23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collectors are calling a number that I no longer use! It is my parents phone number and I do not live there anymore nor do I use that phone number! I have my own personal phone number
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 unfeasible. The CFPDs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank mistakingly stated I had a late payment and gave that info to the credit bureaus and the credit report for XX/XX/XXXX showed a XXXX  point drop. At this time I had my bank correct there mistake and the bank sent the credit Bureaus the correction and the XX/XX/XXXXXXXX  credit report showed the correction with a XXXX  point increase. You think this would be the end of this, but no only one credit reporting company TRANSUNION starts there campaign of harassment and neglect against me and my credit report, while we are trying to purchase a new home. On XX/XX/XXXX, TRANSUNION, the only one out of the 3 credit bureaus dropped my credit score XXXX points from XXXX a great score to XXXX a horrible score where I cant get a home loan due to no reason but there negligence due to this is the same account they say is still late. At this time I had my bank send TRANSUNION another letter stating my account was current, and on XX/XX/XXXX they adjusted my score back to its original and correct score of XXXX up XXXX points, you think this would be the end of this harassment and neglect, but you would be wrong. On XX/XX/XXXX once again TRANSUNION dropped my credit score XXXX points from XXXX to XXXX for the same exact account that my back notified them twice before was correct. This pattern of neglect and harassment from TRANSUNION is unacceptable, the other credit agencies scores remained correct. I am a XXXX XXXX XXXXXXXX vet, who has XXXX and XXXX XXXX, since these actions by TRANSUNION, I have had XXXX related issues increase and my XXXX  levels have been through the roof. This company needs to be held accountable!!!
Product: Consumer Loan

We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I tried to dispute many times plus my report havent been updated since last year. I paid my car loan off I paid my credit card off and I still have a charged off on my report. A lot of shady business going on
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called my personal banker to increase my credit limit on my card to pay for a new motorcycle. I didnt need credit, I just wanted to take advantage of points offered. They needed to go through proper channels for a credit check. I had, unfortunately, voluntarily lowered my limit as I felt it was too high when I ordered a new card recently. My credit report shows an outstanding loan, without payments, for {$15000.00} plus fees, opened in XX/XX/XXXX. This was at the XXXX XXXX XXXX XXXX in XXXX Florida. I called immediately and was told that XXXX handles those accounts in recovery and he would call within 24 hours. He did not, although I left my information. I called today, XX/XX/XXXX, he was still out. I was told he couldnt reach me and left a voicemail on XX/XX/XXXX. He did not, as he was calling the party in question, who has an address in Georgia. The receptionist said that she would give him my information. I was not satisfied with that as this needs to be taken care of immediately. She then said, after asking someone else, that a packet for stolen identity would be mailed to me as that is the next step. I asked if they could just review the SS number as perhaps it was a simple error. They would not investigate without this packet, or talk to me further. I will call XXXX again tomorrow, XX/XX/XXXX. I have no debt, other than a monthly credit card bill that is paid in full.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 



thank you for your understanding and prompt response.
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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 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.
Product: Debt collection

XXXX SOLD TO AGENCY AFTER AGREEMENT WAS REACH, THE D AND A KEPT CALLING MY FOLKS, MY WORK 31 TIMES DOC UMENTED. D AND A REFUSES TO REMOVE UNLAWFUL FRAUD ITEM FROM XXXX XXXX, THEY HAVE REMOVED FROM ALL CRAS.
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've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Opened : XX/XX/2016 Balance : {$560.00}
Product: Debt collection

They have called multiple times, during the day starting early XXXX all the way through last at night. They talk about getting me arrested, calls me names, spoke about XXXX things after I asked them to stop calling me, the lady told me I had no rights to tell them anything that I was a loser. 

I would really like to sue them for the harrasment, and making me feel like they have been making me.
Product: Credit reporting or other personal consumer reports

I had a XXXXXXXX XXXX credit card with Comenity Bank- I have been using a XXXX XXXX XXXX to pay this card for near two years now. This company without warning changed a code they use to allow the XXXX XXXX XXXX to pay my bill via wire banking so my payment did not go through. I was not made aware that a payment was missed until nearing the second payment when XXXX notified me of missed payment I immediately started looking into what I could have missed cause I do not miss payments and discovered this problem and made a payment right away and also called XXXX XXXX XXXX and they stated they had also discovered the problem and also made a payment right away. I don't feel this was an error on my part if informed on time there would have been no late payment!! My credit took a huge hit by this one missed payment and I have been working so hard to get it up after a resent divorce. Please help me on this matter. This all occurred back on XXXX of this year.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. XXXX XXXX XXXX  : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union about the numerous overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was still charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB discoveries against Navy Federal for similar practices, where the transactions settled with insufficient balances despite initially available funds. I believe these practices are illegal and request an investigation into my account transactions.
Product: Checking or savings account

Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. 

The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. 
( 2 ) Make 3 bill payments within 60 days. 

I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. 
I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. 
I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? 
Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then.

Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them.

I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers?

I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. 

I know, that I should have brought this complaint long ago, but better late than never! 
I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. 
. 
I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. 

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

The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.
Product: Credit card or prepaid card

I purchased a giftcard balance on my amazon.com account using my amazon.com store card, which is through Synchrony Bank. This is a credit card that can only be used at amazon.com. The amount of the giftcard balance purchased to be added to my amazon.com balance was {$800.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Product: Debt or credit management

I was in the middle of identity theft all my things got stolen so Im trying to see if these things can be removed off my credit or dropped to a lower amount as possible Im on social security
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Vehicle loan or lease

I have financed 5 previous XXXX leases. I have never missed a payment. I decided on XX/XX/2019 to purchase my latest lease. Not only had I paid the lease in full, I had overpaid by {$2000.00} dollars. I am XXXX  years of age and have a credit score Over 800. I received a letter from XXXX  stating they could not approve the request for credit as they could not verify my employment. As a result I had to take a loan with a high interest rate. I have the same employment and income I had for the last 4 leases. The application was with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX. Phone XXXX. This is age discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I had the worst experience with XXXX of any customer service at XXXX airport. I called XXXX customer service early morning around XXXX and spoke to XXXX informed him that we were running late little behind due to snow in XXXX and our tempo traveler getting stuck in snow. XXXX put the remarks in the system and also assured me that would speak to gate agent. We were travelling with 11 passengers on two different itinerary ( XXXX  and XXXX  ). I also called again at XXXX and also again at XXXX both times speaking to the agent and making a request that were running late due to XXXX traffic . We were at the airport the gate agent DID NOT let us board the flight. We were not NO SHOW. Once getting to the airport I was unable to getting sort of service/courtesy from the checkin agent. I asked to speak to manager but was not getting any response, all the lady at the desk did was to point the manager ( another lady ). I tried to talk to the manager but she seemed hesitant to even come over and talk to me, she DIDNT care about the situation or make any effort to resolve/provide solution. I pleaded to her multiple times and even told her you can send my bags 2 days later but let just board the flight, she showed no sense of urgency or courtesy. Again I was travelling with 11 passengers and of those XXXX  kids which is very frustrating when I was unable to get service I paid for. The flight ended up leaving LATE XXXX minutes. I had to scramble to find another flight as I had prior engagement the following day. I finally ended up booking another flight from XXXX to XXXX and booked another travel from XXXX to XXXX reaching home XXXX in the morning after travelling in cold all night. This is byfar the worst experience I have had in my life as the flight was delayed 2+ hours from XXXX to XXXX . I had a meeting in XXXX but had to cancel due to flight delay. I am the owner of XXXX hotels in USA will definitely tell any and everyone regarding the experience I have had with XXXX. I will also be posting a review online via XXXX and any review sites. I expect to be fully refunded for the worst experience of my life. 


I am not in agreement as I the service was not delivered and want to REOPEN the dispute as the airline cancelled the booking without notice. 

I have been in constant communication with my Chase since the charge the amount is {$1000.00}. I had to book another flight and spend additional {$950.00} for the flight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an 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