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

I realized on XX/XX/2023 that 2 unauthorized transactions were sent out of my account at PNC Bank. I quickly contacted PNC Bank to file a dispute. My disputes were denied on the basis that it was a transfer from my account at PNC Bank to my account at XXXX XXXX XXXX. PNC also stated that the transaction took place on a recognized device. I never opened an account at XXXX XXXX XXXX, nor do I do business with them. Upon hearing this news, I called XXXX XXXX XXXX for more information. Representative told me that they were not allowed to browse their clients accounts to provide me that information. I called the police to resolve the matter, and was referred to this website to submit my complaint. I have reached back out to PNC Bank and XXXX XXXX for more information, and I was unable to find any help for the money that was stolen. Between XX/XX/2023 - XX/XX/2023 there were 3 external transfers that were done from my PNC account # XXXX to a XXXX XXXX XXXX account # XXXX totaling {$4900.00}. However, in an email from the XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX stated that I was not the account holder of the recipient account.
Product: Prepaid card

I was gifted an American Express gift card as a present for XXXX from family. Attempting to utilize the gift card, it has been declined by multiple websites and even though the purchase amounts are less than the available balance. Upon contacting American Express to try and resolve the issue, no explanation for why the card isn't accepted has been provided and I was also told that the card is locked and I can not use the card until at least one week from today, effectively making the gift useless. This feels like a scam on their part since the card can't be used initially at reputable ecommerce websites like XXXX, XXXX or XXXX and is now Locked from further use for at least the next 7 days.
Product: Debt collection

XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for XXXX as XXXX of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to Fraud, XXXX XXXX XXXX XXXX to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration XXXX 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : American Express XXXX, AMEX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as XXXX XXXX XXXX, Incorporated doing business as XXXX, XXXX XXXX doing business as XXXX XXXXXXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, Latitude XXXX, XXXX XXXX : Coordinates XXXX XXXX ' XXXX '' XXXX, XXXX XXXX ' XXXX '' XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to my Car financial company ( AMERICAN CREDIT ACCE ) and advise them that they haven't reported my current payments in the last 2 months to all 3 credit bureau. and the balance on all 3 bureaus are incorrect.
Product: Mortgage

I have been subject to constant, harassing phone calls from Green Tree Mortgage for the last XXXX years. 
I am divorced, but the mortgage on my former home is still in my name, as my ex-wife can not get it in her name. As part of the divorce decree, I pay my ex-wife, who is responsible for paying the mortgage. I pay her, but she is unable to make the payments on time. Green Tree will call me continuously, from XXXX a day to as many as XXXX times a day for XXXX weeks out of every month, and then start again.Green Tree is fully aware of these circumstances, but has continued to harass me. This has been going on for XXXX years, calling my cell phone at various times during the day, leaving threatening messages regarding legal action against me. This has been going on for years. Please make them stop.
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by Experian, XXXX, and XXXX. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies Experian, XXXX, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that Experian, XXXX, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct the following items 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

It has been XXXX months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn XXXX  days and at the very latest XXXX  days.
Product: Credit card

I have over 50 fraud charges and was not provided provisional credit for most of these. I have another complaint outlining the gross negligence of the fraud charges themselves. I have attached an example of not getting my provisional credit. This card was also STOLEN so some vendors may be legitimate but I did not authorize these
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

i want to see the original bill broken down from the original lender. all the broken down charges and original from hospital or doctors office, or ambulance services. 

If you can not provide the original valid bill, you have no right to collect any funds from me or ding my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the with Experian and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

Through XXXX, I was trying to fix my credit file. I was given recommendations for credit cards through XXXX and XXXX. Commenity Bank offered three credit cards, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. I applied for all three and was approved the credit limits for each was XXXX. I used the same information on my application for each of them and obviously the Bank reviewed my credit file and I was approved. Shortly after I paid my first payment on my XXXX credit card, my limit was dropped down to XXXX, I called customer service and they informed that it was my error, I wasn't approved for the XXXX. No body from Comenity Bank ever contacted me. Over 6 months, I have used the cards and paid them in full. THERE has been no change in my credit file, my ownership of my home and I am constantly monitoring my credit worthiness with the two credit reporting companies. I went to use my XXXX XXXX XXXX XXXXXXXX credit card and it was declined. I contacted the company only to be informed that my account was closed ... .WHY... .Nobody from Comenity Bank contacted me, but I did get a letter informing me that they closed my account due to no open real estate, too many revolving accounts, too many bankcards with High balances and too many inquiries. I am working on rebuilding my credit and nothing has changed since I applied for these credit cards. In addition, Comenity Bank has reduced my credit limit on both my XXXX and XXXX XXXX credit cards. Their information and inquiries to my account is actually hurting me and I have been a good paying customer.
Product: Debt collection

They called my job 4 times within 2 hours. I told them not to call me there and they told me they would call anytime they wanted. Also told me they were getting ready to take legal action against me. Said they were going to deliver legal papers to my home or work. Refused to give me their physical and/or mailing address. Stated they were under no legal obligation to. They refused to tell me why they were calling or what type of business they were. After some research I found they were a " debt collector ''.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I deposited {$26000.00} into my savings account. Bank of America BOA said the funds were available, but overnight they emailed me and said they are putting a hold on the funds. XX/XX/2022 I went to the XXXX California branch and requested they release the hold. 

I then received an email stating that they are releasing the hold. 

On XX/XX/2022 I was going to use the funds and the bank app and a call to their customer service center said the funds are not available. They said they can hold it as long as they want. I checked the bank that I drew the funds from and the funds left my bank on XX/XX/2022. 

I called the XXXX California branch, and the person answering the phone stated to me that I can not access my funds and I am contacting the wrong person. 

I requested a call from the branch manager who was initially helping me and he refused to connect me.
Product: Checking or savings account

They shut down my East West Bank. I contacted them several times and they said they were investigating. They were full of nonsense. First of all, XXXX deducted my money. I contacted XXXX and did not deduct my money. Now I asked them specifically, and they said they couldn't tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: Money transfer, virtual currency, or money service

Unauthorized transfer without my consent and can't pull my money because it was to XXXX without my permission, Buys are currently disabled for your account. We apologize for the inconvenience. 

FILTERED BY TOKEN HOLDER XXXX BALANCE XXXX SHIB VALUE {$890.00} ( XXXX XXXX ) [ 0.0000 % ] Transfers Info Contract Analytics XXXX [ Download : XXXX XXXX ] A token is a representation of an on-chain or off-chain asset. The token page shows information such as price, total supply, holders, transfers and social links. Learn more about this page in our Knowledge Base. 

Back to Top XXXX Logo Powered by XXXX XXXX is a XXXX XXXX and XXXX XXXX for XXXX, a decentralized smart contracts platform. 

Company About Us Brand Assets Contact Us Careers We're Hiring! 
Terms & Privacy XXXX XXXX XXXX XXXX  Documentation XXXX XXXX XXXX Status Newsletters Products & Services Advertise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX companies involved in this scam : Americor Financial, Credit9 Lending, XXXX XXXX XXXX XXXX XXXX. By Mail these companies solicit to offer credit consolidation & do absolutely nothing. Their process is that they will negotiate or structure debt without filing a XXXX XXXXXXXX Bankruptcy, yet they understand the typically debt resolution process of the creditors better than the consumer. Unfortunately, they allow your credit cards to go delinquent which drops your credit score. The scam is that once creditors offer the consumer debt resolution offers, the scammers charge 25 % of the original balance for supposedly negotiating your credit debt by doing nothing & not paying anything for an entire year. Upon the successful completion of consistent monthly payments, the scammers fraudulently offer a fake loan to pay or cover the remainder of the consumer 's debt that is never negotiated. As such, your monthly payments for XXXX  year are applied towards the scammers 25 % fee for doing absolutely nothing but ruining your debt by false & fake advertising. The fake loan offers require consumers to apply to their sister company which naturally lowers your credit score more so than their program & the fake loan is adjusted below $ XXXX, based on the consumers fraudulent negotiated debt leaving the consumer with a price-gauging high interest loan applied towards credit debt that was never negotiated while also leaving the consumer with ruined credit. The consumer can view funds withdrawn in the form of ACH & reflected in the scammers account, yet the consumer does not have access to funds & unable to withdraw funds that are fraudulently withdrawn under false pretenses. Once the consumer is falsely misled by the scammers bait & switch, the consumer is unable to transfer or request a refund for services that were never rendered or provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to NOT exercise their grave responsibility to be fair, impartial, and there was no respect for my rights to privacy as a federally protected consumer. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX XXXX # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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 instructions.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate complaint. I need the intervention of the CFPB like I've asked for in complaint XXXX and also referenced complaint XXXX. 

TransUnion has been completely incompetent in handling a dispute that I have as well as not letting me look at my credit report online. Transunion started a case number XXXX  XXXX on XX/XX/year> due to me not being able to view my credit report on Transunion.com. It was supposed to be resolved within 72 hours and it is still not fixed. When I call their number I can only get to offshore call centers where the associates are not only rude but have no option of transferring me to the United States. I DO NOT WANT OR CONSENT TO OFFSHORE ENTITIES HAVING MY PERSONAL INFORMATION AND SOCIAL SECURITY NUMBER!!! 

Furthermore I disputed a fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX  ) with TransUnion and they just write the account off as verified. This account was not opened by me. I asked them for proof of verification and I got nothing back. I don't know what to do. If TransUnion truly believes this is my account then I demand the following. 

Detailed reports of : Proof of Method of Verification disclosing their investigation of this fraudulent account. 
Detailed proof of the date the account went into collections. 
Detailed proof on how you came to believe that it was me who opened this account supported by factual evidence. 

If this information isn't provided I would like the names, business addresses, and business contact numbers of the individuals involved in this investigation so I can have my lawyer issue subpoenas to appear in the federal U.S District Court of Colorado.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report on 3 agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are XXXX inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : Creditors have entered my name incorrectly when requesting my credit report. Regardless, there are addresses that should not appear in my credit file.