23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a trip with XXXX XXXX on XX/XX/XXXX for {$3500.00}. Due to weather conditions, the trip was cancelled. I submitted a dispute to the credit card company onXX/XX/XXXX At that point the credit card company issued me a conditional credit for the dispute. On XX/XX/XXXX, I received an email from XXXX XXXX, the vendor, saying that they were going to refund my money. On that same day, I cancelled the dispute request. On XX/XX/XXXX the credit card company said the dispute was resolved in my favor. For a short time, I had a double credit on my credit card due to the conditional credit as well as the refund from the vendor. However, the conditional credit was removed, under transaction number XXXX. The remaining credit for {$3500.00} was from the vendor, transaction number XXXX. I have called the credit card company at least 5 times to try to get a refund check instead of having a credit on my credit card. Each time I have called, I have spoken to a different agent. After the initial call, I was sent a letter saying that they couldn't issue the refund as it was the result of a conditional credit. I called them on XX/XX/XXXX and spoke Id # XXXX who agreed with my that the credit was not due to the conditional credit and said that I would have a refund direct deposited into my checking account. I called back on XXXX and spoke to XXXX ( an account manager ) who guaranteed that the. money would be in my account byXX/XX/XXXX. In the meantime, I was awarded a refund of {$15.00} which happens to be the same 4 digits as the proper amount to be refunded. on XX/XX/XXXX when the proper refund amount did not appear in my account, I spoke to another agent, XXXX who told me that she would make sure that the refund was processed. She also said that the XXXX was an agent mistake. She told me that I could expect a refund in 5-7 business days. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX saying that they couldn't process the refund as it appears the credit balance was the result of a conditional credit dispute. I called the company on XX/XX/XXXXand spoke the first of 2 agents ( ID XXXX ) who also promised me to have it processed. Then I received a call back from a supervisor, ( ID # XXXX ) who has now told me that they have to investigate first. This is the first I have heard of an investigation and all previous agents have told me that they would process the refund. As seen in attached documentation, for a short time, there was the double credit of over {$7000.00}. However as stated above the conditional credit was removed and I am only left with a credit of {$3500.00} from the vendor. I would like my refund!
Product: Checking or savings account

I wan na say it was between XXXX when my account was closed. I was forced to close my account for overdraft fees all the time I wasnt sure how I kept getting the overdraft fees. I would get paid by my job and somehow Id be paying back fees that I wasnt aware of. I was also still receiving emails and letters once upon a time about resetting my password but the account was supposed to be closed. I was sent money in XXXX  for the hurricane and some how my money ended up going to that account I had to call wells fargo to send me the money
Product: Credit card or prepaid card

I purchased a U.S. Bank National Association XXXX XXXX XXXX for {$100.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ. When my niece went to use her graduation gift card a few weeks after I purchased it, she kept getting an " invalid card number '' from the site she was attempting to purchase from. She tried calling the XXXX service number on the back of the card for help. The recording stated they were having a large call volume and to call back another time. The call was then disconnected. She mailed it back to me and I tried calling the number as well. I got the same recording and disconnect. I tried calling several days in a row and continued to get the same recording no matter which option I tried. I was unable to get in touch with anyone at the number listed on the card. However, I found an article online that discusses this same scenario happening in 2015 with compromised U.S. Bank National Association XXXX XXXX sold at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in AZ, is a sister company of XXXX. I attempted to speak with the XXXX at the location on XXXX XXXX where I purchased the gift card. She said she didn't know anything about it and there was nothing they can do as gift cards are non-refundable. I get that but why is XXXX still selling these compromised cards 7 years after it was brought to their attention? These cards should be removed from the XXXX  shelves until U.S Bank figures out how to handle the compromise.
Product: Mortgage

PNC  bank sold the property on  XXXX / XXXX /  XXXX   as the pnc bank stated. The certificate of foreclosure was filed on the land records on  XXXX   XXXX ,   XXXX   in book  XXXX  at page  XXXX  at  XXXX  of  XXXX , CT. I had a bankruptcy in  XXXX  and it a utomatically discharged for the balance. PNC bank repre sentative stating that  PNC  bank knows I had a bankruptcy in  XXXX  but showing not a ctive on their file. PNC Bank still reporting negative credit to credit bureaus. I called the PNC Bank couple times they are still refusing. That 's another game with PNC Bank as usual, PNC Bank is the most player and always plays stupid, but we are for them. Also PNC Bank mortgage department should and carefully   exam and investigate by the Federal Government and should deeply  search about how they play with American citizens.
Product: Credit card or prepaid card

Capital one credit card manager did not honour my charge back rights and supported criminal unauthorised charges helping out merchant thieves twice, so taking my money from my account and not providing me the resolution as legally required. I called about 10 times with up to 1 hour waiting and explaining, also sent 5 emails and still got ignored and disrespected away from my legal rights.

These were the two unauthorised and rebilled charges and attempted theft : XX/XX/XXXX PURCHASE ADJUSTMENT AirfareXXXX XXXX ... XXXX {$66.00} XXXX Posted : Mon, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL AirfareXXXX XXXX ... XXXX {$66.00} XXXX , XXXX XXXX Purchased : Wed, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX  {$66.00} XXXX XXXX PURCHASE ADJUSTMENT Car RentalXXXX XXXX ... XXXX {$81.00} XXXX Posted : Thu, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX XX/XX/XXXX TRANSACTION REBILL Car RentalXXXX XXXX ... XXXX {$81.00} XXXX XXXX XXXX, XXXX XXXX   Purchased : Sat, XXXX XXXX, XXXX  Posted : Thu, XX/XX/XXXX Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Paid the amount agreed. Contacted the company they said I honored our agreement but the have XXXX to report this to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX Dual Card with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX  was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. XXXX  was also reporting 30, 60, 90, 30 for late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however Transunion was reporting 90, 30, OK, OK for payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scammers. This lack of accountability and transparency is understandable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle. There has been times I sent money to the wrong person and never got my money back when Zelle first started out. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me endless times that I cant recover any lost funds and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked   XXXX   to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until    2024  and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt repo rt ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false an d damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been consolidated but are now showing up as multiple accounts on my credit report. I have a letter stating that I do not owe anything to my previous student loan provider so these multiple instances need to removed since it is inaccurate.
Product: Debt collection

Originally the loan was for Mobiloans.com, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, the XXXX XXXX  XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MobiLoans LLC. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX  XXXX XXXX  and the tribal companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; Cash advance ( s ) on a line of credit from MobiLoans before XX/XX/XXXX ; or XXXX XXXX  ( s ) from XXXX XXXX  XXXX XXXX  in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. XXXX XXXX XXXX ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from XXXX XXXX XXXX to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from XXXX, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is XXXX  : XXXX
Product: Debt collection

I noticed in a credit report that I owed money to Mohela, a Federal Educational loan company. I called them to explain it was not me that requested and used the money for educational purposes. I also sent them a completed form and photocopies of my identificaiton ( XXXX Drivers License and my US passport ). One item that I was informed I could submit to help my cause is was to report to the XXXX XXXX XXXX. This is the reason I am submitting this report. From what I understand the school where the loans were used is in Indiana. I have never lived there and physically gone to school there and I have not recieved education through an XXXX school through distance learning.
Product: Checking or savings account

{$15.00} Date XX/XX/2018 XXXX XXXX transaction # XXXX XXXX AZ XX/XX/XXXX ( ... XXXX ) This company was one I used in the past. I have cancelled all services and was recently charged. I orginally established the account with an old phone number. They demand to send me a pin via text in order to discuss the account in length. I am unable to update my phone number myself through my account or with them on the phone. They demand that I fill out a document, which I filed, in order to bypass their requirements. I have filled out this form and nothing is moving forward. 

They charged me last year, I gave up on disputing it because they made it too difficult, never recieving the form. 

They want me to do the same process which I believe is going no where again. 

When I explained what happened the representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report over 30days past. XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX ( OTHER ) XXXX XXXX Opened Date XXXX, XXXX Opened Date XX/XX/XXXX the items are not correct result of ID THEFT and are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX OH XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled My Kovo credit XXXX account In XX/XX/ 2022 they are now charging my accounts without authorization and reporting negatively to the credit bureaus i no longer do business with Kovo credit XXXX I've reached out to customer service and all my request have been ignored i was up to date with all my payments they have no right to report a discrepancy on my report especially when the account was terminated in XXXX thank you for your time and consideration on this matter