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

My mother, XXXX XXXX, who's an elderly senior woman had {$6900.00} with XXXX XXXX ( account number : XXXX ) that allegedly went missing because it was somehow withdrawn by me, XXXX XXXX, her son, who's listed on this account as a Minor. We recently spoke to two different PNC Banks in the XXXX XXXX, Illinois area, to help us figure out what happened to the money, but on both occasions the managers there stated they didn't have access to the records even though PNC Bank acquired XXXX XXXX. The manager at one site suggested writing PNC Bank headquarters because there wasn't an email or phone number to use, so a written letter was mailed to PNC Bank Headquarters. An agent of PNC Bank by the name of XXXX XXXX, Retail Escalation Manager, states letter was received on XX/XX/2019. However, no statement of effort was made in the reply about where the money went or what PNC Bank is doing to find the lost money besides Mr. XXXX stating he wants to talk further over the phone. The correspondence received from Mr. XXXX, dated XX/XX/2019, doesn't ask about what other details they may need, if any ( which we already provided to his colleague over the phone anyway ), or, again, what they're doing to resolve our concern. 

It appears my mother was a victim of elderly fraud and we hope PNC Bank has an ethical responsibility of helping my mother who's an U.S. citizen with limited-English proficiency. 

Any help is greatly appreciated in closing this matter in our favor. 

Thank you for your time and consideration. XXXX bless!
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally submit a complaint regarding a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) associated with the reporting of my personal medical information on my credit report. Account number : XXXX TransUnion is reporting an account from XXXX XXXX XXXX that contains sensitive medical information about my health status and treatment. This reporting was done without my consent and is in violation of HIPAA regulations, which protect the confidentiality of patient information and restrict the unauthorized sharing of medical records. 

Request for Action : I request the immediate removal of this account from my credit report, as its presence constitutes a violation of my privacy rights under HIPAA. The continued reporting of this information poses significant risks to my financial and personal well-being.

Impact : As a result of this violation, I have experienced emotional distress, difficulty obtaining credit, and other consequences I urge TransUnion to take immediate action to delete this account from my records and ensure compliance with HIPAA regulations. Please confirm the deletion of this account and any other actions taken to rectify this situation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the fraudulent account on my credit report on XX/XX/XXXX. It appeared on my credit report on XX/XX/XXXX via the Experian Credit Bureau. It stated that my account was 90 days passed due, that I owed {$3500.00}, and that the account was opened on XX/XX/XXXX. I called the number on the credit report and it lead me to XXXX, an Institution that I never heard of, they had no record of me based on my Social Security Number and my name. I have restoration services from MyIDCare and they verified that I had no account with XXXX ( XXXX XXXX XXXX XXXX XXXX ). They started a dispute on my behalf. I then received the results from Experian on XX/XX/XXXX stating that the information was accurate. I called my restoration team but have not been helped from then since. I called XXXX again and they told me once again that they had no record of me. They said that the company XXXX ( XXXX XXXX XXXX ) handled their accounts. I called them and they also have no record of my SSN. I called XXXX once again and was told that the account was from XXXX. I called XXXX and they have no record of my SSN. They did not want to give me more information on the account. I also noticed that Experian had a different Social Security Number that according to them was a " variation '' of my Social Security Number that they associate with my account. The SSN variation they have is completely inaccurate and is not even close to mine. When I attempt to call Experian I get put on hold for 10 minutes and then they hang up. This is not my account and Experian is the only credit bureau that seem to know of this account. XXXX and XXXX don't have it. I suspect this to be a mistake from Experian. I have no documents to upload because none of the companies that Experian states as accurate information have any record of me.
Product: Credit reporting or other personal consumer reports

I was requested by XXXX a supervisor for Transunion and she stated if I sent the affidavit the account would be disputed and handled nothing like that I had to call and the agent told me that the file was rejected because of possible credit repair lab never got a letter or notification of this now transunion will not process my request as also the same XXXX from XXXX and XXXX from XXXX this is getting agravating and I am tired of the run arounds
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Opened a CitiBusiness AAdvantage card on XX/XX/2020. There was a sign up bonus offer of XXXX XXXX XXXX miles if I met the minimum spend of {$4000.00} withing 3 months. I met the spending threshold within the 3 months ; I never received the signup bonus. I have spoken with Citi on 12 occasions to discover and remedy the problem. Citi bank claims I already received this sign up bonus, but they have confused my business with my XXXX XXXX  business since we operate out of the same address. I eventually got their business team to agree that they made a mistake, but it appears someone on their side " dropped the ball '' any they are still refusing to award my bonus.
Product: Credit card or prepaid card

On or about XX/XX/18 I noticed my XXXX XXXX checking account was overdrawn a little over {$900.00}. A review of the debited amounts showed I paid Chase Bank Creditcard {$3700.00}. This is incorrect. I paid {$170.00} on XX/XX/18. When I called Chase, I was told it was a " posting error '' and they would reverse the amount, excluding the minimum payment due of {$160.00}. I then called XXXX XXXX and explained what happened. They had taken funds from my checking, savings and a XXXX XXXX credit card to satisfy the {$3700.00}. In addition, they charged a number of overdraft fees for this and other automatic payments that I have set up for various bills. XXXX said they would initiate an investigation. A few days later I received a letter, dated XX/XX/18 from XXXX ( copy attached ). I thought the matter was resolved until I received the attached letter from Chase dated XX/XX/18. I called them & spoke to XXXX at the number listed on the card. He transferred me to a Supervisor named XXXX in XXXX, Florida, who told me they returned the {$3700.00} twice, in error. The problem is I only see one refund amount for {$3700.00} on my bank statement. I don't know where they sent that money, but it wasn't to me. In addition, they've added that amount to my balance and now show that I owe {$7300.00}, which is over the card limit of {$4000.00}. 
Any assistance you can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an 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: Checking or savings account

I went to make a withdraw from my account. I gave the teller my photo ID which is on file. I asked to withdraw the amount which would have left a balance to avoid fees, giving the teller a very close amount. I was than asked for a debit card. I explained I was never issued XXXX. I was than asked to access a password from my cell phone. I use a land line. I was denied access to my funds. I came back home and gathered my bank folder and went to another branch. I went to close my account with the bank issued check given to me when I opened the account and yet again was denied access to my funds. I explained when I opened the account that I do not do online banking and that did not seem to be a problem when I was depositing funds. The sudden need for a password on line was not shared with me until I wanted to withdraw funds. I have since tried to call XXXX customer service #. First took my complaint but offered no solution. It was not at all professional I had to ask the rep to repeat twice because of laughing in background. I couldnt get through to the second because it asked for a debit card # which I was never issued, and had no other options. I tried to reach out to XXXX other branches but both mangers were to busy to take my calls. This interest rate is now considerably lower and not being able to move my money is costing me money
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from XXXX XXXX. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
Product: Student loan

I called HESAA in New Jersey XX/XX/2018 about a late bill I got for my student loan. It had been in deferment with XXXX. XXXX sold it to HESAA and HESAA never sent a payment voucher and put me in default. I began payments right away and was told by the HESAA agent that 4 consecutive payments would remove the default status. I called yesterday to check the status as I am close to the 4 payments, and after their phone system disconnected 6 times I got an agent. She said the loan will never go out of default even though my payments are current. I was told a lie. And this makes no sense to me a stops me from applying for grant money.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation.

Statement of Pertinent Facts : On XX/XX/XXXX case # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Experian with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 
Despite this, Experian failed to block the disputed items within the XXXX business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Experian 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 
Legal Basis for Complaint : XXXX. Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within XXXX business days after receiving proper documentation. Experian 's refusal to comply with this requirement constitutes a direct violation of federal law. 
XXXX. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : Experian 's failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 
XXXX. Precedent Case Law : o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 
o XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 
Summary of Noncompliance and Violations : Experian 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Experian 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit card or prepaid card

I received a letter from Citi XXXX XXXX  XXXX XXXX XXXX, SD XXXX stating that I was incorrectly charged XXXX on my citi cash returns world master card account and that I would be receiving a check in that amount in 14 days. The check did not arrive in XXXX so I called and was told it would be taken care of within 2 weeks. The check did not arrive within 2 weeks so I called again and was given the same message. By early XXXX the check still did not arrive so I called and asked for a supervisor who assured me that the check would arrive in 2 weeks. It is now  XX/XX/XXXX and there is no check. The 800 number on the letter and credit card is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX o Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous addresses on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX, Suncoast credit, XXXX XXXX  )
Product: Credit card

Zip told me there is not dispute process multiple times. XXXX wa the final supervisor who denied my dispute and then told me they did a full investigation. I have call recorded with her helping to violate my rights. Saying that the merchant who will not respond has given a solution which was saying sorry and thank you for feedback. Zip did the same thing and refuses to open a dispute and wants me to go to merchant even though they won't reply. They are talking in circleyi have multiple emails and phone calls recorded of them denying me information and any form of recourse. Even told them what always bey were violating and they simply would not acknowledge anything or my concerns. I want to press charges or file a suit
Product: Mortgage

XX/XX/XXXX closing. XXXX mortgage amount .The process started several months before date of closing. we were told that our FHA mortgage would have to have PMI and after 5 yrs or 20 % equity, the pmi would fall off. Apparently the rules changed on XX/XX/XXXX that year and we are locked in to paying for the life of the loan. I feel that we were misled and coaxed into signing for the pmi with the impression it would fall off. I also feel since our loan process started long before the change we should be held to the original parameters of the pre- XX/XX/XXXX fha guidelines. 

This probleme came evident when discussing whether to refinance or not because we were coming up on 5 years/20 % equity.
Product: Credit card or prepaid card

A charge for {$370.00} was made on XX/XX/XXXX at a Kohl 's store in California. It was a fraudulent charge as I live in Massachusetts and was not out of state at that time. I received an email from Kohl 's on XX/XX/XXXX that my card statement had a balance. I called to submit a fraud claim and also close the account. I never heard anything back from Kohls and did not receive a letter. The charge remained on the account. 

I called again on XX/XX/XXXX and was told the first fraud claim had been closed for some reason. No notes were entered as to why. The woman I spoke with opened a second fraud claim at that time. As of XX/XX/XXXX, the charge is still on my account and I was told by the customer service rep, that since it is more than 30 days overdue, the credit bureaus were probably already informed of the late/missed payment. 

I think this is ridiculous and this should have been fixed long ago. The fact that my first fraud claim was erroneously closed should prompt Kohls to work to quickly resolve this issue. I have had excellent credit all my adult life and I really don't need this to XXXX it up. Each Kohls rep I speak to tells me something different so I really don't know who to believe anymore.