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

On XX/XX/year>, I transferred {$19000.00} to my XXXX XXXX account with the intention of subsequently transferring the funds to my XXXX exchange account. However, on XX/XX/year>, XXXX XXXX put my account under " regular review '' and requested additional documents, which I promptly provided. 

From XX/XX/year> to XX/XX/year>, I communicated with XXXX XXXX via email, responding to their requests and providing all necessary documentation. Despite this, my account remains disabled, and my funds are still inaccessible. 

I have sent multiple follow-up emails to XXXX XXXX seeking a resolution but have received no response since XX/XX/year>. I also contacted XXXX for assistance, but they informed me that they are a separate entity and could not help beyond sending a notice to XXXX XXXX. 

This situation has caused significant distress as a substantial amount of my money is locked and inaccessible. I am seeking immediate assistance to resolve this issue and regain access to my funds.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Inquiry from XXXX XXXXXXXX XX/XX/XXXX, and a Inquiry from XXXX XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Money transfer, virtual currency, or money service

I purchased a money order in XXXX of 2020 the money order was lost .i made a request on there form for a refund .i payed the required 30 fee for lost mo.they claimed there was a error in my submission .and they would require additional info .weeks later nothing now I cant even get thru to speak to a rep seems like they made it so I cant get past the Automated service my name is XXXX XXXX of XXXX XXXX XXXX XXXX ny XXXX the amount of the mo is XXXX dollars the company is western union
Product: Credit reporting or other personal consumer reports

There are billing mistakes on my credit report, specifically late payments that don't reflect my usual payment behavior. Kindly fix these errors and update my account.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan on XX/XX/2018. While on the phone, and dealing with the contract I specifically asked the person if i paid off the loan on my next check what the full amount due would be. I was told about {$30.00}. When the time came to make the payment, all of the sudden it was very much more. I could not afford the full amount so I just let them take out the {$58.00}. Ive since made numerous payments, including one on XX/XX/18 inn the amount of {$58.00} & {$41.00}. On XX/XX/18 I request my payoff amount. I emailed them five times in total, with the last one on XX/XX/18. All requesting my payoff amount. They then called me on XX/XX/18 and said they were attempting to collect a debt. I asked how I was in collections when they have automatically been debiting my checking account each pay period since I took the loan. I told them Id had enough and that Id be filing a complaint with you all. I disconnected the phone. I then received a text message that stated my payoff amount is {$240.00}, and asking how I intended to take care of the payment before it is escalated further. I texted them back and asked escalated for what? Ive not missed a payment ... they automatically deduct it. I also sent a screenshot of my checking account showing the payments on XX/XX/18. This company lied to me on the day I took the loan. They have not given me my payoff amount even though I have emailed and texted requesting it numerous times. It always takes a week to hear from them, all the while they are racking on the interest to my account. I have now put a stop payment on my account. I will not allow any further payments to be automatically deducted from my account. I have no issue paying a debt, but I will not be financially XXXX. 

I do have emails that I can forward to you all showing my requests. I will attach screen shots of the texts I received today, as well as ones that were sent a few weeks back.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

On XX/XX/2022, a payment of XXXX USD was sent to a closed account. PNC has since, refused to reverse the payment, sent the incorrect amount to an incorrect address, refuses to contact about the situation in any manner that would give me record of the conversation. PNC refuses to communicate over phone call, and is not accepting any phone calls with recording. I do not consent to one party recording, and the illegal actions PNC is constantly trying to pull is extremely concerning. It has been over 2 months with all signs pointing to PNC ignoring this situation. They blatantly stole money
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Product: Vehicle loan or lease

KIA Finance America removed closed account from one credit bureau XXXX, but did not remove from credit bureaus XXXX and XXXX as required between XX/XX/2022 and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have sent letters along with copies of my credit report to show and prove that the account I'm providing is mine and that it isn't being reported correctly because it is only being reported on my XXXX report. Both Equifax, and XXXX refuse to investigate or rectify their errors on my reports. These errors have caused me constant declinations, and tens of thousands of dollars. Please help me to get this resolved.
Product: Checking or savings account

Last month it was scheduled for me to receive my child tax credit advance payment deposit on the XX/XX/XXXX I received the payment just fine on the XX/XX/XXXX. I was scheduled to receive the second payment from same child tax credit which is issued by the department of treasury mind you, on the XX/XX/XXXX. I was concerned when I did not receive the payment on the XX/XX/XXXX so being cautious I went ahead and went to the chat feature provided but the company app which says chat agents available 24/7. Was quite surprised when I discovered that instead of a chat agent being available to answer my questions instead I got a prompt from a robot that said nobody is available online at this time please leave a message and we will get back with you within 24 hours. I have made multiple requests through this chat feature through the support feature on their website I have called the phone number multiple times try different ways to access through the automated system to speak to a representative and still have yet to speak to a human being it is advertised everywhere that this company has customer support 24/7 I've had issues in the past and been able to speak to a person in less than 24 hours using the chat feature it is very concerning that all of a sudden I can not access a person on the chat feature I can not access the person calling the phone number I can not access a person using the support system on their website and on top of this my {$550.00} deposit issued by the government that I find very unlikely was not issued to me by the government and in no way the government 's fault is mysteriously non-existent I have now waited approximately 19 hours the 24-hour mark will be after close a business today which means I will not have access to my money before Monday and I understand this is not anybody 's problem but my own but it just so happens that this deposit was necessary to complete my XXXX-year-old 's birthday party and to not be able to speak to somebody in regards to this money is beyond me upsetting and I honestly feel like this company needs to be held accountable for this issue. When I could not contact somebody at current I read my agreement paperwork and found a phone number to call if I have questions in reference to my card and the number was for XXXX XXXX XXXX which is who issues the actual card. When I spoke to that person I was offered to be directed to a voicemail solution number. Which is just a voicemail and I had already left multiple messages prior to this but I feel this is important to this complaint because I am positive that it is False advertisement to say 24/7 customer support through a chat agent when in fact there is NO way to speak to a human and even the robot chat agent tells you that no one is available to assist at this time but leave a message and somebody will get back to you within 24 hours. That is not 24/7 chat agent customer service that is simply a text mail box and a voicemail box and in no way are either one of those seen as customer support.
Product: Credit card

I was told my credit card is closed due to not having active XXXX membership, and I needed to renew it. I did but they closed it anyway. 
No calls before, no mail, nothing. 
never past due, never late, excellent credit, still in shock
Product: Payday loan, title loan, personal loan, or advance loan

I took out on personal loan with One Main Financial and took out another loan for more money which included the amount from the previous loan. Insurance add on was included making the monthly payments hirer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, for self lender XXXX XXXXXXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Complaint and Request for Inquiry Removal Dear TransUnion Fraud Department and Credit Karma, I am writing to formally report that my personal information has been stolen and used to fraudulently apply for credit cards. I have discovered unauthorized inquiries on my TransUnion credit report from XXXX XXXX XXXX XXXXXXXX . The details of these inquiries are as follows : - XXXX XXXX : XX/XX/year> - XXXX : XX/XX/year> These inquiries are a direct result of identity theft, and I request that they be promptly removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any information resulting from identity theft. 

I have taken steps to report this identity theft to the relevant authorities and have placed a fraud alert on my credit files. I kindly ask that you investigate this matter and ensure that these fraudulent inquiries are removed from my credit report without delay. 

Please confirm the receipt of this letter and keep me updated on the status of my request. Thank you for your prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into an account and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. This account and inquiries appears to have been reported without proper authorization, and I am requesting validation. If it can not be fully verified with supporting documentation, it should be removed immediately. Please review this inaccuracy and provide written confirmation of your findings and any corrective actions taken.
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 reporting 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 findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE JXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number ( XXXX ) XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX  account # XXXX. XXXX. XXXX XXXX # XXXX. XXXX XXXX account # XXXX XXXX. DPT EDXXXX account number XXXX. XXXX DPT EDXXXX ( XXXX ) XXXX. DPT EDXXXX ( XXXX ). XXXX. DPT ED/XXXX XXXX ) XXXX. XXXX. XXXX. XXXX  ( XXXX
Product: Credit card or prepaid card

A credit card was opened in my name without my permission or approval. An annual fee ( {$75.00} ) and credit protection fee ( {$2.00} ) were charged to the account. Notices and a statement have been sent to me stating that I needed to send in documentation to verify my identity. I have not applied for this card or even heard of the company. Researching it, it seems this company is committing this fraud on other individuals. I recently changed my last name and the credit card was opened in my old name which is also evidence I did not apply for it. 

The company is called " Genesis FS Card Services '' offering the " Milestone MasterCard. ''
Product: Debt collection

Discover is aware of the Identity Theft involving a credit card account and refuse to provide me information about the account beyond a " balance ''. Discover refuses to provide any proof to myself or the credit bureaus to verify that the debt belongs to me. Discover is claiming a balance of {$1400.00} is owed, but I have never had an account of any kind with Discover.
Product: Credit card

I have ordered XXXX XXXX  XXXX from Bestbuy. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to Bestbuy. I mailed back the damaged package with tracking #. A day later XX/XX/XXXX was order was canceled by Bestbuy with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. 
The following week it was XXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. 
Until XX/XX/23 I have discovered on the credit card investigation package of tracking # XXXX that was sent to my address. I immediately reported to Bestbuy that I havent never received any notification or any type of communication. Bestbuy agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX, I was told only sender can request credit and from receiver. Bestbuy refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company.
Product: Credit reporting or other personal consumer reports

I've been involved with about XXXX data beaches including the Social security data breach and I'm being denied credit
Product: Debt collection

The credit company contacted my Team Lead at my job looking for me and they wanted information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account that reporting on my credit report as fraud and I never did business with this XXXX XXXX The name of this creditor is XXXX XXXX XXXX that has a outstanding balance of {$7900.00} under my name and the fraud agent refuse to block the information as I provided him a report number and told me I need to wait 30 days for a response.. this account XXXX XXXX  XXXX XXXX is fraud
Product: Student loan

I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.