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

I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. 

Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. 

Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA.

Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA.

Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. 
This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.
Product: Student loan

Navient has been contact me stating that I am past due on payments. I have been enrolled in school for the last two years. In XXXX I spoke with a representative on the phone and they did a deferment, without paperwork. However, this past fall ( XXXX ) I started receiving phone calls and notifications that I was past due on payments. I called again and explained that I was still in school. They stated they looked through the " XXXX XXXX XXXX XXXX '' database but that my SSN must be wrong. I 've spoken to two different agents on the phone about this and to one via chat ( I have screen shots ). All have said there is an issue with my SSN. They seem to jump to this answer very quickly. I have reviewed my information with the school and my SSN is accurate. I contacted XXXX XXXX XXXX and confirmed that my school submitted their enrollment/attendance information on XX/XX/XXXX. I asked the first associate I spoke with last week where I needed to send my documents if I needed to have my credit report updated to reflect that I was in school and thus they could not make bad reports on my credit. The individual told me a XXXX XXXX to send it to. I asked what was the business name. They stated it was the Credit Bureau Association. I asked them to confirm this again, they did. I XXXX the XXXX XXXX and find this : Navient XXXX. XXXX XXXX. XXXX, PA XXXX. No indication if that is their credit reporting offices or not. 

I reached out to an enrollment advisor at my school and obtained documentation that I had been enrolled for the past two years. I got onto Navient and tried to upload it, but there was a file size limit. I used their chat option to get in contact with an associate. There was an immense amount of difficulty for the associate to " receive '' my documents via e-mail and only after I stated that I would be happy to wait that they offer to e-mail me directly so I can respond with the documents. I sent it and offered to wait again. I notified the associate that I had cc 'd myself and my father on the e-mail and they came through almost immediately, but that I would be happy to wait as long as necessary. I also asked if I would be receiving a copy of the transcript of our conversation ( a standard for most businesses ) and they stated that they would be unable to do that. I notified them that I took several screen shots so that I can reference it later if need be fore e-mail information, etc. Suddenly, the associate received my e-mail with the documents. They said that it would be " processed '' and that I should receive an update within a week. 

They did not confirm if the information that I sent was adequate, who I would be hearing from, a number for me to call to follow up. I have screen shots of the conversation outlining the immense obstinance there was in assisting me with my concern. This is not the first time that the communication practices with Navient have been far from transparent.
Product: Credit reporting or other personal consumer reports

I asked each company to display my correct name and address my name is XXXX XXXX XXXX XXXX my Address is XXXX XXXX XXXX XXXX texas XXXX that is the only name and only address that should be on my report me and my father have the exact same name even middle name so there is alot of confusion especially on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and/or XXXX has not released the freeze on my credit report. I have applied twice to XXXX for a checking account and been denied twice. Before the second time, I checked all 3 credit reporting companies and was informed online that the credit freeze was lifted. Apparently it wasn't. I called Experian and was told by a recording that I would have to submit a request in writing. I waited 20 minutes on hold to speak to an agent but gave up. I called XXXX  and was told to call back after several hours because their system was down for maintenance and they couldn't get to my account. 
I want to know why I have to be at their mercy for keeping and lifting a credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information shown on my consumer credit report is inaccurate and unverified. My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Product: Checking or savings account

I deposited my Federal refund checks into bank of America ATM as we don't have branch close by any longer on Saturday, It is now Weds the XXXX and have not been given access to my funds. Not any portion what so ever it's is causing hardships and making daily living a living XXXX and un safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account was supposed to be draft out of my account. There was a billing error that caused credit reporting to be showing ( 2 ) 30 day lates. My account has never been 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Upon receiving a loan discharge of {$26000.00} letter for borrow defense fund. Again I only borrowed {$26000.00} which is still on the MOHELA account. This is fraudulent and my student loans still have not been discharged per borrower defense letter under the Sweet v. Cardona Settlement
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, this unauthorized account continues to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reported By : TRANSUNION Date Opened : XX/XX/year>
Product: Debt collection

Approximately late XXXX, I had a door to door sales rep offer me an alternative energy provider. They had promised me a reduction in my electric bill and I had agreed to sign up. However, after the first month, it turned out that they were charging significantly higher rates than my previous supplier. 
This, understandably upset me and I called the company to get an explanation. I was put on hold until my call was disconnected. I called back several times over the course of 60 days. to cancel my service and was put on hold until the call terminated. I was not given a chance to cancel my service and was forced to resume services with my previous supplier. 
Currently they have hired a debt collection agency to come after me for a bill that I do not believe to be my responsibility. This company has provided substandard service and unfair business practices. They should not be allowed to mask their bullying tactics behind the age of the debt or through a XXXX party that has nothing to do with their actions.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX - XXXX - This is not accurate. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX  - XX/XX/year> - I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reported.
Product: Checking or savings account

I received a letter in the mail that my Business account and all my credit cards will be shut down. I know have to look for another bank and start a new account and get approved for credit cards. This will be a major issue as we have payment and going every day out of our account.
Product: Checking or savings account

On XX/XX/XXXX I opened a new Smartly Checking account with US Bank after clicking through an online promo code for new US Bank customers promising {$500.00} for opening the checking account. Over the course of the next few months, I spent many valuable hours completing each step that was required in order to fulfill the bonus, including 1 ) open an account with a minimum of {$25.00} ( completed XX/XX/XXXX ). 2 ) Enroll in online banking or the US Bank app ( completed XX/XX/XXXX ). 3 ) Direct deposit at least {$6000.00} within 90 days of opening the account : I had my employer direct deposit my paycheck into the account, and the following deposits were made : XX/XX/XXXX : {$2400.00} ; XX/XX/XXXX : {$2200.00} ; XX/XX/XXXX : {$2100.00} ; XX/XX/XXXX : {$2100.00}. This totaled {$8900.00} and was within 60 days of opening the account. 4 ) Make at least 10 debit transactions ; this was completed within the specified time limit. In addition to these steps, all other requirements for obtaining the bonus were completed, and were time consuming. Despite this, over the course of XXXX, I have called US Bank at least 6 times to request that the bonus be filled, most recently on XX/XX/XXXX, and prior to that, XX/XX/XXXX, but also many times in Q2 and Q3 of XXXX. Every time I have called, I have been told that I did fulfill every term of the promotion and the agent has shared that he or she does not know why I did not get the promotional bonus yet. One agent said he has sent an immediate request to the promotions department to fulfill the promotion. After a series of calls throughout XXXX, each time speaking with US Bank customer service agents who do not know how to address the matter and can not understand why I haven't received the bonus yet, finally on XX/XX/XXXX the customer service agent 's supervisor told her that I did not receive the bonus because the promotion was only for " targeted '' customers and I was not targeted. However, I clicked on a US bank promotion through an online ad, which is the very definition of target marketing. Therefore, US Bank is both employing false advertising and engaged in deceptive business practices. Furthermore, the corporate office is creating an unfair situation for customer service agents who have no information as to how to solve customers ' complaints regarding the deceptive new checking account bonus promotion.
Product: Credit reporting or other personal consumer reports

I would like to dispute several unjustified hard inquiries on my credit report. These were not authorized by me and did not result from any credit applications made on my part. I want these to be removed immediately, please. I really don't want to have any future problems when dealing with opening a new line of credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates referred to hereafter as " PRA '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from PRA that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called PRA ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXXXXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXXXXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but PRA purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to PRA. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX XXXX  the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Product: Vehicle loan or lease

XXXX XXXX credit sale agreement occurred at XXXX  XXXX for a XXXX XXXX XXXX. 

XXXX XXXX XXXX Ally bank via telephone call that I was XXXX XXXX and was being relocated had to do voluntary repossession I gave location on where to pick up vehicle and point of contact on how to get the keys. I also gave them updated address mailing address in which they said they would put into the system. 

XXXX XXXX I called again to Ally financial to reiterate what I said in XX/XX/XXXX and they promised to fix it and update information. Because my point of contact notified me that the vehicle has still not been picked up by the creditor. 

XXXX XXXX still did not fix my updated information and did not pick the vehicle up. Which has now been XXXX months since original contact. ( 120 days ) XXXX XXXX I was called by Ally and was told that a judgment was going to be placed in my name if I didnt turn the vehicle over or make a payment. I told them back in XXXX that I tried turning the vehicle over. But Ally never picked the vehicle up. 

XXXX XXXX Vehicle was finally repossessed I was not notified via mail nor was I given the proper paperwork to retrieve my personal items which I only had a few. The judgment that was pending was dropped since they recovered the vehicle. I didnt find out until my point of contact who I gave my keys to back in XX/XX/XXXX called me to tell me he was contacted to meet them at a dealership in XXXX to drop the vehicle off and hand the keys over. 

XXXX XXXX No court order was provided since I was XXXX XXXX until XX/XX/XXXX they were still required to comply with the XXXX XXXX XXXX XXXX  which they violated. Since the loan was done while I was on XXXX XXXX they were still required to uphold that law during the term of the loan. I then had to call Ally to find out if I owed a balance or not since no paperwork was ever sent to me then I tried giving them my updated mailing address for another time. 

XXXX XXXX Ally reported to all three credit bureaus different status dates and marked it as a charge off with a balance and failed to disclose to credit bureaus ( XXXX, XXXX XXXX XXXX XXXX that they sold the account to a third party collection company without my permission. They did not list the name of the new creditor who bought the account and reported late history that was inaccurate. As well as listing it on my report as a installment or auto loan which is a incorrect name for the account. It should have been labeled credit sale agreement since it was done in a dealership. 

XXXX XXXX I contacted Ally to request all notices be sent to me since I never received one I explained that they have not updated my current mailing address after multiple times calling in. Since I failed to receive notice and everything else above from reporting inaccurate information to the credit bureaus is a violation of my rights and the FCRA. I am filing a complaint against the creditor to remove and delete this false information off my report or I will pursue legal action.
Product: Credit card or prepaid card

I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.