23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I went into XXXX PNC Bank location at XXXXXXXX XXXX XXXX XXXX XXXX, to deposit a check. After making the deposit I was informed that check would be held until verified. I received a hold release date of XX/XX/XXXX. On the XXXX I checked my account and deposit was not available. I called the branch location and was told that the fraud dept. could not get the check verified, and I needed to contact the fraud department for help. I immediately reached out to the payor of the check to inform them of what I had been told. The payor stated that they spoke with someone on the XXXX and verified the payment but would be happy to call PNC fraud dept back to verify again. The payor call PNC back on the XXXX and verified check once again. I call PNC back after that was handled and was told by someone in the hold department that the check had been released from hold, and the branch should be able to place funds on my account. On the XXXX I called PNC bank back to inform that funds still had not been deposited into my account. I was then transferred to at least XXXX different individuals and no one could tell me why the funds hadn't been deposited into my account, finally I spoke with someone at the branch where I deposited funds and was told that they needed help from the back office and had been waiting for help from the back office since the XXXX when check was initially verified. The young lady called the back office while I was on hold and still no resolve. I called customer care on the XXXX and was told by customer care that they couldn't help me and I was transferred back to the branch location, where I was told that they couldn't help me and the teller that was initially helping me was off work, and I had to wait until she got back to help me ( oh okay ). So I called back on Monday XX/XX/XXXX, just to be told the same thing by someone else. That the teller that was helping was out and I had to wait for her to get back to be helped, because she started the work. So no one else in the bank can help when someone else is off? So what if the young lady never comes back or is gone for a week? Do I just wait to pay my bills? Wait to go back to work? Because the payment was for equipment that was stolen from my business, so now i'm waiting on PNC to figure out how to clear funds to my account or just for someone else to take the initiative to assist a customer, instead of waiting on another teller to come back to resolve. I have weddings, parties, and shows that are booked on my scheduled and this is my source of income. Do I cancel my bookings until the teller comes back to work or until they figure out why verified funds haven't posted to my account? If that teller quits do I lose my funds? Or do I wait even longer to provide meals for my family? This has been the worst experience that I have had with any bank. This bank has caused me so much stress. My bills have fallen behind, and I have clients that have given deposits to me for their very important day. The run around is ridiculous and unethical.
Product: Credit reporting or other personal consumer reports

An Inquiry I don't recognize suddenly appeared out of nowhere on my credit report, I did not applied to it and I believe this to be fraudulent since it is unauthorized, I never gave permission to this company to access and pull up my credit report. This is stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are 0 late payments being reported. 

XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the 3 credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX TransUnion Consumer Solutions XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXXXXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Debt collection

I directly disputed through XXXX. It 's a apartment debt in which I did not resign a lease with the company my roommate done so I did not. I requested documentation that shows I 'm liable for the the debt I have not received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped 51-54 points because of XXXX. According to XXXX, and Transunion my credit score decreased 51 and 54 points respectively because XXXX  balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information to them. My card was stolen and XXXX denied me access to my account. I was not able to see unauthorized purchases or pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, Experian Account # XXXX, XXXX Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DCXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

AS of XX/XX/2017, I am two weeks late on closing on my short sale because my mortgage company will not approve allowable charges under the terms of the loan. They are claiming HUD wont approve but my attorney has gotten written documentation on the HUD approval for the charges. Roundpoint has been retaliating against the me because I have been sending complaints up the chain because of their POOR practices and work processes. They have held up my short sale or months. These delays are constant RETALIATION and should be against the law.
Product: Bank account or service

Still no complete explanation to my complaint. 
1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 
2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 
3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked company to investigate account to make sure everything is 100 % accurate. Company is still reporting inaccuracies on my credit report causing me harm. I wont account deleted immediately. 

Account : XXXX XXXX XXXX XXXX : XXXX XXXX, On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. On XXXX, XXXX Equifax reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) XXXX. Equifax also reported that last payment made was on XX/XX/XXXX, But how is that possible when XXXX reports payments for XXXX, XXXX, and XXXX of XXXX Enclosed is a copy of this account with inaccuracies, who is correct, Equifax or XXXX? Delete this account it is not 100 % accurate according to The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT ACCOUNT reporting on my credit report with a {$250.00} balance. THIS IS NOT MINE!!!! I have NEVER had a XXXX credit card with Synchrony Bank. I DEMAND this account be closed, reported as fraud, and removed from ALL XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I requested all my funds be withdrawn from my Coinbase account and be transferred to my bank account. Prior, to this transaction I did not have any problems withdrawing money ; however, this was the first time I withdrew all my funds. A week goes by, and I did not receive a deposit into my bank account. I reached out to Coinbase and via email was told to wait 3-5 business days, check with my bank because it might be holding my funds, etc., and if funds were not deposited to my account at the end of the 3-5 wait period, I was informed I should send documentation of the withdrawal. I waited, and sent the documentation as requested but did not receive any response after a week. I then resubmitted my documentation twice back-to-back and received an email telling me to be patient they will work on finding out what the problem was. I still have not been provided with a disposition or any customer follow up other than a random email that stated the following : Hello, We havent heard back from you regarding this case.

If you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. 

Thanks, Coinbase Support They provided no number or specialist to contact, and I never received any disposition to my initial complaint, nor an acknowledgment when I replied to the link above mentioned. It was as if they were only going through the motions. This company is one of the worst companies I have ever dealt with and I would not recommend they be seriously used for investment purposes. Please look elsewhere before depositing any amount of money with them. They have horrible customer service and basically refuse to return the money, in the same manner, they remove money from your account. This is bad business. The next step will be legal
Product: Credit reporting or other personal consumer reports

Comenity Bank I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) Credit report, and I noticed transactions posted on my credit report that are excluded by federal law. 
Account number Date opened XXXX XX/XX/2019 Your company is in direct violation of the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


You reported transactions from account number XXXX to my consumer report the above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person ( company ) making the report is not included on the consumer report yet you are reporting this information to my consumer report. 




The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is clear violation of the FCRA. 

I need the transaction deleted from my consumer report effective immediately.
Product: Checking or savings account

On XX/XX/XXXX my boss deposited my check into my venmo account of {$410.00} I sent {$260.00} to XXXX XXXX and I had {$150.00} remaining. The same day an hour later my account was frozen saying security alert and my account was suspended until I provided my identification. So at that time do so as they requested. On XX/XX/XXXX I finally received a response after multiple phone calls to them. The email stated Hello XXXX, Thank you for contacting us. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

However, I have temporarily adjusted the status of your account so that you can transfer your remaining funds to a unique bank account. You will not be able to utilize the instant transfer feature. Please let me know if you run into any trouble transferring these funds. 

Regards, Account Specialist After trying to access my account to try transfer my funds to multiple bank accounts. I was not allowed to do so because nothing had been done to my account to allow me to. I called them and they said that there is nothing they can do about it. That I may as well forget about my balance and that my account was closed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$3000.00} I believe the information being reported to be inaccurate.
Product: Credit reporting or other personal consumer reports

RE : LATE PAYMENT To whom who may concern, I recently looked at my credit and noticed that some account have late payments during COVID-19. however I talked to these creditor and I should not have missed payment.

Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it. I dispute the fairness of the late payments being reported on ALL MY account LISTED BELOW. These late payments are the fault OF THE CREDITORS that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, DURING THE PANDEMIC OF XXXX I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account, and that is no fault of mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me an updated copy of my credit report once the above statement has been added.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company could NOT freeze credit. Wanted me to send them my Social Security Number, a copy of drivers license and a copy of current utility bill. I think that mailing them that information would give someone that " stole '' the mail, all the info necessary to really commit identity theft. Both XXXX and XXXX were able to put freeze on my account easily and rapidly.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points after XXXX reported my students loans as deferment when they are currently in forced forbearance due to the SAVE plan litigation. I have reached out the the credit bureau 's to dispute the change.
Product: Checking or savings account

I made an order with XXXX XXXX on XX/XX/23. I want this item for my birthday and which was XXXX. I realized after speaking with merchant they stopped my order. I disputed the charge with Chime. Chime then said they denied my dispute. I contacted the merchant. They sent me an email stating which a screenshot that they tried refunding me the money but couldnt but the bank froze the funds. Chime has denied my dispute 3 times. Please help me retrieve my {$240.00}
Product: Checking or savings account

The bank only supports email support. I emailed them from the account email 3 times and get no response. I email them from another email account and they immediately respond telling me to use the other email. I have been stuck in a loop for weeks without support.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.