23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Thursday, XXXX XXXX at approximately XXXX, I attempted to purchase a laptop computer as a XXXX gift for my husband through XXXX. The original price of the computer was {$790.00}, however the doorbuster deal was {$540.00}. I submitted my credit card information, twice, within 3 minutes and XXXX times were declined. Assuming this was an issue with XXXX ( due to traffic volume ), the option to pay through XXXX was also available. I submitted my credit information through XXXX and it was accepted. I received an email ( attached ) stating the payment was accepted and XXXX would contact me soon to confirm processing. 
Within 1-2 hours, I received an automated call from PNC for loss prevention, checking on the charges. The first XXXX charges were noted as " declined, '' which I accepted ( because they were ) and the third charge, through XXXX, was noted as " approved, '' which I also accepted. I did not receive any other calls or emails throughout the holiday weekend regarding the purchase. 
On Monday, XXXX XXXX, I attempted to contact XXXX XXXX regarding the order, with no luck. 
Wednesday, XXXX XXXX, I chose to further the investigating. XXXX Customer Service confirmed that PNC DECLINED the purchase on Thursday, XXXX XXXX, therefore my order was never processed and I would not be receiving the discounted computer. 
After speaking with multiple PNC Customer Service Reps on Wednesday, XXXX XXXX ( XXXX of them basic reps, XXXX of them Retail Escalation, XXXX of them a manager and still waiting on a return call from the direct supervisor of the manager ), the conclusion ( and these words came directly from the manager ) was that " After you approved the payment through the automated system on XXXX, it was your responsibility to go back in and submit the payment, AGAIN. " When has this ever happened?? I have never experienced a situation with a credit card that the purchase needed to be submitted AGAIN after an automated system. I told the Retail Escalation Manager that they prevented me from making a purchase on a sale item and I have now lost out on a savings of {$250.00}. What would be the point for me to keep a credit card with their company if I could n't use it on large purchases ( OF ONLY {$500.00} )? 

I am requesting compensation from PNC Bank, in the amount in which I have lost out on the deal ( {$250.00} ). Someone on their end completely messed up and they are refusing to take responsibility for their actions. An apology is not enough. I am a very loyal customer, have been with PNC for almost 10 years now, always pay off the credit card and although I so much appreciate the prevention of fraudulent activity, it has completely screwed me. They neglected to inform me that the last transaction through XXXX was never submitted and to me, this is completely unacceptable.
Product: Checking or savings account

I have Chime banking. I was sent an email asking if I had authorized transactions. I replied no. They called me after XXXX XXXX I was tired and stressed. The " agent '' said I had something called XXXX, an AI, attached to my account. I couldn't hardly understand him. He said to transfer all my money from my credit account to my debit account. Then he said it had to be sent to another account and then I would get it back. He tried one, someone I didn't know, but a warning popped up. He said " Oh no, that means XXXX is still attached and the money will be taken out tomorrow. I begged him to just wait until tomorrow but he adamantly insisted. He chose another person to send the money to that I didn't know but he said the money would be returned. I couldn't hardly understand him. Now my money is all gone. I can't pay rent or bills. 
I contacted Chime Support 3 times and they have twice denied the dispute. They asked again for more information. I had already sent screen shots of everything. I also sent a letter describing the situation. This wasn't my fault. I was scammed but they won't acknowledge it. I am so upset! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Product: Checking or savings account

I took a cashier 's check to my bank. I asked the teller, XXXX, if he could tell if the check was good. He answered " yes ''. I asked if I cashed the check could a stop pay be made by the other bank. He answered " no ''. 

I took the cash ; however, the other bank did have a stop pay on the check. My bank, Bank of America, debited my account for the cash I took. 

I have been told since, the teller could only tell if the check was good if it had been drawn on a Bank of America account. He made an incorrect response to me. I relied on this employee of the Bank. The Bank damaged me and I need to be reimbursed.
Product: Checking or savings account

My XXXX XXXX report claims that I had opened a account with us bank on XX/XX/2015 which at the same time I was doing a XXXX term so how can that be
Product: Checking or savings account

Placed an order on XXXX and my order was never delivered. XXXX refuses to refund, filed a dispute with Chime. They did not even review the claim, just automatically denied it. Will not allow me to appeal or speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 an 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: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a reasonable investigation of my credit dispute, as required by law. Despite my submission of supporting evidence, TransUnion has not provided evidence of a reasonable investigation and has instead issued what appears to be an automated or cursory response, stating that the disputed item remains accurate. 

This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. Instead, TransUnion appears to be confirming disputed information without verifying it with the data furnisher or reviewing the evidence I provided. 

Additionally, TransUnions actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), which prohibits unfair, deceptive, or abusive acts or practices in consumer financial services. The Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. 2023-CFPB-0003 ) highlighted similar violations involving XXXX failure to properly investigate disputes, demonstrating a pattern of noncompliance among credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to obtain my credit report thru XXXX XXXX XXXX but I was unable to get 2 of my reports XXXX and Transunion. My conformation number for XXXX is XXXX report date was X/XX/2017 XXXX XXXX XXXX address. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my whole credit report I noticed that FNB has pulled two heart inquiries on XX/XX/year> and XX/XX/year>. These two poles were two days apart and I did not authorize FNB to submit hard inquiries on my report. The fnb inquiries are fraudulent and do not belong to me. I have not received anything from Fnb nor have i inquired.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blockingof the erroneous information which is being posted to my report. Here is the list of items that do not belong tome or were opened without my permission. XXXX XXXX XXXX XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX & XXXX Original creditor : XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumeridentifies as information that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX 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 account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX
Product: Money transfer, virtual currency, or money service

A customer sent me a payment through PayPal of {$310.00} in error I immediately refunded the money back to the customer within five minutes PayPal says the customers financial institution is doing a charge back and my account is now - {$310.00} I can not use my account due to this and I rely on it to receive several payments. I am furious because the transaction is very obvious that the money was refunded immediately and I Should not have a negative balance in my account Its going on two weeks now and I cant believe theres any kind of question due to the clarity of the transactions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not complywith error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

+ not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amount to PayPal right away for whatever reason o They attempted to take out the XXXX out of acct but was rejected because the 2nd transaction from XXXX  made it first to bank o Was charged two {$26.00} over draft fees for XXXX o Bank refunded those on XX/XX/XXXX o They took out XXXX today ( XX/XX/XXXX ) o Bank charged me {$26.00} o Waiting for Paypal Case to refund me the {$680.00} PayPal # 2 XXXX XXXX XXXX XXXX ( REFUND RECEIVED ) o Order for XXXX placed o Did it wrong and hotbox sent refund right away o It was reflected under the refund section and in my paypal balance o I sent this XXXX to my acct o It was never received at bank and no longer reflected in paypal PayPal # XXXX XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Order is legit o Never received laptop o Seller wont confirm shipment or tracking o Catting with seller stated XX/XX/XXXX but nothing has ever been delivered
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and there's different spelling 's of my name, different addresses, and phone number 's, account I did not recognize. I reached out to all three credit beau 's to remove items
Product: Credit reporting or other personal consumer reports

Dispute of Bankruptcy Reporting I am writing to formally dispute the reporting of a bankruptcy on my credit report, which I believe is inaccurate. The bankruptcy in question is listed under [ 24-21463-jra ]. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies in my credit report. It is my understanding that you are required to conduct a reasonable investigation into disputes and to provide me with documentation of the investigation steps taken. To date, I have not received any such documentation, which I believe is a violation of my rights under the FCRA. Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) states that when a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct an investigation and notify the consumer of the results within a reasonable period. As I have not received any notification of the steps taken in your investigation, I respectfully requested that you furnish me with this information. I kindly ask that you review this matter and remove the bankruptcy from my credit report if it is found to be not reported from the bankruptcy court. Please provide me with written confirmation of your findings and any actions taken regarding this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Product: Checking or savings account

money was taken from with out authurzation and i called the bank of america about the dispute about money being taken they say that they have to filled a claim on my behalf i contact them number of time trying to get my to get my money back in my account i told them i have bills to pay and told them i was a costumer for 10 years never complain about money being missing {$810.00} dollars of XX/XX/23
Product: Mortgage

I bought my first home in XXXX, IL with the help of Academy Mortgage ( XXXX, Il ) in 2021. The following year I got hit with a scam ( publisher 's clearing house ) which was reported to the FTC immediately. No return action was given and the scam ramped up into XXXX attacks on me and the property such as trash bags being left on my front porch on a clean property and the gate to my back yard being broken. There was also a suspicious letter with a fake return address hand written left at the property. Still seeking help presenting all of this to the federal government so I can find all involved and press charges. I had to deal with all of this while recovering from sickness and trying to deal with a back injury that eventually sidelined me from work causing the eventual Mortgage lapse. The publisher 's clearing house scam was the beginning of someone with a disturbing agenda still targeting me and I'm not sure who all was involved so the FTC information I gave them was attempted to be a thing to get more info on myself but with no luck so far. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX