23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I cant add my pnc account to anything. XXXX  my investing app I use and I can't add it to any of my other bank cards like XXXX XXXX, XXXX, XXXX XXXX  account. You waste your time putting all your info in and by the time your at the end it says that pnc won't connect it or something. It's been going on for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Department Of Education/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All XXXX different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding XXXX XXXX laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX XXXX of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I received a notification stating that my claim has been resolved. Upon reviewing the claim resolution letter that was sent to me from Bank of America it states that there research included account history, monthly account statements, information from the merchant such as signed receipts or contracts and that they made theyre decision because I or someone authorized made the transaction which is 100 % false. There is no where they can show or provide any evidence that I authorized or signed any contract. Bank of America has now went to low that they are resulting to false research and are now saying that they have receipts or signed contracts from merchant. This could not be any further from the truth, because it never happened. I never signed anything from this merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ) Everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but it is not possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is also inaccurate. This proves grounds for permanent removal. According to the law 15 USC 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at the consumer reporting agency is disputed by the consumer and the consumer notifies 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 accurate and record the current status of the disputed information, or delete the item from the file in accordance with the paragraph ( XXXX ) 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. Also, 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 U.S.C 1681 XXXX  XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX XXXXXXXX XXXX- Date of inquiryXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Sections states : No consumer reporting agency may make any consumer report containing any of the following items of information, any 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.

15. U.S.C 1666B - A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to my earlier complaint to have the bogus items removed, I, XXXX XXXX XXXX am submitting this CFPB complaint. I requested the removal of ( personal information, address, accounts name, and account number ) that is UNKNOWN to me in a letter on ( insert date letter was delivered to bureaus ). I just learned about this regulation, and it states that you must delete any accounts or information in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following XX/XX/XXXX. This is something I've already mentioned in my prior complaints, and I'm including it once more. Kindly take out the following as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$0.00} US DEPT. OF EDUCATIO XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please erase any accounts and information that were created as a consequence of identity theft, as required by law according to Fair Credit Reporting Act Section 605b, which I have read about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX 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 card or prepaid card

I applied for an XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX. I did this because they were offering XXXX milies as a bonus. Because I had an XXXX XXXX XXXX in the recent pass in my name not the XXXX, I wanted to make sure that we would qualify for the bonus miles because I am well aware of the " waiting period '' required to be eligible. After explaining this the person I talked with assured me I would be eligible. 
Having spent the required {$3000.00} ; last week when I inquired as to where were the bonus miles, the person said you are not eligible because of the timing but would submit an appeal. Today, XX/XX/XXXX, I did receive a letter from them saying " we added XXXX XXXX XXXX XXXX miles to your account. '' The bonus offer was for XXXX. 
I don't record my telephone conversations but XXXX XXXX probably does which would verify my comments. 
Bottom line, this is the second time this has occurred ( the other time with XXXX XXXX ). A credit card company should not approve an application for bonus miles if the person or entity applying is not eligible for the bonus due to the time interval of previous card ownership. To " string '' a person out so that they will spend the {$3000.00} upfront money in a 90 day period and then tell them " Oh, guess what, you weren't eligible for the bonus miles you applied for. '' This is an unfair business practice and the CFPB needs to do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my XXXX, XXXX, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, Lexis Nexis. 
I also disputed the information with Lexis Nexis the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), Lexis Nexis filed my dispute with the 3 credit bureaus and on XXXXXX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by Lexis Nexis the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that LexisNexis and the NCRA use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that LexisNexis sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX XXXX  deleted off my 3 credit reports with XXXX, XXXX, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus XXXX, XXXX, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not apply for or ever receive a XXXX XXXX  credit card. this is a fraudulent account
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I had taken out a loan from zoca loans around XX/XX/2020 for the amount of {$1000.00}. I tried making payments on the website which had been down numerous times. I reached out to customer support in which they set up a bank draft but something went wrong on their end. As of recent, they have been calling my family members ( not sure how they got their information ) by a third party company they have hired and are trying to take legal action and charge me a total {$10000.00} for a {$1000.00} loan. They just recently called my sister and left and threatening voicemail on hers and my cellphone saying my legal rights would be taken away and could face some kind of jail time which is absurd. I did not recognize the number because my phone silences unknown callers and when I looked at the number is says " XXXX XXXX ''. I need this matter taken off my credit and for them to stop harassing me in the extent they are going. It is unfair and morally wrong.
Product: Credit card or prepaid card

I made purchase an on XX/XX/XXXX for {$350.00}. 

I returned item to the vendor under an issued XXXX number by that company. 

There was a small gasket and a large pool pump motor in my returned package. i have proof of package receipt by the vendor. The vendor only credit me {$2.00} for the gasket and did not credit me for the XXXX pound {$350.00} motor. 

I went round and round with the credit card company for months and they would not protect my purchase and issue me the credit for which I am entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company foster and Garbus LLP send me a letter saying I was being sued sometimes at the beginning of XXXX, around XXXX of XXXX I send a certified letter asking for information in regards to the debt they accused me of owing, the bills I was sent did not belong to me it had someone else complete information. I am being harassed by this company and threatened to be sued. I requested information again they did not provide and threatened to sue. Finally, when they send me information did not add up to what they are accusing me of. They ask me to send my current information but I believe this is a tactic to use it against me as multiple times they did not send me accurate information but once I gave them more information they use it against me. They are saying my current driver 's license was used to open and online account in XXXX that's not possible and the information they send me is not from that year. They are unable to provide me with any information and continue to harass and threaten me
Product: Student loan

Navient was my loan servicer prior to XXXX. They took advantage of me and didnt help with lowering my payments and always steered me into forebearance when I called and had a hardship. They made it so I cant financially afford to pay my loans because of compounding of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a JPMorgan credit card account that was used for a business. The business was sold and I was not aware that any further charges would be coming through the card. The new owners of the business did not forward the account statement to me. I found out today that there were {$180.00} in charges on the account and they were reporting past due 60 days to the credit bureaus through an alert from XXXX. I immediately called Chase to pay the balance and try to clear up what happened. Chase had zero compassion for me -- even though I have never missed a payment, have always paid every bill on time and it was totally out of character for a payment to be past due. Chase did NOTHING to try to alert me to the fact that my account was not in good standing- they sent two statements. They said they fulfilled their minimum requirements by sending the statements. No phone calls, no emails, no additional ways to try to alert me that something was wrong with the account. The impact to me is huge. My credit score dropped from over XXXX to XXXX over this. The account will also show as closed by them. Chase is refusing any responsibility here- stating they did the minimum required. I feel like Chase should be able to recognize my excellent credit standing with them prior to this and realize that I need some help to avoid this huge impact to my credit score. Chase is not caring for their customer at all or showing any compassion for a simple oversight. The consequences to this far outweigh the mistake. I would like Chase to correct the credit reporting to show the account in good standing and also implement processes to recognize when additional reach outs to help their customers may be in order.
Product: Credit card or prepaid card

Chase bank customer support has granted access to my account to a fraudulent third party twice in the past six months. 

The first infiltration took place in XXXX of XXXX, and the bad actor siphoned out all of my credit card rewards points. 

After this first break in the XXXX fraud team asked me to set up a verbal password to prevent this in the future. I did so and my points were later returned. On top of this, I was asked to change my login username and password, and set up new recovery questions, which I did. 

In XXXX of XXXX another actor was granted access via customer support and changed my primary address, password, primary email, and also siphoned out all my credit card points. 

My account username and password are unique and were not compromised. I confirmed with the Chase Consumer Protection Group that the bad actor was granted access through Chase Customer Support and the bad actor was not asked for my verbal password. The representative from the Chase Consumer Protection Group said that Customer Support was required to ask for it and they didnt know why Support failed to ask despite my account being flagged for this kind of fraudulent attempts.

Its unbelievable that Chase allows their support to grant access multiple times to my account through social engineering.

One time was understandable but after the protections were placed on my account absolutely unacceptable and Chase needs to be held accountable.