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

On XX/XX/XXXX, a person going by the name of " XXXX XXXX '' sent me a check, asking me to deposit it into my account. He asked me to send a portion of the money to a XXXX account under the name of " XXXX XXXX ''. The phone number associated with the account is XXXX. 
He sent me XXXX checks in the amount of {$2400.00}, totaling {$4800.00}. 
The first check of {$2400.00} was cleared by PNC and deposited into my account via mobile deposit. I sent a total of {$400.00} to the XXXX account on XX/XX/XXXX, before the check had cleared. Once the check cleared on XX/XX/XXXX, he asked me to send {$1400.00} to the XXXX account, and I did. 
Later that day on XX/XX/XXXX, he told me to send another {$400.00} to the XXXX account and he would send me another check for {$2400.00}. I sent the {$400.00} to the XXXX account. 
On XX/XX/XXXX, he asks me to send another {$1800.00} to the XXXX account, and to keep the remaining {$600.00}. At this point, I had just received an email from PNC saying that the first {$2400.00} check had been returned to the issuer of the check, by the person who issued the check. 
On XX/XX/XXXX, I got the second email from PNC stating the second check for {$2400.00} was returned unpaid. 
I called PNC on XX/XX/XXXX and reported the incident as fraud. I also made a police report on XX/XX/XXXX. The first phone call I made to PNC, I included all of the information possible that I could so the agent could properly report my case. When I called back after I made the police report a few hours later, I was told by another agent that there were no notes of the incident in my account and I had to go through the whole process over again. 

I was told by several different customer service agents through PNC that it is not likely that my dispute will get approved. The person behind this act is clearly a scam XXXX and out to take advantage of innocent people. 
I was told by a branch XXXX that I would have until XX/XX/XXXX to file an appeal on the dispute if it gets denied. I called on XX/XX/XXXX to once again check the status of the dispute, and was told that no one had even been assigned to my case yet. The woman also informed me that there is no such thing as filing an appeal, it is just simply filing another dispute. Since XX/XX/XXXX, PNC has delivered extremely disappointing customer service, acknowledgement of the incident, and overall knowledge about what needed to be done as well as their own rules and regulations of steps of action in a scam/fraudulent situation. 
Since then, my account has been frozen due to my claim of fraudulent activity. I have also been charged twice for the return of the checks. 
I have pictures of the text messages from " XXXX XXXX '' asking me to send the money, pictures of the checks that PNC allowed to be deposited via mobile deposit, and pictures of the XXXX transactions that were made with " XXXX XXXX 's '' information on them. 
The total amount that I personally lost in this matter is currently a total of {$2200.00}. Which is the amount I am fighting to get back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a armed robbery on XX/XX/XXXX. It was the early morning between XXXX to XXXX. I was on my way after a night @ the casino with my friends. I was on XXXX XXXX when I got a flat tire. I just got my vehicle in XX/XX/XXXX & it's a XXXX. So to charge my phones I use a lighter charge adaptor. I opened my trunk so I could change my tire & no jack just a crowbar. So I sat in my car & went to charge my phones & the adapter broke. My phones died. The area I was stranded was industrial with minimal house around. My vehicle also didn't come with a working horn. I fell asleep & woke up because I heard the passenger door handle my doors were locked. There was tall regular built man trying to get in my car. He broke my window with a hammer. he grabbed my purse & I screamed & he ran. I looked to my left & there was another man in a car pulled right on the side of me & he jumped in that car. I couldn't do anything & I was stranded from XXXX to XXXX. I got help from a church who got my tire fixed. So I had a broken window & need new tires. My purse was a designer purse with matching wallet those 2 items {$450.00}. I won {$500.00} cash @ the casino & that was in there. All my financial information was in my purse. My checkbook, ATM cards, charge cards, my social security card, my license, a printout with my checking & saving account information. So once I got home & charged my phone I called my bank & has the accounts changed. However they has spent {$200.00} from my checking @ XXXXXXXX XXXX XXXX Needless to say these people maxed out my XXXXXXXX XXXX card,  my XXXX XXXX card, they applied to finance furniture thru XXXX XXXX & were approved for {$5000.00}. I contacted the department stores & they are working with me. XXXX canceled the loan & said I wasn't liable but I had to file a Consumer Report to the FTC & email the report & the police report to them. I found out they were applying for credit cards & charge cards because XXXX XXXX called me & asked if I applied for these cards. I said no because I fixed my credit so I could buy a house. I have 1 credit card I use to build my credit & that's all. The following is a list of all the companies they applied for credit & that are now on my credit report as a hard inquiry : 1. XXXXXXXX XXXX XXXX applied XX/XX/XXXX 2. XXXX XXXX XXXX applied XX/XX/XXXX 3. XXXX XXXX XXXX- XXXX Applied XX/XX/XXXX 4. XXXX XXXX - XXXX Applied XX/XX/XXXX 5. XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX Applied XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Applied XX/XX/XXXX 7. XXXX XXXX XXXXXXXX XXXX XXXX XXXX applied XX/XX/XXXX I also file a report with Identitytheft.gov. I am writing a dispute letter after this to the credit bureau advising them of everything I just told your company. 
Thank you
Product: Student loan

I am in repayment on federal student loans administered through FedLoan Servicing. I have been on the Income Based Repayment program, which requires annual re-certification. I apparently missed notice of the deadline to re-certify which I just discovered had been sent to my " paperless inbox '' in XXXX, at the same time I am typically informed that I may download data for taxes ( note : when a message is sent to " paperless inbox '', fedloan does not email you notice as to the contents of said message ). The deadline for IDR re-certification was apparently within 10 days of XXXX XXXX, XXXX. I submitted application to re-certify XXXX XXXX upon logging into my FedLoan account and discovering my monthly payment increased from {$520.00} to {$1800.00}. Today XXXX XXXX XXXX, XXXX ) I logged into my FedLoan account again and saw my principal rose from XXXX {$170000.00} to XXXX {$180000.00}. Essentially, I am penalized {$18000.00} for failing to submit an application upon dubious notice. Furthermore, as long as my application is pending, my monthly payments are now approximately {$1900.00} ( from {$520.00} while on IBR ). The only relief I have is a forbearance, which would result in even more interest being capitalized ( i.e. principal increasing further ). I graduated law school in XXXX XXXX with approximately {$170000.00} in debt. Since XXXX, I have made all of my payments as due, yet my principal was on XXXX XXXX, XXXX was {$170000.00} ( I have had XXXX previous forbearances due to my loan service providers twice failing to include my spouse 's debt in calculation of my IDR eligibility, which were later resolved, but resulted in interest capitalized ) and now on XXXX XXXX, XXXX, my principal is {$180000.00}. This is unduly burdensome and may result in financial hardship in the future, including but not limited to, increased payments and interest, increased life of repayment, increased tax consequences should balance be forgiven, and increased debt to income ratio, resulting in inability to obtain personal financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a payment of {$140.00} that never was credited. I have always paid timely and the account was frozen yet once I requested it to cease the frozen status, then what occurred was they immediately stated I owed a payment. 

Unfortunately, I never received the card and XXXX  charged me {$30.00} to send the card XXXX. 

Please help me as my score has plummeted over 40 points  erroneously. 

Thank you,
Product: Credit card or prepaid card

XX/XX/XXXX Submitted by email a dispute form to card issuer Blackhawk Network ( bhn ). 

XX/XX/XXXX Received Communication Update from bhn. 

XX/XX/XXXX Received and replied to email from bhn regarding more information. 

XX/XX/XXXX Requested by email status of case. 

XX/XX/XXXX Requested by email status of case again after no response. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Called bhn dispute dept XXXX since it is over 90 days with no response. Customer service said the case is still open and I should get an email response in the next few days. 

XX/XX/XXXX Called bhn dispute dept XXXX again since no email from bhn. Customer service said again that I should get an email response in hopefully 2 days, XX/XX/XXXX To date, no response from bhn.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX, has violated my rights. 

XXXX 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 or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a date opened of XX/XX/2020 for XXXX XXXX and a status update date of XX/XX/2020. If the account was opened XX/XX/2020 and the last status update XX/XX/2020 how can Experian report this account as past due if there is only XXXX month of reporting? Experian is reporting inaccurate information.
Product: Checking or savings account

I received a call on XXXX from a Bank of America associate, he did not indicate he was calling on a recorded line or provide an ID # or someway to verify he was in fact from the bank. He immediately threatened that failure to answer his questions will lead to immediate closure of my accounts. I assumed it was a scam as he did not properly identify himself and he called from a personal cell phone. My accounts have now been closed by the bank. 

I used to work for the bank and I know for a fact that you must always disclose some appropriate identification when you call a customer because failure to do so is deemed a risk to the bank and customer. How is Bank of America able to get away with treating customers this way? Its just unfair. 

I understand the bank can close an account at anytime, i get that. But my problem with all the scams going on, there was no way to identify he was calling from the bank. I have received calls from the back before and they always identify themselves properly for security reasons. This person did not.
Product: Credit reporting

On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB On XX/XX/XXXX I asked XXXX XXXX XXXX to provide proof of my responsibility of an account listed on my credit report. [ XXXX ] I then ( XX/XX/XXXX ) received a message from XXXX XXXX XXXX that they were a collection agency whom I have never done business with. [ XXXX ] The account is listed on my credit report as OPEN which is not only inaccurate but they have listed themselves as 2 separate entities on my credit report ( s ) appearing twice. Once as an OPEN account on XXXX and once again on XXXX/Equifax with inconsistent Payment Statuses. [ SEE ATTACHED ] On XX/XX/XXXX I informed each of the credit reporting agencies ( XXXX, Equifax & XXXX ) that they each are allowing an inaccurate listing on my credit report that is currently causing me ( and my family ) financial strife. They were all made aware that XXXX XXXX XXXX was reporting inaccurately each month and that they were verifying incorrectly. [ XXXX XXXX XXXX ] I was under the impression that everything listed on my credit report should be accurate, verifiable and timely. 
- XXXX XXXX XXXX ( or XXXX ) has no OPEN account with me yet they've listed themselves as OPEN on XXXX and Equifax - XXXX XXXX XXXX ( or XXXX ) has a DATE OPENED date as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax yet which theyve been informed of. 
- XXXX XXXX XXXX ( or XXXX ) is inconsistently reporting varying data points on several of my credit reports. 

As a remedy XXXX XXXX XXXX should be disallowed from listed ANY account information on my credit report as they are inconsistent in their reporting across several credit reporting agencies. 

Please remove XXXX XXXX XXXX from ALL of my credit reports.
Product: Debt collection

To who it may concern, I'm writing to formally submit a complaint against CAINE & WEINER who is collection agency. I noticed a derogatory flag on my credit report associated with them for the amount of {$5800.00}. Upon discovering this I immediately reached out to the original creditor XXXX company. I maintain a good credit score over 15 years and they have ruined it. I've never received any notification from either the original creditor or the collection agency neither via email or mail, when I brought up this issue to the collection agency they accused me of not updating my information which is not correct. I simply try to have this derogatory flag removed as soon as possible. I sent them an email on XX/XX/XXXX and they promptly called and confirmed there was a note on my account from last year and work on my case and resolved the issue. This issue stems from my divorce last year which impacted my ability to make payments. After receiving confirmation that I had been removed from the collection agency I contacted them to confirm the receipt of their respond. Unfortunately, the supervisor ( her name : XXXX XXXX XXXX XXXX XXXX  uncooperative and asked me to filled out the form through their website which I did. I haven't received any follow up email. The urgency of this matter is due to my ongoing process of obtaining pet XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I explained my situation thoroughly but they have not cooperated. despite, informing them that I may have to escalate this to CFPB they remain indifferent insisting they have their own process in place disregarding the original creditor 's confirmation. This experience has added significant stress to my personal life and I would greatly appreciate any assistance or guidance to help resolve this matter as quickly as possible. Thank you for attention to this matter.
Product: Checking or savings account

I mobile deposited a check on XX/XX/2023 for {$2100.00}. They put a hold on the check and did not deposit the funds to my account. Then Chase, without warning, closed my account. They sent me a check for the amount of funds in the account but not for the check I had deposited that they were holding. They have withdrawn the funds and they have cleared from the check issuer 's bank but they will not release them to me or back to the check issuer. Chase says they need to verify a phone number with the check issuer business. They said they can not verify a number but will not tell me how or what they need to verify the number. They are just holding the funds and will not release them to me or back to the check issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian wont update my score even ater payment
Product: Credit reporting

I submitted a dispute for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Experian. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the notarized letter I wrote to the court and the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
Product: Vehicle loan or lease

I refinanced my vehicle loan with Bank of America starting from XXXX. Bank of America opened a vehicle loan account for me with a payment due date XXXX in the amount of {$380.00}. 
The bank issued a check for the amount of {$17000.00} and sent it by mail to XXXX ( the bank I have a vehicle loan ). The check was stolen and cashed at a third bank. 
As a result, I am a victim of fraud and forced to make payments on loans both at XXXX and Bank of America. 
Bank of America 's representative called me XXXX and told me about the fraud. They informed me that according to the contract I have to pay the loan in Bank of America starting from the due date. They also informed me that the investigation had started and I had to wait, but they did not tell me how long and did not provide me with any other information. 
I filed a claim XXXX and requested Bank of America to stop my payments until the investigation was completed. I requested to resolve the issue as soon as possible, otherwise I would file claims with CFPB, Federal Reserve and Office of the Comptroller of the Currency. 
Bank of America has not connected to me since XXXX. 
I receive automated messages from Bank of America that I must provide them with a title for my vehicle and include Bank of America in the title as an owner.
Product: Vehicle loan or lease

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  **RE : Deficiency Notice for Incomplete or Inaccurate Reporting** XXXX XXXX To Whom It May Concern, I am writing to formally notify you of a deficiency in the information provided on my credit report. The report contains incomplete or inaccurate information that has not been addressed adequately, despite my previous requests for correction. 

" An account is listed as charged-off when it has been settled. '' I have previously submitted documentation to support my dispute, including However, the issue remains unresolved. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verifiable. I am requesting that you : XXXX. Conduct a thorough review of the disputed items. 
XXXX. Correct or remove any inaccurate or incomplete information. 
XXXX. Provide written confirmation of the corrections made to my report. 

Please address this deficiency promptly, as it is adversely affecting my credit profile. I expect a response and resolution within 30 days of your receipt of this notice, in accordance with the FCRA. 

Failure to correct the deficiencies may result in further action, including filing complaints with regulatory agencies or pursuing legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

Zions Debt Holdings has posted a collection action on my credit report with respect to an alleged debt owed in connection with an account I previously had with XXXX XXXX years ago ( Account Number XXXX ). That account was cancelled in XXXX ( in accordance with the terms of the agreement with XXXX ) and at the time of cancellation no amounts were owed. 

I supplied all of this information ( and more ) to Zions, including a copy of both the agreement I had with XXXX XXXX showing my right to cancel ) and a copy of the cancellation letter I sent to XXXX XXXX XXXX. I have also disputed this account with XXXX XXXX times already. However, in each case Zions continued to allege that the subject collection action was valid without suppling any supporting information whatsoever ; either to me or to XXXX. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XXXXI sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

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

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.