23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information. 
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.
Product: Credit card

PNC Bank decided to close my credit card. There is not 45-60 days prior notice given to me that they intended. Even it is listed here on CFPB website, 45-days prior notice needs to be given for any changes related to credit card. Because of no advance notice given, my rewards points on the credit card was not something I was unable to use. The bank excuse is that my PNC credit card is inactive and they can close my credit card account which is unacceptable. 

I have had this credit card for more than 10-years and had accumulated rewards points on it and now they have tried to steal this reward points from me which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my uploaded documents this complaint is for false reporting misleading information this is XXXX XXXX and no one else is filing this complaint for me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}
Product: Credit card or prepaid card

Dear CFPB, I am writing to file a complaint against Chase Bank for failing to issue me a full refund for a fraudulent charge from XXXX. 

On XX/XX/2023, I was charged {$110.00} by XXXX for an item that I did not order. I immediately disputed the charge with Chase Bank. 

On XX/XX/2023, Chase Bank issued me a partial refund of {$19.00}. They claimed that the remaining {$100.00} of the charge was not fraudulent. 

I contacted Chase Bank again to dispute their decision. I provided them with evidence that the charge was fraudulent, including screenshots of the XXXX website showing that I did not order the item. 

On XX/XX/2023, Chase Bank called me and said that they had reviewed my case again and decided to issue me a full refund. However, I have not yet received the refund. 

I checked my Chase Bank account online and on my XX/XX/2023 billing statement, and I do not see any sign of a refund. I also called Chase Bank customer service and they confirmed that I have not yet been refunded. 

I am very disappointed with Chase Bank 's handling of this matter. They have failed to issue me a full refund for a fraudulent charge, and they have not been responsive to my requests for help. 

I am filing this complaint with the CFPB in hopes that you will investigate this matter and take action against Chase Bank. 

Thank you for your time and attention to this matter. 

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

I have been constantly calling the XXXX number for XXXX  to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and Experian does, I would really appreciate if this gets addressed ASAP. My XXXX XXXX credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX MD XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.
Product: Credit card

I was an authorized user on my soon to be ex husband 's Amex card. He charged {$270000.00} on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me XXXX4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex husband ( divorce should be final XXXX ), they would cancel my card. I cancelled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information in my public records. Pertain to a XXXX  XXXX Bankruptcy that was filed on XXXX XXXX that was dismissed voluntary by me they are reporting this case # XXXX as a XXXX bankruptcy and it was in fact dismissed but they are not verifying the information. So they have it reporting as XXXX. 


Which I did file in XXXX XXXX but I then withdrew it. So the courts reported it as a dismissed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient incorrectly reported late payments to all   XXXX  (  XXXX  ) m ajor credit bureaus  (   XXXX ,  XXXX  and  XXXX   )  although the loans were approved for forbearance. Additionally, I addressed this issue with Navient on  XXXX   XXXX ,   XXXX   via facsimile and  US  mail to no avail.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. XXXX claimed that they resolved my disputes but have not. I've been disputing with them for years. They have XXXX XXXX, XXXX  XXXX XXXX  etc. And 6 inquiries for which I have no contracts for and no authorizations for. These aren't mine. Result of their data breaches? They are willfully refusing to remove all items listed. XXXX XXXX must've been taken out by someone else and XXXX XXXX as well. I have no aligning contracts. My attorney wanted me to submit prior to us sending off formal legal complaints as I'm to receive monetary gain per each item they refused to remove. Per Comprehensive Credit Act of 2020 section 401 there is nothing that should be reporting as these aren't even mine. Please advise them as I'm tired of the situation ruining my reputation and defamation my character.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1.

Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/2019 ] - **Outstanding Balance** : [ {$6800.00} ] 2.

Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/2019 Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately.

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In response to CFPB Complaint ID : XXXX provided by XXXX XXXX XXXX representative XXXX XXXX XXXX Complaint response Case Number : XXXX Please provide me with a proper statement of account without the MICR banking information blurred out on the statements so I can properly identify this account. Unable to provide a proper statement will be in violation of the Securities Exchange Act and the SEC will be duly notified for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies. 

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX through the debt collector company named Southern Credit Adjusters , Inc had billed me for {$1200.00}.

Firstly, they did not notify me at all about any form of debt collection, especially if it were to be unpaid and go to collections, and yet they also did not inform me of any form of debt cancelation, both violations of Consumer Financial Protection and Federal Regulations.

The Hospital provided a service that was very unhelpful, in fact, quite harmful, considering the state that I was in : they were doing remodeling & reconstruction in the XXXX  waiting room, with it being beyond freezing outside and having cold air breathing down my neck and body as I was dealing with 4 different XXXX XXXX of which all 4 sicknesses were tested as positive by a NURSE PRACTICIONER FOR FREE! They charged me for no real service other than a possible case of sickness, with no defined cure. 

The XXXX XXXX then proceeded to, after I personally had to search for how to apply for debt cancelation, if there was to be any at all, not inform me of any remaining balance, if any, and any communication between me and the hospital had been severed not by my own will. 

Now, I attempted to pay the bill in full all at once, and yet they rejected me paying the bill for no notice. 

I do not know why they did such things yet this is outrageous.
Product: Bank account or service

This bank is actively charging people for overdrafts when the account balance was never negative. The branch manager hides in her office and refuses to speak with customers. The branch manager also routinely refuses to provide contact information to others in the company to register a complaint. US Bank is proving to be a dishonest and corrupt organization. The personal banker went so far as to make the statement that it is not a crime for the bank to clear items in an order that would generate overdraft fees.
Product: Debt collection

National Credit Audit is reporting a collection account on my reports that I have reached out to them for directly. 

I tracked my dispute and it shows that it was delivered. However I have never received a response. 

It is my right as a consumer to dispute any and all inaccurate information from my credit reports. Per the FCRA in receipt of my dispute the consumer reporting agency must acknowledge and respond to my dispute claim. 

XXXXational Credit Audit is in violation of the law and my right as a consumer concerning this debt and I am requesting that this account is deleted from my reports now!
Product: Debt collection

A debt collection company sent a text message to a family member disclosing my debt information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX, and 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I am filing a complaint gon 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

Please erase these inquiries. I am uninformed about this matter, and the company did it without my authorization.
Product: Bank account or service

On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.
Product: Mortgage

My wife and I submitted my refinance loan application to my current lenderCitibank XX/XX/XXXX. Our credit score are over XXXX and our income in XXXX was around {$100000.00} and in XXXX around {$85000.00} not including the Pandemic mandated unemployment benefit of around {$20000.00}. 
Both are W2 income. Current loan is a FHA. 
Our current monthly payment is {$1900.00}. Our refi loan amount is {$270000.00} at interest rate if 3.625 % fixed 30 years. The projected new payment is {$1500.00}. A reduction of about {$400.00} per month. 
Appraisal done in XXXX at {$390000.00}. XXXX is 69 %. 
Needless to say we more than qualified in every respect. We submitted all requested documents promptly and was looking forward to a closing between 45 and 90 days. We follow up regularly with the processor and loan originator. Weeks went by and then months. We finally got the preclosing disclosure XX/XX/XXXX. That is over 7 months later. Adding insult to injury, the closing disclosure included an item Borrowers optional atty fee to XXXX ( servicer ) n the amount of {$2400.00}. At that point we decided to withdraw.

I am seeking the following : - fees paid of {$670.00} - lost monthly savings of {$400.00} up to seven months.
Product: Other financial service

Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states.
Product: Student loan

I have tried consolodating my two loans with WF, they denied the application unless I come up with a co-signer. I then tried reducing my monthly payments, stating I was comfortable paying {$300.00} a month, more than half of what theyre originally asking. They came back and said they felt {$500.00} was a fair monthly payment. XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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