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

Credit Karma locked my savings account each time I made a deposit and then refused to unlock it even after providing all required verification ( they required a copy of my drivers license and a photo of me with it, which really seems like overkill for just depositing a small amount of money into an account that I own and have established as mine repeatedly in the past ). When they locked it, they would send an email with detailed but incorrect instructions on how to navigate their phone tree in order to speak with a person to verify the account was mine. When I did finally get to a person, they would say they still couldn't unlock the account because I hadn't provided the required verification ( despite having done so multiple times ). I was finally able to get my account unlocked when I told them that what they are doing is illegal and I would be filing a complaint with the CFPB. After that, I did not receive any responses to my emails and suddenly the account was unlocked, even though I hadn't tried to again provide the documentation they claimed they hadn't received and that would be required. I have since closed my account, but restricting access to needed funds for absolutely no reason and then making it impossible to unlock the account without threatening to report you to the government is not an acceptable way to handle people 's money. 

I'd like to additionally note that I was always refused any information. They would not tell me why the account had been locked, they would not tell me how to avoid it happening in the future, and they would not even say what kinds of transactions would theoretically trigger an account to be locked. Again this happened repeatedly.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to the CFPB in regard to a notice of dispute that I have for EQUIFAX. I want to make sure that action is taken, and a response is given regarding inaccurate accounts reported in my consumer disclosure report from EQUIFAX. I want the accounts reinvestigated, and I want any unverifiable information removed from my consumer report with EQUIFAX. I have heard from other consumers that consumer reporting agencies have a bad habit of ignoring letters and I am ensuring it reaches EQUIFAX. In the documents attached all that is circled is the inaccurate I am referring to in my letter.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXBalance : {$2600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$190.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Product: Mortgage

I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their company.
Product: Debt collection

" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.
Product: Credit reporting or other personal consumer reports

This debt collector has not provided me proper debt validation for this aledged debt. Please delete this from my credit report. 
Also I have them no permission to submit anything to my credit report and this goes against my rights as stated in FCRA Section 605B.

Also the law clearly states, '' If a consumer notifies a debt collector that the consumer retuses to pay a debt the debt collectar must cease all communication '' ( 15 usc 1692c ( c ) ). I did not claim this debt cause it's not mine and also refused to pay and disputed this debit. Reporting to my credit is a form of communication.
Product: Credit card or prepaid card

On XX/XX/2019, I wanted to purchase online an Airline Ticket Internationally on a XXXX XXXX. The transaction was declined, So, I called the Customer services of the PNC Bank to Authorize the transaction, after verifying my self and while I was on the phone with the bank 's agent she asked me to try process the payment again and it was also declined, then they transferred me to the supervisor to remove the fraud alert on the car, and I was on phone with him made the purchase it was finally successful and Airline issued me the PNR Reference and Ticket and I have received an E-mail from the bank with the transaction details. 

On the Morning of XX/XX/2019 at XXXX ; XXXX XXXX was my flight, I went to the Airport and found that my ticket was revoked and canceled without any Notice either from the bank or the Airline, and After Inquiry, they stated that the bank did instruct the Airline of revoking this transaction due to fraud alert. 

I called the PNN bank and filed a complaint under the number : XXXX the same day. 
Bank have replied that they had to take this action despite the fact that I took the required actions by verifying and cleaning the Transaction. Bank has refused to provide the proper remedy or a resolution to my complaint and compensate me for the losses I sustained due to their revoking the transaction and my trip although, I have followed the proper procedures in such fraud alert at case by calling the bank and with their guidance and instructions I was able to buy the Airline Ticket. 

I have been damaged by the Bank wrong actions, despite I had complied with all the proper procedures to validate the transaction. 

1- The reasoning that I should have called them to remove the alert and clear and approve the transaction which I did. It is provided by the following evidence : 1- The Transaction made and a bank receipt was received for the transaction. 
2- a Phone call made prior to the bank to validate the transaction to the XXXX XXXX XXXX XXXX lasted for XXXX Minutes and XXXX seconds. ( this is where I was on the phone with bank verifying and acknowledging the transaction, which resulted and end of buying the Airline Ticket and transaction was successfully made ). 
3- The Whole Transaction was made by my Credit Card where is My Name is there and the Name of the Passenger is The Same as the Name of the Credit Card Charged. So, How this Could be a Fraud? and The Airline Has these Data under the PNR reference. 

Finally, Today, I called the Escalated Department of the Bank where they refused to offer any equitable solution nor taking any account or responsibilities of their actions that cause my monetary loses as well as emotional stress. 
2- bank refused my request to speak with their XXXX to address my case and informed me that this is the hights it can get, No resolution and no further action can be made. 

Therefore, I'm filing this complaint with CFPB against the PNC Bank, asking for a proper monetary remedy under the law and as per the consumer protection law and any other applicable USA laws. 


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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.
Product: Money transfer, virtual currency, or money service

IRS Tax refund ( XX/XX/XXXX ) of Maryland state tax refund ( XX/XX/XXXX ) sent to wrong bank USAA Federal Savings Bank to an account with no affiliation. IRS on XX/XX/XXXX and MD XXXX on XX/XX/XXXX have requested the tax refund to be returned to them so that my refund can process and sent to me. The USAA savings bank has not released the money after verifying it is there in someone elses account where I have no affiliation. This should have never been accepted by the bank. I spoke with XXXX in member security and XXXX bank ID # XXXX.
Product: Vehicle loan or lease

They sold me a " lemon '' of a vehicle and would never help me to fix it so finally i had to turn it in. They cleaned it up, fixed the vehicle and resold the vehicle but never even changed the balance that was owed even though they can't charge off a vehicle for total amount and resell it. They need to deduct how much they sold it for from my balance at the very least.
Product: Bank account or service

WE have a loan with Champion Mortgage, XXXX Michigan. 
We paid during year XXXX, a total of XXXX, between interest and FHA insurance fees. 
They sent us a XXXX for a total of XXXX. 
I made several phone calls, sent a few emails, they wrote us a letter promising an answer by XXXX. Never received anything from them. 
I need the correct information to filed our taxes, I do not believe they know what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report regarding a bankruptcy filing. After reviewing my credit report, I have discovered that there is a bankruptcy record listed that is incorrect. I am requesting that you investigate this matter and take the necessary steps to rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

The Bankruptcy court stated in the attached response letter that they don't report Bankruptcy informaton to consumer ' reports or consumer reporting agencies. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.
Product: Credit reporting or other personal consumer reports

I have been requesting that XXXX, Transunion and XXXX allow me to exercise my right to opt-out of sharing my information. According tot he Fair Credit Reporting Act 15 USC 1681 Section 602, it states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I am the consumer and have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states that " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of this customers ' nonpublic information ''. The financial institutions XXXX, Transunion, and XXXX do not have my consent to furnish this information and for a fact do not have my written consent to do so. 15 USC 1681 section 604 a section 2 states that " In general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. Any and all consent to Transunion, XXXX and XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX, XXXX and Transunion, who are Furnisher of information to credit agencies, never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years ''. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish and information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX, and XXXX are no maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services ''.
Product: Prepaid card

Several times a purchase was made and it wasn't by me but the company wouldn't allow me to dispute the charge. Year was throughout XXXX and XXXX
Product: Checking or savings account

This morning on XX/XX/22 I received an email and notification from the Chase app that a request to change my phone information had gone through. I did not make this change or request. I called Chase to tell them that I did not make the change and they said the only way this could happen is if " I had gotten a new phone, changed my phone number, or changed my phone provider service. '' I did not do any of those things, I've had the same phone number for years and this didn't raise a red flag to the man I spoke with. He said " well, that's the only way it could happen '', and changed my phone number on the account. I then received another email that my password had been changed, and another email saying that a phone number or email was deleted from my account. I logged in to check, and the primary phone number and email address had been changed from my Chase account. Both a number and email I did not recognize or ever open/create.

I called Chase again and this woman was very helpful. I wish I had her name. She gave me a secure password to change my password on my account and I did. Then she removed the unrecognized number and email and changed the account to have my correct email and phone number. I'm glad she was able to help me but the fact that this even happened is insane. I had a very secure bank password and no one should have been able to hack my account and change information. This is a serious problem that I wasn't contacted to be sure these changes were me, and that none of this was a red flag to the man I initially spoke with. He didn't even think or say anything like, well maybe someone hacked your account, let 's look into this further. He just kept saying, this would only possible if you changed your number. Luckily, no money was wire transferred or anything like that.
Product: Debt collection

Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. 

The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. 

They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. 

I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I paid {$5.00} for membership fees to be able to withdraw {$40.00} from the Beem app into my checking account where I receive direct deposit. On a monthly basis, my checking account is billed for the membership fees, but I have been unable to use the service and withdraw the quoted available {$40.00} due to bugs in the app and technical issues that present only when it's time to withdraw money from the app. The Beem app has taken more money from me over the course of XXXX months than I have been able to use the service. I have filed complaints with their customer service with no success in closing the membership, stopping the charges to my account, and returning the membership fees to me due to unfair practices and unrendered services.
Product: Credit card

I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine
Product: Debt collection

I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud department for each bureau has been called several times in regards to someone breaching my SSN. Each bureau assured me that they would remove the inquiry for XXXX XXXX off of my credit report. This inquiry is still reporting and has shaved points off of my score for the hard inquiry. I even put a freeze on my XXXX account back in XXXX and the agent never actually successfully froze my account. This inquiry is not attached to an account. I spoke with XXXX XXXX as well for removal and was informed it would be removed almost a month ago. 
I DID NOT RECENTLY OPEN AN ACCOUNT WITH XXXX XXXX THIS ACCOUNT INQUIRY DOES NOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$9800.00} XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I sent them a letter by certified mail to verify my debt and to date they have not. Also sent them a letter to stop calling me and they still do. They just called on XXXX at XXXX.