23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reported fraud on my PNC bank Core Credit card account in the amount of {$60.00}. They canceled my card, credited my account back the same amount and issued a new credit card. However, they failed to report it to the credit reporting agencies. Now my credit reports is reflecting the canceled card as still open with a balance of {$1700.00}. I contacted PNC on XX/XX/XXXX and spoke with a customer service representative XXXX. I explained why I was calling regarding this and they are telling me I have to file a complaint with the credit reporting agencies. I also escalated this matter to a supervisor XXXX and she told me the same thing. It was sent to their escalations department and I was told it would take up to 48 hours to hear from them and may take another few weeks before they can issue a letter stating it was their error. I don't have the time to wait. 
I am trying to purchase a home and this is affecting my XXXX XXXX. I am a senior of soon to be XXXX and do not have the time to wait weeks and months to get a simple letter from them. 
Thank you for your attention to this matter, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America - " We were unsuccessful at recovering the funds on your behalf. '' " Neither XXXX nor the network financial institutions are responsible for resolving any payment or other disputes that you may have with any other user with whom you send money to or receive or request money from. " It is a negligence statement because only Bank of America can handle the funds of the recipient to whom I mistakenly transferred through XXXX. We trust Bank of America. The XXXX XXXX Police Department also suggested that only Bank of America can chargeback or transfer back money to my account for dispute transactions. 

I am just requesting to get my money back ( My kids are going to school now and need my support ). The recipient is taking advantage and holding my money without kindness or sympathy for children. I am not purchasing products through XXXX, I am supporting my children as a father working overseas. I admit that I was not informed about the change of my family member 's phone number. I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses. If you have the same situation like this with your beloved family, what will you do? 

I am just asking help from Bank of America as a mediator / arbitrator to retrieve my money back from this person. I am not requesting a refund from the Bank of America in the amount of {$1900.00}. 

I want to share an article about XXXX XXXX  helping the customer who sent a XXXX money transfer to a stranger. She got her money back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Response from Bank of America Case Number XXXX XXXX - XXXX XXXX Call on XX/XX/2023 XXXX XXXX  to XXXX, Texas Bank of America along with the Burmese translator said He will send the dispute for reconsideration as this is Non-Fraud XXXX transfer.
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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  Collection : XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX amount : {$610.00}
Product: Checking or savings account

I deposited a check into my bank account on XX/XX/18 for {$3600.00} which is from my auto insurance company for damages to my vehicle. Initially it showed it would be available the next day shortly there after, I got an email that it was on hold until XX/XX/18. I need to get my car fixed and it should not take this long to verify funds for a this type of check from an insurance company. I spoke to a customer service rep on XX/XX/XXXX which she didn't give a clear answer on why the hold. And even if so, they should at least give the option to cancel the deposit so I could take it to the bank it is drawn off of and have the check cashed by them.
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 has also allowed repeat offenders to exploit the system, leaving us vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I have sent letters attached with FTC Identity theft reports to XXXX  and XXXX  asking to block or remove items from my reports due to identity theft and the accounts remain as they say the accounts are accurate but in all actuality they arent.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

All the charge off on my account Ive disputed to be remove because I did a pay to delete. All was removed from all but Experian. Ive disputed several times and nothing is being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EQUIFAX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX  : XXXX. XXXX XXXX XXXX TX XXXX, XXXX  XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY EQUIFAX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE EQUIFAX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT EQUIFAX HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT EQUIFAX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY W2 TO PROVE WHO I AM. 
HELLO WHAT THE XXXX IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY W2 TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action.

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Debt collection

Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number XXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. this company add a different amount and different dates in XXXX report it was reported XX/XX/XXXX when previous report the company was going comply by deleting this account from my credit report XXXX. 
previous complaint XX/XX/XXXX complaint file # XXXX Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number # # # # # XXXX Original Amount Owed {$3300.00} Amount {$4000.00} XXXX XXXX
Product: Credit reporting

A California state tax lien was filed in error against me in XX/XX/XXXX and recorded in XXXX County for a total amount of {$2500.00}. The Ca FTB claimed I never filed taxes for tax years XX/XX/XXXX and XX/XX/XXXX and began sending notices to an adress I DID NOT LIVE AT NOR EVER LIVED AT so I had no way of knowing about the proposed lien nor was i given a fair opportunity to respond to and clear up the proposed lien by simply refiling my tax returns for those two years. I only learned of the liens ( XXXX In XXXX XXXX County, Ca and XXXX in XXXX County, Ca ) after personally checking my credit reports from all XXXX bureaus after being denied credit XX/XX/XXXX. I began contacting all XXXX credit bureaus shortly thereafter and after sending indisputable proof the liens were filed in error XXXX removed both tax liens, XXXX XXXX removed both tax liens ( After a long, drawn out brutal struggle ) and Equifax removed the XXXX XXXX County filed lien. I owed very minimal amounts for XX/XX/XXXX and XX/XX/XXXX ( Approx {$130.00} total which i sent money orders for both amounts on time during those tax years ). After refiling tax years XX/XX/XXXX & XX/XX/XXXX the Ca XXXX waived all penalties and interest and i was left to pay a very small recalculation for tax year XXXX of {$35.00} because i calculated wrong during my addition/subtraction of tax owed. The {$2500.00} was tax i owed for both years but i had sufficient monies withheld to cover both. I have submitted to Equifax by fax 1. Original FTB Notice of intent to file state tax lien which clearly shows the WRONG ADDRESS so i NEVER received ANY NOTICES. 2. An original copy of my XX/XX/XXXX XXXX which also clearly displays my correct XX/XX/XXXX home mailing address. 3. Original copies of my XXXX & XXXX Ca state income tax returns showing amounts owed. 4. A copy of my FTB payment history which shows i paid a total of {$35.00} for tax year XX/XX/XXXX and shows i did NOT owe anything for tax year XX/XX/XXXX. I have disputed this information at least 5-6 times and Equifax refuses to inform me how they conducted their investigation and states it is in fact a correct filing whereas the Ca state FTB even stated they were in error but since it was already filed its part of public record. This lien filed in error has prevented me from obtaining credit and is the only black mark on an otherwise perfect credit report. After much researching I have found Equifax has engaged in unfair and illegal practices regarding investigations into correcting consumer information.
Product: Credit card

American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Debt collection

I have previously request a validation of debt with this company for four accounts that are negatively reporting on my credit report. File number # XXXX, # XXXX, # XXXX, and # XXXX. I requested very specific validation which this company has failed to meet the request. They have also responded with a detailed billing statement that had a detailed list of procedures performed. Not only did this company fail to prove that I am the indeed party that owes this debt, They have also violated Hipaa with even having access to someone's medical history without a signed medical release form.
Product: Checking or savings account

Hello, I started messaging with this person via XXXX on XX/XX/XXXX as I was interested in some items she was selling via her website. She claimed to also work part-time at XXXX and has the website linked to XXXX account XXXX I was interested in XXXX items and she has a payment plan option which I signed up for, so I would make biweekly payments via XXXX XXXX to the number provided. Initially, I had paid off XXXX of the items while on the plan and then decided to add XXXX more. However, when those XXXX items were paid off, she claimed her assistant made a mistake and put the other items under XXXX order so they all had to be sent together. I was not happy but proceeded to make payments so I can be done with the purchases. On XX/XX/XXXX, I sent her the last payment of our agreement. And on XX/XX/XXXX, she puts a post on her XXXX saying her phone was lost to please not send payment, etc. We then began messaging through the XXXX and in the midst of our conversation I found out her lost was stolen and I mentioned to her I already had sent her the payment and while her situation is unfortunate, I did my part so I wanted my items. She kept saying I had a balance etc. and we went back forth. I decided to call XXXX pay and they mentioned to me that she can retrieve the money regardless of phone being stolen. She can sign in from any device and they will help her authenticate. I explained this to her but she kept saying the money was not there and I said you've dealt with XXXXXXXX XXXX before, you have to authenticate, the money is not going to appear in your bank. I even offer to have a three-way call numerous times with XXXX XXXX to help her receive the money but she kept making up excuses and giving me the cold shoulder. I even opened a claim with my bank to see if the last payment could be disputed but it was denied as it showed it was sent/received and I told her this. At this point, her last message to me was on XX/XX/XXXX via XXXX, she claimed then she still did not have a new phone still and has not responded to any of my messages since then. I've asked for my money back or items to be sent and nothing. This is her XXXX XXXX XXXX. I have been ignored for over a week. I believe she has blocked me as I have proof that she is still posted. I reported her account as scam on XXXX, reported it to FTC and state legal office. I also made a police report which is case number XXXX. My understanding after speaking with the police officer is that this person has been reported before, she or whoever they are need to be stopped and held accountable. 

The following are my reporting 's regarding this issue. My bank denied the refund of money because it was processed, I had no idea this was fraud/scam and I want to try to get my money back. We are talking about {$5600.00} that was sent to this individual and still nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCapital One XXXX XXXX XXXX  with my bank. 
I also submitted a compliant to the state attorney general via XXXX XXXX XXXX. I don't have a case number for this.
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 highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to i investigate my claims adequately they informed me that recovering lost funds was impossible. And that tracking these transactions was unfeasible. The CFPBs findings has proved that Zelle ihas not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX XXXX XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX  XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX in conjunction with XXXX, XXXX and TransUnion are violating my consumer rights and the FCRA Laws.

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.

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.