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

On XX/XX/XXXX, I noticed that a deposit of {$650.00} was sent to my closed PNC account by XXXXXXXX XXXX  XXXX informed me that the funds were automatically returned to PNC as an unsuccessful transfer. I reached out to PNC 's customer service via their messaging service on XX/XX/XXXX and requested confirmation of whether PNC received the returned funds and how I could claim them. 

I explicitly requested the ACH Trace Number or Proof of Return Credit under Federal Regulation E, as PNC is legally required to provide this information, even for closed accounts. However, the representative informed me that they could not provide the requested information through the messaging service and referred me to visit a branch. This response does not comply with Federal Regulation E, which mandates that the trace number or proof of return be provided within XXXX business days for any returned ACH transaction, including for closed accounts. 

Despite multiple follow-ups, PNC did not provide the required information. Instead, they insisted that I visit a branch to get the information, which I believe is an insufficient response as I am entitled to this information under federal law. 

I am filing this complaint because PNC failed to provide the ACH Trace Number or Proof of Return Credit for a returned ACH transaction, as required by Federal Regulation E.
Product: Debt collection

Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Commonwealth that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. The CFPB 's 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX stating I had a new inquiry on XX/XX/2022. I had not inquired into any credit, so it was not my inquiry. I submitted a dispute to Equifax. The dispute came back as my inquiry. How do I get them to remove this inquiry? There is no contact information listed on my Equifax credit bureau to contact this company. The company is XXXX XXXX, XXXX
Product: Credit card or prepaid card

Discover Card, Back on or about XX/XX/XXXX, I made a payment arrangement over the telephone with Discover Card 's customer service to payoff my debt. I was instructed to pay {$620.00} to pay off my debt. I agreed to pay {$310.00} x XXXX = {$620.00} on or before XX/XX/XXXX. 

I made the first payment received by Discover Card on XX/XX/XXXX. The second payment was received on XX/XX/XXXX. Since XX/XX/XXXX, Discover Card refuses to send me a Debt Collection letter affirming my debt is paid in full. My debt remains open to all three credit bureaus. On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, The Executive Office at XXXX refuses to send me a Debt Collection Close Out letter so I can have XXXX XXXX XXXX advocate on my behalf to have this debt declared CLOSED and PAID IN FULL. 

At various times on XX/XX/XXXX, and XX/XX/XXXX, I have been told by unsuspecting Customer Service Reps that my original payment plan " is not in their system. '' Meaning, they have no notes written in their database regarding my agreement I made on XX/XX/XXXX. 

On XX/XX/XXXX, I " audio recorded '' a Service Rep. admitting my last two payments received on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX when a male, service rep, " XXXX, '' who works at the Executive Branch Office attempted to feign no ignorance of my original payment plan, I told him I audio recorded my earlier conversations proving my payments were received. 

Discover Card does not send payment receipt records to their former customers. Instead, I got a letter showing my outstanding balance. This is how Discover Card reneges on their Final Debt Arrangements and Promises in order to circumvent the law. 

Discover Financial Services , Inc. and Discover Card are CORRUPT!!!!!!! 

They have a pending federal lawsuit filed by me. This is adding to my frustrations. They are in violation of NYS Fair Debt Collection Act. NYS and the Federal Fair Credit Reporting Act. 

I DEMAND my Close Out, Debt paid in full letter ASAP!!!! 

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

I have been dealing with identity theft over the past twelve months by the same individual who has used my credit information for countless reasons that have been sent to collections. Most recently, I have had a fraudulent account sent to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX of {$9900.00}. The account hit my credit report on XX/XX/XXXX and was opened fraudulently on XX/XX/XXXX. My credit is supposed to be frozen so I am not sure how the account was opened in the first place, but I have sent filed a dispute with Experian and with XXXX XXXX XXXX XXXX with more than enough information to prove that the account is not mine. I provided my drivers license clearly stated for GA when this account is in California. I have provided multiple utility bills for the months in question, I have provided my marriage certificate showing that my last name was updated from XXXX XXXX to XXXX XXXX in XXXX and the woman using my identity is still going under the name XXXX XXXX. I have also provided my police report number along with contact information with the police department. I am complaining for two reasons. First, there is no reason why this is not being removed from my credit report with all of the evidence I have provided that clearly shows this is no my account. Secondly, if my credit is frozen with all credit bureaus how is this person continuously able to open accounts in my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you 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 will 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. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian took all my privacy act information and credit card information online before informing me that they could not process my request for a credit freeze. 
Tried to call but no option to reach a human being. Tried the automated option over phone and once again entered my credit card information only to be told again they could not process my request.
Product: Vehicle loan or lease

I attempted to call again to make the payment by phone and your representative was rude once again. I am including this {$4000.00} payment to you and demand the lien to be released on my vehicle and the credit reporting agencies to be updated immediately. You fraudulently mislead me into the transaction of the vehicle to begin with, then after numerous attempts to notify you of issues with the CFPB that have went unanswered you offer a settlement agreement which after making payments you state is going toward the balance of the account instead of to pay it in full. Under Missouri Law that has been a breach of agreement on your companies behalf, I have suffered losses due to the fact I have had to keep the vehicle longer and now the car is not even worth {$7500.00} with the condition it is in. I am making this payment to get this off my credit report because your actions are inflicting financial harm against me and trying to talk to Chrysler about it is not resolving all issues. Mail me my lien release and notify the credit bureaus immediately. Also you should be aware I plan to file a civil lawsuit in the western federal district court against your company under the Missouri Breach of Contract. This is not what we agreed to and this payment is being made under duress, because unless I comply and do what you say which is unfavorable to me my credit will be further harmed. So here is your payment, just please note is will be followed by a {$75000.00} lawsuit request. ( Cashiers Check is only attached to receive lien release and clear credit report so my score is not continually brung down while we go through the upcoming lawsuit I will be filing that will take additional time. I have complied, but you have not. Your phone rep was also attempting to charge me more then the {$7500.00} in extra fees which is another breach of the agreement.
Product: Debt collection

This account was disputed and removed in XXXX 2015 and reappeared on my credit report as of XXXX 2015. This account is well over XXXX years old and a new company is trying to collect on it and increased the amount owed by 50 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Act. # XXXX, XXXX, Act. # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX Act. # 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 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 Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Mohela/XXXX  XXXX XXXX XXXX their denial of my application for the discharge of private student loans associated with XXXX XXXX XXXX XXXX XXXX Despite providing comprehensive evidence of institutional misconduct and its significant financial harm, XXXX declined my request without offering any explanation or reason for the denial. 

Background I submitted my application to MohelaXXXX requesting : Full cancellation of private student loans related to XXXX XXXX XXXX XXXX XXXX 
A refund of all payments made on these loans, including those for loans paid in full. 
My application included detailed documentation, supported by my approved XXXX XXXX claim, outlining Chamberlains systemic misrepresentation of the necessity of a XXXX XXXX XXXX in XXXX ( XXXX ) degree and their refusal to allow credit transfers, which caused me severe financial harm. 

XXXX XXXX XXXX issued a denial of my request without addressing the evidence presented or providing a rationale for their decision. This lack of transparency undermines my right as a borrower to have my concerns reviewed fairly and in good faith. 

Supporting Evidence of Misconduct XXXX XXXX XXXX XXXX engaged in practices that align with those of other institutions recently found guilty of similar misconduct. These include : Misrepresentation of the necessity of a XXXX degree for employment. 
Denial of credit transfers to other institutions, leading to repeated coursework and increased educational expenses. 
A focus on enrollment and tuition revenue over student outcomes. 
These practices significantly inflated my debt burden, delayed my career progression, and caused ongoing financial instability, as detailed in my application and supporting exhibits. 

Request for CFPB Assistance I request the CFPB to : Investigate Mohela/XXXX  handling of my application for loan discharge. 
Ensure that Mohela/XXXX  provides a detailed explanation of their decision to deny my request. 
Review my application and supporting evidence to determine if Mohela/XXXX  has acted inappropriately in denying my request for discharge and reimbursement. 
Impact on My Financial Stability The burden of these private student loans has had a lasting impact on my financial health and quality of life. Despite progressing in my career, the compounded debt resulting from XXXX actions continues to strain my finances. 

I believe Mohela/XXXX  lack of a clear and fair review process, along with their refusal to address the institutional misconduct presented, warrants further investigation. I am attaching my original application and supporting documents for your review. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required.
Product: Debt collection

Im disputing Acima Credits inaccurate records identifying me as delinquent to which they reported me late, negative and a charge off. My arrangements with Acima Credit in XXXX of 2020 was interrupted to which Acima Credit charged an unauthorized {$1000.00} via cash advanced, it was not set up correctly nor did the communicate this would happen, we disputed it and received credit for it and had my credit card company recharged the {$1000.00} back to Acima who claimed they never received it, Attached records show otherwise, which would have closed the account before my 90 days same as cash ran out and we would had paid off the furniture in full, but Acima Credits  business practices caused me to look as if I did not make any payments, thus reporting me delinquent and negative after a few months of their lack of communication not notifying me either by phone, email or mail that my account was going to collections and or charge off. I had no clue this was going on. The intent was to pay this off before the 90 day ran out to avoid the high interest. How I found out was, due to COVID-19 my payroll was cut by 25 % and I had to look at other options to survive and went to try to refinance my home and found out I was denied because of the negative reporting by Acima Credit, this was devastating to say the least. Once I found out what had happened I couldnt bare the fact to express my frustrations to Acima Credit. I had asked my wife XXXX XXXX who is a 4 time XXXX survivor to speak for me and connected with Acima Credit to dispute the credit reporting and their poor record keeping. Acima found more errors on their end and settled with us on XX/XX/2020 to close out our account and show PAID IN FULL. ( letter attached ). Still their accounting is all over the board with inaccuracies on reporting statements. This last dispute with them in XX/XX/2020 was discussed with Acima credit because after my arrangements to settle on payoff for {$990.00} in XX/XX/2020, their lack of communication not explaining to me then that my account was in collection. The appalling thing is Acima Credit charged my credit card for {$1000.00} just days before my arrangements for the {$990.00} and said nothing about it which if I paid the {$990.00} Acima Credit would have received {$2900.00}, the furniture is not worth the amount paid. After a long hard dispute process, and although we now have closed the account and Acima Credits negative credit reporting on me has tarnished my lively hood and wellbeing and caring for my wife XXXX. I called Acima to get this resolved and their comment was we can not change it, youll have to dispute it with the credit bureaus. Their unfair business practices to gouge more funds from me, is unacceptable.
Product: Checking or savings account

Venmo froze my Venmo account without notification. When an inquiry was made ( several times ) asking Venmo for the reason for the account being frozen, Venmo said we don't know why, it's automated. 

The account was promised to be reactivated within 7 days and it is still deactivated/frozen with funds held in the account.
Product: Credit reporting 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 Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 XXXX XXXX was trying to collect {$2100.00} for unpaid rent and damages and filed an eviction in XX/XX/XXXX. We went to court, which was in XX/XX/XXXX for the unpaid rent of {$730.00} and the court awarded them a total judgment of {$970.00}. Prior to court, XXXX XXXX sent a personal invoice for what they felt were total fees and tried to collect on damages, which there were none according to the judgment against me and XXXX XXXX collected on a Sure Deposit of {$2000.00} from XXXX XXXX XXXX XXXX and I believe this is the debt amount they sold to National Credit Systems which is incorrect. I have also attached the court document below showing the judgment owed.
Product: Debt collection

An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid
Product: Debt collection

I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.
Product: Checking or savings account

-My funds-approx {$750.00}, have been frozen since approx. XX/XX/XXXX and is still frozen today XX/XX/XXXX. 
-I have provided everything they have asked, sometimes there have been up to 12 days in between responses from their " review '' departement. 
-Their telephone customer service reps. can't help at all. 

-They kept requiring me to send in a physical copy of my social security card ( they had my number from day 1 ), which I didn't have, and finally asked for my birth certificate instead, which I sent immediately, then new problems arose. 

-They are asking for my source of funds which were {$13000.00} over a XXXX month period. I gave them full disclosure, and have sent over my XXXX tax returns, license, birth certificate, XXXX from the military, and utility bills. I also sent them numerous emails with explanation. I also have a passport to offer them.

-I used the funds to pay off credit card debt and now I am broke and my kid is hungry.