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

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

Chase Bank advertised their Chase Sapphire Reserved Credit Card would offer up to {$100.00} credit per year in charges related to Global Entry or TSA PreCheck as part of the benefits of the {$450.00} annual fee. 

They honored the {$100.00} credit in year 1 ( XX/XX/XXXX ),  however, didnt give me the credit in second year of card ( XX/XX/XXXX ) even though repaid annual fee. Told me the policy was now only once for lifetime of card. I never received any formal notice of this change and wouldnt have renewed card and paid another {$450.00} ( now {$900.00} in card fees ) for this credit card had I known this. 

After contacting company they will not refund charge and only state current terms.
Product: Credit card or prepaid card

Today XX/XX/XXXX, I talked to customer service about my XXXX XXXX dollar charges for the last the company spokesman at XXXX XXXX XXXX, when asked if they would forgive the 2 fees, sense Im a senior citizen ( XXXX ) on a fixed income and cant really afford this {$60.00} penalty for late payment, they send no. Because I had already used up my one forgiveness and only 1 is allowed. I mentioned my increased confusion and forgetfulness as I age, do you have auto- pay and they said yes. I wish I was made aware of that months ago so I paid my bill on the phone and will set up auto-pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}
Product: Student loan

I have reached out to them several times to try and figure out why Im in forbearance. They also wont take me off. They told me that one of the reasons was due to the fact I filed a borrows defense application and that I was approved but they have to finish things up and that take time. They sent me something I was approved but I was not approved. I emailed them and by the time they responded they said that I reached out by phone so my issue wasnt an issue. I cant get a straight answer from these people. They call and tell you something different each time.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX 2017 I made a payment of XXXX the coinbase.com REF : COINBASE XXXX XXXX XXXX from my XXXX Credit card. since then My account has been inoperable. Upon login it states 'Sorry, account temporarily disabled. Please contact support. '. 
Contacting support results in no reply, or when a rely is present it says, we are working on your request. I think after nearly two weeks they have had more than enough time to deal with re-enabling an account. 
All I want now is my money refunded, and to never have anything to do with these charlatans again. 
Although I am aware the are supposed to be one of the biggest XXXX exchanges in the US, I feel they do n't have the ability to to use a XXXX  pun organize a XXXXXXXX XXXX in a brewery. 
Apologies for my wording in the previous statement, but these people need to be dealt with, and there license to trade be removed, as they are a liability to anyone, and do n't seem to care either way. 
Yours Sincerely. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.
Product: Debt collection

XXXX XXXX XXXX is a consumer as defined in 15 USC 1602 i, 15 USC 1692 a 3, and 15 USC 1693a 6. Navient is attempting to collect an alleged debt while using misrepresentation and deception. As defined in Title 15 US Code 1693a 9, a financial institution is a person holding an account belonging to a consumer.
An account, defined in 15 USC 1693a 2, is an asset account for personal, family, and household purposes. Communications from Navient are misleading and deceptive.
This consumer has contacted Navient on attempts to show within the laws of the United States that the above codes are accurate. These attempts have been ignored and misdirected. Also, this entity is sending communications to family of the consumer at different locations PRETENDING to not know how to contact this consumer. More deception. According to XXXX this entity shows an annual revenue of nearly 60 Billion Dollars!!!!! https : XXXX The CFPB recently sued this entity for deception. XXXX XXXX XXXX, Consumer/Creditor is claiming actual damages, pursuant to 15 USC 1692 k A 1, in the amount of {>= $1,000,000} USD.
[ 2017 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC .
Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. ] According to the Navient website, seen above, this entity is not sponsored by or an agency of the United States of America. Unlike the consumer.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Debt collection

Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.
Product: Money transfer, virtual currency, or money service

Business bank account was closed by company with no explanation or reason why it was closed. After account was closed our customers continued to send ACH payments to the closed account. PNC bank tells me the ACH transactions were returned to the sender which is XXXX County Clerk of Courts Comptroller.

I contact sender and tell them PNC insists that the funds were rejected and sent back to the sender which is XXXX XXXX. The county comptroller then provides me a copy of their financial statement showing where the funds were sent out to PNC bank and never received back from PNC bank. They also provide me with a ACH payment trace number, which is then provided to PNC bank. They requested a return trace number from PNC bank in order to be able to track where the funds went since PNC bank is insisting they sent them back. To this date after countless calls and emails to multiple PNC bank branches, several in-person visits to multiple branches, and multiple calls to PNC bank customer service reps in multiple departments, PNC bank has not provided a return trace number for either of the two missing ACH payments of over {$4000.00} each. PNC bank has not initiated a single call back about this issue since day one, I have had to contact them every single time, only to get told they can not find anything and the funds were returned. If these two ACH transactions were not returned, I feel fairly certain there could be more transactions that were not returned as well. I had this bank account opened since I started the business since XXXX. After they closed the account there were still other ACH payments erroneously being sent to the account from different customers over a year later that PNC banks also states were returned to the sender but will not provide me with the list of transactions so I can verify if that really happened. 
This issue first started in XX/XX/XXXX for the first transaction and XXXX of XXXX for the second transaction and I still feels like I have not made any progress. The county comptroller states that she can not dispute the issue with their financial institution without a return trace number from PNC bank in order to verify that the missing funds were actually rejected by PNC bank and sent back. Now PNC bank is trying to tell me that they can not get that info because it was too long ago. 

Missing ACH Payment # 1 for {$4600.00} was sent from XXXX County to PNC BANK on XX/XX/XXXX. The original ACH trace number is # XXXX Missing ACH Payment # 2 for {$4400.00} was sent from XXXX XXXX to PNC BANK on XX/XX/XXXX. The original ACH trace number is # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by ( Experian/XXXX ) account number is XXXX I am disputing this account based on violations of the Metro 2 credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Payday loan, title loan, or personal loan

XXXX XXXX, 2017 - I forgot my password on my account to log in. The only way to reset the password online is to have the account number. I receive e-statements that do not include the entire account number and was never provided any card for this line of credit, so I do not have access to the account number. 

I called customer service to assist me with resetting the account password. After validating my social, name, address, and phone number, I was told they would not assist me in resetting the password because my cell service provider did not support the short-form message type that they needed to have me validate. ( I use XXXX ). My options were to a ) contact XXXX and request that they change the policy on my account to allow for the texts from Wells Fargo, or b ) go into a branch location to validate my identity. 

I escalated to a manager, who provided me the same options again. I asked him how I can make a payment and access the information on my account without this and he directed me to the mortgage division. I DO N'T HAVE A MORTGAGE WITH WELLS FARGO. I let him know this is not in regards to a mortgage and he begins to backtrack. It became apparent that they did not even know what type of account I had. 

With all of the issues they have had recently with altering their member 's accounts fraudulently, I would very much like to be able to access my account. Apparently, the only way to do so is to travel a great distance to show up in person or negotiate my cell phone provider to change their company policies. My personal information is not enough to validate my identity, I have to rely on a 5 or 6 digit code to be text. Seems outrageous. 

I have the manager 's name - XXXX XXXX to contact. In the interim, I am trying to find my original paperwork from prior to when I went to 'paperless ' on the account to find an account number to reset my password on my own. The process does not make sense and is highly inconvenient to the consumer who is just trying to pay their bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am suffering from identity theft crime. Someone used my personal information to obtain credit goods without my authorization. The problem was reported to three major credit reporting agencies back in XXXX, 2020. 
XXXX  and XXXX XXXX found all accounts that I reported to be fraudulent and removed them successfully from my personal credit report. 
XXXX  is not accepting all of identity theft reports ( FTC and XXXX county police ) and continuing to post few fraudulent accounts on my credit report. 
Those accounts are listed as XXXX XXXX XXXX XXXX CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have requested verification and validation of these accounts, but XXXX  nor the creditors of these accounts never followed with my demand. I believe that both parties are in violation of FCRA and FDCPA.
Product: Credit card or prepaid card

I hired XXXX on XX/XX/XXXX at the recommendation of XXXX. I needed a coaxial cable to be run into my home. 
I prepaid with my Capital One credit card when I scheduled the appointment. 
The technician came and didnt install the cable. He recommended we use XXXX cable already installed which obviously didnt work. He spent a couple of hours trying to make the old cable work instead of installing a new one. 
I had to hire another person to run the cable. 
XXXX hasnt refunded my payment didn't refund my payment. 

I proceeded to initiate a chargeback through Capital One. Sent them all the documentation. 
XXXX responded saying the service was performed. 
The chargeback has been reversed by Capital One and considers the case closed.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I tried to contact PNC regarding unauthorized transactions on my bank checking account and my PNC credit card. In XXXX, I went to a music networking event and spoke with various entertainment marketing companies and met for coffee with one business owner ( based on the presentation they gave and the response from the attendees ). 

While at coffee, my cross-body bag fell off the back of my chair and was picked up by XXXX XXXX ( the owner of the music marketing company and placed back on my chair. We wrapped up our meeting and headed out our separate ways. Upon me heading to my vehicle, he called out my name and came towards me and handed me my phone and wallet ( stating he noticed them when he was leaving out still on the floor under the booth where we were seated ). 

At the time, I thought nothing of it, until I began to notice extensive charges being debited from my account via XXXX. 

I noticed in XXXX, as I was working on my upcoming album release and was planning out my budget for advertising. I reached out to PNC to inform of this issue and the total amount of the transactions that were fraudulently debited from my account, even provided a spreadsheet export from their website where it shows the XXXX transactions totaling {$2100.00}. 

The claim I filed for my PNC credit card ( and my XXXX credit card ) were both refunded back to me, as they all were attached to my CashApp with my PNC debit card. However, PNC has refused to refund the unauthorized transactions back to my account and it is going on 2 years this XXXX and I don't understand why? 

I have been with PNC for a nice number of years and have NEVER had any issues like this, and the action PNC is refusing to honor goes against XXXXXXXX XXXX fraud protection ( which is the logo on my debit card ). My family 's attorney spoke with an executive at XXXX and was informed that PNC is in the wrong in this situation and when a customer 's information has been compromised, they should do everything to rectify the issue and not frustrate the customer. 

I just want the money that was fraudulently taken from my account when my phone and wallet fell out of my cross-body during a coffee meeting I had, and I didn't notice. Since then, I've updated the fraud protection on all of my financial accounts. 

I even tried to contact the company when all of this happened, but their website, and social media profiles were all wiped clean- it was like they were a ghost ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNATHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNATHORIZED ITEMS ON MY CREDIT REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE. PLEASE REMOVE THIS FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX   account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is XXXX it shows that I had a An account since XX/XX/2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is cap one they keep on reported me messing up my credit please help me get my identity back.
Product: Debt collection

I have tried to contact the credit bureau XXXX, TransUnion and XXXX I cant seem to get any help my email address is XXXX phone number is XXXX My information keep selling my information to those collections company and its wrong by law and the credit bureau Act
Product: Checking or savings account

My Netspend bank supposed to had sent me a new card. They sent it to another address in New York. The addressee got my card an activated it. An proceeded to withdraw my money from my account. They withdrew XXXX. XXXX from my account. An left me with a negative. I called my bank about this and filed a complaint. They said it would take about 10 business days for them to investigate it. When I called to check on it. They told me it was my fault and negligence on there behalf. Can you please help me get my Social security money back.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within XXXX business days. 
To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law.

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur. 
I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX took XXXX UNAUTHORIZED amounts out of my banking account for {$69.00} and {$130.00}. I am a XXXX woman on a fixed income. I just moved, while going into my account to pay my rent, I noticed the charges right away. I couldn't believe this was happening because that was part of my rent money! I tried contacting XXXX XXXX time and time again and have no luck reaching anyone to resolve and get my money back. I have been told by their customer service team to contact the chat services over and over again, and have not gotten anywhere with XXXX XXXX regarding returning my money that was an UNAUTHORIZED transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 2 disputes to Experian regarding incorrect information being reported from XXXX  XXXX. Evidence was sent twice that an account reporting 30 days late was not owed in the first place. I also called Experian and spoke to someone about the account being reported incorrectly.Experian updated the information to reflect paid/closed and 30 days late.
Product: Debt collection

Pioneer Credit Recovery , Inc acting as a debt collector violated the FDCPA several times. I sent them certified mail requesting validation of debt followed by certified Cease and Desist, Affidavit, and invoice. Pioneer Credit Recovery , Inc violated FDCPA 15 USC 1692b2 and 15 USC 1692f1 twice. They are liable both criminally and civilly and the invoice to be paid for the 3 violations documented. Proof Pioneer Credit Recovery , Inc signed for notarized documents sent and failed to respond.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my XXXX XXXX  XXXX