23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 I was a victim of a scam and yes it was my fault for not knowing this I needed help with linking my account with cash app company and I got there phone number from XXXX search I called the number which was XXXX I called and they answered cash app they said they would help me they said I had to make dummy transactions which I will get the money back 2 transactions of XXXX totally XXXX dollers were made to phone number XXXX from your bank through XXXX after the second transaction I told the rep to cancel this and return the money he said he could not until I make the 3rd I immediately called capital one bank and ask them to stop the transactions and they told me 2 of them already left I told them how could they leave in a matter of 2 minates and not put in a pending status they put holds on my accounts and was told by capital one that to go in to the branch and they will give me new accounts without the joint account holder present, I went into the branch i felt very uncortabke which I told the rep conducting this through a teller window becuase customers on line waiting can hear my information she said only way to do this I asked her for her help she said we dont open or change accounts at the branch and would offer some asisitance but she does not have to do this becuase all bank business is done on computer then I was told I need the joint holder present which I was told on the phone I did not have to do XXXX then teller told me she would be back in a hour she needs to do something for her boss the rep I was dealing with was XXXX and unasked for the manager I was told no mama her was in the branch I thought mama get would be mote understanding becuase i was a victim of fraud a scam but told no manager after 4 hours there at the bank they did not help me completely and not putting joint holder on new account.and when the teller came back the teller in the next window elderly white woman told me I was holding up her job and she had to do extra work becuase of me. They never gave me temp checks to use. When I went home I tried to call the capitalone number to add joint holder they claim to have computer problems and could not help me for days they sent me 50 checks in the mail but when I received them the account number was wrong on the checks to this day I have not received new checks I know this is partially my fault that I was a victim of fraud and a scam but if the bank did not dispose these funds right away which usually takes hours or the next day the criminal activity could have been stopped I feel very bad about the whole situation and I filed a claim and I was told it was denied I feel very bad that my money was taken and also the treatment using capital one I feel the claim should have been honored its legit a complaint about this situation a complaint was filed with the mustard attorney general, fbi and report will be filed with the police I wish this never happens to anyone what I went through and wish you would reconsider my claim I have been put through a lot please help me
Product: Checking or savings account

We applied for the SBA PPP on the first day that the PNC system was accepting applications and was somewhat stable but not functioning 100 %. We spent approximately 4 hours on the phone with PNC tech support to get the application submitted on XX/XX/2020. The email confirmation we received stated that there was no way for customers to inquire as to status. Rather an email would be sent if any additional information was needed. We have received no emails requesting further information. PNC has now provided online access to loan status. Much to our surprise our SBA PPP loan is still " under review '' within PNC and has not been submitted to the SBA. We have an established banking relationship with PNC, yet PNC never submitted our application to the SBA for processing.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX  bal. {$840.00}, XXXX bal. {$7300.00}, XXXX bal. {$150.00}, XXXX XXXX. {$2100.00}
Product: Credit card

I request that the CFPB investigate Citi 's failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Citi account ( ending in XXXX ) for {$3500.00} on XX/XX/XXXX ( see Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX License from the XXXX ( XXXX ) that I never agreed to purchase and that was never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through M attached below. 
XX/XX/XXXX, I called a Citi representative and notified them of the fraudulent charge on my Citi card of the fraudulent charge on my XX/XX/XXXX billing statement. I was told by a Citi representative on the phone that they would investigate the matter and refund the charge. Pending the investigation, Citi credited {$3500.00} back to my account on XX/XX/XXXX ( see Exhibit B in Attachment ). On or around XX/XX/XXXX, I received a letter from Citi notifying me of the pending investigation ( see Exhibit C in attachment ). XX/XX/XXXX, as a result of their investigation, Citi provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit D in Attachment ). On XX/XX/XXXX, I submitted a second written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a third billing dispute to Citi requesting that Citi investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through M ). 
In response to the second and third billing dispute letters, Citi has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Citi 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$3500.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
Product: Credit reporting

This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Product: Debt collection

We have submitted all necessary documents proving we owed no debt to XXXX XXXX, but XXXX says the disputed information is " accurate. '' It would seem XXXX XXXX XXXX has done nothing to cancel our debt despite receiving documentary proof that our rent balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been disputing this account named XXXX XXXX  for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Checking or savings account

There was a charge to my checking account at Union Bank but I do not recognize the name nor the amount. It appears to be from a company in XXXX and looks like an annual fee of {$99.00} dlls. Ive done a XXXX search for it but came back empty, no information was found. 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 XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.
Product: Debt collection

XX/XX/2016 a debt collection for a XXXX dollar medical bill showed up on my credit. I googled the debt collection company and called them and asked them to please send me proof of the debt. I had never received a bill from the hospital for XXXX and all my other hospital bills were paid. After I got out of the hospital in 2016 and after paying all my bills I ended up moving states. I think that what happened was the bill was sent to my old address and I never ended up seeing it and no one called me. When I called the collection agency they were very rude and said I owed them the money and how would i like to pay. I asked them to please send me proof to my new address which i gave them. Instead they just kept calling me and sending letters that I owed them. They never verified the debt. I finally called them back again and asked if i paid them the XXXX would they remove the negative collection from my credit and they said no. I think this is an unjust collection report on my credit since I moved and did not ever receive the bill in the first place.
Product: Consumer Loan

I had a car loan through Capital One that I got in XX/XX/XXXX. In XX/XX/XXXX, I was in an accident and the car was totaled out. Since I had just recently purchased the car the year before, I was under on the difference. Capital one called me directly and offered a settlement, to which I accepted and paid what they requested in full by the deadline that they gave me. They assured me that it would not negatively impact my credit report/score. However, it has and continues to impact my score/report. The first time capital one reported this account to my credit report after I paid the settlement, it was showing as if I was derogatory on making my monthly payment - even though the loan had been paid via the settlement. I called capital one to dispute this, and after several attempts, they finally changed the status to a closed account. Now, as I 'm applying for a home loan, I find out that capital one recently updated the closed car loan account on my credit report, and is it showing as if it 's a new derogatory account, even though it 's from several years ago. It has reduced my score and is significantly impacting my report. I will never, ever do business with capital one again. I am asking that this error is resolved so that it does n't look like I recently faulted on a car loan that was settled with capital one almost 5 years ago. It is reflecting as being updated on my XXXX report in XXXX XXXX. However, on my XXXX report, it reflects the last update as XXXX/XXXX/XXXX - which is what it should be as that 's the date of when our settlement was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talk to Trans Union A few times to Correct The fraudulent accounts and inquiries on my credit report and nothing have been resolved. I took the extra step to reach out to for help to correct this matter. Thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a student loan and was denied because of a supposed bad credit report from Trans Union
Product: Prepaid card

I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling in disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering these funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings 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 an transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX XXXX  in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and XXXX XXXX for XXXX Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. LEXIS XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( XXXX ) : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing Rock Ct XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX AXXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.
Product: Money transfer, virtual currency, or money service

Hello, Coinbase case XXXX I have provided Coinbase with all my information around XXXX, XXXX, XXXX and my account still frozen. 
I'm a legal resident of the United States of America, I provided them with all my identification, this is outrageous that they still have my account frozen. It shouldn, t take that long to check if someone is legal or illegal in this country. I opened a case a few weeks ago about this matter, case was closed. 

Thank you and hope I can get access to my account ASAP. 

XXXX XXXX
Product: Mortgage

it took me 10years to fix my credit when up to XXXX I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to XXXX with XXXX credit bureau I need consumer financial help me to get my credit up to XXXX so I can get home loan
Product: Credit card or prepaid card

XX/XX/XXXX transfer bal. {$6500.00} bal transfer fee of {$260.00} 0 % interest for 12 mths XX/XX/XXXX transfer bal. {$2700.00} bal transfer fee of {$100.00} 0 % interest for 12 mths XX/XX/XXXX {$1700.00} bal transfer fee of XXXX XX/XX/XXXX transfer bal of {$6600.00} transfer fee of {$260.00} 0 % interest for 12mths Wells Fargo is applying all my payments to each bal instead of taking it off of my first bal from XX/XX/XXXX and deducting it and paying this off. This is not what it says online when you transfer. Only 12mths plus 4 % bal. transfer fee.

Extremely misleading and I called Wells Fargo and they said that they would no help me.