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

On XX/XX/2022 I received an email from a person claiming to be Professor XXXX XXXX from XXXX in regards to an open XXXX XXXX XXXX  role. I had previously shown interest in a XXXX XXXX XXXX role at XXXX XXXX XXXX as I was studying there at the time. I expressed my interest for being considered for the role by sending my resume to which they replied positively to and told me I was the most ideal candidate for the role and hired me. First thing they asked me to do was to buy a laptop and printer as they said I would require both for the role and proceeded to send me a check of {$2100.00} to buy the new equipment. The check was later discovered to be fake but when I scanned the check to deposit the money into my PNC bank account, PNC deposited the {$2100.00} to my account the very next day. After PNC deposited the {$2100.00} from the fake check in my account the scamster then asked me to send {$1100.00} and {$920.00} payments on XXXX to a person he said he had appointed as his assistant who would help me get the new equipment ( laptop and printer ). I sent him the money as to that person and later that evening discovered that I had gotten scammed for {$2000.00} after which PNC also proceeded to removed the credited {$2100.00} from my account leaving me with a negative account balance as I had less than {$150.00} in my bank account at that time. My complaint is that PNC Bank should not have deposited the amount from the fake check in my account in the first place for me to proceed with the next steps.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such has failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have called the following phone numbers with no resolved issues. 
XXXX 3x and was hung up in everytime. 

XXXX 3 x- never got through the automated services, placed on hold with no music or options for multiple times. 

XXXXx2- called and reported multiple times. To be hung up on. 

I was not aggressive and or rude the first XXXX phone calls. 

I have then got onto a text with Transunion to report a credit drop for the second time in less than 6 months with no inquiries or negative marks. 
In fact I paid everything and should have a XXXX credit score only to have a random credit drop occur with no trace of why.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
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. 
These accounts are Fraud Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 inructions 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 card or prepaid card

Today, XX/XX/XXXX, I attempted to make a payment on my CareCredit card managed by Synchrony. We opened it last year XXXX XX/XX/XXXX XXXX to pay for my husband 's XXXX which is an approved expense under our HSA. I have been paying the monthly payments out of pocket because we had other medical bills we were paying off with our HSA. This was my 1st attempt using my HSA to pay this credit card. I was unable to use my HSA to pay the monthly payment. I reached out to Synchrony representative via online chat. I was told I am not able to use any card that has a Visa, Mastercard etc. logo on the card, and even then an HSA card without would probably not go through. We planned on being able to use the HSA to pay off this bill, so we budgeted that way. It is very deceptive that a credit card that is marketed solely to pay for medical, dental, or ophthalmologic services will not accept HSA funds. I have attached the CareCredit Cardholder Agreement section about how to make payments. It does not state that HSAs are not applicable. 

HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by XXXX XXXX. XXXX XXXX XXXX on the due date of each billing cycle. Payments received after XXXX XXXX. XXXX XXXX XXXX will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. 
Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. 
dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. 
How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. 
Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. 

Thank you for you for your time and assistance.
Product: Debt collection

I paid the XXXX {$920.00} instead of {$920.00} and they attempted to evict for {$2.00}. The judge dismissed the eviction case and closed it. After I moved out of the property, the apartments filed a small claims judgment against me for the rent money that accrued DURING the eviction case. It is illegal to collect rent during an eviction case. I was never served with court documents. There is court record that XXXX - XXXX XXXX was served, but I am XXXX tall - XXXX and was not given a chance to appear in court. Because I did not appear, the case defaulted and the property has place a {$12000.00} debt on my credit report that I am not responsible for and that has caused me and my XXXX small children homelessness for the past 5 years. I was granted a XXXX to Vacate XXXX but by the time I found out about it being on my credit report, the judge said the case was too old. I also filed a complaint with the XXXX XXXX XXXX XXXX and I spoke with XXXX Consumer Affairs this afternoon and he advised me to take these following steps. Please help us. This is not fair. I am a working, single mother and this is and has been the ONLY obstacle in my way for providing a good home to my children.
Product: Credit reporting or other personal consumer reports

I have noticed multiple accounts opened on my consumer report that I have know knowledge of. Ive noticed these Fraudulently accounts recently. 
I have reached out to both companies asking to provide me with an original Contract or an agreement proving we had business relations they both failed to Validate debt. 

The companies are XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
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, Account Name : XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  Has violated my rights.

15 U.S.C 1681 section 602 A : States I have the rights 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, other than records of convictions of crimes which antedates the report by more than seven yrs.

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, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on my minimum payments due to being completely displaced from Hurricane Irma, I lost my job due to it and couldnt return to my home due to all the damage. I called them and talk to a represntatice back in XXXX and told them there was no way I would be able to pay my minimum payments even though I wanted to because I needed to put all my money towards food and shelter for me and my family. Anyways long story short is they told me they would do anything they could to help me in this situation and to not worry. However after reviewing XXXX XXXX it shows me that I have 2 missed payments for the months of XX/XX/XXXX and XX/XX/XXXX on my credit history. All of my other credit card companies understood and did not blemish my credit with late payments. It was only capital one and after speaking to them there they essentially said they cant do anything about it. I understand I was late on my payments but I called them, i was displaced from my home and I lost my job which was the only source of income for my family. I now am trying to pick up the pieces and finance a new house for my family and I but because of these 2 missed payments for XX/XX/XXXX and XX/XX/XXXX I am getting a very bad rate with the Banks making the home I want to buy unaffordable for me and my Family. They did report accurately because I was late on my payments for those months but they assured me on the phone and what I read on their website that they were doing everything and anything they could for their customers through this hard time. So I didnt pay any attention to my card for those few months and only got up to date with my payments recently because I could finally afford to. I want these 2 late payments reversed due to a natural disaster that I had no control over along with the fact I was under the assumption I had a grace period where I was assured not to worry, Kind regards, XXXX XXXX
Product: Credit card

On XXXX/XXXX/16, Citibank close my AT & T Access More Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened XX/XX/XXXX and I paid the {$95.00} annual fee in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$95.00} annual fee I paid. 

Furthermore, the sign up bonus for this account included a {$650.00} credit towards a purchase of a new AT & T smartphone after spending {$2000.00}. Although I met the spending requirement very quickly I was not able to purchase the phone through the Citi online portal due to the Citi website 's technical difficulties. I contacted Citi Customer Service with this issue and the Customer Service Representative I spoke with advised me to purchase the phone directly from AT & T and faxed in the receipts to be reimbursed. I purchase the phone on XX/XX/XXXX and faxed in the receipt to Citi Rewards Department @ XXXX on the same day. Since the {$650.00} credit was still processing when the account was unilaterally closed by Citi, I suffered detrimental reliance since I purchased the phone with the expectation that I would be reimbursed up to {$650.00} by Citi. I would like Citi to follow through with the agreement of reimbursing me {$650.00} for the phone I purchased. I attached the fax I sent to Citi Rewards Department on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I sent certified letters to Equifax, XXXX XXXX and XXXX asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.
Product: Student loan

I attended XXXXXXXX XXXX XXXX XXXX XXXX for the XXXX spring semester. I was a XXXX XXXX student residing on campus in the XXXX XXXX. I was registered as a XXXX XXXX student and successfully completed and passed all of my courses. My tuition was partially paid by federal student loans in about XXXX dollars. Due to my remaining balance of XXXX dollars the XXXX is preventing me from obtaining my rightful transcript and preventing me from pursuing my education at another XXXX. I have to spoken student accounts at my previous school and they verified that they are refusing to release my transcript until it is paid in full.
Product: Checking or savings account

I need to link my XXXX  account to my bank account. It helps me send my kids money when they have an emergency or send me money if I have an emergency. Its the easiest way to get money to them and I need to be able to help them as quick as possible. XXXX of my XXXX kids live out of state! Please allow me to link my pnc account to my XXXX account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> a loan was taken out for {$3500.00}. There had already been a rapport established with this company, numerous occasions and paid on time with good credit with this company. The manager decided not to provide funds in person but to mail out checks for credit cards to be paid off. This was delayed for over six weeks and this money was not provided. The manager contacted me to advise my payment was due, and there was a big confusion because there had been no monies distributed to pay any bills and had cost me minimum payments on all credit cards that were late because of her actions as well as the debt being reported to the bureaus that there were balances on the credit cards that have not had the prior month. These funds were lied about and never distributed. When the situation was discussed on numerous occasions, the woman called me a flat out liar, and could not present cash checks to provide these justifications for this debt. Contacting all credit card companies involved it was determined that these checks had been stopped and re-issued and no account numbers added to the check so that they could not be distributed to proper accounts. This was intentionaldeprivation of my character, and I ask for any type of suit to be filed against this company. When asked to provide proper documentation as to updated documents as to win moneys were received in person at a very much later date it was denied and no proper documentation provided. This was a very wrongful and illegal way to do business as they have destroyed credit scores, credit history, Lied about funds in the midst of destroying character.
Product: Credit reporting or other personal consumer reports

Equifax recently reinstated a fraudulent account ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I disputed on XX/XX/XXXX, which I had requested to be blocked and deleted from my consumer report, without notice or providing a method of verification, as required under FCRA 611 ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I spoke with a supervisor named XXXX ( Employee ID : XXXX ), who refused to provide me with a reference or case number and was extremely uncooperative. I am formally submitting a complaint against him and against Equifax for failing to comply with FCRA 611 ( 15 U.S.C. 1681i ). After this call, I spoke with XXXX regarding Case & Complaint # XXXX ; while she was slightly more cooperative, she incorrectly stated that the documents I provided on XX/XX/XXXX, were invalid because they lacked my Social Security number, despite my Social Security number being attached to Case # XXXX. From my experience, many Equifax supervisors seem incompetent and lack sufficient knowledge of their responsibilities. I have disputed several fraudulent accounts and provided Equifax with all necessary documentation, including a valid identity theft affidavit, proof of address, social and a government-issued ID.
Product: Credit reporting

XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have been trying to get a Loan forbearance, to wave loan payments for 4 months to move those payments to the end of the loan. W we are able to pay escrow payments of {$700.00} a month for 4 months. My wife has been injured at home and she is not able to work for 4 months. We put in an application for the loan forbearance loan Care keeps requesting copies of documents they have or have miss read the documents. We have not missed payments in the past. It seems they are dragging this out so they can for close on us we have letters from Loan stating they are ready. We are now almost two payments behind. We feel that they are not trying to work with us from their own rules we fit in for a Loan Forbearance.
Product: Debt collection

My doctor used a company called XXXX to process routine lab work I did. Soon after the lab work was done, I got a bill from XXXX. My doctor explained that the bill was paid by XXXX and no need to worry. Over a year later, I got a letter from a collection agency named " Accelerated Receivables Management, Inc. '' stating that I still owed money to them because of XXXX. I went back to my doctor and he explained that the debt had been paid by XXXX and it was a practice that they were known to be engaged in. I would like this to be investigated as I am being told to pay a debt that was said to have been paid for already.
Product: Student loan

On XX/XX/year>, I make a payment for a specific loan in the amount of {$3000.00}, {$3000.00} was withdrawn from my bank account on XX/XX/year>. I am coming up on XXXX month since I made the payment and there is no record or documentation that I made they payment on the Mohela website. My total student loan balance has increased since I made the payment. Since the payment is not posting, I am accruing even more monthly interest on a loan that I paid off in full. 

I have tried several times to call and speak to someone about my loan ; despite waiting on the phone for hours on various days throughout the week, I can not get connected with a human to discuss my issue. I am forced to wait through long voice messages just to be able to select number options to try and figure out whom I should be connected to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.