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

Events : On Friday, XX/XX/XXXX at XXXX I received a phone call the person identified themselves being with XXXX to verify I had purchased {$8900.00} in XXXX  Products. I told them I had not and it was fraud to stop the transaction. They asked if would like to be transferred to the Federal Trade Commission ( FTC ) to report fraud and I said yes that I would like to report fraud. I then spoke with a man named XXXX XXXX. ( XXXX ) He pulled up my name in his data base and said I was under investigation for suspicion of money laundering and drug trafficking. That under my name I owned 12 different homes, had 13 credit cards, 22 different bank accounts, and five XXXX accounts which I do not. He told me my name was associated with transferring XXXX XXXX in/out of the country. He told me they wanted me to cooperate with the authorities to apprehend the suspect to clear my name otherwise there would be warrant for my arrest, a lien on our home, and my assets frozen. I was told not to tell my husband or anyone as they could be a suspect. He then had me check on my laptop on the U.S. Treasury webpage to view the XXXX XXXX XXXX XXXX to protect my money so they could not freeze my assets. He asked if I would cooperate with the investigation to apprehend the suspect and I said I would to also to protect my assets.. Once my name was cleared and there was no warrant for my arrest I would then put the debit cards back into my American Express account.. He told me that I was to go to the XXXX XXXX XXXX XXXX and XXXX XXXX to obtain XXXX Gift cards in various denominations which you will see the transactions on my credit card. The amount on my American Express account is approximately {$4000.00}. Took pictures of the bar codes of the gift cards. He sent me a text picture of my arrest warrant from him at the CIA and he had me on speaker phone on my cell phone in my purse while I was in each store and in my car listening to all my conversations. If I did not follow his instructions the warrant for my arrest would be activated. I was certainly under duress. 
I have spoken with American Express and they have not been helpful. I have had my AMEX card sinceXX/XX/XXXX and their treatment of a loyal customer is unbelievable. I have worked for XXXX XXXX in Sales/Marketing for 30 years and I would never treat a customer in the manner that American Express has treated me in a situation that I was under duress. Thank you for any assistance you may provide and please contact me with any questions.
Product: Credit card

I have recently become aware that I am a victim of identity theft. XX/XX/2015, approximately XXXX 2015, there were several ( XXXX ) credit cards opened under a different name while utilizing my social security, date of birth and a different address that are not mine nor ever have been mine. I have tried to communicate with this company and between either only being able to speak with someone that basically speaks very broken English, I have seemed to gain no traction. I have also contacted XXXX, XXXX and XXXX to dispute with them accordingly in hopes to help expedite the removal of this information from my credit files.
Product: Checking or savings account

Overview : On the morning of XX/XX/XXXX, during a routine glance at my XXXX  XXXX XXXX app on my phone, I discovered to my amazement, that XXXX XXXX dollars ( {$3000.00} ) had been transferred from my saving account to some unknown individual via Zelle. I have never used Zelle services, and my bank records reflect that. It is clear that fraudulent activity was recorded on my saving account. 
I called the bank that morning, and I also sent an email to the bank using the suspicious activity link on the bank web page. I was expecting some acknowledgment from the bank of my report, follow-up notification, and status resolution, but none was coming. 
Over the next XXXX days, I made over XXXX hours of phone calls to XXXX  XXXX XXXX, including in-person appointments with the local bank branch. Unfortunately, as of now, I have no case number, no claim report verification, and communication on the facts with the bank. 
I have been with the XXXX  XXXX XXXX for 47 years, and they thank me for it every time they answer the phone. All my conversations with the bank associates ended with me waiting for hours for the so-called claim department listing to music and waiting for the next available representative. Finally, during my appointment at the bank, the bank associate agreed to call the claim department on her phone using her direct line. After an hour of listening to the same musical monolog, I left the office. 
Examining my account activities also reveals XXXX different attempts to add a transfer recipient to my account, XXXX before the successful XXXX and XXXX after. 

Bank Information XXXX account XXXX routing XXXX XXXX  XXXX XXXX )
Product: Checking or savings account

On XXXX XXXX XXXX, at approximately XXXX, I received an odd text message from Wells Fargo . It was so odd, that I wasn't sure it was really from Wells Fargo, so rather than answer it, I called them. Someone used my debit card number to transfer {$1900.00} out of my account using XXXX. Interestingly, the first XXXX times the transaction was presented, Wells Fargo denied it. They paid it on the XXXX attempt. The money left my account on XX/XX/XXXX. I started the complaint with the phone call on the XXXX, and followed up with another call on the XXXX. ( It took me XXXX minutes to get to a human. ) I was told to wait XXXX business days. After a few days, I got a letter dated XX/XX/XXXX saying that they had determined no money had left my account and the claim was closed. I assure you, the money left my account, and I can show you, if needed. I started another claim on Monday the XXXX ( as it took the letter a couple of days to reach me ). I spoke with a gentleman who told me he could see that the money had indeed left my account and so he filed the new claim. The XXXX days have passed, but I did reach out to Wells Fargo several times during the XXXX days, as I really need my money. Every time I reached out, I was told : " We are working on it. '' Someone will call you. '' " Someone will get back to you. '' None of that has happened. 
Here I am on XXXX XXXX of being out {$1900.00}, which is no small amount to a teacher who is not paid well in the first place. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX  eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. 

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

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. 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 not worthy 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 GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX DOE XXXXXXXX Balance : {$0.00} DOE XXXXXXXX XXXX Balance : $ XXXXDOE XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Product: Consumer Loan

I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Experian XXXX. XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX Consumer Dispute Center XXXX   XXXX XXXX  XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX  or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX I rented a house at XXXX XXXX XXXX XXXX in XXXX FL XXXX from IXXXX XXXX. Upon vacating I completed the required steps of cleaning the house. On XX/XX/XXXX I received a letter from FCO ( Fair Collections & Outsourcing ) stating that not only were they keeping my security deposit but also charging me an additional {$1300.00}. Prior to this letter, I was never notified by XXXX XXXX that there were any problems. They are now threatening my credit rating and I don't even know what they are charging me for?
Product: Credit reporting

I have verbally disputed with Experian representatives for the past 3 years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about the appearance of a XX/XX/XXXX bankruptcy-chapter XXXX case on my credit report although the case was dismissed right away, like no case being filed. However, on XX/XX/XXXX annual credit report this case still appears with the note as the result of being disputed, and I was instructed to mail in my dispute letter with the bankruptcy court 's dismissal order in order to have it removed in 7 business days ; therefore, I mailed the attached required document to Experian and followed up this morning with XXXX XXXX and her supervisor, XXXX XXXX of Experian Disputing Department, but they told me that once I filed the bankruptcy case either it was active or dismissed, the chapter XXXX bankruptcy still is on file until XX/XX/XXXX ( 7 years ) by laws. I was upset because this was the first time I was verbally disclosed this information as opposed to other Experian agents, and the dismissal bankruptcy case hurt my Credit Score badly. Therefore, I need your help to remove it from my credit report. 
Your consideration is gratefully appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXXTHEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXX.I have XXXX discharge papers i am willing to provide as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$1400.00}
Product: Debt collection

Received collections letter from SCA collections regarding XXXX XXXX XXXX, i have no knowledge of this debt & ask that it be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX XXXX XXXX XXXX to pull my credit on XXXX without permissible permission. See attached letter reflecting XXXX. XXXX attached forged & fraudulent permission dated XXXX XXXX will label this complaint as duplicate and reporting accurately. Experian will not research correctly and allow their client to steal information.