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

I use XXXX XXXX XXXX  located in XXXX MA XXXX. I was to receive {$6400.00} XXXX  transferred to me from XXXX. My bank uses PNC for international transfers. On XX/XX/XXXX  a transfer was made to PNC bank, however, I was not aware that the account information provided was incorrect, nd funds were never returned to sender. The transfer route was XXXX XXXX in XXXX, to XXXX XXXX  in XXXX, to PNC Bank. Due to the account error information, the funds never reached XXXX XXXX XXXX  and therefore myself. PNC never returned the funds. XXXX XXXX and XXXX XXXX  placed an inquiry and trace indicated funds successfully transferred to PNC. PNC has not responded to any XXXX XXXX  that was sent providing the correct information nor a request to pull funds back. I have caled my bank numerous times as well as PNC neither have been helpful. PNC will not look into it because I am not a customer and XXXX XXXX XXXX  states PNC will not communicate with them since their information was not provided in the transaction. The XXXX bank and XXXX bank are not able to do anything more than request funds returned, and they have stated they have not received any communication from PNC at all. XXXX  stated PNC received {$6400.00} XXXX  on XX/XX/2021 at XXXX. I did have some communication with PNC escalation group, who were also struggling to receive return communication from their wire department, but they stated they could not locate and there was nothing else they could do. The XXXX code was correct, however, I provided my own bank account number in the transfer, I did not include XXXX XXXX XXXX  information. Essentially, the transfer should have been made to PNC with XXXX XXXX XXXX  account ( since XXXXXXXX XXXX XXXX is PNC customer ), then my information as the final beneficiary. The funds should have been returned but were not. 

Return my funds so that it can be sent with the correct information to complete the transaction successfully. I have spent a lot of time and energy to get this resolved and I am not sure what else to do in this case. The money can't just disappear and it belongs to me not PNC. Awful business practice that they are not able to help me because I am not a customer. I also feel as though my personal bank, XXXX XXXX XXXX, was lacking to support me or assist me with this matter, especially since they are PNC 's customer.
Product: Checking or savings account

ON XX/XX/2023 AT XXXX XXXX I SPOKE WITH EMPLOYEE XXXX XXXX VERIFYING MY BUSINESS ACCOUNT ON HOLD VIA EMAIL UNTIL XX/XX/2023 PUTTING AN ILLEGAL HOLD ON MY ACCOUNT SAYING THATTHEY DETECTED SUSPICIOUS ACTIVITY FROM MY TENANTS MONEY ORDERS AND CASHIERS CHECK WHICH I ROUTINELY DEPOSIT THE SAME AMOUNTS EVERY MONTH IN MY BUSINESS ACCOUNT FOR THE LAST 2 YEARS. THEN SHE OFFERED ME TO PAY FEES FOR NEW SERVICES ENTERING INTO XXXX OR XXXX XXXX, OR XXXX WHICH IS A SWITCH AND BAIT ILLEGAL SCHEME BY THE BANK. THEY ARE HOLDING XXXX CASHIERS CHECKS I DEPOSITED : {$1000.00}, {$1700.00}, {$1500.00}, {$1500.00}. PLEASE INVESTIGATE THIS MATTER I NEED MY MONEY NOW CAUSING ME TO BOUNCE CHECKS I HAD ALREADY WRITTEN OUT
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX XXXXXXXX Opened on XXXX XXXX XXXX  XXXX - XXXX Opened on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened on XX/XX/XXXX Unauthorize Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 U.S.C 1681. 
Account NameXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name.XXXX XXXX # XXXX. 
Account NamXXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 u.s.c 1681 section 602 A. states I have the right to privacy...

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions..

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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CLASSIC BAIT AND SWITCH! 
We have excellent credit and applied on XX/XX/2021 for a loan with our current lender and LoanUnited.com at the same time and both offered a 1.75 % rate on a 30 year mortgage which was unheard of but true. We went with LoanUnited because XXXX XXXX was nice/knowledgeable and the closing costs were slightly lower. LoanUnited approved our loan on XX/XX/2021 and sent us notice it was approved. What XXXX XXXX didn't do was lock our rate and misled us that he had done so. When we continuously asked about it he said not to worry that we were approved through " blah blah blah '' lender and the closing date was scheduled for XX/XX/XXXX. When we started pushing him for proof of the lock he started lying and trying to put us off then he went completely silent. We called the office and were hung up on by others including when we asked for XXXX XXXX the " owner ''? 
Bait and switch is when borrowers are promised attractive terms upfront to win your mortgage business but then fail to deliver those terms when it comes time to close your loan. Changing terms at the last minute when borrowers are desperate to close their loan. In our case we should have just signed the rate lock loan estimate with our current lender at that 1.75 % rate and it would've been locked and our VA IRRRL refinance would've been done by now. Instead LoanUnited has cost us thousands of dollars with their extremely dishonest practices. I'm reporting them to the Consumer Financial Protection Bureau and VA because they are preying on our Veterans and using the VA IRRRL program to do so. STAY AWAY AND LEARN FROM OUR MISTAKE!
Product: Student loan

Navient raised my interest rate significantly on my Signature Student Loan, during a time of financial hardship, making it more difficult to pay down the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.
Product: Debt collection

I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I  recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XX/XX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called Gordon, Aylworth + Tami P.C. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate reporting of my student loans by Navient to the credit bureaus. My student loans have been in forbearance since XX/XX/year>, and I have emails from Navient to prove this fact. 

Despite providing evidence of my loans being in forbearance, the credit companies are reporting incorrect information. This has negatively impacted my credit score, and I believe that this inaccurate data should be deleted in accordance with the Fair Credit Reporting Act. 

I have attached copies of the emails from Navient confirming my loan forbearance for your reference. I am requesting that the inaccurate information be immediately removed from my credit report to reflect the true status of my loans. 

Thank you for your attention to this matter. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Product: Debt collection

There is a collection account that is inaccurately reporting on my credit reports from XXXX XXXX. I have sent letters asking them to verify and validate the collection account as it is not mine and I have never ever did business with them. I am claiming it to be identity theft and someone is using my information for this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to the credit bureaus- XXXX, Experian and XXXX reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.
Product: Credit reporting or other personal consumer reports

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX. 
First and Foremost : Per the aforementioned accounts, these debts have been charged off by these the original creditors, which means that the debts have been paid and are considered income. Since a XXXX is considered income, They MUST be removed as well. XXXX can not be reported on consumer credit credit files, according to IRS regulations as they are considered a certificate of indebtedness. 

There are other violations that require removal of the items : XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law that backs the code, it contents are even stricter, as it states that any agency can only get your report in response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) XXXX XXXX XXXX XXXX - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 
In closing I have never granted any of these companies written permission!!!!
Product: Credit reporting or other personal consumer reports

A fraudelant credit report popped up on my Equifax credit report. I attempted to submit a dispute the same day and the system told me I couldn't because I already filed a credit report against them in the past when I absolutely did not. I went to rent property and the company that sold them my information said I had to pay {$250.00} to do an application. I asked the company would my money be refunded if I'm not approved for the apartment they told me yes. I paid the {$200.00} they did my application I was not approved and they never refunded me my money. I have been trying to get my {$250.00} from this company and they kept promising to look into it to give me my money back and never did. They some how took my information and sent it to collections as if I owed them {$250.00}. This is absolutely fraud. And I have the screen shot Equifax would not let me submit my complaint they told me I already submitted XXXX and the bill literally just hit my credit report. I attempted to call them and was unable to speak to a agent. This company actually owes me money I even told this to the creditor and he started yelling at me he was going to send my account to collections if I didn't pay him. This needs to be removed from credit report. Also Equifax thinks you can give a full story on why you don't owe something on your credit report with XXXX characters which is absolutely insane.
Product: Mortgage

Washington Federal Bank is my loan servicer and maintains an escrow account for taxes and insurance. This years insurance renewal was due XX/XX/XXXX but the statement shows it was not sent until XX/XX/XXXX. As of now, the insurance carrier does not show as received. The insurance broker reached out 4 times in XXXX to prevent lapsed coverage and every time were told 2-4 business days with never hearing back. On the 4th one, WaFd said I had to call. Ive now called 3 times with the same result. My policy has since lapsed and caused me to have to pay the renewal and a reinstatement fee for a total of {$810.00}. And the {$790.00} is still showing deducted from my escrow account without WaFd making resolution.
Product: Credit card or prepaid card

I submitted the payment of {$30.00} electronically from their bank and they drafted another {$30.00} out of my checking which was not due and have held the funds for over two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company JPMCB CARD  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been unwilling to correct this and remove the 30 day late from my credit reports. 

I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported 30 days late to each of the three Credit Reporting agencies. 

It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.
Product: Payday loan, title loan, or personal loan

I had a payday loan for XXXX plus XXXX interest it was due on XXXX XXXX. On XXXX XXXX I submitted a early payment for the full balance of XXXX this morning I got a email from them saying my payment failed and now I must pay a XXXX return fee. It failed because they used the wrong bank account they show account ending in XXXX I have never had a bank account with this number. I have been borrowing from them for 9 months with no repayment problems. This was not my fault I told them this morning XXXX XXXX XXXX that I would pay the XXXX right now but I refuse to pay the XXXX penalty because it was not my fault the also say I was late how could I be late it is not due until XXXX XXXX. I spoke to XXXX he was condescending and no help at all when I asked to speak to a supervisor he said their policy is to have one call me back later. It is only XXXX it is not the money it is the principle. I would appreciate any help you can give. 

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

According to the Fair Credit Reporting Act 15.USC.1681 section 602A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15.USC.6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15.USC.1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.15.USC.6802. ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure option. Not only that 15.USC.1681.C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 dates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code1681s2 ( A ) ( 1 ) A states " 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.15 U.S.Code1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR1016.7 states that " A consumer may exercise the right to opt out at anytime. 
" I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical  services from the facility or hospital.