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

Card was deactivated after 1 day of opening an account. Could not use funds I had put on my account because my card was deactivated and PNC bank refused to tell me why my card was deactivated. Couldnt withdraw any money from an atm either and they wouldnt give me any information as to why I couldnt get access to my funds. They have my money and I cant use it.
Product: Credit card

A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Product: Credit reporting or other personal consumer reports

I'm contacting you about the credit file you maintain under my name I recently contacted your company through the Consumer Financial Protection Bureau on XX/XX/XXXX, with a 605B deletion request to block information appearing on this credit report as the result of identity theft and fraud. Along with the request, I submitted an official sworn crime report filed with a law enforcement agency, a copy of the credit report generated by your company showing the items appearing as the result of identity theft, and all of the other information your company would have needed in order to process the 605B deletion request and block the information off of the credit file. However, as of today, you have not processed this block request within the 4-day statutory timeframe required by section 605B from the Fair Credit Reporting Act. At this time, I am requesting that you manually process this 605B deletion request on my behalf. Furthermore, I request an internal executive escalation complaint against this department, against the department 's management, and against the previous supervisors who handled my 605B block based on their refusal to process the block even after having been provided all of the items required by the FCRA which the supervisor would have needed in order to process this block on my behalf. Everything was removed but the XXXX XXXX XXXX on XX/XX/XXXXXXXX 


I am concerned that your company is erroneously processing my block request as a regular dispute when it is actually a request to block information on my credit report resulting from an ongoing identity theft incident which is required by law to be blocked from my credit file within 4 days. When I contacted the data furnisher who reported these items to this credit file, they stated that they do not maintain records of the sworn crime report that was sent to your company along with my initial 605B deletion request, so I am concerned that your company performed an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report. Can you please process this 605B deletion request manually and file an executive escalation complaint summarizing these issues against the previous supervisors and internal department who initially processed my block request? Can you please also provide me with an executive escalation complaint reference number that I can use in future calls to this department?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. XXXX XXXX XXXX, XXXX, XXXX 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 XXXX
Product: Credit card

Around XX/XX/XXXX of this year, I applied and was approved for a Caesars Rewards Visa credit card. My card never arrived. When I called initially, I was told Caesars Palace could print the card on-site. That was untrue, and Caesars Palace staff confirmed that when I arrived on-site. When I called to complain, the credit card company said they can expedite shipping so it would arrive in 1-2 days instead of the usual 7-10 days. That was also untrue. It's been well beyond the 10 days, and I still don't have the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted XXXX who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also
Product: Debt collection

This is and was a workman 's comp case from company XXXX XXXX XXXX and are know refusing to take care of it I told them several times
Product: Debt collection

I contacted XXXX XXXX XXXX about resolving a balance I owed to them. They informed me that they had sold my account to a company called LVNV Funding. I called LVNV Funding and they told me that a company named Resurgent Capital Services LP was handling this account. I called Resurgent Capital Services and was told that a company called XXXX XXXX was handling my account. I called XXXX XXXX and they offered me a settlement to pay this account and it will not be reported to my credit report. However, Resurgent has reported this to my credit report after this. I called them and they seem interested only in harming people 's credit profiles rather than the account being paid. 

This is an overly convoluted process when I had willingly been trying to settle this debt before ever being contacted by this company. This is very deceptive and confusing for consumers.
Product: Checking or savings account

Hello, My information has been stolen from me ( I'm talking debit card, personal info, passwords, my whole life has been hacked ). I saw a fraudulent charge for {$500.00} on XX/XX/21 to my personal XXXX account. When I logged into XXXX, the {$500.00} was then converted into BitCoin but it's not there in the account. I didn't authorize this. I know absolutely nothing about Crypto. The same day, {$1500.00} was moved from my savings account in online banking to my checking account then used to some app called Ramp regarding crypto. I did not authorize this! Again, I don't know anything about trading or investing or anything like that. I have personal financial advisors who do that for me. Then, because XXXX is based in XXXX, I have a {$45.00} dollar international fee that shouldn't be on my checking account either. 
I reached out to my bank ( Bank of America ) to file a claim on the charges. They said they denied my claim because I authorized it and my signature is somewhere on it. I didn't sign anything. They haven't provided me with any documentation that made them reach that conclusion. 
I have also reached out to XXXX and XXXX to file fraudulent claims as well and have heard nothing, Please help me! I have attached my bank statement with the aforementioned fraud charges highlighted. As you can see based on the rest of my bank statement, I do not make those types of charges!
Product: Credit card

Date : XX/XX/2023 Fraudulent credit inquiry was made at date mentioned above with Capital One. 

I called Capital One and they removed the credit card application.
Product: Checking or savings account

On XX/XX/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my right even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % Accurate on my credit report. 

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment. This ground for removal, They have violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 CFPB 's 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a 401k for years with Merrill Lynch through my employer. When I retired I rolled the balance into a Traditional IRA thru Merrill Edge which is tied to Bank of America. I chose an IRA that would mature in 3 months. It matured on XX/XX/XXXX. After the IRA had matured I wanted to roll the funds over to a different IRA with my Credit Union. There was a problem with my Credit Union and Merrill Edge with doing this transfer. My Credit Union asked me to have them send me a Check for the balance and then they would open the new IRA for me. I called Merrill Edge and they advised me that they would be able to send me a check for this balance. This was around XX/XX/XXXX. I received a check from them for the balance less {$49.00} from them dated XXXX. At no time was I advised that I would be charged a fee for requesting a check for the balance that I had with them. I called Merrill Edge and I spoke with XXXX. He said he understood my concern because I was never informed that there would be a fee involved and that he would escalate my complaint to his supervisor. He told me that they would be back in touch with me within 24-48 hours regarding this matter. Three day later I had still not received a call so I called them again. This time I was told the there is a fee for taking my money out and they were not going to refund that money to me regardless of the fact that they admitted that I was never informed of any fees for accessing my own money when the IRA had matured. I see this fee as being excessive and ridiculous as this is my hard earned money and they have been using it for years.
Product: Credit card or prepaid card

I have an account with Synchrony ( the company behind Amazon Credit ) I make purchases every month ( Revolving Charges ) and  also have two 6-months same as cash promotional purchases. I pay off the revolving purchases in full each month and pay 1/6 of the promotional charges until they are paid in full. When I receive the bill, I am unable to determine the total of the Revolving Charge and the Promotional Purchases. I have called every month since XXXX to have someone explain my bill to me. I still do not understand the bill. 1. The balance on the promotional charges does not match my figures. 2. The balance on the revolving monthly charges should be clearly stated each month so that I can pay it in full and it is not. The bill is confusing and I am frustrated trying to figure out how much I need to pay each month to avoid interest fees and am tired of calling them each month for an explanation before I can pay the bill. 

I originally sent this complaint XXXX and received an email from XXXX XXXX asking me to call her. I called her on three consecutive business days, XXXX XXXX, and XXXX. I listened to a recording indicating that she was in the office but could not take the call, please leave a message. As of today, I have not heard back from her.
Product: Debt collection

I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.
Product: Student loan

I currently have 3 private student loans serviced by Sallie Mae.Which means I am making 3 monthly payments ( {$250.00}, {$190.00}, and {$230.00} ) totally {$680.00}. It is completely insane that ( 1 ) I am making 3 monthly payments to the same company, ( 2 ) the total monthly payment greater than mortgage, and ( 3 ) the monthly payment amount tripled without prior notification. In an effort to better manage my finances and lower the total monthly payment amount, as well as number of monthly payment, I have contacted Sallie Mae several times requesting consolidation of my student loans. Each request I have made for student loan consolidation have been denied by Sallie Mae. It is truly a struggle for me to make the of {$680.00} payment to Sallie Mae. I know I am responsible for repayment of the loans and I am making valiant effort to repay them, so why is Sallie Mae not willing to work with me and consolidate my loans into one, lower monthly payment?
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # 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 XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX  FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.