23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On or before XX/XX/2XXXX XXXXXXXX XXXX XXXX XXXX, DBA chairman, president, and chief executive officer of PNC FINANCIAL SERVICES GROUP was sent a Notarized affidavit with certified mail # XXXX XXXX XXXX XXXX XXXX making him aware that he and PNC BANK furnished on my personal consumer report, inaccurate and incorrect information to all credit reporting agencies. Pursuant to 15 U.S. CODE 1681S-2, as a furnisher XXXX XXXX & PNC BANK have a duty to provide ACCURATE INFROMATION. 

XXXX XXXX & PNC BANK IS REPORTING " GROSS OR ORDINARY INCOME '' on my personal consumer report. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on consumers reports, which makes the reporting of a charge off inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies has violated my rights and have been reporting WITHOUT my consent. 

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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 XXXXXXXX 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, credit repair services, or other personal consumer reports

I dont understand why Experian is asking me for the same documents that i already sent to them. Please see attached documentation to Experian for the SECOND time, for my complaint due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX  - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Product: Credit reporting

On XX/XX/2016, I attempted to obtain a free copy of my consumer report by contacting Experian, the credit reporting agency listed, within 60 days of receiving a denial notice. I attempted to get my report via the website listed on my denial notice ( www.experian.com/reportaccess ). After filling out the required information and answering questions, the website indicated that it was unable to honor my request without explanation. I attempted to enter my information a second time, was denied again and was redirected to this site ( https : //www.experian.com/consumer.html ), which advertised in bold XXXX font, " WHAT 'S YOUR FICO ( R ) SCORE? 

FIND OUT NOW WHEN YOU CHECK YOUR CREDIT REPORT FOR {$1.00} Checking your own credit will NOT lower your score Review your credit report for unfamiliar information Toll-free support available 7 days a week Fast and easy " A screen capture of this site is attached. 

I paid {$1.00} to receive my credit report. On XX/XX/XXXX I was billed XXXX I immediately contacted Experian via the phone number on their site upon being billed. I had no notice of the bill, but saw the charge on my account. XXXX representatives and XXXX supervisors all indicated that they did not have the ability to issue refunds and none of the first XXXX indicated I could request a refund via email. The second supervisor gave me the email address XXXX. I emailed this address, explaining what had happened, and was told that I signed up for a trial membership that converted to a recurring monthly membership and since I had failed to cancel within the 7 day trial period, the bill could not be refunded. I was also told that no pro rated refund could be issued. 

I did not intend to sign up for a recurring service. I did not use the service and gained no benefit from it. I promptly asked for cancellation and a refund or a pro-rated refund for the three days during which I had the service that it took me to become aware of the billing me.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with ONE MAIN FINANCIAL during the beginning of XXXX. 
I called to see what options I had and the XXXX had offered a refinance of the loan at a much higher payout with my XXXX XXXX XXXX ( at the time valued at {$2000.00} ) as collateral. 
I feel the offer was predatory ( due to the circumstances of COVID - furlough and not knowing status of job ) as I ended with a $ XXXX loan against a $ XXXX vehicle ( at best ). 

As well, I had added unemployment insurance when I renewed at an added cost. I was told this was to protect me if I should become unemployed and can not pay the loan it would be handled by the insurance. 

I have done the best I can to keep up with payments ( might have been late a couple of times ) and had recently lost my job in XX/XX/XXXX. When I contacted ONE MAIN I was told the process to access the insurance benefits which included documentation from the unemployment office as well as my bank. 

I have lately been denied my benefits and still have the large ( $ XXXX ) payments on no income. I have since moved back home with my family and assist in the care of my elderly mother and am not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Credit inquires from : Pic attached
Product: Bank account or service

I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Collection Services of Nevada is reporting that I owe XXXX {$510.00} when in fact, in do not. 
They reported this to the credit bureaus when don't even own the debt, XXXX, whom I settled the debt with, as XXXX advised me to do since they knew that I did not even owe them the money, but since they turned me over to a collection agency, all they could do was to tell me to settle with XXXX for less, and I did. 
I sent Allied documentation showing they are reporting this error, but they want to give me the run around! 
The documents included the receipt showing I paid XXXX. 
I want them remove this error from my credit bureaus.
Product: Debt collection

First federal collection agencys continuing to validate an account that doesnt belong to me despite my request for validation. The company never validated debt to me but continues to validate this account. Im going through paperwork and just notice that other bureaus removed this debt but its still reporting on equifax. Ive attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted a request via USPS mail to Experian for further information about 6 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 6 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Experian contacted the source. I also requested to see the original contract or service agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a XXXX  leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and Equifax with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Product: Credit card

Dear Sirs, I appreciate your attention with this matter. It has to do with a computer my daughter and I purchased from XXXX. It was found to be a three year old used computer so we immediately sent it back. They kept the computer and never refunded our money of {$330.00} After many hours of being on hold with several unsuccessful attempts to speak with a XXXX representative, we finally wrote them inquiring about the refund. They responded with a simple statement that they have now closed my XXXX account. They have given no further communication. 
We then notified Chase Dispute Department. Chase eventually denied our request. XXXX had stated they never received back the computer. Upon calling the Dispute Department as to why it was denied the representative stated our case seemed valid and suggested we reapply with a another dispute request and attach the tracking proof. This we did providing even the name of the employee who signed for it ( See Attachment ). Yet this dispute was also eventually denied. Upon calling the Dispute Department once again, as to why it was denied, this representative also felt that XXXX wronged us and suggested we again send in a dispute request. This we did and it again was eventually denied. A Chase representative, XXXX, wrote to us with this statement, " The results of my review confirm that the transaction is valid '' She continued, " Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' This is why we are requesting the help of CFPB. 
-XXXX clearly misrepresented there product. 
-XXXX clearly stonewalled any communication that would enable the matter to be resolved. 
-XXXX mislead Chase into believing they never received the computer. 
-XXXX has our money and we have no computer. Yet XXXX states " the transaction is valid ''. 
How is this a valid transaction? 
In the 7 years that XXXX is listed with the XXXX they have almost 3,000 formal complaints against them. Many of these complaints speak of the fraudulent misrepresentation of their products. The vast majority reflect XXXX almost complete disregard to correct any of its errors committed against their clients. Of the 22 years my wife and I have been with Chase we believed you to be a force to help protect us from fraudulent practices. We have directed our young daughter whose account is listed here to believe the same way. Please help us! Please get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts : XXXX XXXX XXXX This accounts are in violation. 

15 U.S.C. 1681b permisible purpose of consumer reports. 

Credit reporting agency does not meet any circumstances.
Product: Vehicle loan or lease

I paid off my loan in XXXX of XXXX. The company has not applied my payment to my account and keeps sending it to repossesion. I am the only one that keeps trying to contact them. I have been told that they keep trying to call me and then close complaint. They have called once. I do all the calling. They keep changing my phone number even though I have told them I only have one number and it never changed. They have also changed my address even though it has never changed. i found out they changed it to an old roommate ' s number, even though i have stated that i have not moved. I am tired of being bullied by them even and lied to!!!! They do as they please! I was told by a XXXX XXXX on Monday, XX/XX/XXXX that all documents were received. Now I am being told that it wasn't by a XXXX XXXX. I had to leave work early to go and resend it. 

This company doesn't have it's head screwed on corrrectly I have placed a complaint with the State Attorney 's Genera Office in NJ and also contacted the Federal Trade Commission
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX 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 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: Debt collection

Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Product: Credit card or prepaid card

Hi opened a Venture X credit card with Capital One, which is supposed to be their top of the line credit card with the best customer service. However, I have found that Capital One uses these large welcome bonuses and high annual fees in a predatory manner. 

If I spent XXXX in the first 3 months of having the card, I was supposed to receive a XXXX miles welcome bonus. However, at XXXX spent ( conveniently for Capital One ), I was told that my account was restricted and that my income needed to be verified. I was told that I needed to provide 3 months of consecutive bank statements. At first, I was told that I couldn't send in statements from a Capital One bank account, which is absolutely absurd. I had to escalate to a supervisor to be allowed to use my Capital One bank statements. I was also told that I could only send in this bank 's statements, which led me to assume that they were just checking if I had enough to make the payment at the time ( around XXXX ). At no point was I told that I had to prove that the income amount that I had put on the application in this exercise. 

When I heard back that my account was being closed, I was very confused. I talked to several representatives who all gave me slightly different answers. At this point, it was obvious that Capital One cared only to do the bare minimum for customers. I finally reached a representative that realizes that I would actually be able to prove my income if given the chance to provide additional documents from other banks. She put in a referral to reopen the case, which was then denied. Following the denial, I talked to a representative who could not tell me why the case was unable to be reopened, given that I was not told to provide all sources of income ( and that I had documents to prove my income ). 

I have spent XXXX dollars which I could have spent on a different card to earn rewards, yet I was scammed by Capital One right before I received my welcome bonus. I have multiple sources of income, including base salary, stock options, and sign on bonuses. I am willing to prove that the number I put on the application is correct. In addition, credit pulls were made to my identity for this account that was involuntary closed within a month. 

Upon reading online, I have also seen that other customers have faced similar scenarios where they had their accounts suspiciously closed right before or shortly after they were owed the welcome bonus miles. In these situations, Capital One never had to provide monetary compensation for these rewards, which is predatory to the customer. A class action lawsuit may be appropriate in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX  XXXX Experian XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Checking or savings account

I opened a checking account at Wells Fargo on XX/XX/XXXX with a promotional offer. The offer stated if Direct Deposit of {$1000.00} or more was received I would get {$320.00}. My direct deposit of {$1000.00} posted on XX/XX/XXXX. My promotional bonus was due on XX/XX/XXXX per the terms of the deal. To date, my account has not been credited the promotional bonus of {$320.00}
Product: Debt collection

reported a false balance of XXXX owe on my credit report XX/XX/2022. Cant prove to me the original contract. This company has harass me about fabricated debt I not owe
Product: Payday loan, title loan, personal loan, or advance loan

I was scammed into signing a contract and taking out a loan with XXXXXXXX XXXX XXXXXXXX, who utilized Affirm 's services as part of their fraudulent scheme. This occurred on XX/XX/XXXX, I believe. XXXX XXXX XXXXXXXX misrepresented the terms and conditions of the loan. I've not worked for nearly 5 years and had serious misgivings about the loan, but when I they assured me that I wouldn't be responsible for the loan if I didn't go through onboarding. They had also promised me VERY warm leads ( which was actually just bugging people on a list of certain XXXX groups ), making it super easy to get all the qualifying calls I needed to get the loan taken care of. With that knowledge, I went ahead and signed the contract for the loan, but that night I still had misgivings and got in touch to tell them I didn't want to go through with onboarding and asked them to take care of them loan. By then, of course, they already had me. 

After realizing the deception, I attempted to dispute the loan with XXXX XXXX XXXXXXXX on Affirm. XXXX XXXX XXXXXXXX knew I was filing for about a week and tried to get me to cancel it, naturally. They also tried XXXX me, telling me they were going to submit evidence to Affirm about me saying something like 'Let 's just do it '. I DID say that, but they took it completely out of context. That was said AFTER they assured me about the terms of the contract. However, they weren't going to provide anymore of the recorded transcript and when I asked for the transcript myself to send to Affirm, they responded by threatening legal action against me unless I canceled the dispute. Feeling XXXX and XXXX, I complied with their demands. 

I have not received any resolution or refund of the fees and charges that were fraudulently applied to the loan. The amount in question is approximately {$7600.00} ( due to my " misunderstanding '' - which they said was COMMON- they offered to pay the first monthly payment of {$690.00}. ( The loan amount before the first payment provided by the company was {$8300.00} ) I am filing this complaint with the CFPB to seek assistance in rectifying this fraudulent activity and obtaining a refund of the unjust fees and charges. 

( I'm unsure if I should be filing this complaint against XXXX XXXX XXXX or Affirm or both, since Affirm DID have a hand in it. They allowed the fraudulent scam ).