23daVinci/CFPB_Complaints huggingface dataset:
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 Bureau 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 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report every week I notice last year that Experian had 2 accounts with false information on it just happen to be from XXXX which is XXXX, XXXX, and others however my problem was I had a bankruptcy discharged in XX/XX/XXXX which by law supposed to stop all creditors from making any credit report updates all is on cease and desist. With that being said we are in XX/XX/XXXX and almost XX/XX/XXXX I am still getting these companied reporting I failed to make payment in XX/XX/XXXX. Now you tell me how that makes sense when it was discharged inXX/XX/XXXX? I have contacted these companies and the reporting agency they fixed it last year but only when they were forced to by the Attorney General, I filed a complaint with the A/G and what do you know 5 days latter it was fixed. Now a year latter they are playing the same game knocking my credit score back down again. Their nis a law passed protecting people like me called the FCRA and gives me the power to prove and sue any reporting agency from reporting in accurate information. I think I have went above and beyond to try to fix the problem and they just slapped me in the face putting it back on as false inaccurate information so at this time, I am seeking suit as it is my right to do so. I want these companies held accountable as the State law shows that I can I even tried to fix the problem and the proof speaks for it self. I am seeking damages at this time and want the company in court. NOTE : They also make it impossible to file another error to your report because they state you have already done this even if you have new information, this is a loophole they are using and is ILLEGAL. As per he Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Checking or savings account

I am attempting to transfer an HSA account from " XXXX XXXX '' to " XXXX ''.

My XXXX XXXX  account included a self-directed brokerage account provided via " XXXX XXXX ''. This account is opened by XXXX XXXX on my behalf.

I submitted my transfer request to XXXX   on XX/XX/XXXX, and they forwarded this request to XXXX XXXX. My XXXX XXXX account, which is opened/closed by XXXX XXXX, was closed and liquidated back to my XXXX XXXX  account on XX/XX/XXXX. This is noteworthy because it confirms that XXXX XXXX received my closure request no later than XX/XX/XXXX.

It is now XX/XX/XXXX, and XXXX XXXX has still not forwarded my funds to XXXX. There has been no activity sinceXX/XX/XXXX. The funds have been sitting in my XXXX XXXX account, earning below-market rate interest.

On XX/XX/XXXX I was charged the {$2.00} monthly fee, despite my intentions to close the account.

I have attempted to contact XXXX XXXX by e-mail, online chat inside online banking, and by phone. E-mail and chat representatives are not willing to help, and direct me to call instead. I have tried calling and the phone system will take my information, place me on hold for 10-15 minutes, and then hang up on me, presumably because nobody is available to take my call. Nobody is willing to help me.

I suspect XXXX XXXX is dragging their feet to charge additional monthly fees and earn the spread in interest rates between what they earn and what they pay me. I can not prove this.
Product: Debt collection

FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. 

This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. 

PRA then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? 

Second issue is PRA has illicitly refused to work with XXXX in correcting this. I had reached out to XXXX asking as to why I had a collection against me as I had stopped trying to doXX/XX/XXXXand had requested XXXX decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my XXXX account and as I had no money in it with orders to close it then processed to XXXX credit. 

XXXX never sent any notification or Correspondence. This whole time I didn't know I still even had a XXXX account until I got a collection letter from PRA for {$270.00}. 

The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. 

When talking to a XXXX rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. 

The 3rd party collection agency will not return it to XXXX as the rep had stated and I would have to " take it up with them '' So I don't understand how XXXX can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. 

I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. 

They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
Product: Debt collection

On XX/XX/year>, at XXXX PM, I contacted IQ Data International regarding a debt they claim I owe to a company. XXXX XXXX connected me to an agent named XXXX XXXX. During my conversation, I explained my concerns about the debt, including my understanding of Georgia law and my belief that it was improperly handled. XXXX XXXX was incredibly rude, dismissively stating that the amount was only {$130.00} and telling me to get over it. He then offered to remove the debt from my credit report XXXX time if I paid immediately. When I declined this offer, he abruptly hung up on me. I called back to obtain his name and was connected to him again. When I confirmed that he was the person I had just spoken to, he said, XXXX going to be talking to me every single time. 

Realizing my rights were potentially being violated, I had my partner, who's name is also on the collections account, called back to speak with a supervisor. During this call, I recorded the conversation for my records. XXXX XXXX initially answered and, instead of connecting him to a supervisor as requested, directly transferred him back to XXXX XXXX. When he asked XXXX for a supervisor, XXXX stated, No '', multiple times and eventually said, " You do not need to talk to anyone else and left him on hold. He stayed on hold, and eventually, was connected to a supervisor whose name we could not hear clearly. When he explained the situation and the coercive tactics being used by their employee, she did not deny his actions and stated that they would " investigate '' the matter. 

The behavior of IQ Data International and its agents appears to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX rude and dismissive remarks, including telling me to " get over it, '' constitute harassment, a violation of 806 of the FDCPA. His offer to remove the debt from my credit report in exchange for immediate payment could be construed as a deceptive practice, violating 807 of the FDCPA. Additionally, the refusal to allow me to speak to a supervisor and the repeated obstruction by routing my calls back to XXXX demonstrate unprofessional and potentially unfair practices. Finally, the coercive tactics used, including dismissing my request for escalation and pressuring me to pay without validating the debt, fail to respect my rights as a consumer. I am submitting this report to request a formal investigation into the actions of XXXX XXXX XXXX and its employees.
Product: Prepaid card

After XXXX weeks I was sent an invalid card. This was XXXX  XXXX XXXX. Then I was charged XXXX $ for an expected card. 3-4 business days. Today is day 4 no card came. I was hung up on 5 times trying to make a cash transfer to myself. They have my last XXXX direct deposits. I'm broke and have no way to move forward without my funds. They can't give me a tracking # from XXXX and I never received an email my card was sent. Everytime a call it's a new story! This is an Amex serve prepaid card!
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to Experian my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.
Product: Credit card

XXXX issues with US Bank : - Merging online accounts ( account for credit card into account checking account ) - Rewards marked as XXXX % instead of XXXX % - Very low credit limit assigned {$500.00} for high 700 's credit score across bureaus - Check correct name spelling on account I have spend hours in vain with call center reps/supervisors across weeks. Zero action.
Product: Credit card

On XX/XX/2023 I received an email confirming I had been approved for a Chase Sapphire credit card. I was also informed I was a Chase Private client account and had a checking account opened in my name. I called chase and after talking to several people the account was closed. They had all of my correct information and eventually sent me the card, after I had cancelled type account. I received letters stating the accounts were closed but they did not have incident numbers on them. 

On XX/XX/2023 I received an email at XXXX XXXX thanking me for my application for a Chase Freedom XXXX Credit card. I called at XXXX to report the fraudulent activity since I did not apply for any credit card. Again, all the info they had was correct. The credit application had not yet made it to the review for approval. 

I believe that someone at Chase is opening these accounts fraudulently. Two times seems odd and the info was correct for me to receive the card at my home address.
Product: Debt collection

National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
Product: Credit reporting

On my credit carma report it shows that there is debt transaction on my SSN which was given to collection agency. One transaction on transunion on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.
Product: Credit card or prepaid card

Synchrony bank closed my account for a returned payment when the payment cleared the account. It 's important to note this account was paid in full earlier this year. I contact Synchrony Bank and was advised the payment was reflected but I was required to fax evidence of the payment. This is XXXX of many accounts I have with Synchrony Bank and I continual experiece problems with payment process, fraud, name change to an unknown name, it goes on and on.
Product: Vehicle loan or lease

I am filing a complaint because I believe that Bridgecrest breached our legally binding agreement and violated my rights have been violated under the FCRA. I had a loan with Bridgecrest for a XXXX XXXX XXXX and I purchased a GAP insurance policy with a company also owned by Bridgecrest. I was involved in a car accident on XX/XX/XXXX that resulted in the XXXX being deemed a total loss. I know for a fact that on XX/XX/XXXX XXXX paid out the claim to Bridgecrest. On or about XX/XX/XXXX I was told by an agent of Bridgecrest that the remaining balance would be paid out by my GAP insurance policy. In XXXX of XXXX I was made aware that the GAP policy had only paid less than half of the remaining balance and that Bridgecrest immediately charged-off the remaining amount without ever making any attempt to collect on the debt or notify me that any balance was left. I was lied to by the agent and my policy that I paid for did not pay out what I was owed. This has done significant damage to my credit and has defamed my character to banking institutions and lenders. It makes me look as if I dont pay my debts, even though the debt should have been paid in full immediately after the accident. I was denied a bank account due to this inaccurate reporting and my reputation has been tarnished with this institution. I am asking that Bridgecrest be made to honor the contractual agreement that we made and delete this inaccurate account from my credit reports. If this matter is not resolved quickly, I will be seeking legal action against Bridgecrest for Defamation of Character and Breach of Contract.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

I feel that PNC bank has racially discriminated against me. Please note, during this tefinance process I had an in person meeting with my loan officer XXXX XXXX and employee XXXX XXXX on about XXXXXXXX XXXX,2023 at which time I complete and sign additional loan documents. Although my loan process began XXXX XXXX, 2023 I originally request loan in about of {$10000.00} to do home repairs on 2nd home in which I own outright. PNC loan officer suggested home equity loan XXXX amot XXXX in which I agreed. I also had my son XXXX XXXX as a cosigner. This loan process began in XX/XX/2023 and despite being told on multiple occasions by loan officer that I would be approved, I was sent a denial XXXX XXXX XXXX2023 for FHA, but the loan processing was still on going no until XXXXXXXX XXXX,2023 did I get another denial. During the loan process PNC began to ask for multiple documents in, PNC required that I pay the XXXX mortgage once they received payoff quote in XXXX, my cosigner vehicle was totaled via hit and run, despite the lender confirming loan paid in full PNC required that get a letter from auto insurance company to also confirm loan paid by insurance company. PNC then required my retiree program confirm that my pension is effective for at least next 3 yrs. I was constantly asked obtain extraordinary amounts data. I was even asked during the " 2nd week of XXXX 2023 '' about a {$430.00} payment made from my checking account during XXXX 2023 which was for health insurance XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were PNC employees that were involed in this matter. I have filed a discrimination complaint and was contact by XXXX XXXX of PNC executive office who that passed my concerns to XXXX. I have requested a refund of my {$660.00} appraisal fee and resoultion.in the way I was treated. On Friday XXXX XXXX, 2023 XXXX advised PNC would not provide refund, Also, I have not received a copy of my invoice.Leanne did not offer any resolution and would only say that " she couldn't discuss outcome in possible disciplinary measures against employees for privacy reasons '. I advised XXXX that " my focus is on why I was misled, for so long and assured that my loan would be approved? XXXX would not address any of my core issues .I have many emails and text messages to support my claim. NOTE : PNC claims debt ratio is reason for denial, yet no new debt was incurred, also my consignor had as mentioned car paid off via insurance and pay increase. I brought that to loan officer attention, her only response was that it wouldn't matter '' and that PNC made an error and miscalculated my property taxes causing debt ratio issue.
Product: Credit reporting or other personal consumer reports

I sent certified letter in the mail ( copy attached ) disputing a collection item that was delivered on XX/XX/XXXX. They Call themselves XXXX XXXX XXXX, but on the credit report, they are named XXXX XXXX XXXX. llc with account number XXXX. The problem is, I can't see see my credit report directly with Transunion for whatever reason. I usually have to go through sites like XXXX XXXX, which can be unreliable. I have not seen any markings that a dispute investigation had begun, so this really isn't a complaint, but just to double check to make sure this investigation has started, because the person I talked to on chat said there has been no investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX with Social Security Number XXXX and born on XX/XX/, who received your responses and Im the one who submitted a complaint last XXXX XXXX XXXXXXXX discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX