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

On XX/XX/XXXX, I was the victim of a scam involving ticket resale via XXXX. When I noticed something was wrong and attempted to get the money back, the individual disappeared and blocked me. Upon attempting to track down the individual, it appeared this person had stolen another persons identity, along with other individuals, to con people attempting to buy XXXX XXXX tickets. I immediately contacted my bank ( PNC ) to attempt to stop the transaction and they said they couldnt stop the transaction even though it had not posted. They told me I had to wait for the transaction to post to take action. As soon as the transaction posted ( XX/XX/XXXX ), I reached out to PNC Bank to report the scam and ask for the charge to be rejected, and in less than XXXX hours, according to my denial letter, they said the transfer was valid and processed as instructed. 

I received no concert tickets for the money I paid. The individual promised a refund if I changed my mind and when I attempted to get my money back they disappeared. PNC Bank offered absolutely XXXX protection under Regulation E and clearly made no effort to investigate the claim. PNC Bank put me in a position where despite actively attempting to stop a debit charge prior to the payment posting ; I was forced to lose the money with no remedy. 

XXXX payments are instant only if the person receiving the money is actively enrolled, and it took almost XXXX hours for the funds to post, so the individual did not have an active account when the money was initially sent. Pending payments can be cancelled by the bank in which the money is being sent from. PNC Bank chose NOT to cancel the payment, which resulted in the loss of {$600.00} and a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681o for failure to properly investigate disputed information and for initiating an unauthorized dispute without my consent. 

Background : I previously disputed a tradeline from XXXX XXXX XXXX with TransUnion that was completed XX/XX/XXXX. Despite providing notice that the account was inaccurate and unverifiable, TransUnion verified the information as accurate. 

On XX/XX/XXXX, I contacted TransUnion to request information about their verification process and how they deemed the XXXX account accurate. 

Instead of responding to my inquiry, TransUnion initiated a new dispute without my request or consent, which is a deceptive and unauthorized action. 

Meanwhile, XXXX has now deleted this account from my credit report after acknowledging that XXXX XXXX failed to verify the debt.

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) TransUnion failed to conduct a reasonable reinvestigation after being informed the information was inaccurate.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) TransUnion failed to provide proper notice or documentation regarding the verification.

15 U.S.C. 1681o TransUnions negligent reinvestigation and unauthorized dispute submission have caused undue harm, distress, and continued inaccurate reporting. 

Lack of parity between bureaus TransUnion continues to report an account that XXXX and XXXX has removed due to lack of verification. This inconsistency should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If Experian, XXXX, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Current Name Inquire Type Inquired On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

YOU Experian have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports
Product: Checking or savings account

A complaint was filled about a Wells Fargo check number XXXX for {$980.00}. The check was clearly cashed out at a XXXX XXXX XXXX from an unknown person, this person is not associated with XXXX XXXX XXXX. The check maker ( XXXX XXXX ) has expressed to Wells Fargo that the check should have been cashed by XXXX XXXX XXXX. However, Wells Fargo told the check maker that XXXX XXXX XXXX needs to make a complaint. 
XXXX XXXX XXXX made a complaint to Consumer Financial Protection Bureau. And received a letter from Wells Fargo, stating that XXXX XXXX needs to file the complaint. 
In the XXXX XXXX XXXX  letter, Wells Fargo understands the difficulty, and that XXXX XXXX XXXX didnt receive the payment however can not act with the information received from a third party. To file a claim please have the maker of the check contact Wells Fargo. The maker of the check is XXXX XXXX. 
XXXX XXXX contacted Wells Fargo as instructed by the letter. Wells Fargo stated that they see the transaction was posted correctly. However, the transaction was incorrectly cashed out by someone other than XXXX XXXX XXXX. This issue was constantly being stalled because Wells Fargo is making both parties go around in circles. Time is going by and both sides need this issue resolved. 
Both parties have complained and have letters from Wells Fargo about this issue and was ignored. 
This complaint is now being filled by XXXX XXXX because Well Fargo see nothing wrong with the check being cashed out by an unknown person.The check should have been cash out by XXXX XXXX XXXX only, as stated on the check.The check instructions are on the attached check and was not followed by Wells Fargo. Wells Fargo needs to fix it. They even admitted in the letter to XXXX XXXX XXXX that the funds didn't go into XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, XXXX, Experian ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 3 days I have input my information into the place a freeze and all but once they can not process the information, try later. Finally I got past that point and they recognized my record and stated need to pull more info up - and then popped up the message can not process the information, try later. Tried later, got to second screen and it is asking me to clear a freeze when their system has never allowed me to place a freeze. And if their system believes it has a freeze - I have not created any passcode or method to unfreeze it so I need help. Try calling for help and get stuck in auto voice XXXX - The credit service that caused us to have to do this can not get it done - got the other two done in 10 minutes total time - pushing 4 hours with Equifax. They should have manpower setup to help resolve these issues as I can see from the web that they are totally failing the consumer now.
Product: Credit reporting or other personal consumer reports

Requesting proof of ownership on the account as my phone has been compromised and sim swapping and someone had control over all passwords and all fanacial information including ssn number to access all account s and to be able to use them without my knowledge
Product: Debt collection

Genesis credit management tries collect wrong amount on contract it clearly says early termination results XXXX move out.They kicked me out the apartments for criminal.mischief..I don't owe anything because it was proven that I wasn't the one who did anything..They sent a letter apartments Said you have 3 days to leave..So I don't owe anything says I owe XXXX I was only there 28 days so they owe me money
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

On XXXX, 2022, while I was at home, I had XXXX Chime Bank notifications appear on my phone stating XXXX transactions that were processed, XXXX for XXXX XXXX for {$28.00} and the other for XXXX for {$110.00}. Since I knew that I did not make these transactions I automatically thought that my debit card number must have been compromised. I contacted Chime support to immediately dispute both charges and locked my debit card. I was also able to go ahead and order a new debit card which automatically cancelled the original card. Once I submitted the info it stated that I would be contacted by support within XXXX hours. I did hear from them until that following Tuesday. The person I spoke to stated that both transactions were still pending and the disputes could not be filed until both transactions were out of pending status due to sometimes these types of transactions may fall off. Also, they stated that they could issue a provisional credit for both while the disputes are being investigated. Once the {$28.00} transaction cleared, I was granted a credit for that amount. At this time, XXXX was still pending. I checked my account XX/XX/XXXX ( or XXXX ) and saw that the {$110.00} transaction had cleared my account but at the amount of {$100.00}. I checked my chat stream with support and noticed that it stated that the issue was resolved so I went ahead and contacted them again to let them know that XXXX had cleared so they could investigate. Again, was told I would be contacted within XXXX hours but this time I heard from no one. Today, XX/XX/2022, I contacted them again but by phone. I was informed that I would not receive a credit for the {$100.00} because it did not qualify because it was in a pending status at the time. I told them if that is the case then why was the other transaction able to be credited when both transactions were done on the same day within the hour and I reported both of them together at the same time. The representative just kept repeating that the transaction didn't qualify. So I am out of {$100.00} that I did not spend or authorize to spend.
Product: Checking or savings account

I am a customer of BBVA Compass and my bank was recently acquired by PNC Bank. I was reviewing my account and noticed a {$3.00} fee pending on my checking account and a {$2.00} fee pending in my savings account for paper statements. I never had paper statements with BBVA and this should have transferred over when my account was transferred. Instead, when I went to change my statement preference to paperless, I was told that this would take effect for the next statement cycle but nothing could be done for the current cycle. I should not have to pay any fees for a service I did not have, did not request, and can not opt out of. I want my fees refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : 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 XXXXXXXX XXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is missing 'date payment received ', 'scheduled payment amount ' and 'actual amount paid '. Report reads 'no data '. Please provide full payment history attached. 

XXXX XXXX XXXX # XXXX has 'date opened ' as XX/XX/2018 and payment history for XX/XX/2018 is missing.
Product: Mortgage

I owned a home in Michigan for XXXX years. Shortly after buying, Seterus became the loan servicer. Difficult company to work with overall, extremely difficult to reach anyone and when you do, they are woefully unable to do anything other than recite information you already have. Most recently, I was lucky enough to find a buyer for my home and moved towards closing it XX/XX/XXXX. I was told the payoff prior to closing and it was approximately {$140000.00}. When I showed up to close, the amount had jumped to {$150000.00}. The main driver for the variance was an amount labeled " Interest Arrearage '' in the amount of {$5200.00}. After numerous calls to Seterus and much time wasted, no one is able to explain this or even provide a simple accounting as to the breakdown of the {$5200.00}. Very unprofessional and possible fraudulent. But par for the course with Seterus overall. I 'm hoping this oversight entity, the CFPB, will carry more weight than a lowly consumer such as myself when asking the same questions. Please help!
Product: Checking or savings account

I AM A XXXX YEAR OLD SENIOR WHO HAVE BEEN CALLING DIRECT EXPRESS SOCAL SECURITY CARD HOLDER AND HAVE MADE SEVERAL ATTEMPTS AT LEAST 20, TO CLEAR UP XXXX DOLLARS IN CHARGES MADE IN XXXX XXXX AND I LIVE IN XXXX  XXXX, NY I HAVE TRIED CALLING DIRECT EXPRESS NUMEROUS TIMES AND WHEN I DO GET THROUGH THEY KEEP ME ON HOLD FOR WELL OVER 2 HOURS AND THEN HANG UP ON ME. I NEED THEM TO PUT BACK MY MONEY IN MY ACCT BECAUSE I AM SENIOR AND I NEED TO PAY MY BILLS BECAUSE OF ME BEING ON A FIXED INCOME.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The issue with the payment over Synchrony ( TJMaxx ) and PayPal continues, since I could not get any email answer over my missed transaction. I am not sure whether the transaction was cancelled or not, since I found out the charges of same amount on the same day, which was XX/XX/XXXX. And I found out that second 'authorized ' transaction after I had the chat conversation. I want to know whether this chat representative added this charge {$58.00} while we had the chat conversation, since she could check the transaction history, and stating these two transactions would be void. Can you imagine this frustration, irritation, and anger, since it just started to know whether the transaction of original order ( XXXX order # XXXX ) was cancelled without consent of mine? Where is the human right of consent over credit card/online payment system in the United States ? Especially, I ordered this multi-box XXXX XXXX XXXX XXXX to make sure enough ink to finish the paper works to proper file to the District Court in XXXX, NJ. This document of file was sent from the Clerk, and I finished it with difficulty since I did not know what it was. Therefore, I must have the right to ask the repayment of all costs including the postage, paper, ink, envelop, pen, tapes, clips, and other necessary shipping and filing costs, along with human cost ; that mean the hour payment to file these disgusting cases and disputes over XXXX cases less than half year of XXXX. 

I attach the added part of the letter to XXXX. XXXX XXXX. 

XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have an issue with the charge of a credit card, which transacted through PayPal payment system. Even though I am not sure whether your company online payment system has had the serious issue or not, which caused the delay of transaction system more than XXXX hours and cancelled my transaction without consent, I included all process to file the complaint to Consumer Financial Protection Bureau to express my concern, frustration, and anger over my missed product of your company without any explanation and answer over email, which I am supposed to receive as a right of consumer. I add all starting letter below to indicate the issue with Synchrony.com.
Product: Debt collection

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete the following ACCOUNT from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

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

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

Also, they are not in compliance with metro 2 credit reporting.