23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that XXXX or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section XXXX ( b ) ( XXXX ) or the circumstances described in section XXXX ( b ) ( XXXX ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

My name is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

I received financial recommendations in XX/XX/XXXX by my personal banker, XXXX, at the Chase Bank located at the XXXX XXXX XXXX and XXXX XXXX branch in XXXX, WA, which entailed opening a Private Client account ( linking checking and savings ) with an inheritance I received from my mother 's estate. 

In XX/XX/XXXX, I had a large tax bill which dropped the balance of the savings account below the threshold for this particular type of linked checking/savings. 

I continued to receive emails from Chase which discussed my financial options available to me through said Private Client accounts. 

I did not discover until XX/XX/XXXX, that my checking account was being charged {$35.00} a month as the saving account 's balance had dropped below the $ XXXX threshold for this particular type of linked accounts. 

XXXX, my banker whom I had been working with since XXXX, told me that I should come in and we would change the type of account I was in, thereby, getting rid of the XXXX XXXX monthly service fee and that she would refund me the accrued service fees back to XXXX when the savings account balance went below XXXX. She said there was no rush. 

Life, unfortunately, intervened and I was never able to circle back to XXXX until XXXX of XXXX, when I learned that my XXXX XXXX XXXX and XXXX XXXX branch had been closed and that XXXX had transferred to a Chase branch in California! 

I hooked up with another Chase branch, XXXX XXXX and XXXX XXXX XXXX, and they have refused to honor the agreement XXXX committed to in XX/XX/XXXX. The new branch manager, XXXX, refunded XXXX month 's worth of fees. 

This is a fee accrual of {$350.00} ( 10 months ) which I feel they should refund me, as I was not notified that these fees had been triggered, and my personal banker of long standing, XXXX, had relieved my concern regarding the accumulation of these fees by committing verbally to sort this problem with me. As XXXX had always been a reliable financial partner, I had no reason to feel that this would not be resolved. 

This Chase checking account is used only to receive my XXXX direct deposit and my rent payment. Therefore, my eyes on this account are pretty much non-existent as there were only XXXX transactions happening in this account every month. 

I believe that Chase should be compelled to honor the remittance of the service fees as my banker, XXXX, laid out for me, in addition to, compensating me for my time lost while trying to resolve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX - classified on report as rental or leasing - amount owed XXXX amount XXXX. I assume no liability or responsibility for this account. my information was exposed in Equifax data Breach as a result i have had identity theft and accounts appearing on my equifax credit file that is not mine. 
I requested this item be blocked by equifax in XX/XX/year>, equifax denied request even though i had FTC ID THEFT REPORT WITH DISPUTE, i then asked equifax for A METHOD OF VERIFICATION WHICH I WAS TOLD I COULD NOT BE PROVIDED TO ME. 
XX/XX/year> equifax recieved yet another FTC REPORT REQUESTING TO BLOCK XXXX XXXX XXXX DBA XXXX XXXX FROM MY FILE. THIS REQUEST HAS ALSO BEEN DENIED. 

I am reporting id theft from the equifax breach and equifax refuses to assume responsibility and up hold my request. I also requested ALL REPORTING FROM THIS CREDITOR CEASE AND EQUIFAX STILL ALOWS THIS COMPANY TO REPORT MY ON MY FILE AND HAVE ACCESS TO INFORMATION WHICH I HAVE DENIED THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I h

ave contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Product: Debt collection

Enhanced recovery is trying to collect a debt of {$1400.00} in regards to XXXX XXXX XXXX. The debt is not mine what so ever. I have asked this company to prove in writing that the debt is in fact mine but they have failed to do so. I feel as if I am being harassed by this company and it is unfavorite they are trying to take money that I dont owe. I would like for their derogatory remarks that they placed on my credit report to be removed along with the collections.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate XXXX XXXX XXXX  ( XXXX
Product: Credit reporting or other personal consumer reports

I checked my XXXX, XXXX and Experian credit reports and immediately identified 2 XXXX XXXX  credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit card or prepaid card

In   XXXX   XXXX   Chase approved my application for the  XXXX   XXXX  credit card and I added an authorized user. In   XXXX   XXXX    ,  Chase  charged me a total of {$520.00} annual fee, which was {$450.00} for me and {$75.00} for my authorized user. Please see attached  XXXX  statement. In   XXXX   XXXX    , I paid the annual fee. Please see attached  XXXX  statement. In   XXXX   XXXX    , Chase closed my credit card. In   XXXX   XXXX    , I asked Chase for a refund of the {$520.00} annual fee and Chase refused. Please see attached correspondence.
Product: Debt collection

I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it  shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX. 
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them. 
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.
Product: Credit card

When my BOA credit card ending in XXXX was renewed and activated the bank added a virtual card which is attached, unbeknownst to myself, and sent me a notification that account ending in XXXX would be accessible in the XXXX section of my account. 

What right does boa have to add another form of credit without my knowledge? 
Why was I not given the option to " opt out '' when renewing the card? 

And to top it off with all of the confusion and because I received XXXX codes and did not give them the proper code when they were trying to validate me, they could not cancel the virtual card over the phone, and would not use my husband 's phone number because he wasn't on the account. 
The amount of time and stress this has caused is beyond belief. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

The consumer reporting agency TRANSUNION LLC is in several violations of the FCRA and METRO 2 COMPLIANCE for not conducting a proper investigation and REMOVING INACCURATE DELINQUENT accounts on my consumer report furnished by the following companies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as INACCURATE COLLECTION ACCOUNTS FROM DEBT BUYERS I DONT OWE furnished by - XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX that I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed accounts referenced above which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. Within each account referenced there are furnished late transactions that are not verified VIA BANK STATEMENTS on closed accounts which is a violation of 15USC1666 ( B ) and 15USC1681a ( 2 ). TransUnion needs to remove the inaccurate data described in all of my notices included in this complaint that are displayed in from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which I've included all my notices sent to them in the attachments below! It is this agencies obligation to report accurate data on my credit report and for them to not conduct an investigation and simply ignore my notices is absolutely OBSARD considering how their actions with no integrity effect the livelihood of my family and I.
Product: Checking or savings account

I have a PNC business checking account. After transferring the funds from that, I sent one email to local branch manager, XXXX to close the account on XXXX XX/XX/2022. I tried calling PNC business account customer service but it was a seriously long hold time ( around 35+ minutes ) and thus i sent an email to XXXX regarding closing the account. But it seems that XXXX couldn't action the closure and PNC charged my account {$10.00} fees on XXXX XX/XX/2022.
Product: Student loan

Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.
Product: Debt collection

I called and the voice response system requests an account number but I don't have one. It asks for the last four of my social then says there's no account associated with my social security number. I left messages but don't get a call back.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX ) Account # ( XXXX )
Product: Student loan

5 ( or more ) years ago I worked with Navient to not only obtain an affordable Student Loan payment but also put my Federal Loans under the Public Service Loan Forgiveness program. I've been under the impression since that time that I was working towards the PSLF. I have worked for a non-profit organization for 13 years now. I have continued to make on time payments. I contacted Navient this morning to inquire about how many payments I had left to obtain the forgiveness. I was informed at this time that I am not in the PSLF and that I do not have the correct loan type to be in the program. Navient deceived me into believing that I was signing up for this program when in fact I didn't even qualify at that time. They did not inform me that I would need to re-consolidate my Federal Loans into XXXX XXXX nor did they tell me this was even option. I have now been told that I will need to continue to pay at my current Income Based Repayment level for another 20 years ( making the full life of my loan 33 years ) OR re-consolidate and restart the clock on my 120 payments.
Product: Credit reporting

XXXX XXXX XXXX is closed. The bank no longer exists. I had a secured credit card with the company and they folded in the middle of the account. They took my money and I could n't contact them. I found them years later and disputed it. They sold the account information to capital bank which is also on my report and capital bank re-aged and opened accounts with no proof of contract or nothing. XXXX XXXX XXXX is no longer in business and legally if they are not how can they report on my credit report? I need a answer in writing or some kind of proof that says that is legal. They also kept {$200.00} and the {$50.00} or something to open the account. 
This is the XXXX complaint
Product: Debt collection

BSI Stole from escrow {$1000.00} additional dollars claiming to pay PMI. BSI has been notified multiple times of the stolen money from my escrow. They paid PMI {$300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$1500.00} when it should have been {$510.00}. BSI has refunded my account XXXX and {$510.00}. My escrow account is owed an additional {$200.00} that has been STOLEN by BSI and they are now trying to collect from me. When you charge someone three times the amount they owe you MUST return the two times that did not belong to you. BSI refuses to return my full amount and have stolen the money. I want my FULL escrow refund of {$1000.00}. This is the third time I have filed this complaint when will something actually be done?
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud an their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations>
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 6 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report.

I noticed these inquiries dont have permissible purpose and according to FCRA it must have permissible purpose and according 15 USC 1681 B XX/XX/XXXX - Capital XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX Branch via XXXX Bank XXXX have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine XXXX 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach and according to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), a data breach report can be used to permanently delete fraudulent accounts from appearing on my credit report. I contacted the FTC and filed a complaint.