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

On About XX/XX/XXXX I learned that a fraud notice was place on my account for no reason Known to me. There is not now nor has there ever been any fraud on this account which I have had since XX/XX/XXXX. Not even a negetive balance. 
I spoke with customer service several times just to be transfered back and forth, Hung up on treated very Rude, and plain unfair. While trying to just gain access to my money.. 
During this time I inform this company that I was evitcted during the pandimic and therefor only have a XXXX XXXX XXXX my address and per there policy I cant get a replacement card nor close my account to withdraw my XXXX unless I created an address I donot have. They refused to take the block off they account because I was homeless. 2 months later they are still holding my money from me and refused to send My new card to they only address I can access to receive any mail my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

XX/XX/XXXX  I tried to add {$200.00} to Chime from my XXXX debit card because I couldn't find my wallet and the only card I had with me was chime. It just said an error message when I attempted to add funds. XXXX ( my other bank ) froze my account because of attempting to add funds with chime because they " are problematic ". {$250.00} was taken from my bank account. Then chime froze the account only stating unusual activity. They requested me to verify my identity by sending the front and back of my driver 's license, a utility bill, and an explanation. I sent both sides of my license, the recent bill, and an explanation stating it was me that attempted to load my account with XXXX account so I could use their card. They never responded to my email even though it says 1 to 2 business days. I then called support. They then verified my identity and said I would get a response within 1 to 2 days which was a lie. I called again and they sent an email demanding social security cards, several bank statements, and more. They refuse to return the funds. I don't care if they close the account because I don't want an account that has no problem resolution and was useless in a time when I needed it. I want the {$250.00} they won't return returned to the bank account they took it from. It was more than I authorized to begin with. Nobody that answers phones will give information or a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) 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 INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and XXXX {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.
Product: Debt collection

I have a {$2900.00} debt collection on my credit resulting from an previous apartment that I lived in with my mother. I signed a lease, but she was head of household. We moved out and there was still a balance due. However my mother has filed bankruptcy since then and that debt has been cleared off her credit, but still shows up on my credit report. I need to get this charged cleared from my credit report, as it is hindering me from applying to future apartments. I should not be liable for this amount as it has already been put through my mothers bankruptcy. Its off her credit but not mine. Without this charge taken off I cant find a place to live.
Product: Student loan

My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!
Product: Debt collection

My 3 credit bureau reports show a collection account in the amount of {$6700.00} from Capital Accounts LLC, on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX opened collection date of XX/XX/XXXX, for work performed XXXX XX/XX/XXXX ( Exhibit 1 ). 

I have disputed this with all 3 bureaus. I called the collection agency and explained I never had this work done. I had some minor work done and paid. The collection company then sent me a detailed invoice and told me. " see you do owe this, and have a moral obligation to pay it ''. I explained ( again ) that the work listed on the invoice was never performed by XXXX XXXX XXXX, the fees were too expensive. I found a different XXXX  that accepted XXXX and that I could afford, and had those XXXX XXXX  fixed in XX/XX/XXXX. I sent the proof ( Exhibit 2 ) that the XXXX  were repaired at a different XXXX, and asked collection rep why would I get the same work performed a couple months after the date on the invoice from XXXX XXXX XXXX..?! 

The collection rep yelled that I got the work done on the invoice and had to pay. 

To prove my case, I requested the medical records from the XXXX 2 times. They have not produced them. 

This collection account has caused me financial hardship, in the form of high interest rate on car loan and denial on my application for my son 's college loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told to send a dispute request XXXX by a XXXX rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the XXXX past XXXX loan accounts that were transferred XXXX to XXXX XXXX . These accounts are still showing up open on my XXXX credit report & XXXX account for ( XXXX XXXX ) is still reporting open on Equifax . The other XXXX accounts have been removed on Equifax & all XXXX Accounts have been removed completely from the XXXX report. 
I have been disputing these error for XXXX  months & the bureaus are making it very difficult because when they send a dispute to XXXX to verify if these accounts are accurate, at the time of XX/XX/XXXX, XXXX credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with XXXX & this allows the account to stay on my reports. I have requested several times to XXXX XXXX Equifax to please ask XXXX if the loans were transferred to XXXX XXXX & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to XXXX XXXX Equifax the transfer letter & the recent letter I received from XXXX XXXX & they still won't remove the old loans. Both XXXX & Equifax are violating my rights & it's against the law to report inaccurate information on your credit reports. XXXX stated they need a letter directly from XXXX stating the loans were transferred & no longer opened & I no longer have a balance with XXXX. The last rep. I Spoke with XXXX ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX XXXX XXXX XXXX & no longer opened. 
XXXX & Equifax act like they never received that info. I'm requesting XXXX to report to XXXX & Equifax these accounts were transferred & are NOT opened & for XXXX  to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with XXXX any more & please remove these accounts. 
I have included a copy of my credit reports from XXXX XXXX Equifax, showing the XXXX accounts are currently still reporting open to these credit Bureaus. I also included the letters XXXX provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; MO CHILD SUPPORT DIVI XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the first complaint to Macy 's and Bloomingdale 's. I receive a letter from your company thru the CFBP. XXXX XXXX has her name on the bottom of the letter. I have made several attempts to call her during office business hours at the provided number of XXXX ext.XXXX. I have been unable to get in touch and unable to proceed with leaving a voicemail. 

The current date today is XX/XX/2020. I would like a response from XXXX XXXX with the appropriate phone number and fax. 

XXXX XXXX can now respond to the letter that I'm have attached for your viewing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very dismayed at your suggestion that I may be using a credit repair firm. I am appalled that a major international firm of your stature would commit such an obvious infraction of the Deceptive Trade Practices Act and Fair Credit Reporting Act. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. Please do not insult my intelligence in such a fashion again or I will immediately refer the matter to my attorney and take immediate legal action against you. 

DPT EDXXXX XXXX
Product: Checking or savings account

Hello my Name is XXXX XXXX, i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
In morning around XXXX ( XX/XX/XXXX ) I go to the chase bank to withdraw some many at ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, i find it that my card expiring XX/XX/XXXX. ( didn't know that, last withdraw was made by me of {$200.00} on XXXX last year XXXX ) After that I check on my phone App and I find out that on my account are couple transactions which I never know it and wasn't made any by me.. 
Those transactions : ( first one ) XX/XX/XXXX XXXX XXXX XXXX  ( Withdrawal Amount : {$4500.00} ) ( second ) XX/XX/XXXX. ( can't see the time ) Amaunt : {$200.00} ( third ). XX/XX/XXXX. ( can't see the time ) amount : {$200.00} there are + couples fees on in total {$7.00} and its one more of {$120.00}. 
When I see those transactions I go inside the bank to talk with a staff there, and someone there from the staff tell me to open for me claims, but the Claims didn't help me at all, they asked me to restrict my account and you will get many back, I did that but they didn't give any many back to me ....
Product: Credit reporting or other personal consumer reports

I have contacted the 3 major credit bureaus many times within the last 3 months bringing this grave misrepresentation to their attention. The following items has been reporting the same account twice on my credit report. This has hindered me twice the negative affect giving a review of my credit worthiness. Please see the attached proof of this mis justice. same XXXX XXXX account with multiple reporting. I'm demanding the immediate and permeant removal of these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has highlighted critical issues with the platform. I have personally experienced repeated challenges with Zelle, and despite reporting these issues, neither my financial institution nor Zelle conducted a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that transactions could not be tracked. The findings from the CFPB indicate that Zelle has failed to adequately protect its users, allowing repeat offenders to exploit the system and leaving individuals like myself vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about customer safety and trust.
Product: Checking or savings account

PNC billed me a {$25.00} fee on XX/XX/XXXX for not having sufficient funds in the right account. I rectified this issue, by transferring {$5000.00} to my virtual wallet " spend '' account ending in XXXX on XX/XX/2020. In exchange for rectifying this, PNC agreed to waive this fee. 

On XX/XX/XXXX, I was billed an additional {$25.00} fee despite having a balance of {$5500.00} in the checking account. The required minimum balance for this account is {$5000.00}. 

I was told that the reason I was billed was because the average balance did not equal {$5000.00}. PNC refused to refund the {$25.00} fee billed on XX/XX/XXXX as a result. This is not fair or ethical, as I did exactly what they told me to do in transferring the money to the checking account. PNC should refund this fee as well because it was mathematically impossible for the average balance to equal {$5000.00} due to the time it was transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

XX/XX/18 Wells Fargo VISA debit card given to XXXX merchant. Checking statement showed XX/XX/2018 withdrawal completed. Many letters on issue and bank says Wells Fargo VSA debit card does not cover merchandise /services, in accordance with Federal Reserve Regulation E on EFTA . Only certain errors are covered under federal laws. 
The bank by incorrectly processing the VISA debit card created a merchandise dispute, but erroneously handed the dispute as a credit card for merchandise. 
The bank has refused all demands and closed the issue last XXXX. The bank was legally subpoenaed for all debit card transaction with that merchant only,, XXXX, chargebacks, XXXX, merchant service records, but only produced a XXXX, 2018 bank statement showing the initial XX/XX/18 Purchase authorization, but they did state the Reg. E does not cover merchandise/ services, only ERRORS. 
Please clarify that when a debit card is given to a merchant, no disputes on merchandise can be made, A debit card is like a check or a EFT and unless the merchant agrees to refund or credit the debit card, there is no protection under law, even if the merchant erroneously runs it on a XXXX as a credit card in error?