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

To Whom It May Concern, I am writing to formally report PNC Bank for unfair and excessive savings account fees and request your intervention in securing a full refund for these improper charges.

Over the past seven months, PNC Bank has repeatedly withdrawn {$3.00} from my savings account on XXXX separate occasions, amounting to a total of {$75.00}. These fees were deducted despite my severe financial hardship, homelessness, and unemployment since XX/XX/year>. 

I proactively contacted PNC Bank to request a refund, explaining my financial situation and the undue burden these fees have placed on me. However, my request was denied outright, with no reasonable justification provided. 

Key Details of My Situation : I had my debit card replaced twice due to fraudulent transactions.

My savings account was my only secure place to store money safely, as my debit card is linked solely to my checking account.

PNC Bank continued to drain funds from my savings account at a time when I was struggling to afford basic necessities.

Despite my history as a responsible account holder and my direct outreach for assistance, I was offered no relief.

This predatory behavior is unacceptable, particularly from a financial institution that claims to support customers facing financial hardship. These repeated deductions have only exacerbated my already difficult situation and show a complete disregard for fair consumer treatment.

Request for Resolution : I respectfully request the Consumer Financial Protection Bureau to : 1. Require PNC Bank to refund the full {$75.00} unfairly withdrawn from my savings account.

2. Investigate PNC Banks handling of hardship requests to ensure compliance with fair banking practices. 
XXXX. Ensure greater transparency and accessibility to hardship assistance for consumers facing financial distress. 

Thank you for your advocacy and commitment to protecting consumers from unfair banking practices.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I had no chance to dispute this collection, I feel like this debt has been parked on my credit report without given me a chance to dispute, according to ( 12 CFR 1006.34 ) I feel like the collection agency is violating my consumer rights by using false. Is leading misrepresentation and deceptive means. I have no knowledge of any company by the name of CCS collections, I have no contract with them so why did they park a debt of {$1000.00} on my credit report?

They have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ).

How can they park this collection on my report without following any of the legal guidelines..? If you can not prove where you legally parked this collection on my report Please remove this from my report.
Product: Credit card or prepaid card

Comenity Bank charged me for an item I never received
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$10000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$860.00} XXXX XXXX BALANCED {$1400.00} XXXX  XXXX XXXX BALANCED {$180.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$1200.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including cryptocurrency trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  and XXXX XXXX to the scam platforms. All the transactions were facilitated using Crypto.com and XXXX. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.
Product: Credit card or prepaid card

I called to get a duplicate card for my wife. The previous card request was never received. I was told that it was sent. However, I never received it. For security purposes, they closed the old card and issued a new card to both in my name and my wife 's name. I was told that I would receive the new card within a week. I did not even receive the credit card, I got a call from Bank of America, telling me that purchases are being made on it. The purchase was made on XX/XX/18, the same day the card was issued for {$2900.00}. My question was how can a purchase be made on a card that was never mailed out? Now, when I filed a complaint and a request a new credit card, I was told that after reviewing my request they could not issue me a new credit card. I feel that I am being victimized multiple times. First they stole my identity to make a purchase and I lost my credit card privileges. In addition, I tried to get a loan, I am also turned down by Bank of America, all of this as a result of one act that was out of my control.
Product: Student loan

Before XXXX, my youngest daughter began her college journey, pursuing her dream career. She initially attended XXXX XXXX XXXX in Massachusetts, which unfortunately went XXXX  after her freshman year. She quickly pivoted to XXXX XXXX, also in Massachusetts. We applied for student loans for both her freshman and junior years, with her receiving scholarships for both. 

In her third year, I wanted to assist her financially as many parents do. Instead of her taking out another student loan, I applied for a loan through XXXX XXXX. This loan was subsequently sold to XXXX  Services. During the pandemic, like many students, my daughter completed her classes from home and later graduated with her class. However, a few months after her graduation, XXXX XXXX also declared XXXX. She has since successfully applied for and received loan forgiveness for her student loans from both XXXX XXXX and XXXX. 

I have tried to engage with XXXX  Services regarding the remaining balance on my loan of {$28000.00}, explaining my situation that I have been laid off from work and the college for which this loan was intended is no longer in existence. Unfortunately, the representatives Ive spoken with have stated that, as a private financial institution, they are unable to forgive any portion of the loan. Despite my efforts to negotiate or seek concessions, they remain firm in their position. I am struggling to understand why I should be obligated to continue payments for a loan tied to a defunct institution. 

Any direction, advice, or counsel you can provide on this matter would be greatly appreciated. Thank you for taking the time to read this email, and I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies Experian and XXXX have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home
Product: Credit card

Basically my ex-girlfriend XXXX XXXX at the time use my Social Security number and my name to open up these accounts XXXX of them. I had no knowledge when we broke up. I decided to check in my financial situation and had XXXX collections XXXX is remaining XXXX of them. They removed already. Dont know why theyre not removing the other XXXX I did not open up these accounts at all XXXX XXXX XXXX XXXX for {$500.00} opened up XX/XX/year> / LVNV funding LLC opened up XX/XX/year> {$1000.00} / LVNV funding LLC XXXX XXXX XX/XX/year> {$1700.00}
Product: Debt collection

Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer credit Profile Was Fraudulently used in an attempt to obtain credit also my information was fraudulently used to provide data without my knowledge or consent XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was scammed by an impersonator pretending to be XXXX XXXX XXXX The criminals left 2 voicemails proposing a special promotion. When I returned the call, it went to XXXX which was really the criminals. The 1/2 price promotion was said to be a partnership between the above businesses and XXXX. I was to purchase {$480.00} in XXXX gift cards. I did and then the scam continued to say that XXXX was also part of this and it was another {$1600.00} using XXXX gift cards. I did this on XXXX, 2022, at XXXX XXXX XXXX  in the pm. Within 15 min. afterwards, I learned from my sister, living in XXXX, AZ, that this was a scam. I immediately called my credit card with CHASE bank, letting them know of the scam. The response was that the {$480.00} had gone through, but the {$1600.00} would not since I called them. On XXXX, I called Chase and was told again that the {$1600.00} would not go through and to report the scam to the police and to call XXXX with the gift card numbers for the {$480.00} only. I reported to the XXXXn Police Dept. & XXXX. ( I have verification and report numbers. ) But my further concern with Chase is that on XXXX, was that they allowed the {$1600.00} to go through and said their employee had given me the wrong information. Chase did nothing to keep the criminals from profiting. I filed a dispute, but nothing came of it. Again, I have all the details to prove all of this. The dispute got escalated, and I shared my disappointment with the Chase employee, but the situation was taken lightly and said the pending charges for the {$1600.00} was just automatically approved. This is very disturbing to me and cost me the additional {$1600.00}.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my account as closed. Transunion is reporting my account as closed. 
XXXX is reporting my account as OPEN. 

I told all 3 credit agencies to remove the account because XXXX is not the same. Its been open for over XXXX months after the account was closed. 

XXXX is cheating me. They wants to close the account instead of removing it from my credit report. I have proof of everything. 

The account is XXXX XXXX XXXX loan
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses my correct name is XXXX XXXX XXXX XXXX my correct address is XXXX XXXX XXXX XXXX tx XXXX incorrect names listed XXXX XXXX incorrect addresses XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

My Credit Report has been full of inaccurate and misleading information for several years with me requesting that these items be investigated and removed and I have been unable to resolve this issue on my own. I have been a victim in several data breaches including one involving Equifax which then resulted in me checking my report and finding so many errors that I just couldnt believe it! There are 13 Hard inquiries which I absolutely have no memory of as well as there being reported that I have several variations of my name when I have only ever went by one name as well as a ridiculous amount of different addresses some of which are combinations of two different geographical locations however those are not addresses that should be associated with me incorrect or not. One of the addresses that is listed on my report belongs to a casino and it just is one inaccurate piece of information after another all of this has been what I can only describe as a prison and a tremendously heavy burden that has absolutely destroyed my spirit, my relationships, my professional life and various opportunities that I could have had a much better chance to achieve had this not been standing in my way like an obstacle that no matter how hard I work and how hard I try! I have been crippled by this inaccurate and unreliable and misleading reporting from all three of these bureaus. I am here today to ask you to please use whatever power you have to please make these people, this company who does not care that what they are reporting about me is incorrect and inaccurate and hurtful to me and my ability to make a living and to be able to obtain credit and It has been years of them doing nothing to flx there mistakes and had I known that the CFPB even existed I would have been begging you a long time ago to make these people accountable and make them fix this inaccurate information! My credit report should have only ONE NAME, TWO ADDRESSES, TWO STUDENT LOAN ACCOUNTS AND THAT IS ALL. Everything else is inaccurate, or unrecognizable, or I am unfamiliar with! So unless I can be provided with some form of believable proof and evidence I want these items removed and I want all the extra names and addresses removed because they are supposed to reporting true and accurate information and they most definitely are not! Please dont think that I am getting on you about this in any way because I can assure you that is not the case! I am very very happy and grateful that you are able to possibly help me put an end to this! Thank you very much for your time and for taking time to listen and possibly help! Have a wonderful weekend and I look forward to possibly hearing from you soon!
Product: Debt collection

I have had an ongoing issue with Midland credit management. I have filed both an FTC report and police report and made this company aware that these are not my accounts. They requested an updated FTC Identity Theft report with the account numbers and the date I was made aware of the fraud. I have listed it on the report. I am demanding this company delete both accounts or further actions will be taken.
Product: Checking or savings account

my account with reliacard was locked in XXXX so XX/XX/XXXX i sent in a id that i had to get from dmv and a selfie two weeks later i got a letter saying to send id again andand selfie and taxes for XXXX and ssi card so i got everything together and sent on the XXXX of XXXX i even sent XXXX XXXX and XXXX taaxed along withXX/XX/XXXXi called everyday they said it taakes 2 days then they said it takes 5 to 7 days then they said the documents werent clear enough so i send id the ssi card and then XXXX taxes again its now XX/XX/XXXX and my account is still lockedthis is a joke i cant believ this i had two trees fall on house and have young children in my home who cant eat properly because im waiting on someone to look at my id ive sent messeges for someone to call and nothing no one calls back this bank is a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-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: Credit reporting or other personal consumer reports

My information was stolen and it has my credit messed-up