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

We had our wedding on XX/XX/XXXX and XXXX and although every other vendor we used was fantastic, the caterer was a really a disaster and many guests and ourselves really feel like they missed the mark completely. They made many promises and failed to deliver as they promised and reassured us. In fact, when we had a follow up call with them, they told us they had missed the mark and had fired staff as a result of poor performance during the event. They have also been banned from ever going back to the venue forever given their poor performance. 

The caterer agreed that money should be refunded but they deferred to Bank of America to figure out the reversal on the money that should be refunded. Unfortunately Bank of America refuses to refund anything despite both parties agreeing that money should be refunded. 

There were multiple problems on both days of the event. 
( 1 ) Food was to be served to us at XXXX XXXX  on XX/XX/XXXX. Food was not ready until XXXX XXXX. The start of the food timing was discussed and agreed upon in advance. 
( 2 ) Bar was to start at XXXX XXXX  on XX/XX/XXXX and did not start until XXXX XXXX. Agreed upon in advance and onsite the day of. 
( 3 ) Item 2c- Caterer will provide a staff of properly trained and experienced personnel to ensure satisfactory performance of the Services. As was evidenced by the fact that the caterer fired the bartenders after the event due to poor performance, clearly, they would also agree that staff was not appropriate ( 4 ) Item 4 The Caterer agrees to maintain a mild ( not spicy ), yet flavorful spice-level for all items on the menu. Universally individuals who attended said the food was too spicy and they could not tolerate it. 
( 5 ) On XX/XX/XXXX Food was to start being served starting at XXXX. Dinner was not served until XXXX XXXX. 
( 6 ) The fryer broke so food was not prepared on time and was delayed significantly. 
( 7 ) Both XX/XX/XXXX and XXXX there was not enough food, and it ran out. Many guests complained and left hungry ( including the wedding party ). 
( 8 ) Food was not put out for eating fast enough so people could eat it. 
( 9 ) Food was not prepared well. In my dish was half an eggplant raw which was not part of the menu. 

All services were supposed to be done properly and accurately on XX/XX/XXXX and XXXX. Because of the poor service this caterer is banned from the property and will never be able to caterer for the event space. 

We hope you can get Bank of America to do its job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized unverified inquiries on my XXXX report and want them deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent out a dispute for billing error to CITIZENS BANK N.A., three times for a credit card ending in XXXX, which the company was in receipt of the dispute. I have a proof of mail and delivery. I questioned the account and its balance of XXXX XXXX  according to the fair credit billing resolution. CITIZENS have not wrote me back or proof on anything that I asked for. In additon, they violated the fair credit billing act by not sending me a response of receipt of the dispute in 30 days, they accelerated charges to the account with two interest payments, and they added a late fee to the account. CITIZENS wrote me stating that they are attempting to collect a debt while still in a billing error dispute. They also took adverse action against me and put a latement on my consumer report defaming my character. I lost XXXX points to my credit score. XXXX from the XXXX XXXX spoke with me and apologize about what I have experienced which I have that recorded. He informed me to send them all documents via email, to take a look at it, that man never even emailed me back just to let me know that he recived it. CITIZENS are not incompliance with what is right by law. They forfeited on collecting. I filed a notice of default/intent to arbitrate, if I dont hear back I am filing AAA according to our arbitration agreement in the next two weeks.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I offered to buy a bag from XXXX. The seller asked me to text her to discuss more regarding the transaction. She offered a discount if I would pay her via XXXX. 
I was hesitating at first, but fell into her scam, and pay her via XXXX. 
-The first payment on XX/XX/2022 was half the amount of the total : {$620.00} She received the money, and send me the XXXX XXXX # XXXX - I checked the tracking, and see the tracking was started to move, So I send her {$370.00} ( That is the limit I can send to her that day ) - I keep checking and see that the tracking was continued to move, so the next day XX/XX/2022 I send her the rest of the balance : {$250.00} ( for the total of {$1200.00} ) I told her that I rerouted the package to one of the XXXX XXXX stores, because I'd like someone to witness ( when I open the box ) what is in the package, to avoid any problem in the future. 
- Next day when I check the tracking, I see that the seller had requested the box to ship back to her. 
I call the bank right away to report, the banker filed the claim for me, provided XXXX claims number for the XXXX XXXX transaction that I make. 
XXXX Claim number XXXX for {$620.00} XXXX Claim number XXXX for {$370.00} XXXX Claim number XXXX for {$250.00} The banker told me that someone will call me, but NO CALL from the bank! 
At the same time, I report the scammed to the FTC, Report # XXXX I also report to the XXXX and to the XXXX XXXX Police Department. 
case # XXXX, The assigned XXXX XXXX name is XXXX XXXX. 
On XX/XX/2022 the XXXX package was delivered to my home ; I opened the box. inside I found an old pair of shoes a crushed XXXX box, and a pair of old track pant. I ran to the police station right away to show them the box, they took the box and updated the report for me. 
I called the bank, they told me that they already CLOSED THE CASE. I was very disappointed, they did not call me, at least have some courtesy to update some information to help the case. 
I ask the banker if I have no chance to recover the money, or get some kind of protection from the bank to have my money refund, he said NO. 
This is the scammer Information : XXXX XXXX email : XXXX Phone : XXXX She gave me 2 addresses : XXXX XXXX XXXX, XXXX. FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfers

Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!
Product: Bank account or service

I closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}. 
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct. 
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency. 
This bank is dishonest. Why is TCF bank still in business?
Product: Credit card or prepaid card

I went to check my credit report to find out why my score dropped and I found not XXXX but XXXX account from this genesis card services company with a MILESTONE account. And a destiny account under my name and social. along with some utility company. I have contacted GENESIS FA CARD SERVICES about these fraudulent account and I have been met with NO HELP. This is literally fraud and hey are letting an account be open and used with my information in which I have never given anyone permission to use my information and never lived at the address of a XXXX XXXX in Virginia that they also have on file. 
I live in a completely different state! I want these XXXX account REMOVED from my credit report IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

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. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to have a security freeze removed from my XXXX  credit profile. I initially called them on XX/XX/XXXX and they were not able to identify me because my name didnt match their records. However, I escalated to a supervisor who was able to validate me. I was told a pin would be mailed to me in 7 business days. I waited several months and no security freeze letter was received. On XX/XX/XXXX, I repeated this process and once again was told a letter was going to be mailed, none was received. I repeated this process every month while also supplying letters demanding the security freeze to be removed. My last interaction was on Thursday, XX/XX/XXXX. 

XXXX is in clear violation for failure to respond and holding my credit profile hostage. 
Ive leaned that they have a name in my profile that doesnt match my drivers license, social security card, my passport, or birth certificate. 

Im demanding action to force XXXX  to comply and correct my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have settled and fulfilled my debt consolidation back in XX/XX/2022. I am now applying for a credit line in my bank. My bank has shared that my credit score and credit standing is not really good. XXXX is showing that my score is XXXX but EQUIFAX is showing that my score is XXXX and still in collections and being delinquent. 
I have already already settled my debt consolidation back in XX/XX/2022, I have faxed a copy of certificate of full performance to both XXXX and Equifax and also have subscribed for credit monitoring on both bureau ; and I have been working hard to keep my credit in good standing and even subscribed to both agencies for credit monitoring because I am planning to buy a house. I am not delinquent and have been fully paying off my balances before the due dates. I have talked to Equifax several times to find out what's really wrong in my account, because all banks that I have come to apply for a loan and mortgage was telling me the Equifax is still showing me to be delinquent and with a score of XXXX?!!
Product: Credit reporting or other personal consumer reports

Apple, and XXXX had ran hard inquiries on my credit report which they are not authorized to. Stated under the card descriptions they werent supposed to affect my credit score. According to the UCC Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I sent a compliant for Experian that I am a victim of identity theft and they keep sending me the same EXACT message for the two complaints that I sent, along with A copy of my social security card and my driver license TWICE.
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.
Product: Checking or savings account

My name is XXXX XXXX and I made a bank deposit last Thursday on XX/XX/XXXX through the Atm at the Bank of America in XXXX, Tx on XXXX XXXX.I put my debit card into the ATM machine and Deposited {$300.00} for some reason the ATM started glitching and never gave me a receipt but it did eject my ATM card back out..I then proceeded to call the Bank of America to let them know what happened and they filed a claim and said I would see a credit for XXXX the following the day, when I went to check my account the credit was not in my account, So I called Bank of America again and they said they would not be able to credit my account until they finished their investigation..I think they are being unfair this was my money that their ATM basically stole from me and they are not wanting to credit my account while they are doing their investigations, that is a big inconvenience for me because that was all the money I had for the week, they said it could take up to XXXX buisness Days to see any kind of credits/ or Adjustments..Pease help, as a consumer I think this is injustice considering us people that live from Check to Check, just because their a Big Corporation does not mean they can or should treat us this way, its not fair please help with this situation.. Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation into a Bankruptcy on my credit report under my Social Security Number with Experian, which they have only reported on the investigation as accurate without any further information in XX/XX/2020. I have subsequently written to them requesting to provide detailed information on the source of the report, and their method of investigation as per my FCRA rights, which they have once again refused and have claimed the information was obtained from bulk information purchased. 
Then I provided them with a hard copy of the California Bankruptcy Court response to me on XX/XX/2020 verifying they DO NOT provide Experian and other credit agencies with any Bankruptcy report nor the verify any investigation, and yet they have ignored the court response and have not responded in last 4 months.
Product: Bank account or service

I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, TI LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-3 of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.
Product: Debt collection

I was called from an unknown number and was told they were a " Legal processing center, '' and there was concern about a legal case I was involved in. I asked for the name of the legal processing center and they led me to believe it was a governmental organization. The person speaking said his name was  XXXX   XXXX . He gave me a case number and the name of "  CFM   XXXX   XXXX  , ''  with a phone number. I called the phone number,  XXXX  "  XXXX   XXXX  '' answered the phone and was speaking in cryptic language about my " case '' which had a " red flag '' attached to it. I asked if it was an attempt to collect, and he said " collect what sir? '' I said, " Is this a collections call? '' and he said " NO, THIS IS N'T A COLLECTIONS AGENCY. '' I was led to believe there was a legal issue that I had to address because they blatantly lied to me. Knowing tha t collectors are not supposed to implement tactics like this, I did not believe they were collectors and therefore did  not supply them with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX # XXXX Account : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  : # XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX  # XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.