024 Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, transunion has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information. 
Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.
Product: Checking or savings account

On XX/XX/XXXX, my checking account was compromised. Someone other then me deposited a check in the amount of {$6800.00}, through a teller with a fake Florida identification and withdrew {$3000.00} on the very same day. 

Citibank allowed for the check to be processed without properly verifying the identity of the person, Citibank already made the admission the the suspect used a fake identification yet they processed the fraudulent deposit with careless disregard. The check was from a payroll company. Citibank is fully aware that i never worked for the company because i get direct deposit from employer XXXX XXXX and not the company reflecting the check. Upon reviewing the fraudulent check and false identification, Citibank should have called law enforcement instead they handed over {$3000.00} to the suspect. 

It was also out of character that Citibank released {$3000.00} to the suspect, again without properly verifying the account. 

On XX/XX/XXXX, XXXX XXXX made a payroll deposit to my account in the amount of {$1900.00}, on which they kept. According to CItibank they are going to keep my funds alleging that it was my fault for not keeping my personal information safely???? 

It is more than obvious that Citibank made a huge mistake when handling a fraudulent transaction and worse to have kept my payroll funds on which i nearly got evicted because i could not pay my creditors. 

On XX/XX/XXXX, correspondence was sent to Citibank to no avail. I included copies of letters from IRS where it reflects i was a victim of identity theft in the past. Also a copy of police report reflecting that my driver 's license and social security card were stolen when visiting my mothers house located at XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX. See attached copy of IRS letter and police report. Yet Citibank refused to release my payroll funds causing me a great financial hardship when i live from pay-check to paycheck like many in our Country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Product: Debt collection

I filled out a complaint on XXXX XXXX on XXXX  Complaint # XXXX and was seen if yall can send my respond to this email XXXX   cause I cant log in that one to see what they said and really need the complaint feel they just trying to stay on my credit long and show wrong amount owed
Product: Debt collection

They call from different numbers saying give us as little as {$50.00} per month. I have called and asked for them to contact me only in writing, but they continue to call me.

First message was Hello, this is XXXX from Forest XXXX. I'm contacting you regarding your collection account. We have payment options available to help you get your account back in good standing. Please be aware that if we do not receive a response from you, we will consider it as a refusal to comply and further actions will be applied. In case you need to contact us, please reach out to us at XXXX. Again, that's XXXX. Thank you. 

Today after my request, the message was As little as {$50.00} per month on your collection account with Forest XXXX XXXX. Please visit pay.XXXX  for payment options. 

They spoof numbers from local areas and it needs to stop.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/2024- The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX The following inquiry was not authorized and should not be reporting.
Product: Debt collection

Despite being supplied information to the contrary, Ditech Financial LLC continues to attempt collection of a debt that was defaulted on by the original creditor. Ditech Financial LLC continues to report this debt to ALL major consumer reporting agencies. 
This debt was previously held by XXXX XXXX XXXX XXXX and it was extinguished in XXXX XXXX Case XXXX. ( Documentation attached XXXX Ditech Financial LLC has been emailed these details by our attorney, yet still persists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Product: Payday loan, title loan, or personal loan

I because a client of XXXX  XXXX, in XX/XX/2020 when I had a sewer problem in my home. XXXX  got me finance with XXXX XXXX. On XX/XX/XXXX, my account was transferred to Concord Servicing. Today I called Concord to get information on how to create an account so I could pay my bill, since I had not received any kind of communication from them. My payment is due on the XXXX of each month and I did not want late charges on my credit report. 

I was given a new account number and Web info to log in. ONCE I GOT IN TO PAY MY BILL I NOTICE THAT THERE IS A {$5.00} FEE FOR USING YOUR CHECKING ACCOUNT. THIS IS THE ONLY WAY THAT YOU CAN PAY YOUR BILL. NO CREDIT OR DEBIT PAYMENTS. I never paid a fee with XXXX, so why is Concord charging this extra fee and why can't I pay with my credit or debit card ... This is a rip off and I have excellent credit.
Product: Vehicle loan or lease

my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me
Product: Debt collection

They Deleted the information from the credit Bureau and put it back on there. I spoke to them to validate the debt owed they told me the total but could not explain how the fees came about. They said the information was protected under the HiIPPA. If this is the case then how can they say I owe them if they can't give me detailed information on how this debt was created?