23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I was contacted by PNC customer service because my XXXX payment did not process from my PNC account. The agent gave me the option to change my monthly payments to a non-PNC account, which I gladly provided and requested that all payments be drafted from the non-PNC account. On XX/XX/24, I contacted PNC because a received a notification that " negative '' information from PNC had been reported, which I immediately disputed. I requested a full review of my account, a review of the call from the agent that helped me change my payment account information, and never received this courtesy. An agent called me on XX/XX/24 to let me know that she would be glad to review all the information and take care of the issue. That agent called me back today to say that the change was made on the same date the payment was due and it was " MY '' responsibility to " tell '' the agent to make XXXX payments and not just XXXX -- the same agent that had my account on her screen as we talked on the phone while I was sitting in an airport -- the same agent that could have said XXXX XXXX, we need to make the XXXX payment too, because this change will not go into effect until XXXX. So, the end result is TERRIBLE customer service caused a late payment on my credit report, and the agent told me it was MY responsibility. I have NOT missed XXXX single payment with my LOC with PNC, which I have had over 5 years.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i mailed a letter requesting the assignment of contract including the chain of title, transfer agreement from the original creditor to Portfolio Recovery Services, and documentation showing each transfer if multiple agencies have owned this debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX And Cash App XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Client : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Dear Concerned Parties, I trust this message finds you well. I am currently experiencing a significant issue with Cash App on both ends and urgently need resolution for my funds. Given the lack of progress in our current communication, I find it necessary to escalate the matter. Effective XX/XX/XXXX, I will be filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and your state Attorney General 's consumer complaint department. The ongoing situation, marked by the shifting of blame between both companies, has left me frustrated with the absence of answers or access to my funds. Funds : {$3900.00} for XXXX XXXX XXXX ( Attached, please find the receipt of funds ) Cash App contends it never received the transaction.
Product: Credit reporting or other personal consumer reports

I've been a victim of Identity theft and as a results of this a fraudulent account has appeared on all three credit bureaus. This account by the name of XXXXXX/XX/XXXX is reporting late. I have no recollection of this account. At this point I'm requesting for this account to be remove from all three of my credit bureaus
Product: Prepaid card

Purchased {$500.00} Arizona Mastercard Gift Card instore from XXXX 's store located in AZ state on XXXX The gift card is supposed to be activated right after the purchase. 
The gift card was issued by U.S. Bank National Association. 

When I tried to use the gift card it didn't work and also balance inquiry also not worked when checked online using URL XXXX 

I contacted customer care using the number XXXX listed on back of the card. I was informed the card was inactivated due to fraud checks and asked to fax receipt, front and back of the gift card and Driver license to fax XXXX XXXX XXXX. 

I faxed all the relevant documents on XX/XX/2023. When I contacted customer service about replacement card, they replied they received the fax, but DL ID is not readable and asked to refax all the documents again. 

I did refax all the documents again on XX/XX/2023 and again contacted the replacement card and I got the same response, fax was received but DL was not readable. 
I suspect some sort of fraud by the bank and is trying to deny providing the replacement card saying documents are not clear. 

I already spent considerable amount for sending the Fax multiple times and I suspect they will provide the same reason and not willing to share the fax they received saying security concerns and not saying what is wrong and reiterating to fax again.
Product: Consumer Loan

i was issued a payday load through Green Trust Cash. I recently had death of my mother, lost time from work and unable to make payments. Company was notified and then they turned me over to collections, company called XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have already made a complaint against this company. The name is Receivables Performance Management. I made a complaint in regard to FDCPA violation on XX/XX/2021 ( complaint ID : XXXX ). On that day i also requested that the DO NOT call XXXX. They continually try to get me to disclose personal information to them but refuse to tell me who they are calling on behalf of. I will not disclose ANYTHING about myself until they disclose the creditor in which they care calling on behalf of, which they must do because i do not have any business with any companies by the name of Receivables Performance Management. They have continued to call my phone number multiple times after XX/XX/2021 when i requested them to stop. They called the following dates and times from different numbers : XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX Today i called the XXXX number and requested for a second time to stop calling my phone number and again the woman who answer tried to get me to disclose who i was but would not tell me who they were calling on behalf of. As per FDCPA i am entitled to know who the debt collectors are calling on behalf of before i disclose ANY information including identifying myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian On-Line has failed to fix an existing problem with their Boost system. I had made a complaint but to no avail. I have excellent payment records for several years for two boost approved accounts, XXXX and XXXX XXXX. Yet Experian has not posted them for an Experian Boost. They are plainly label in my checking account and I don't know why Experian can neither find them or post the for a boost. Please fix this problem.
Product: Debt collection

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.
Product: Debt collection

Cheadle Law has not stop a garnish that was paid in full on XX/XX/year>. They owe me a total refund year to date {$1900.00}. 
Before the garnishment I paid the bill for 9 months and they should have sent a modified garnishment for only {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX late payments ( XXXX, XXXX, and XXXX  days past due ) for both accounts [ Account Numbers : XXXX and XXXX ]. These entries are inconsistent with my payment history. Despite disputes submitted on XX/XX/year>, XXXX XXXX has failed to provide validation. 

This letter serves as a formal request for investigation and validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Issues Identified Account XXXX [ XXXX ] : XXXX late payments ( XXXX, XXXX, and XXXX days past due ) have been reported inaccurately. 
A past-due amount of {$30.00} is listed without proper validation or notice. 
Account XXXX [ XXXX ] : Similar late payment markers ( XXXX, XXXX, and XXXX days past due ) and a {$30.00} past-due balance are being inaccurately reported. 
Consumer Law Violations 15 U.S.C. 1681i ( a ) : Under the FCRA, I have the right to dispute the completeness or accuracy of any item on my credit report. XXXX XXXX is obligated to investigate and correct any inaccurate information. 
15 U.S.C. 1692g : The FDCPA requires creditors or collectors to validate debts upon request. This includes providing accurate documentation of the delinquency and any supporting information.

Demands for Validation and Resolution I request that XXXX XXXX conduct a thorough investigation and provide the following : Validation of the reported late payments, including dates, payment history, and proof of delinquency notices sent to me. 
Documentation to substantiate the {$30.00} past-due amount for both accounts, including itemized charges, fees, and original agreements. 
Immediate removal of any unvalidated or inaccurate information from all credit reporting agencies.

Attached is a copy of the debt validation letter, copy of my DL, Credit Report, SS Card, Insurance Card for address verification.
Product: Money transfer, virtual currency, or money service

My small business uses Square as our point of sale system. We redesigned our entire website to be able to connect to Square through an online store. Our last deposit from Square was XX/XX/2020. We were notified beforehand that deposits would be withheld until more information was submitted. Per their request, we uploaded the COA ( certificate of analysis ) for the XXXX products that we have been selling since the pass of the Farm Bill Act. All of our products are local and completely legal and we provided the documentation requested. Their website acknowledges the uploaded documents. Weeks ago, one of our employees, my daughter, spoke with a Square customer service representative and they weren't sure why funds are being withheld but were going to escalate the issue. No response was received back. Telephone contact is no longer an available option for my business. Multiple emails have been sent but only through their website so there is no record on our end and no response from Square. No contact is possible and Square is withholding the money from our customer 's purchases of actual goods from our storefront. Meanwhile, we still have to fulfill our customer 's orders without being reimbursed by Square.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

It was in Texas, someone had open an account in State Farm bank to purchase a vehicle using my name. I had never done it, I'd report it to the local police and it's still under investigation. I am a victim of Identity theft, and I am disputing this because I did not open this account to purchase a vehicle. Currently I do not have any open auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on last XXXX XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting 2 mortgage inquires made a day apart as separate hard inquires. When I called they repeatedly said they do NOT follow CFPB policy/regs/law and instead count every inquiry by a different company as a separate inquiry for the purposes of calculating scores regardless of when and why made.
Product: Credit card or prepaid card

I purchased XXXX Am Ex gift cards each worth {$500.00} ( total of {$2000.00} ) on XX/XX/XXXX at XXXX. At XXXX XXXX on XX/XX/XXXX I called Am Ex Gift card customer service to report that I had reason to believe the cards would be used fraudulently. The agent told me he would put all of the cards on hold. He also said there was some activity on the card earlier in the day. He told me to call back in a week and that I would be reimbursed for the full value of the cards once they had cleared all of the transactions.. 
When I called Am Exp gift card customer service on XX/XX/XXXX the agent told me all of the cards were spent and that I could not be reimbursed despite the fact that I had reported fraud and there was a hold on the cards. The agent told me that the first agent should have explained that holds are only internal and Am Exp does not notify merchants. She also told me that the first agent should have given me the name of the merchant where the transactions had occurred. The agent told me that on XX/XX/XXXX Am Exp for the transactions on the gift cards despite the acknowledgement from the agent that there was a hold on all of the cards. 
On XX/XX/XXXX, Am Exp gift card customer service gave me all the transaction numbers and told that the purchases were made at one XXXX XXXX in XXXX XXXX. The agent advised me to call XXXX. I spoke with the XXXX XXXX manager who referred me to XXXX Customer Service. XXXX said it would do nothing to investigate and had already been fully paid. The XXXX XXXX manager had all of the transaction information about how, who and the address of the purchasers but would not release it to me. 
Am Exp gift card services would not investigate the fraud.. I called Am Exp corporate offices and the person who answered the phone told me there was no one who could help me.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report, about a fraudulent an alleged late payment On an account XXXX # XXXX This account is being reported inaccurately, I demand these payments be updated to on Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached email from someone that is trying to represent Experian. If this email was sent to me from Experian, then there should have been a notation that it was in reference to my CFPB claim no. XXXX! As there is no notation I have to believe that Experian has a data breach happening and I have been included in that breach. If this email is from Experian, I have no issue with providing the requested information, but not until I can confirm that it is legitimate.
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  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my report by these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX 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 XXXX they should be promptly removed from my credit report. Since it has been over XXXX XXXX  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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

Issue : Electronic Payment from XXXX XXXX XXXX to M & T Bank is not credited by M & T Bank after 10 days. 
Description : A payment of {$10000.00} was made from my personal Checking Account with XXXX XXXX XXXX  of NJ to my personal Checking Account with M & T Bank. Payment originated from XXXX XXXX XXXX  and set as " Electronic payment ''. 
Payment Date : XX/XX/2020 Amount : {$10000.00} XXXX XXXX XXXX did originate the payment and did provide written " Proof of Payment Transmission for Payment ID XXXX ''. It clearly states all relevant payment details, including M & T bank Checking Account number where the payment was supposed to be credited, amount, my full name, date and time when payment was transmitted. 

This is not first time when this type of payment was made from/to above mentioned accounts and I had no problems before. 

After 6 days, I did not see the credit in my checking account at M & T Bank ( accessed through M & T Web account ) Monday XX/XX/2020 I did contact local M & T Bank Branch in XXXX PA. I was advised to call M & T XXXX number. 
I spoke to following Customer Service persons : XXXX XXXX XXXX, XXXX and finally connected to XXXX that I was told is a Supervisor. 
XXXX did confirm that information provided are correct, other previous identical transactions were processed without problem. The most recent identical transaction was processed on XX/XX/2020 for the amount of {$500.00}. 
XXXX mentioned that is unable to provide an explanation as to why the latest transaction of {$10000.00} is not properly processed. 
She mentioned that an Investigation will be initiated and she will call me no later then Wednesday XX/XX/2020 with a resolution to my issue. 
As of today XX/XX/2020 XXXX I have not heard from XXXX XXXX 
I made a call to above mentioned XXXX number and insisted to talk to XXXX. This time XXXX took the call and I was asked numerous questions not only directly related to identify myself and my Account but also questions that I was never asked before by any bank, including M & T bank. Like : Who are you employed with? What country are you citizen of?. To me looks like my accent played a role in triggering additional questions. 

When I objected to unnecessary and annoying questions finally was was put on hold and after a while I was told that my issue was not resolved, XXXX goes into a meeting and I will be called by XXXX when the issue will be resolved. 
I took the answer as : We will take care of you, the customer, whenever we get to it. 

The {$10000.00} was intended to pay a Home Equity line of Credit that I have with M & T Bank. 
The M & T bank sits on my monies for 10 days or so, while I am charged interest on my Home Equity Line of Credit. All of this white I wonder what happened to {$10000.00} This doesn't look right to me
Product: Vehicle loan or lease

Santander Consumer USA Holdings Inc ( SC.N ), an affiliate of the XXXX   XXXX  XXXX, allowed borrowers to make interest-only monthly payments without explaining that doing so would increase the total cost of the loan. 

I have been harassed by this company they offered interest only payments. I was told I could refinance but XXXX in 6 months here I am 6 years total balance has hardly decreased. 

Ive begged if pleaded to help they dont want to help. Long wait times that end no where. 
I have been paying {$420.00} for 5+Years and the balance doesnt go down. I see there are many lawsuits I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax XXXX XXXX, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and exporting 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 CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.