23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems is reporting fraudulent information on my credit report. I did not sign any renewal agreement with the rental property listed on my credit report. I have never been notified of the debt, and I have disputed the matter. The dispute was closed and the credit reporting agencies have simply listed that I disagree. My co-signer, at the time, reached out to inform me that the property I used to live in sent a balance to collections. She then requested they verify the debt. National Credit Systems sent my co-signer an itemized breakdown of the balance owed. Our rights have also been violated in requesting verification of the alleged debt. Based on 1006.34 ( c ) ( 3 ) ( v ) - They did not provide any documentation showing that I signed a lease with the property listed. They did not provide any information on how to dispute the matter, and they did not provide insight on the appropriate address to send disputes to. They also did not provide insight on how to request the original-creditor information electronically. This validation was sent electronically in 2019!! It has been a horrible experience to have my information stolen and misused by a property. Please help! National Credit Systems has failed to provide accurate information and I really need assistance in resolving this matter!
Product: Checking or savings account

On today XX/XX/2022 I went to your PNC Branch XXXX XXXX XXXX XXXX XXXX  Pa XXXX. And upon my entrance I was given a mask from the front desk Customer Service Represenative stating that Masks are mandatory at all PNC Banks however the XXXX female customer in front of me did not have a mask on and neither was she told to put one on. Sadly theres been nothing but complaints against this ridiculous neighborhood Bank which had improved but now theyre back to their poor misconduct. And if this continues our XXXX XXXX XXXX will request that they be removed from our community
Product: Checking or savings account

On XX/XX/XXXX my Bank of America Account was accessed without my consent thousands where stolen from my debit card money from my XXXX and XXXX accounts was transferred into my Bank of America account and then it was stolen multiple transactions where made none of them by me I made a claim with Bank of America and it was denied I need help returning my stolen money
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I received a loan through XXXX and thus through Bridgecrest for financing of a XX/XX/2021 XXXX XXXX. I did not receive a statement in the mail for this and when i went online I was unable to find a statement. I contacted Bridgecrest customer support and was first told they do not provide statements and they do not mail as they are all online. I said this would most likely be a violation of 12 CFR 1026 and was directed to another agent who first told me that they did not do statements, then told me they emailed me one on XXXX XXXX. I pulled up the email and it was a reminder my first payment was coming up but there was no statement attached. I was put on hold and then the agent came back and said i would receive statements in the mail and that i would be emailed the current statement for my payment due and I was never emailed that statement.
Product: Credit card

On XX/XX/2023, I signed up for XXXX XXXX XXXX, XXXX ( a service NOT a good ). While on the phone with XXXX, the sales XXXX XXXXXXXX, stated on the recorded XXXX call and via email that I would be subject to a money-back guarantee if I did not earn XXXX in income while in the program if I completed all tasks required. Per my XXXX XXXX XXXX, XXXX contract as stated in section 1 : SERVICES, which is attached and highlighted ( XXXX XXXXXXXX GUARANTEE : *Company guarantees that Client will generate at least {$15000.00} in total gross revenue while inside this Program ). I have done everything my contract has required and beyond, and I have not reached XXXX in revenue to date and would like/ask that the money-back guarantee be enforced. Again, this is a service and not a good one. All information about the money-back guarantee is located on pages XXXX ; I have highlighted that information. I have attached all other proofs in the previous claim. Please let me know if you need that info again, and I will gladly resend it. The rep on the phone just advised me to send the contract and highlight the money-back guarantee portion. According to the FTC, this fraud is considered fraudulent/deceptive business practices, and the charge should be treated as fraud. I have reported this to the FTC and XXXX
Product: Credit card or prepaid card

A card was applied for in my name on XXXX for Barclays XXXX I received the card in the mail. I contacted them and closed the account. All of the info matched but I did not apply for this card. I also received a notice that another card was attempted to be applied for from XXXX that a card was applied for on XX/XX/27 but was not approved because identifying information did not verify. The card from Barclays was a hard hit on my credit report. I have contacted XXXX and was told I had to send them a copy of the report from the Federal Trade Commission with my DL and SSN for the hard hit to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Truist, previously SunTrust XXXX XXXX XXXX. Since truist took control of whenever I deposit a check they would hold my checks, every single check and then continuously charge we overdraft fees when a transaction comes in. By the time the hold is released 60 % of my deposited funds are being eaten up in overdraft fees. I'm tired of complaining to them, and they say that they will fix the problem and refund the overdraft fees but they never do and it keeps happening. I never had an issue with SunTrust, back in XXXX of 2022 they even closed my account without informing me, and held my funds for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX and receiving suspicious emails around XX/XX/XXXX pertaining to activity on my account that had not occurred. In XX/XX/XXXX I received two emails simultaneously. One stating that XXXX had received my request to close my account and one that it had been closed. I called and spoke with an agent who told me my account had been closed the previous XXXX. I explained that was incorrect as I was currently using it and paying it. However, due to this, I paid my current balance and made sure it was closed and signed up with another company for security reasons. That was the end. 

This morning I received a notification that I had new collection on my credit report from radius global solutions pertaining to XXXX. I have not received a call or letter from either company in reference to any balance due. This is insane that these companies just decide you owe something out of nowhere with their backwards data and go immediately to your credit report not caring how it impacts your life.
Product: Money transfer, virtual currency, or money service

My western union check was stolen and cashed at a XXXX XXXX XXXX XXXX. I need assistance with obtaining the XXXX that was stolen. XXXX XXXX knows who it is. I need your assistance to retain this stolen money
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate on Experian report, the " last day active '' is inaccurate on XXXX and Experian and even the " date of last payment '' is inaccurate on both bureaus. I have disputed this multiple times with XXXX and XXXX and everything has been coming back the same for every time I dispute. I was sent a letter from XXXX which is the account that I have been disputing. I attached to this case, so you will see in the different exhibits that I have tried to rectify this and they keep stating that they have did their extensive investigation. If that's so why is the letter from XXXX giving a different last date active, last date of payment and the open date of this account. This letter from XXXX is actual and factual source. Like I said, the bureaus did not do their due diligence. This is a ground for REMOVAL IMMEDIATELY. The consumer reporting agency have an obligation according to 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also have : 15 u.s.c 1681 section 602 A I have a right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on Experian and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
XXXX ACCT # XXXX I ATTACHED 1099C, CREDIT REPORTING FROM EXPERIAN AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive my free annual credit report online and I ordered it over 2 months ago by phone and to receive it by mail and I still have not received it. I ordered it again by phone today.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer report on my credit report that does not belong there. The consumer statement says that no past due or collection should be reporting a balance and I do not want it there because I do NOT HAVE any negative Items or lasts due items on my credit report and I have disputed it million of times and it has said that it has been deleted but it is still reporting on my credit report and it needs to be deleted right now and also there is a inquiry that needs deleted along with other ones that were deleted for the pentagon fed inquiry and it needs to be deleted now
Product: Credit reporting or other personal consumer reports

XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : CBNA ( BANK ) - INQUIRY DATE ( XX/XX/year> )
Product: Checking or savings account

Deposited a physical check in person at Chase branch. Account on hold for 10 days while they verify the issuer of check. Check still has not been verified after 16 months. Get same information each time I call, Chase says the will just call and verify with the issuer of check, they never verify it. I dont think I will ever receive my money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request that only accurate, complete, and verifiable information be reported. The following names, addresses, and employers on my report are incorrect and must be removed immediately. 

1. Incorrect Names to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and only legal name is XXXX XXXX. 

XXXX. Incorrect Addresses to Remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. Incorrect Employers to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Legal Basis for Removal : Per the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. If any of the disputed information can not be verified, it must be deleted. I request that you immediately : Remove the inaccurate names, addresses, and employers from my report.

Provide a written confirmation of these removals.

If you choose not to remove any of these items, provide me with documented proof of verification, including the source of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

the folowing accounts XXXX # XXXX {$1700.00}, XXXX XXXXXXXX # XXXX {$3600.00}, XXXX # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX # XXXX {$33000.00}, XXXX  # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you
Product: Debt collection

This company is reporting that I owe them money to which I asked them on multiple occasions to validate the debt so I can take care of the issue. They have yet to send me any contract, or methods of validations to prove that this account is indeed mine.
Product: Credit reporting or other personal consumer reports

The company responded to my first complaint on file with the CFPB. They gave a lengthy statement on why they are not reporting the correct information on my report ( the balance and payment amount are being reported incorrectly ). 

In reviewing their response, the reason for not reporting the information correctly is doesn't seem correct. They say that a loan I paid off was included in my consolidation loan. Therefore, I have " consolidated '' - meaning an entirely new loan. Upon consolidation, I voluntarily lose benefits of subsidized and subsidized loans so reporting the two separately should not be an issue. 

Moreover, why can't XXXX decrease my balance on reporting? My loan statement is correct and only reports one group - Group F. One loan!

I think this reporting issue they have internally should have been resolved by now - it has been a year. 

I am providing their response to my first complaint and their own monthly loan statement. 

Their problems taking loans from XXXX XXXX and XXXX ( note the XX/XX/year> date ) is their issue and is affecting me and I am sure more borrowers. 

I have been patient on this- I waited nearly a year to call the company about this as I recognize the restart of loan servicing due to pandemic issues created issues for us all.
Product: Checking or savings account

I am writing to formally file a complaint Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient sufficient funds when transactions settle with were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit union for similar practices where transactions settle with insufficient balances despite balances despite initially available funds funds. I believe these practices are unfair and request an investigation into into my account transactions
Product: Debt collection

palm beach credit adjustments is not my account its a paid account being reported on my XXXX credit report
Product: Credit card

I was involved in a business scam and submitted a dispute with Wells Fargo. The dispute was declined and it was suggested the charge was valid. I escalated the case to the executive office for review and reiterated the cause particulars of the business scam which resulted in a {$2600.00} charge to my Wells Fargo credit card. It has been more than 90 days and the executive has not responded to my business scam complaint.
Product: Credit reporting or other personal consumer reports

Equifax Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? Equifax has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named Josh who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX toddy being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my equifax report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


XXXX dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at XXXX need to verify whats stopping things in the backend and communicate those directly to myself & Equifax as well.
Product: Credit reporting or other personal consumer reports

XXXX inaccuratly reported my XXXX XXXX XXXX  balance as increased by {$1000.00} which dropped my credit score. My balance on my XXXX portal is accurate and never shows a balance increase, as my balance has never increased. My credit report shows XXXX inaccuratly reported my balance as increased to {$1000.00} higher than my actual loan balance. 

I have been unable to get ahold of XXXX directly due to long wait times on the phone. Today, on XXXX, I submitted a dispute with experian and a complaint with the XXXX XXXX XXXX requesting this error be corrected.
Product: Checking or savings account

I had an account with Wells Fargo, I was scammed out of almost XXXX XXXX dollars they sent me a check and told me it was for a private shopper for me to cash the check go to the store and get XXXX XXXX XXXX XXXX and send them the numbers on the back. 
I did then the bounced the check and drained the money off the cards and Wells Fargo refused to refund my money they took my entire check every month and I get a check once a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multipl e Inquiry Remo val Letter to EXPERIAN on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to (  XXXX   ) in quires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( 4 ) da ys after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.