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

I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt  said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. 
I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.
Product: Credit reporting or other personal consumer reports

Dell Finaciancial services switch accoumts with XXXX to conemity bank to dell pay credit services. They informed on the upcoming switch on XX/XX/XXXX. It took place on XX/XX/XXXX. However, dell never removed the old account off my report to transunion. I paid my account off in XX/XX/XXXX. Although my credit report shows a conflicted report off beimg paid off and still owing a XXXX XXXX balance in which is in accurate from dfs/XXXX. I filed several disputes and nothimg as chamged to remove to false report.
Product: Debt collection

Sallie Mae the original creditor sent a letter to a reference on my loan and listed my debts on this loan. They also informed my reference that I put my loans into forbearance. Sallie Mae has transferred my student loans into a Navient account. I am writing this letter because Sallie Mae violated federal law by listing my debt and informing a friend of my debt.
Product: Debt collection

I have shown many times the charge is not mine and that I never lived at that address and do not know anyone at that addresss.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This is to dispute the baseless erroneous delinquencies reported to the credit bureau when the balloon mortgage I had with Citizens for 15 years matured, effective XX/XX/2022. Since filing two earlier disputes on this same issue, I have received additional information to support my contention that my account wasn't managed as it should have been once it matured, and I applied for a loan modification. Prior to the loan maturity date, I received XXXX letters reminding me of the maturity date and the options that were available to me to satisfy the balloon payment. The letters stated that the only payment Citizens would accept would be the balance of the balloon payment unless alternative arrangements had been made. The letters offered XXXX options. The option I chose was to apply for a loan modification. I timely submitted all required paperwork XX/XX/2022, and the modification was finally issued XX/XX/2022. The delay was due to citizens receiving a XXXX party valuation which was out of my control. While, the delay was pending, Citizens continued treat my account as if it were still active and sent me delinquency letters even though I tried to make the payments they said they would not accept, did not accept -- payments I tried to but were returned. I was also informed by Citizen employees that once I applied for a loan modification certain protocols should have been put in place but were not. The delinquencies were based on system generated letters not applicable to the true status of my account. Citizens has also stated that the delinquencies were based on my not paying the balloon in full. If this is the case, why did the 4 letters state that the balance was due unless an alternative arrangement was made and I timely applied for a loan modification as an alternative arrangement. Again, the delinquencies were based on a false narrative that my account was active, and I abruptly stopped making payments. In addition, as you will see in the attached documentation, the alleged delinquencies were based on the {$770.00} monthly payments on the mature loan for the 4 months my loan modification was pending, and not on my failure to pay the balloon on XX/XX/2022. They fail to acknowledge or even consider I made an alternative arrangement to satisfy the balloon payment and they did not accept the monthly payments, even returned the payments went on to state the payments were delinquent. I learned that once I applied for the modification, credit reporting should have been put on hold as they could not accept them, and records/documents should have been updated to show the true status of my account. Rather, my account was mismanaged, and Citizens continues to promote this false narrative that I did not pay this account for 4 months. ( Please see attached supportive documents. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX AV XXXX XXXX XXXX MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$1000.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX  Cash App debited {$72.00} from my account in error. I have reached out to have my funds sent back and account unlocked and I have not received a response. 

Initially, I was advised ( with a general response ) that the State of Michigan deposited Unemployment Funds in error. I have already confirmed the deposit to my cash app with the State of Michigan, on behalf of my husband who personally spoke with the State of Michigan. 

I asked for Cash App to refund my {$72.00} and they have not done so. 

It is wrongful, and discriminating to ASSUME that someones funds were wrongfully deposited without ANY documentation.
Product: Money transfer, virtual currency, or money service

lam writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX 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

My XXXX car payments were on autopay. After 36 months ( and all timely paid ), there was an unexplained balance of {$54.00}. I complained - and would not pay without knowing why - and they did nothing except notify the credit rating services that I was a late payer. I have never been late in XXXX  years of paying my obligations My efforts at dealing with them have been totally unsuccessful. 

I request your intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which goes against the Consumer Financial Protection Act ( CFPA ). More specifically, Cash App failed to take the time to provide effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Also their dispute resolution process was not fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial losses and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to Equifax, XXXX, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.
Product: Checking or savings account

1.today morning I use my debit to pay XXXX XXXX  bill, it didn't succeed.

2. Last month I got the same problem, I call the bank and XXXX XXXXXXXX and refilled last month. 
3. Everytime I login in my bank account through the bank service phone system, it always reply me Zip code Is Not Right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX are highly suspects, they have a lot of illegal business connected with ID theft, murder and XXXX XXXX Some lawsuits are going on at U.S District Court of New York XXXX.
Product: Debt collection

In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.
Product: Checking or savings account

I had an unauthorized charge at a gas pump. The gas pump meter was running but not pumping gas. The company refused to refund me. I disputed the charge with XXXX but my claim was denied. I filed several complaints but when XXXX assigns a resolution specialist I try calling them and it goes straight to voicemail, I have never been able to reach the resolution specialist assigned to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with XXXX, XXXX, and TRANSUNION . Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.
Product: Checking or savings account

I've recently had my card stolen and some unauthorized charges to my Chime debit card. After receiving a deposit in XXXX, i saw a XXXX  charge for {$370.00}. I turned the card off immediately and saw later they were declined charges for for things.i tried disputing the XXXX charge to no avail. I had to use the card in XXXX, and turned it on and forgot to turn it off. Later I saw unauthorized charges at XXXX. The XXXX and XXXX charges are in addition to other smaller unauthorized charges that went through. After disputing the smaller charges and getting resolution for those, I was able to dispute the XXXX charge ( {$370.00} ) and XXXX charges $ ( XXXX & {$200.00} ) on XX/XX/XXXX. The money deducted has greatly inconvenienced me. I had to explain this to manager at the apartment complex I live at. They have given me until tomorrow XXXX XXXX to pay rent or the eviction process will begin. I explained this to Chime and asked for at least provisional credit while they investigate, so I will not be evicted. Chime says I have to wait until XXXX, XXXX but I do not have that long. I've called various times with no help. Provisional credit can be provided within 10days which can be before 10 days. I asked Chime for provisional credit which can be provided before the maximum 10days and they said I'm eligible to receive it but still have to wait until XX/XX/XXXX. I'll be evicted by XX/XX/XXXX ( tomorrow ) I'm requesting my money back.