23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife and I have a joint Chase XXXX XXXX card through Chase Card Services. We pay our bill in full every month and maintain outstanding credit. 

Over a period of three ( 4 ) days -- XX/XX/XXXX -- 8 unauthorized charges were made on our card at XXXX. When we received our XX/XX/XXXXXXXX statement, we immediately notified Chase of the issue and were told the amount total due of {$810.00} would be placed into dispute and we would not be responsible for the charges, pending their investigation. The account was shut down to future charges and we received a new account number and credit cards. 

In a letter dated XX/XX/XXXX from Chase, we were informed that the investigation had led Chase to conclude that the charges were indeed ours and were being placed back on the card as valid. Immediately, we contacted the Chase Fraud department by phone and were assisted by XXXX XXXX. She advised us to assemble all pertinent information, including any " hard data '' that was in our possession that would clearly show the charges to be fraudulent. We did that and at the direction of XXXX XXXX forwarded all of this via email to a XXXX XXXX XXXX, a supervisor/manager in the fraud division and a long time employee of Chase ( verified via XXXX profile ). 

Ms.Crite indicated the {$810.00} would be placed BACK into dispute and again, we would not be responsible for the charges until further review. 

We heard no response from XXXX XXXX or XXXX XXXX directly after this phone call. On XX/XX/XXXX we received another letter from Chase stating " We confirmed that the disputed transactions were valid ''. This letter was signed by a " XXXX '' and direct phone number was provided. Despite leaving messages, our calls to XXXX were not returned. 

Further, when we received our credit card statement dated XX/XX/XXXX, there were interest charges due to the lack of payment of the amount in dispute. 

Phone messages have been left for XXXX XXXX at her direct number. No response has been received as of XX/XX/XXXX. As stated earlier, messages to " XXXX '' have been ignored. Follow emails sent to XXXX XXXX have not been answered or responded to in any way. 

It appears that Chase is simply ignoring this matter in the hopes that we will pay the {$810.00} and go away. We will not. We are prepared to hire a private attorney to investigate this matter to its fullest extent. 

Any assistance that the CFPB can provide would be greatly appreciated.
Product: Checking or savings account

PNC Financial Opened a Checking and Savings account, and Installment loan, and a credit card in my name without my consent back in XXXX, and XXXX I believe. I contacted PNC Identity Theft ( Fraud Department ) To Advise that I was a victim of identity theft. I did not apply for any checking/savings or Loans or Credit Cards with PNC At anytime. I found out that they had opened accounts in my name because when I did try to open an account with PNC A few months back it said I already had existing accounts. When I spoke to the fraud department, I gave them my address, Phone number, and email. None of which matched the information on file, because again PNC Opened these accounts with stolen information as identity theft. PNC Told me they would research my claim, and would respond when they completed their investigation. Of Course, I never received any documentation. They did not close the accounts, and basically they took my request and then it disappeared. This is a serious issue and I believe I should not be responsible for something I did not authorize or open. I am a victim of identity theft, and PNC Should take my concerns of fraud seriously. PNC Knowingly opened a checking/savings and credit card and installment loan as FRAUD. In my name without me signing any account agreements or receiving any funds. I did not receive any debit cards, I did not receive any statements. The Online banking account would have been fraudulent. I did not register with PNC, I want PNC To conduct a proper investigation as a victim of identity theft, and close all checking savings, loans and credit cards which I did not authorize. I did not receive any service or merchandise from PNC. I am XXXX XXXX, and I do not know what information they used but it does not match my information. Again, PNC Has a legal obligation to investigate the fraud, and I want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report. There are several names and address on my report that is not mine and I have never lived at this address.
Product: Debt collection

I received a credit notification today XXXX that this company has added a collections. However I did not received a right to dispute. I not even sure what they are collecting for as I have not obtain any debt or opened anything in years. This is a violation of my customer rights and illegal to add to my credit report without giving me the option to dispute or even know what this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent over my account to collections ( XXXX XXXX XXXX ) and is saying I have unreturned equipment which was returned to XXXX. I also received multiple refunds in regards to the return of the equipment. I have been trying to take care of this matter over a year and XXXX is refusing to give me my account information to verify anything because they said my account is cancelled. The information the collection agency was given is inaccurate since the equipment had been returned. XXXX sales person offered the equipment and claimed I would have discounts but I was mislead and returned the phones. XXXX is claiming they don't have the phones but its been over a year and they said they won't even contact the carrier to see where the devices could be. I have tried to dispute this with the reporting agencies but it has been no help.
Product: Debt collection

Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.
Product: Prepaid card

I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.
Product: Debt collection

To whom it XXXX concern, I wrote you requesting validation of this alleged debt on the month of XX/XX/2023. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically, the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for you collection of this alleged debt? XXXX. Please send evidence your authorization to do business or operate in the state of ( Texas ) XXXX. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Best Regard
Product: Student loan

I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?
Product: Credit reporting, credit repair services, or other personal consumer reports

As I know and as you, Experian, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Product: Credit card or prepaid card

In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.
Product: Checking or savings account

Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX This information is incorrect, I was never late on this account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXXXXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried reaching out to Experian about this issue but they refuse to verify this account or delete it. I have express to them multiple times that this XXXX  XXXX XXXX account does not belong to me. I have provided documentation to Experian showing this account doesn't belong to me. Also the account claims to have a billing address that i have never lived at as you will see on my credit report. Also I have a letter from Equifax showing the account couldn't be verified seeing as though I have never lived at the address the company is reporting. Seeing as though Experian is still reporting this account I can only assume they are just reporting the account because they are getting paid to do so, because I have provided more than enough documentation to show this account does not belong to me. Meanwhile, Experian has not provided anything showing this account is mine. Furthermore, I will have no choice but to present this information to the FCRA, and other state and federal courts if Experian still refuse to delete this account. The last thing i want to do is get the courts involved, but I will if i have to.
Product: Debt collection

I received a collection notice, sent a request for validation on XX/XX/. They received it on the XXXX XXXX XXXX. I have acquired additional fees according to my credit report since then. Pursuant to FDCP Act, 15 USC 1692g they were supposed to cease any and all collection activities during the 30 day investigation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, XXXX XXXX ] XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear TransUnion, XXXX, and XXXX, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued.

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Mortgage

almost XXXX years ago i paid a group called XXXX of XXXX CA, almost {$2000.00} to obtain a HARP loan they didnt get me my loan but gave the paperwork to XXXX WHO SOLD IT TO GREEN TREE LOANS WHO I HAVE THE HARP LOAN WITH NOW but during this time i aome how had a {$15000.00} adjustment add to my loan of {$90000.00} so now i owe over {$100000.00} on my house an the balance showes {$85000.00} i want to sell my house but it only appraise for {$92000.00}. i had a off er of {$90000.00} then found out about the extra {$15000.00} attached to the loan an can not get any answers from anyone about the extra {$15000.00} what do i do?? thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit file has been on a freeze with Experian for a while now and these 6 hard inquiries on my credit report I do not recognize or gave anyone permission to pull my credit report can you please remove these 6 hard inquiries from my credit report : XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also, I have attach a Identity Theft Report to my CFPB complaint on the second section!
Product: Consumer Loan

While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.
Product: Mortgage

Nationstar was supposed to perform a deed in lieu for my property on XXXX XXXX, 2015 and I vacated the premises and moved and as of today XXXX XXXX, 2015 they still have not taken the property. My insurance company XXXX refused to insure the property since it is not occupied. I need to have to taken care of so I can move on.
Product: Payday loan, title loan, personal loan, or advance loan

I would like to file a formal complaint against BHG financial. I applied for a loan with BHG financial in XXXX. I received four emails from BHG during the entire process. These emails range from welcoming me to the process, letting me know that my application was being reviewed, also asking for me to give BHG a call to provide additional information, and an email showing me how much my monthly payment would be once the loan was approved. The communication stopped and I called twice to get an update on the status of my loan. On the second call I was informed that my application had been denied. I also was told that I would be receiving the reason why my loan was denied in the mail within 10 business days. BHG financial told me that the letter was mailed out on XX/XX/XXXX. XX/XX/XXXX, I still have not received the adverse action notice letter in the mail. So I called BHG and spoke with XXXX on a recorded line to inquire about the adverse action notice and was told I needed to allow the 10 days for the letter to arrive and after the 10 days I could have the adverse action notice email to me. XX/XX/XXXX I call BHG back because I still have yet to receive the adverse action notice letter in the mail so I was calling to have the notice emailed to me. I spoke with XXXX again, and she completely denied ever stating what she said in our first conversation and said that I needed to now allow 30 days for the letter to arrive. The call was recorded. Please pull the tape and send the transcript of the XX/XX/year> call with XXXX to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT CORP Inquired on XX/XX/2021. An authorized inquiry on my credit report that should be there.
Product: Bank account or service

Some of my outgoing mails were stolen with checks in it. The checks were payable to various suppliers and utility companies. I have been able to locate around XXXX such checks that have been stolen to the tune of {$70000.00}, These checks have been funded by Wells Fargo Bank erroneously. The fraud was not caught by the bank ... i had to report the same. I have challenged the bank about their payment on these checks while the benefactions name was specific to entities like the utility company. 

This has also been reported to the Police and XXXX XXXX. I would like immediate help to have this issue resolved with my Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

Called Upgrade on XX/XX/22 to request a breakdown of my payments, what is going towards principle and interest. I was informed ( rep also spoke to the XXXX ) that they don't provide that and I would have to create my own amortization schedule in XXXX to get that. Problem is this is not a regular loan where it's set. I make payments and purchases and the amount changes. This information should be clearly disclosed on my monthly statements or given upon request. I have made several large payments to them and have no idea if they took everything towards interest or what. This is information that should be available to any consumer and should be a right to know, not hidden. I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - I sent a letter to have Ad Astra please remove the collection on my account because I was a victim of identity fraud and the account wasn't mine. 

XX/XX/2018 - They replied with a letter stating that it was my account, which is false.