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

This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File XXXX It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Product: Debt collection

I have disputed this item on my credit report through XXXX. The collector is Midland Funding. I have tried several times to get this resolved to no avail. I disputed this account also through XXXX  and was successful in getting this deleted from my credit file. On XX/XX/20 I filed another dispute through XXXX  and it was resolved in a matter of 2 hrs. Which is not possible to do. The results where an update to my file. I dont understand how one credit reporting agency can delete this account from my file but yet another wont. Please help me with this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. 

On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. 

On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. 

On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. 

On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. 

I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. 

On XX/XX/2023, XXXX XXXX  confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX  informed me I would have to work directly with PNC to get this resolved. 

On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. 

On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. 

On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. 

On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. 

As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager.

It's now been over one month, and neither bank can find the money and it has never shown up in my account.
Product: Bank account or service

I opened up a citigold bank account using promotional code XXXX in XXXX of this year, in order to receive a bonus of XXXX American advantage miles, I needed to Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months, which I did. I inquired and received this message : Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Good afternoon. Welcome back to Citibank Online messaging, my name is XXXX. Thank you for your messages regarding our promotion. I will be happy to assist you. 

We regret any inconvenience this has caused as it is never our intention to delay incentives for promotions. I have submitted a request to ensure these points are awarded to you in a timely manner. However, we will require a review of the requirements and eligibility to confirm. 

Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. I deposited over {$100000.00} in the account and met the requirements. I was then told that I was not a targeted client and was not eligible for the miles, although i did receive an email, opened the account using the promotional code above, and meeting the requirements, if I was not eligible for the bonus, the application should have rejected my application using the promotional code. I would like to have the XXXX aadvantage miles credited that I believe I am entitled too.
Product: Debt collection

I lost my job and contacted them in XXXX. They set up a payment deferment for payments to resume on XX/XX/XXXX. Since XXXX of XXXX they have been constantly call texting and harassing me and threatening me and tacking on fees and damaging my credit for " non-payment '' despite there having told me NOT to make the payments!
Product: Debt collection

Reached out to sunrise collection services a little over 45 days ago asked to set up a payment plan and discussed it with an agent About splitting it into two payments I asked for written verification of my dad and written payment plan never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting the following documents from United Auto Credit 1.Validation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved
Product: Bank account or service

I have been a Chase Bank customer for 8 years. Over that time, I have paid a high number of overdraft fees and monthly fees to the institution. I feel that these fees are unfair, unethical and a predatory practice by Chase bank. 

I have paid to chase in excess of {$150.00} in overdraft and monthly to chase fees in 2015 and much more over the course of my account being open. In the past 3 weeks, I have been charged over {$130.00} in overdraft fees on XXXX separate days where funds were unavailable in my account. In these XXXX cases, even though I transferred in money to cover the balance, Chase will not forgive the fees as Chase has refunded fees to me a total of 6 times in the past 2 months. Chase says that they have already refunded me {$200.00} in the past year, so they are entitled to any fees in the future, including this {$130.00} and any previous fees where chase only gave a partial refund. 

I do n't understand how a bank takes money from people who do n't have any to begin with. My account was overdrafted because I am struggling without money, not because of mismanagement. I even went to the branch and told them my story and how I was out of work and just started a new but Chase only relies on their computer systems and their system does not allow branch managers to refund a customer more than 6 times, even if the customer is showing financial progress, or if those charges came during a time of stress for the customer. Even though I turned overdraft protection off, Chase still charged me overdraft fees for ACH payments. 

I feel that this is unfair and unethical. This bank 's practices are specifically designed to be predatory and take advantage of people who are facing financial hardship. The excessive overdraft fees, charged multiple times a day are incredibly damaging for anybody who is trying to crawl out of financial distress. This is in addition to a $ 12 monthly fee that chase charges customers who have a balance below a certain amount. Chase bank 's goal is to keep these customers close to the brink, so that they can continue profiting off of these predatory fees in the future. For example, while my account had a balance of - @ XXXX, chase charged me another monthly fee of {$12.00}, resulting in a negative balance of {$15.00}. If I do not pay this - {$15.00}, which was caused by fees from chase, chase will charge me another {$35.00}, and then {$15.00}. This is disgusting. 

I lost my job in XXXX 2015 and found a new job in XXXX 2015, during that time I have had financial difficulty and hoped that my long relationship with Chase, in addition to the countless fees I have paid to the bank, would mean something to the company and that the company would support me in this time to stay afloat. Instead, there is not even a partial refund offered and the bank refuses to address the issue past their computer system. 

On top of that, as my account had a low balance, chase took an additional {$11.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with Experian on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX in regards to an item on my credit since 2014. I've contacted them numerous of times and also disputed this item on my credit multiple times in regards to its inaccurate and illegal reporting. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( c ) Running of reporting period. ( 1 ) In general : The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. This unlawfully being placed on my credit has caused me to lose out on Credit Card opportunities, denied for bank accounts, my credit score tanking, I haven't been able to get a car and the list goes on. I've provided them proof from THEIR website showing my vehicle was paid for so why is it still on my credit? They charged this vehicle off and inaccurately reported my payment history to all 3 bureaus. I have disputed this with all 3 bureaus with no resolution just more run arounds. I can provide my payment history showing I received a credit that covered the vehicles balance- their system shows it. They have been making my life a living XXXX for 10 years- that is way past 7 years as stated above. XXXX XXXX is taking advantage of its consumers and purposefully ruining credit worthiness because they get away with ignoring disputes and complaints. It is unlawful! I have attached my payment history- you will see the credits in " ( ) ''.
Product: Debt collection

This vehicle was a lemon and the engine blew up within 6 months of my having it. The company made no attempts to rectify the problem.
Product: Checking or savings account

Chase bank account XXXX placed a hold on my account 4 years ago and refuses to tell me why the hold was placed and when it will be lifted
Product: Mortgage

Dear CFPB, I received a check for {$200.00} that Wells Fargo sent me with an apology about messing up my original loan modification application in XXXX, when at the time were making up excuses and losing documents, and requiring I miss a mortgage payment in order to qualify for a loan mod. My credit got ruined because of Wells Fargo. My business was XXXX XXXX  and when credit dried up in XXXX I had no income, so messing up my perfect credit to get a loan modification was the first domino. When other creditors saw my late payment they cut off all credit. Then Wells Fargo gave me a trial loan mod and I paid, but they denied it due to income, which ratios I knew were just fine. They disavowed the trial loan mod by returning the checks because they sold the loan in XXXX  to XXXX XXXX XXXX XXXX and XXXX XXXX  in a credit default swap scheme of portfolio loans, likely the reason they kept denying me assistance. They foreclosed on my home and I then lost all my other properties along with my net worth of XXXX XXXX. So no, {$200.00} and an apology doesn't cut it. I'm sending proof of Wells Fargo selling my loan so they didn't have to service my loan modification, thereby taking a loss.
Product: Credit card

Nordstm TD charege card open XX/XX/year> and the amount due {$420.00}
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 TransUnion credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX  ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.