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

On XX/XX/2019, I was arrested on a XXXX XXXX. During my XXXX my ex boyfriend withdrew {$1100.00} from my bank account. I was released on XX/XX/2019. the  following day I went to my local PNC bank and explained the situation. I was told to file a dispute and my money would be refunded due to him taking my money while i was incarcerated. I provided the proper paperwork to show proof and the bank even printed out a report on how the money was withdrawn while I was XXXX. I filed 3 disputes and as of yet the bank denies returning my funds. I even showed proof on how fraud charges and breaking and entering charges were filed with the local police. I was told I should not have a problem with the money being returned due to having enough proof. As of today, they denied me again and claim it was denied due to merchant history. PNc bank had me running around getting all necessary paperwork for NOTHING. If i gave them enough proof, why am I being denied what I had left in my account before I was XXXX. Video surveillance even shows him Taking the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I am in desperate need of this item to be REPAIRED or CORRECTED. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Number - XXXX XXXX XXXX. Subject claimed he is from CBE and needed to discuss a personal matter. Subject did not give anything specific but wanted to speak to " XXXXXXXX XXXX ''. Upon further investigation, CBE is a collection agency group and using above number to scam people by using personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED/XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX & XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX. XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a previous customer for 2 years, paid as agreed for credit repair services. I was not satisfied with the outcome after 2 years of services and end services with them. I posted a review on XXXX  in I would not recommend them because of their outcome of services after 2 years. They claimed to be part of the DOJ and contacted the DOJ in which they were not located. They contacted me on XX/XX/20 to remove my negative review of their services and threatened me with legal action if I don't. As a consumer I have the right to say I was not satified with services rendered. I was harrassed and threatened for not being satisfied.
Product: Debt collection

the company is Professional Finance Company Inc, tel. XXXX profess to be a debt collection agency and offer a settlement fee for hospital debt but actually have no working relationship with the hospital. They collect the payment and just keep it for themselves with no actual resolution of the debt for the payee. I've talked with both the hospital and PFC Inc and am left holding the {$500.00} debt and the initial {$1400.00} hospital cost. They sent an email receipt to me dated for a XXXX supposed debt not related to the present XXXX hospital bill. They are a scam company and I don't know how the had the correct figures for my initial bill and the remaining balance but something is seriously wrong here. The hospital is XXXX XXXX   XXXX XXXX in XXXX XXXX.
Product: Checking or savings account

I know I said they closed the account verily I said as sure at one bank to another found that there was money available in my card, and I did call XXXX Citibank, they said there is no reason to believe the card or account has been closed even if the Savings bank side is saying that, but I do tell you do you have a credit, and go back and tell yourself that we will pay you payback for all things lost or misplaced if you just call us at the Citigroup HQ hotline, and the Social Security Administration told me to call Citigroup or walk into the bank first and as it had happened to him this same thing, and he was robbed, and had his money turned back once he had doesn't mind as just pay as normal his bills, then turn to the theory of account managers of the Citigroup, and they said that they will payback any wrongful charges, and I cried until unto SSA and said they took everything even yours and moms XXXX  and he said go and tell the Citigroup, and I said even they most coercive me to give them a chance to sign up for cool relationships and they aided if I wanted a bride status or bribe roam east and then normal will you felt, but now I'd said, that if you just chat when that monthly fee arrives I suddenly will dispute and pay back that {$25.00} a month, and if you find anyone dispute worthy you tell me and immediately we'll pay it back, but they hadn't not for hotel XXXX XXXX of XXXX and all the fees they change the dates for and now you see i had supposed fees for the late fees of nothing actually, because all by now the cards have gone through if there is any excess charges when each corporate said they got the payments for the complete payment for each card as done to XXXX and XXXX and so on and I have written proof now they're all paid off, then we know if they cancel anything they're running a celebrity with themselves, and well see it in IRS, I AM FEDERAL EMERGENCY MANGEMENT NO ONE TAKES MORE THEIR ALLOTEMENT. I have taken photos of all receipts of cards now paid clearly off, and if there is so much as a question, about my life in Credit and Scoring let the winds march forth as in XXXX XXXX, for Frozen, must be your account heads, then says XXXX XXXX
Product: Student loan

I received a letter from XXXX XXXX XXXX saying my student loan was in default for {$9300.00} and immediately responded on XX/XX/XXXX by certified mail, return receipt, disputing that I hadn't payed the loan with the following letter : To whom it my concern : I dispute the validity of this debit, in whole, as it was paid off XX/XX/XXXX as demonstrated by the enclosed payment logs from Nelnets website, the provider/administrator of the loan. I have never received calls, e-mails, or mail or any communication regarding this loan not being paid. 

Please rectify your clients mistake immediately as I am XXXX, retired and on Social Security, which is threatening to take my benefits. 

Your immediate attention to this matter is greatly appreciated. 

I received no response, yet knowing they received the letter by the certified mail and return receipt On XX/XX/XXXX. 

The collection notices kept coming, so I turned the matter over to the MN State Attorney General Office. Working with the AG, at this time, there has been no response from Nelnet or XXXX XXXX XXXX. XXXX XXXX XXXX since has started taking my Social Security Benefits.
Product: Money transfer, virtual currency, or money service

Cash App is encouraging fraud. On XXXX  XXXX I paid XXXX XXXX for weed. The original amount was {$40.00} but due to Cash App fees I ended up having to pay {$41.00}. When it was time to deliver what I had paid for, XXXX XXXX stopped responding to my texts. I then requested a refund of which he declined. When that happened I then filed a complaint with Cash App. The App took me around in circles ( in writing ), refusing me to file a complaint. This is encouraging fraudulent behavior on the App. I would like the refund of the amount paid to XXXX XXXX as I did not receive the goods. Attached is the reference number : ref : XXXX : ref
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with First Progress Card, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and XXXX. 

First Progress has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX XXXX XXXX XX/XX/XXXX Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FCRA VIOLATION & IDENTITY THEFT To Whom It May Concern, This is a formal demand for the immediate removal of the unauthorized hard inquiries on my credit report. Upon reviewing my credit file, I discovered multiple fraudulent inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not applied for credit with these entities, and these inquiries were made without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ). Under 15 U.S.C. 1681c-2, I have the right to dispute and demand the immediate removal of fraudulent inquiries.

Additionally, under 15 U.S.C. 1681n & 1681o, any entity that willfully or negligently violates the FCRA is subject to damages, statutory fines, and legal action. If these inquiries are not removed within 48 hours, I will : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
XXXX. Pursue legal action for damages caused by these fraudulent inquiries. 
XXXX. Hold your agency liable for failure to comply with federal law. 

I demand written confirmation that these inquiries have been permanently removed from my credit file within 48 hours of receiving this letter. If you fail to comply, I will take immediate legal action. 

This letter serves as formal notice, and a record of this dispute will be retained as evidence. I expect an urgent response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called transunion to dispute charge off that is over 7 years old and should be removed, they are telling me they checked with XXXX  and they reported this XX/XX/XXXX, XXXX has no record of this and this is charge off from over 7 years ago, i told them again this is charge off and over 7 years ago and should be charged off and XXXX has no record of them checking and XXXX  does not have my records since it has been over 7 years ago, i have open dispute with transunion on this item, they still need to remove both items in dispute, over 7 years old
Product: Credit reporting or other personal consumer reports

I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

XXXX XXXX OPENED XXXX
Product: Checking or savings account

I found an old check for {$10.00}, I deposited the check via mobile device. Apparently I had entered the check for deposit, months earlier.I did go through my account, researched the {$10.00}. I never saw the {$10.00} in any historical statements. TD bank reversed the deposit, they never explained why it was reversed. I assume I possibly had done a mobile deposit for the {$10.00} at a date, not on my statement. TD bank charged me {$35.00} for depositing the check.THIS IS OUTRAGEOUS! I need my {$35.00} back in my account ASAP. Feel free to publish the complaint, without my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my account as of XX/XX/XXXX when this account has had my name removed back in XXXX.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

My account with XXXX as 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 in 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.

ATLCAPBKSELF 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

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MARINER FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MARINER FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX   XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit card or prepaid card

Pressured by my dentist while in the dentist chair to apply for and use Care Credit to be able to complete my dental service. Rates jumped up and its been about 6 years and Im still struggling to make the payments.