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

On XX/XX/2019 my PNC credit card was given to the taxi driver to pay for ride. As I got out of the taxi I realized the card was not returned. I immediately contacted the bank to report it stolen as I saw a charge for XXXX rather than the XXXX which would have covered the cost of the taxi. I have contacted PNC several times and been transferred around from one department to the next. The I was told they could not do anything about this dispute and would not explain what steps were taken to attempt to resolve this matter. This clearly is fraud. The bank is refusing to help as their claim is my husband provided the card. The receipt was signed fraudulently by the vendor.
Product: Credit reporting or other personal consumer reports

By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc. that would put a detrimential affect on his/her consumer reporting file. I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer report.
Product: Money transfer, virtual currency, or money service

WE tried to send XXXX {$4100.00} to friend who is a XXXX  in XXXX. We are friends over XXXX XXXX but met through another XXXX  who visited this man in XXXX. We were sending money for a water project. 

We used Western Union and then they refused to sent the money because we could not say that we had ever actually spent time with the XXXX  from XXXX WE asked for a refund and they said they would process this. We have called at least 6 times asking where the refund is and they keep saying it has been approved and is in process. However after more than two months we have not received anything. We have called back and get the same answer even though we have asked to talk to supervisors. Same answer every time with no results.
Product: Student loan

Re-focusing on past statements PHEAA has provided in this forum, it is appalling that PHEAA basically calls me a liar by claiming that they couldn't " substantiate '' any inappropriate activity. The fact remains that they have employees who act threatening towards me when I call the company out on their wrongful behavior. Again, this is another form of discrimination against the borrower by the acts of their Agents. They allow people getting paid to be professional at their organization to act in any way other than professional. I have had Agents claim they were keeping a " close eye '' on my personal information after they became hostile over the phone simply because I disagreed with a statement they made. Chat Agents dialogue shows and proves contempt for being professional by claiming they " already answered my question '' when they did not, and I had to repeat myself multiple times. My guess is PHEAA deliberately deletes recordings that prove their agents are despicable and hateful individuals. These agents make mistakes that are borderline criminal by invalidly removing my access on multiple occasions. The responders are extremely short-sighted and fail to diligently look at all evidence of wrong-doing. There have been several chat transcripts like the one I submitted in the past. It is only when I post the entire transcript through this forum that PHEAA tries to claim apologies. Any other time, they find " no wrongdoing ''. This is an obvious red flag and a crucial clue that whoever is responding is not doing their job properly, and probably needs to be terminated or replaced. 
PHEAA STATEMENT FROM XX/XX/2022 -- While we understand that you have been dissatisfied with the service that you have received, we were unable to substantiate your claims of inappropriate activity. No further action related to restricting employees accesses to view account records is planned.
Product: Checking or savings account

I have posted {$140.00} dollars overdraft fees on my account. I have money in my account to pay for the charges that were returned a day after my deposit posted. Can I have a reversal in the fees? I also have 2 overdraft fess in the amount of {$72.00} do to XXXX XXXX charging me three times for same transaction. Can i please have this amount returned to my account?

The company is charging fees after deposit posted is enough to cover any funds. banks does not respond to any request via email.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the way Zelle handles disputes. Particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.
Product: Checking or savings account

Citi bank sent me an email ( attached ) with offer of {$700.00} if I open a new checking account and maintain a balance of {$50000.00}, which I did. They still have not provided the {$700.00} bonus. 
I requested the bonus via chat and 2 phone calls. Both phone representatives agreed that I met the requirements. I received 2 letters ( attached ) rejecting my claim for the promotion bonus. Neither letter explains why Citi will not honor the solicitation of their bonus promotion. The chat confirmed I met the requirements. 
They enticed me to open a new checking account and deposit {$50000.00} for 60 days under false advertising.
Product: Student loan

My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.
Product: Debt collection

Portfolio Recovery is the company in question. I was part of a class action lawsuit involving them several years ago. For at least the past two years, I have been receiving persistent calls from them, which Ive tried to ignore in order to avoid further conflict. On occasion, Ive answered the calls and requested that they remove me from their contact list, as the debt they are attempting to collect has already been resolved. 

However, the calls and voicemails have continued, despite my repeated requests. While I have not been threatened with legal action, I have informed them about my involvement in the class action lawsuit related to their harassment, and have instructed them to stop contacting me. Unfortunately, my request has not been honored.
Product: Debt collection

In XXXX or XXXX of XXXX, I was notified by XXXX XXXX XXXX advising that they purchased an account from Citibank , N.A . Double Cash showing a balance due of {$4600.00} that I owed. As with other accounts, they purchased that I did not owe, I advised this account was fraudulently established in my name, without my knowledge like the other accounts they purchased that were fraudulently set up in my name. I was told I do owe this balance and how would I like to pay. 

On XX/XX/XXXX, I submitted a copy of a notarized Identity Theft Affidavit along with a copy of a report with report number that was filed with the Federal Trade Commission showing I was disputing this issue, and this debt was not mine. I also requested a copy of the signed contract showing when I opened the account and my agreeing to the terms of the credit card. I advised that my SSN was compromised in XXXX, and several other companies have reached out XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ) and others advising my information was involved in data breach. 

On XX/XX/XXXX, I received another notice in the mail requesting payment for the aforementioned amount and the same documentation requesting a police report, notarized fraud identity affidavit, a completed Federal Trade Commission fraud affidavit. Again, on XX/XX/XXXX, I received the same request from XXXX XXXX XXXX. 

As of XX/XX/XXXX, this company has begun making collections calls to my phone. 

This company has requested the same information for previous accounts that they purchased in my name, and I have submitted the requested documentation. Those accounts were closed without payment, however, after submission of the requested information on two separate occasions, they refuse to close this account.
Product: Credit reporting or other personal consumer reports

XXXX  was suppose to pay the remaining balance after it was totaled.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. XXXX XXXX XXXX XXXX HARD INQUIRY ON CREDIT REPORT Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, my Bank of America online account was hacked. My birth date was changed and my primary phone number contact was changed. My phone number was placed at the number 3 spot for contact. {$10000.00} was transferred from my checking account to my savings account. Then {$94000.00} in total was wire transferred from my savings account to a bank in XXXX, XXXX XXXX XXXX. I called Bank of America as soon as I noticed the funds were in process of being transferred. This was after business hours, therefore, I could not go to my local branch office. I was told over the phone that a stop could not be placed on the transfer. They put a recall on the money, filed a claim, provided me with a claim number, set me up with my contact person for further follow up about the case, changed the contact phone number, and asked if I wanted to put a hold on the account. As a business owner, I have bills that were being paid out of that account. I could not place this whole account on hold because I wouldve had checks bouncing. I have 25 employees that are depending on getting paid to provide for their families, plus numerous vendors. I was then set up for an appointment at the local branch office the following morning. 

On XX/XX/XXXX, I was set up with new personal and business accounts and they called the Bank of America fraud department to make sure the complaint was being processed. Almost everyday forward, I have contacted Bank of America. I have left messages with my contact person. To date, I have only talked to my contact person one time. She has never contacted me to give me an update. I went to three local Bank of America branches for updates. I was even told by one employee that they could not discuss the case with me. Today, XX/XX/XXXX, I received a call from a local branch manager stating the funds in the bank in XXXX were no longer in the bank and Bank of America is not responsible. I called the branch manager back asking for a letter outlining why my claim was denied. She said she would talk to the legal team and will send something to me.

I have been a loyal customer with Bank of America over 20 years. I have two mortgages, personal accounts, business accounts, and credit cards with Bank of America. I have been contacted by Bank  of America in the past due to unusual account activity. Last year in XX/XX/XXXXI bought a building for my business and was required to go into Bank of America to wire transfer approximately {$150000.00}  for the title company. How is this time any different? This type of activity is unusual for any of my accounts. The same phone number has been on my Bank of America account for over the past 20 years. It should be a red flag when my contact number and birthdate were changed. Bank of America advertises that they take care of their customers when fraud occurs and return the money into your account. So why not now?
Product: Money transfer, virtual currency, or money service

Dates including All Transactions Being Sent Unauthorized From XXXX XXXX up until XX/XX/2023 Debit Cards linked and Money Being sent out of my account without consent of authorization and my account need the Balance Adjusted back To date.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My information has been compromised. my info was leaked to the public in the XXXX Data Breach and now I have been a victim of identity theft. I have unauthorized accounts and unauthorized inquiries that I didn't benefit from. this is unfair and has been hurting my chances at getting a mortgage loan and giving me a bad reputation with the banks. I need these inaccurate and incomplete accounts and inquiries removed immediately
Product: Credit reporting or other personal consumer reports

I checked my XXXX TransUnion and XXXX credit report noticed inaccurate closed accounts information. I contacted the XXXX major credit bureau 's and asked them to remove these closed accounts. XXXX XXXX XXXX XXXX with a balance of {$740.00}. XXXX that's reported on my TransUnion that's not accurate with the XXXX XXXXXXXX account balance of {$720.00} on XXXX credit report also XXXX credit report since they're obviously inaccurate balances and dates reported on XXXX different closed accounts the second one is XXXX  XXXX again with a balance of {$320.00} on my TransUnion credit report but {$320.00} on my XXXX and {$320.00} on my XXXX credit report so also not accurate across all Three major credit bureaus. The XXXX closed account is XXXX XXXX XXXX XXXX  on my credit report shows a balance of {$670.00} on my XXXX credit report and {$600.00} on my XXXX credit report so there for that's not accurate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was dropped XXXX XXXX POINTS for late payment. first off all, thats a ridiculous amount. second, there was no late payment and ive paid OVER THE MINIMUM AMOUNT EVERY PAYMENT. This needs to be fixed because that is a very drastic change for something thats not true.
Product: Checking or savings account

Wise ( TransferWise ) is a scam Please protect people in the US from this scam. 
After we add money to our accounts with Wise, Wise intentionally closes the account ( without any explanations ) and takes the money away. They don't respond when we call them to inquire or appeal. 
There are many recent cases, many people they got SCAMMED by wise. 
Wise victims created a group of XXXX explaining their experience please check the following link for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Group name on XXXX  : Wise ( Transferwise ) Scam Victims Also please check the bad reviews on XXXX website from other victims at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please protect us and help us to get out money back XXXX XXXX XXXX