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

We are a Freight forwarding company established in XXXX and based at XXXX CA. We have an account with Bank of America, XXXX CA. On XXXX XXXX, XXXX we transferred {$13000.00} to our own back office / customer service center based in XXXX. As of today XXXX XXXX, XXXX the corresponding bank in XXXX has not received the funds. We have made several contacts with Bank of America at XXXX CA in person and over the phone. Our last contact was with XXXX XXXX and all he kept telling us was to wait and see what happens. Bank of America has put a recall on the funds based on our request but is taking no responsibility for the funds. Funds were transferred using online service provided by Bank of America. 

We need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I recently have been living for adjusting my own grounding per independence in my new life away from past individuals and have been struggling with a few things. I had placed a freeze on my credit reports ( XXXX ) credit impacting scale and since then have called multiple times to have it removed. Then once I tried logging into it, I can still no longer exercise the right to access it along with have financial usage in my everyday living. I am very hurt and getting frustrated with this issue. If you'd please help me in fixing this concern of mine I would appreciate it. 

It is the denial and or failure to accept my submissions via usage of my social security card that I am battling and tired of and annoyed. The frustration is extreme and I need it to be acknowledged immediately. I can not live comfortably with this type of stressing roadblock. If you'd please remove the freeze on my credit report immediately I would appreciate it. XXXX telephone call they agreed to remove it however it still is not accessible. Along with bank accounts being misplaced and in notified correctlt. If you'd please look into it as I can not live a life with disarray being the holding of my account security
Product: Checking or savings account

Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. 

I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. 

I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. 

On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. 

I'm also having this issue with PNC Points credit card. 

PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. 

In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. 

At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Equifax, XXXX and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Equifax , XXXX and XXXX . It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked EQUIFAX, XXXX and XXXX to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX XXXX XXXX ) not XXXX  valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.
Product: Checking or savings account

I was informed on XXXX XXXX that our checking and savings account will be closed for undisclosed reason. I contacted the Risk Department who's holding the fund also did not provide any valid reason when asked why the account is being closed and was advised to open a different account so I can transfer the funds. When I met the local branch representative within an hour of contacting the Risk office and provided the information, she contacted the same office ( Risk ) and received a different procedure, stating that I can not open an account and transfer the money. It has been 2 weeks that Bank of America is holding the funds from releasing even after I was advised by the customer services that I can go to the local branch and withdraw my money. I don't understand why the bank is holding up the release of funds if they want to close the account? The bank is arbitrarily treated us like criminals and will not allow us to access the funds. We do not have any liabilities toward the bank. I want to know why they suddenly tried to close our account and not let us access the fund. We do not have extra funds to pay for utilities and other creditors. The bank 's response was inconsistent and the customer is getting two different answers depending on who's contacting the same office.
Product: Credit card

I hope this message finds you well. I wanted to reach out to you regarding a matter that has been weighing heavily on my mind. Recently, I discovered some unauthorized charges on my account that I did not make. After looking into it further, I realized that my personal information, including my ID, had been stolen by a family member who is no longer with us. 

This situation has left me feeling incredibly vulnerable and exposed. It's difficult to come to terms with the fact that someone close to me could betray my trust in such a profound way. Dealing with the aftermath of identity theft is not only time-consuming but also emotionally draining. 

I want to ask for your support during this challenging time. Your understanding and assistance can make a significant difference as I navigate through the process of reporting the unauthorized charges and reclaiming my stolen identity. 

If you have any advice, recommendations, or simply a listening ear to offer, I would greatly appreciate it. Thank you for being a supportive presence in my life. Your friendship means the world to me, especially in moments of hardship like this. 

I am grateful for your understanding and compassion as I work towards resolving this unsettling situation. Please feel free to reach out to me if you have any questions or if you'd like to discuss this matter further. 

Thank you for taking the time to read this message. Your friendship and support are invaluable to me.
Product: Money transfer, virtual currency, or money service

I made a wire transfer from my Chase checking account to XXXX XXXX. XXXX XXXX  called me to tell me the wire was fraudlent. XXXX XXXX  asked that Chase Bank send a Hold Harmless Indemnification Agreement from Chase. When I call Chase they say they sent it to XXXX XXXX  and XXXX XXXX  never received it. Chase tells me I have to wait 30-90 days for a resolution. The wire was sent XX/XX/year>. If XXXX XXXX  didn't get the agreement why are waiting 90 days so this can be prolonged even further.
Product: Debt collection

I sent out a request for verifications of debt : To : XXXX XXXX XXXX and received no response. I cited all the important information Acct #, address, and explanation that the debt doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I received this message on XX/XX/year> - and sent ANOTHER dispute letter explaining to no longer contact me due to this debt does not belong to me. 

They did not respond. 

I do have the letters I sent out to them and the timestamp. 


Yesterday I received a new creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I need you to step in and contact these debt XXXX.
Product: Credit reporting

I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX XXXX Equifax Confirmation # XXXX XXXX, as to its source of verification. All XXXX CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the XXXX Bankruptcy XXXX XXXX Arizona to request how it reports bankruptcies to all XXXX CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the XXXX Bankruptcy XXXX XXXX Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only Transunion deleted the bankruptcy public record. Both Equifax and XXXX although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the XXXX Bankruptcy XXXX XXXX AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both XXXX and Equifax either will not or denies there is enough evidence from me to have them delete the record. Equifax even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX XXXX XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the XXXX Bankruptcy XXXX XXXX AZ. What more damning evidence does XXXX and Equifax need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by XXXX and Equifax to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX XXXX XXXX XXXX statute regarding my dispute as well as the letter from the XXXX Bankruptcy XXXX XXXX Arizona.
Product: Credit card or prepaid card

In late XXXX, 2018 I received a call from Citibank fraud department alerting me to possible breach. I identified fraudulent charges and was told they would be removed. When I received my bill for the period, there were a total of {$1900.00} in charges there were fraudulent. I called to get these charges removed, and was told they would be. To date there remains some {$450.00} of fraudulent charges, for which I am now expected to pay interest and penalties. My last statement shows a balance due of {$670.00}. I have made numerous phone calls and written a letter to Citibank to get this resolved. All I have gotten from them is run-arounds. The bigger problem now, however, is that while arranging financing recently for a new car I was told my credit score was too low, since " due to a reported debt by a credit card company '' my credit score had dropped from XXXX to XXXX. Unless this issue is resolved, I will be impacted every time I attempt to get credit.
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX account, with account Number XXXX has been disputed by me for the past few months, this account does not meat FCRA criteria and this company simple intends to leave it reported in my report despite my claims either because that they do not know what they are doing or because they want to create harm to me. 

First This account was closed on XX/XX/2022 however, it shows delinquent activity after closure.XXXX  XXXX procedures hace allowed this since XX/XX/2022 and this has been highly detrimental to me. 

Second Delete this account for violation because notice of dispute was not entered as required within the required period of 30 days from the date my first dispute was received, persuant to section 623 of the FCRA Third How can this account be closed and yet it says I am still paying XXXX in the montly payment section? Once an account is closed, there should be no montly payment Unless the status says now paying it was canceled.
Product: Credit reporting or other personal consumer reports

I have disputed a negative account on my report to equifax experian and XXXX XXXX all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the investigated.
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/XXXX i received letters from multiple credit cards companies stating that they are closing my account without any explanation some of the accounts were more then 30 years old. The accounts which were closed are as follow. 
1, Sears ( Citibank ) 2, Costco ( Citibank ) 3, Home Depot ( Citibank ) 4, AT & T ( Citibank ) 5, Best Buy ( Citibank ) On XX/XX/XXXX I wrote back to the companies requesting the reasoning of this decision! 
Even though the credit cards were belonging to different companies the one thing in common is the bank which is ( Citi Bank ) for all the above cards. 

On XX/XX/XXXX I received a reply back from the bank stating " During a recent review of your account, we discovered information suggesting that you pleaded guilty to conspiracy to distribute prescription pain medication to patients without examination or medical need. As a result, the above- referenced account was closed on XX/XX/XXXX. 
We appreciate the opportunity to respond to your inquiry. 
Sincerely, Card Services '' I am XXXX year old XXXX XXXX XXXX XXXX  with NO knowledge of medicines/ prescriptions neither have i been writing or giving out prescribed medicines nor have i ever been convicted or plead guilty of any such crime. I believe banks have got my information mixed up with someone else. 

I seek help from your department to get this issue resolved for me. 

Thank You Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 or my account without my written instructions.
Product: Credit card or prepaid card

I originally secured a line of credit via Synchrony Financial for XXXX XXXX XXXX. I paid the original purchase in full, on time, and early ( prior to the 12 months interest free period ). I made a second purchase on the same credit card, again paying it on time and in full. I maintained a XXXX balance and they even increased my credit limit from XXXX to XXXX. 
I was sent a letter on XX/XX/2019 stating that Synchrony had decided to close my account. They listed reasons for closing the account that were unrelated to my history with their company. Additionally, my credit score was higher at the time they closed my credit line than it was when they originally offered me credit. 
Not only do I fail to find justification in their decision, but their closing my credit line actually hurt my credit score by lowering it by several points. This causes me financial harm and impedes my ability to obtain other credit. 
I wanted to make a formal complaint because I feel that the decision was made in error and causes me undue prejudice and harm.
Product: Debt collection

I received a letter from Armstrong and Associates, XXXX XXXX XXXX, XXXX AL, XXXX, ( XXXX ) XXXX on XX/XX/2023, stating that I owed {$40.00} in debt owed to XXXX XXXX XXXX. I spoke with the XXXX department XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX  Central Time on XX/XX/2023, and they had no record of any outstanding balance or debt being submitted from any account associated with me or my immediate family. I called Armstrong and Associates on XX/XX/2023 at approximately XXXX XXXX XXXX and spoke with XXXX XXXX to dispute the claim. She stated that she would verify with XXXX XXXX XXXX and get back to me. I requested she share the name of a contact at XXXX XXXX XXXX who could verify their claim if the debt was not dismissed. 
I received a second letter attempting to collect on XX/XX/2023 that claimed to enclose verification of the account and asked that I call a different number than before ( XXXX ) XXXX. However, nothing that was included could be verified with XXXX XXXX XXXX. I called the number requested and they insisted that XXXX XXXX XXXX submitted the debt to them, and they have re-verified it despite the fact that no one at XXXX XXXX XXXX will back their claim when I call. They demanded that I keep calling XXXX XXXX XXXX and re-dispute the claim with Armstrong and Associates. When I tried to get to the disputes department. They put me on hold for an extended period of time, then when someone finally picked up, she identified herself as XXXX, and told me she couldn't help me. 
I believe that Armstrong and Associates is deliberately and fraudulently making this process unduly difficult in order to create enough burden that I will pay a debt that the original provider says I do not owe to them.
Product: Credit reporting or other personal consumer reports

these unauthorized inquiries 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 is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting or other personal consumer reports

This complaint is being filed to request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that has been the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate information consists of and account with XXXXXXXX XXXX XXXX  account # XXXX opened on XX/XX/XXXX with an amount of {$2500.00} ; and collections accounts with XXXX XXXX XXXX, Account # XXXX opened on XX/XX/XXXX with an amount of {$5300.00} ; XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$3100.00} ; and XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$6200.00}. These accounts have resulted in several fraudulent inquiries, collections, and an account appearing on my consumer credit report. I've attached a copy the consumer report maintained by you which shows the above mentioned items which were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of theft and fraud.
Product: Credit card or prepaid card

Discover closed my account on XX/XX/2018 due to doing a random credit pull that I did not authorize. This situation is disappointing to me because I was in good standing with this bank. Whats even more disappointing was they didnt even provide me with prior notice that they were closing my account.
Product: Vehicle loan or lease

My husband is currently XXXX. We turned in his XXXX XXXX lease. We did not release because of his XXXX. GM Financial is now claiming we must pay {$700.00} in lease disposition fees. I explained my husband is XXXX and asked if there was any coverage under the service members relief act. I was told there was not, I need to release a vehicle. It's physically impossible for me to drive two cars at once. I am looking for assistance in understanding the relief act and holding companies responsible for such actions as this. My husband puts his life on the line every day for our country and all GM Financial cares about is {$700.00}. We did plan on releasing when he returns home, so I asked if we could postpone charges as we did plan on a new vehicle when he got home. Any help would be greatly appreciated. GM Financial account number is XXXX.