23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was settled and closed from XXXX XXXX. however, Experian is refusing to remove it from my credit report nor XXXX XXXX is unable to locate my account ... additionally, XXXX XXXX lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
Product: Mortgage

In XX/XX/XXXX, I filed an initial complaint with the Consumer Financial Protection Bureau ( CFPB ) about PRMG regarding their failure to provide XXXX relief options, as outlined in XXXX XX/XX/XXXX XXXX Letter. PRMG responded that they had no record of the XX/XX/XXXX, letter and were unable to address it, showing a misunderstanding of my reference to federal guidance rather than a personal letter. This failure to acknowledge XXXX XXXX relief options has persisted in all of my interactions with PRMG. 

On XX/XX/XXXX, I attempted to access my loan documents online to understand my options for exiting XXXX forbearance, but my access was restricted. When I called PRMGs support line, the representative informed me that access was blocked because my loan was in active foreclosure and had been transferred to an attorney, though no sale date was scheduled. The representative pressured me to make a lump-sum payment over {$35000.00} to bring my account current or discuss my options over the phone. I informed him I needed access to my documents before making any decisions. I invoked my rights under RESPA to access my loan documents regardless of account status, but he retracted his initial statement and claimed my access was restricted due to the web team. He instructed me to call back another day to discuss document access, dismissing my request and pressuring me again to discuss my account status or settle with the attorney. 

During this call, the representative stated that I was denied all XXXX loss mitigation options because PRMG allegedly sent me notices to which I did not respond by a specific date. However, I never received these letters, nor was I informed of my rights to specific XXXX relief options. When I requested available options, the representative questioned me extensively about exactly what happened during XXXX to cause my hardship, despite my attestation of financial impact due to the pandemic. The XXXX XXXX only requires a general attestation of hardship for forbearance eligibility, yet the representative insisted on additional personal details, stating, XXXX cant help you if you dont answer. This coercive tactic disregards the protections provided under the CARES Act and constitutes an unfair practice under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 

Additionally, I discovered that PRMG has applied late fees to my account while I was on an active XXXX forbearance. I requested a clear, itemized statement of all transactions from the inception of my loan, but PRMG has not provided this information. PRMGs lack of transparency, inconsistent communication, and failure to follow HUD and CARES Act protections have left me unable to make informed decisions regarding my loan.

I am seeking assistance to ensure that PRMG provides full access to my documents, a transparent account of my transaction history, and an evaluation of my eligibility for all HUD XXXX recovery options.
Product: Credit card

On XX/XX/2024, I received a notification from Apple ( Goldman Sachs ) stating that my credit card account was closed due to failure to comply with the terms of the Customer Agreement. Prior to this, I had initiated chargebacks for fraudulent charges from XXXX. I hadn't used XXXX in over a year but was still being charged {$9.00} monthly for a XXXX subscription. Despite checking all my XXXX accounts and finding no active subscriptions, the charges continued. In response, the Apple support agent advised me to change my Apple password, reset my Apple purchase information, and initiated chargebacks for the past five XXXX charges. 

This same issue occurred last year, resulting in multiple chargebacks for the {$9.00} subscriptions. In total, I have had around 20 chargebacks related to XXXX. After the most recent set of chargebacks, my Apple Card account was closed. Losing this account, which is one of my oldest, will significantly impact my credit score and reduce my total available credit by {$5500.00}. 

I contacted an agent for clarification, but they only reiterated that my account was closed due to a violation of the Customer Agreement and suggested reapplying for the Apple Card in the future. The agent also seemed to actively avoid discussing the option of filing a complaint with the CFPB, offering no further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters every month since XX/XX/2018 to correct my personal information. I have incorrect names, address and employers still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I have an inaccurate address listed on my credit report that i have no knowledge of. This address is not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.
Product: Credit card or prepaid card

I have a checking account with Chase Bank. While visiting with the bank to service my checking account involving another matter, I was informed by the banker who was attending to me that I had been pre-approved for a Chase credit card with a credit limit of {$2000.00}. As I have never possessed a credit card, and do not currently have much of a credit history, I found the offer fortuitous, providing me with an opportunity to build a credit history and improve my credit score. As everyone knows, in today 's economy, a solid credit score is very important to acquire such things as housing, employment, etc. That being said, I applied for, and was approved for the credit card in question. Subsequently, I received the card in the mail and used the card as intended for various purchases. Having reached my credit limit, I therefore repaid the account in full. Following this payment, I received notification from Chase Bank that the account had been closed. I immediately contacted the bank for an for an explanation. I was informed by banker that the funds I used to settle the account were returned due to insufficient funds. I have contacted the issuing bank in question and they have assured me that the account contained sufficient funds. It would appear that Chase Bank returned the funds for unknown reasons and falsely claimed that the issuing account lacked the necessary funds for payment. I was further told that I would be receiving a letter in the mail from the bank providing further explanation. I have received this letter from the bank, dated XX/XX/XXXX, XXXX.The letter states that the account was closed for XXXX reasons : 1 ) not enough credit information on file 2 ) the accounts on your credit report have not been open long enough. These conditions existed prior to the issuance of the card. It is my contention that Chase Bank was aware, or should have been aware of these conditions prior to the pre-approval and the subsequent issuing of the credit line. It is my further contention that Chase Bank 's behavior in this matter has been arbitrary, capricious and duplicious. I am requesting that the CFPB investigate this matter on my behalf and that Chase Bank properly restore my credit card.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must DELETE the following account from my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX TARGET/TD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a Consolidated Stafford Unsubsidized student loan that is serviced by Navient Solutions Inc. This specific loan can not be payed-off online. However, whenever I call the customer service number, all payment related questions/requests are routed to the online website or automatic message. Basically, there is no way to speak to someone so I can pay off my loan. This is extremely frustrating and basically does not allow me to pay-off this loan which seems illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XXXX  is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against 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 rapton : 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

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Trans Union, XXXX and XXXX a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The act of cramming is unlawful under section 201 ( b ) of the XXXX communications act. The commission rules say a fine of {>= $1,000,000} for any common carrier that knowingly commits the act of unjust and unproper charges in the provision of telecommunications service. XXXX XXXX XXXX XXXX will be reported to XXXX  and FCC for violation on intake form 208 if not corrected federal law state actions may be brought fourth in federal court of law, or to the fcc commission. Account number XXXX has been unlawfully continuously attempting to collect a debt that is not valid. I owed {$280.00} and was shot on XX/XX/XXXX during which time my phone was disconnected and then terminated, but still charged monthly fees when I had no access along with early termination fees. XXXX XXXX XXXX has collected unjust amounts of reconnection fees in the past and was warned they would be sued if the unlawful cramming continued. When I notified XXXX of credence   account was sent to sunrise credit in attempt to dodge my claims of deceptive business tactics. My phone was stolen during attempted robbery when I was shot and as such XXXX XXXX XXXX refused to send me a new device even tho I paid for insurance and tried filing claim with XXXX. The balance of was {$280.00} from XXXX that I owed after being almost killed in XXXX. My service was suspended and I couldnt use it during recovery but my bill jumped to {$610.00} in XXXX. After complaining in XXXX they terminated me and charged me {$1200.00} which is unjust, and unlawful after being a valid customer for 2 years. I only owed {$67.00} on my daughters mom XXXX and she has had her phone number for 10 years that XXXX XXXX XXXX now refuses to allow to be transferred. This has caused me to stop communications with my daughters mother extreme stress and duress on my life. I have sent letters to credence for disputes, and tried contacting the office of the president.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter. I sent a copy of my driver license and a utility bill to make sure my identity wouldnt be in question. I sent my dispute letter with clear disputes. On XX/XX/XXXX Experian emailed me saying that they received a dispute that didnt appear to be from me. I tried to call and was impossible to get through to someone. This is clearly a stalling tactic by Experian to not investigate my dispute. I would like my original date to stand in regard to when I sent and they received my letter. The law stipulates a timeline here to investigate and remove items from my credit report. They are trying to extend this timeline unlawfully by claiming it was not me who submitted this dispute which it most certainly was was. Thank you
Product: Checking or savings account

XX/XX/XXXX, we were victims of a financial scam involving a cashier check. This was for a purchase of equipment we had for sale. The check was out of state, it was deposited into our account we checked on it few days later was advised that it was good by bank employee. We were not told that it could be a scam by the bank. It was found later that BBVA bank on the day of deposit they had training on this particular issue. The bank knew this was going on we were not aware of it or made aware of it. On XX/XX/XXXX we saw that our account was cleaned out not by the perpetrator but by the bank. They discovered the cashiers check was bogus. Did not even contact us. We had to contact them, we tried to work with them they would only say we were solely responsible for everything. Would not work with us. Even filed report with local police department, was told that the bank was responsible for what had transpired. Foward to XX/XX/XXXX we attempted to open a college fund account for our Grandson but was denied. We contacted a company called XXXX XXXX that handles these issues. Our current bank XXXX In XXXX, XXXX.the information we recieved regarding this matter stated that it was due to a fraudulent account. They made it sound as if we were the perpetrator.
Product: Debt collection

NE Credit Collection is reporting to XXXX a collection in amount of {$640.00} for XXXX XXXX XXXX XXXX which I can not validate and they will not validate. The " open date '' is XX/XX/XXXX and this is impossible because I have lived in XXXX since XX/XX/XXXX and prior to that XXXX for 2 years. After research this is for XXXX XXXX XXXX phone ( XXXX XXXX XXXX in XXXX. This is an illegal practice of this collection company and the initial medical creditor since they are reporting inaccurate dates. I have not lived in XXXX since XX/XX/XXXX. This should be immediately deleted. I have never received a 30 day notice of collection to my current address which I have live since XX/XX/XXXX well before the reported date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my Experian credi report an found multiple hard inquiries that i didnt do or authorize. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 I did not do any of these nor do i know who did.. I need some help getting this removed from my credit report
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affilates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the attorney, CFPB, FTC and the Police deaprmtent to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
Product: Credit reporting or other personal consumer reports

All of this began with the data breach at Experian. Now, by credit card had been running high usage for up to XXXX percent, so I paid XXXX XXXX dollars on the XXXX to begin to address that issue. Experian and XXXX used the closures of XXXX  XXXX cards as a reason to drop my limit to leave me at the same credit usage percent as before. Remember, I've never missed a payment ever. This drops my credit score my XXXX points. 
All because I wanted people who had breach my information and using credit cards under my credit profile to be removed.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX. I went to the atm at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI. I withdrew {$460.00} off my debit card from XXXX XXXX XXXX in XXXX, MI. I was then going to deposit the money into my Huntington Bank Account to cover my rent check which I wrote from my Huntington Bank Account. The atm sucked my money back into machine before I had a chance to take it out. I immediately contacted Huntington Bank and talk to XXXX XXXX   a customer service representative at the XXXX Branch. I was told that I would have to wait 14 days for my money to be returned because their atms are vendor fed and vendor balanced. i have never heard of this and when I contacted XXXX  a Customer Service Representative at XXXX XXXX XXXX  she never heard of this either. I had this happened one other time at another bank and they went out and checked atm and my money was sitting in back of machine. XXXX   called XXXX XXXX and was told the same thing there was nothing they could do but file a dispute and we did and he said it was taking care of. Well on XX/XX/XXXX the check was presented and I thought they would return it. I contacted my landlord and explained to him what happened and he asked me to write another check which I had my sister do ( I'm between paydays ) for {$440.00} plus {$15.00} for overdraft/return payment at his bank. Well they paid it even thought there obviously was no {$440.00} in my account. Now I am overdrawn by - {$400.00}. I should mention I did have {$40.00} left for groceries that was used towards the check. Another payment came thru which I had money for before this check payment and that put me overdrawn at - {$400.00}. I had a 24 hour grace period but being between paydays and borrowing money from my sister had nothing to put in the account. Well on XX/XX/XXXX I was slapped with a {$23.00} over draft fee leaving me overdrawn by - {$420.00} and Tuesday XX/XX/XXXX they slap me with an extended overdraft fee of {$25.00} now I'm overdrawn by - {$450.00}. Tuesday XX/XX/XXXX XXXX  from Huntington Bank Headquarters called and said they closed my case and my bank will have to dispute on their end. Are we serious? Two weeks of run around and stress. I contacted XXXX  at XXXX XXXX XXXX this morning and she filed a dispute. A {$460.00} withdrawal has cost me close to {$600.00}.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the removal of incorrect accounts from my credit report. Could you check the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit card or prepaid card

I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. 

I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. 

This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.