23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I would like to file a complaint against Chase Credit Card company because their customer service representatives gave me erroneous information on three separate occasions in XXXX and XX/XX/2024, causing a {$95.00} charge to nearly double and resulting in a detrimental impact on my credit score. 
I called Chase customer service on XX/XX/2024, to ask if a {$95.00} annual fee could be XXXX. I had not used any of the benefits or services that this fee supposedly provided as I had lost my job the previous XXXX and was still trying to get my finances back in order. 
I was assured in a recorded phone call that it wouldnt be a problem and that I should wait for the next billing statement to see the change. Each time I checked my account online it continued to show the charge plus accruing interest. I called again on XX/XX/2024, and was given the same information. By XX/XX/2024 the charge still hadnt come off of my statement so I called again and was told rest assured the credit would show up in the next billing statement. 
In May I received the first letter indicating that the account was overdue. On XX/XX/XXXX I called and spoke with XXXX ( XXXX ) and was informed for the first time that the {$95.00} could not be removed and that I had been given incorrect information by the first three Customer Service representatives in XXXX and XXXX. I wrote a dispute letter to Chase but never received anything in response. 
On XX/XX/XXXX I called Chase again and spoke with XXXX XXXX XXXX ) who eventually brought a Customer Service Supervisor named XXXX on the line. XXXX said she would go back and listen to the recordings of those XXXX and XXXX conversations, but I never heard from her again. 
On XX/XX/XXXX I requested the transcripts of the three original customer service interactions but I was denied. 
Chase has begun to ignore me since an XX/XX/XXXX secure message I sent, followed by a further attempt to reach them on XX/XX/XXXX. As a result of this dispute, my credit score has dropped XXXX points, and XXXX other credit card companies have reduced my available balance. 
In desperation, I paid off this {$160.00} balance before it does any further damage to my previously excellent credit, but I want to file this complaint about Chases customer service representatives. At best they are poorly trained or misinformed, and the fact that three different agents gave me the same erroneous information on three separate phone calls indicates a pattern of deceptive customer service practices. 

I am attaching a .pdf including my initial dispute letter mailed to Chase plus all of the correspondence exchanged via the secure messages tool on the web account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against through cash app block due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations e these actions have caused significant inconvenience and financial loss seek appropriate redress for these violations
Product: Prepaid card

On XX/XX/2023, I purchased a Vanilla Giftcard in the amount of {$500.00}. When I went to use the card, it turned out to be a fraudulent card. I reached out to Vanillagift.com and was instructed to send over pictures of the card to the following email : XXXX. 

It has been almost 4 months since I heard back from them and the case is still open, which is XXXX # XXXX I always check the gift card prior to purchasing, and outside of opening it in the store prior to paying, I wouldnt have known this was fraudulent. Also, the card has a hologram on it which the previous Gift cards do not have it. I often buy the Vanilla Gift cards and this is the first time Ive seen this hologram. Please see attached pictures of the following : A. Receipt and authorization note saying card is activated. 
B. Gift card as it was when I opened. 
C. Front of Gift card showing hologram. 
D. Gift card showing the barcode separately as it fell off. 

I highlighted the receipt authorization with the correct card number and also highlighted that same number from the card to show this transaction is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Product: Vehicle loan or lease

Took out a car loan with credit acceptance car loan and it was supposed to be low payments as my credit score was in mid XXXX. But I found out my payments were {$850.00} a month. Making it impossible to pay. 
They didn't provide paperwork. 
I lost work due to covid and unable to make {$850.00} payments. And this has now dropped my score below XXXX.
Product: Debt collection

I don't know where else to turn. There is some company named XXXX XXXX reporting on my credit file and I have no idea who this company is. I never took a loan out or singed and agreement with this company. I don't know what this is and never received anything from them.
Product: Bank account or service

Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit to obtain a mortgage for the past year. After pulling all three reports for XX/XX/2022 there were no collection items on my report after requesting that these items be removed from the collection agency after paying the collection bring the debt owed to 0. I made sure to check updated reports and there was no collection on XXXX transunion and XXXX. Under the fair credit law ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Today I attempted to get approved for a mortgage and the company pulled my credit and the XXXX  XXXX XXXX paid two years ago and XXXX XXXX XXXX paid two years was removed from all three but not the mortgage. As a result of this unfair reporting my credit score has been damage and unable to get a mortgage as a minority first time home owner.
Product: Mortgage

Back in XX/XX/XXXX I had an unexpected problem with my electric bill and got behind on my mortgage. We live on a fixed income. When I called Mr Cooper to see what I could do to correct the problem all the woman talked about was a modification. I had just gotten one in XX/XX/XXXX and was doing fine and knew I would not get another. I explained to her very clearly that I don't have a computer, printer or internet and would need papers mailed to me. All she said was I'd get them in a week to 10 days. Never saw any. Called and asked again. Same thing. No papers. Finally third time she says oh we can't mail forms just the tax form. Meanwhile months have gone by. Getting more behind and won't take any paynents. On my own I finally figure out how to download forms on my cell. Then find out how to fill them in on my cell. Took weeks because print is so small. At no time does this person tell me about refinancing or loan repayment plans only modification. After getting all paperwork in she wants a letter about taxes and then a letter saying not to use my husbands info. When I later asked her about this she denied it. Turned down because of not enough money. Now two years later and still can't get help.
Product: Credit reporting or other personal consumer reports

Several disputes were resolved too quickly to be verified as being correct without validation/ proof that I requested. Some of which I spoke with the companies myself and also sent in verification with my disputes and they still were not resolved.
Product: Credit reporting or other personal consumer reports

I contacted this company XXXX, XXXX XX/XX/year>2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Mortgage

Lakeview Loan Servicing is overcharging my mortgage escrow account by hundreds of dollars monthly. For the past few months, I have asked Lakeview Loan Servicing to do an escrow analysis of my mortgage payment and they continually ignore my requests. I have provided all the appropriate information and forms and they have not acknowledged receipt. 
They continually reply to my emails with a statement that says we will respond within 5 days and they do not respond, ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

BOA sent letter via email re a transaction came in today XX/XX/year> for a {$110.00} transaction as I did not authorize, I Informed this company 2 weeks ago as they forced it anyway, informed BOAs fraud dept and also informed them that I had trouble logging in, have no idea why ; as I also reported to BOA that I'm a party of identify theft. BOA reps are incompetent and majority of the time refuse to assist, give me the run around and or refuse to assist after today, XXXX hung up on me and the audacity to say keep it professional. He's rude upfront. Speaking XXXX and talking fast CLEARLY, wasn't an attempt to assist first of all, he wouldn't allow me to speak and continued to talk over me, just rude, but the audacity to bring up rudeness, he's totally out of line. He tried to blow me off and tell me to file a claim online, as he couldn't take the info over the phone, MY QUESTION : If a customer doesn't have access to online services or doesn't want to file online, BOA can refuse service and only require ONE OPTION online? IS THIS FAIR? He would blow me off by telling me he will send an email and answer the questions just to get me off the phone, I said before you go, I need you to WALK ME TROUGH THE PROCESS. He refused to do so, he didn't want to help me, I told him " Im NOT watching a video per email '' - to file a claim! Tell me what I need to do as refused to do so again and hung up on me. Its impossible to get assistance from CS and FRAUD Dept, they make it difficult and very time consuming & impossible to get someone over the phone to assist. XXXX said its BASIC ... first of all, I didnt ask for his opinion on the time constraint and or the process -- After having an act with this bank over 30 yrs, I'm treated like trash. I refuse to allow these ppl to refuse assistance. He tells me the process is basic as NO BANK but BOA require to watch a video and a long dragging process and refuse to walk me thru filing a claim for an unauthorized transaction and allow my act to be in a negative is nothing but a set up. as they are as much as fraud as this party that submitted the transaction. BOA continues to treat me unfairly- Their employees like XXXX in TX was a waste of time and my money, stressful -, he first answered the call by talking super fast as I didn't understand a word he said as I stated, I speak XXXX, he speaks " broken XXXX '' and unfortunately its the truth. Its not my fault I dont understand/comprehend broken XXXX. BOA expects customers to understand this man is disturbing and takes more time and pretty much no assistance and the run around. verifying my name, because he cant comprehend clear XXXX and aware of how to pronounce basic words as they expect me to understand this? XXXX ask me to spell my name and call me XXXX XXXX... So tired of the disrespect from this bank.
Product: Debt collection

This account is NOT MINE! I'm sick of these false amounts on my credit! I do not owe any such debt. This is a issue from the breach! I have contacted my attorney and they have sent a formal letter to this company. Please stop all reporting for this account. Not mine! I never owed this! Never had this account!
Product: Credit reporting or other personal consumer reports

If you look at complaint Id number XXXX, I filed a complaint on XX/XX/XXXX. The company that I was disputing the information on my credit report that I demanded to be removed ( Experian ) responded back on XX/XX/XXXX. On XX/XX/XXXX they said that their investigation resulted in all of the accounts to be verified on my credit report. 

According to 15 U.S. Code 1681i " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' IF YOU DO THE MATH THAT IS 48 DAYS AFTER THEY RESPONDED TO MY COMPLAINT. EVEN IF YOU WERE TO INCLUDE THE 15 EXTRA DAYS FOR AN EXTENSION IT IS STILL PAST THE THE TIME THEY NEEDED TO RESPOND TO MY COMPLAINT. BY LAW THEY MUST REMOVE THESE ACCOUNTS!
Product: Credit reporting or other personal consumer reports

On XXXX I received approval for a personal loan of {$20000.00} and they would take monthly payment from my checking account, but they did not do, for two months and my credit dropped more than 80 points, thus harming me I request that they should solve that problem
Product: Student loan

My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiries : XXXX XXXX from XX/XX/year>
Product: Debt collection

I received a letter with 2 collection agency names on it. " XXXX XXXX XXXX XXXX " and " CROWN ASSET MANAGEMENT , LLC '' showing a debt that I do not owe from " XXXX BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.
Product: Credit reporting or other personal consumer reports

To Amsher Collection Services, This letter serves as a formal dispute and demand for debt validation regarding the account you have reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide proper validation of any debt you are attempting to collect or report. 

DEMAND FOR PROOF OF DEBT OWNERSHIP You are a third-party debt collector with no permissible purpose to collect or report this debt unless you can prove legal ownership or an assignment contract from the original creditor ( XXXX ). To ensure compliance with federal law, I demand the following : 1. Proof of Debt Ownership Provide a legally binding debt assignment contract proving that you own or have the legal right to collect on this debt.

2. Original Signed Contract Provide a copy of the original contract bearing my signature, demonstrating that I agreed to this alleged debt and its transfer.

3. Itemized Statement of Charges Provide a full breakdown of how the alleged balance was calculated, including interest, fees, and payment history from the original creditor.

4. Proof of Securitization Status If this debt has been securitized or sold, you are attempting to collect on an unlawfully transferred debt that you do not legally own.

5. Permissible Purpose to Report Provide documentation proving that you have a legal right to report this debt under 15 U.S.C. 1681b. 

NOTICE OF FCRA & FDCPA VIOLATIONS If you fail to provide proper debt validation, you are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to provide verification or cease collection activity.

15 U.S.C. 1681b ( f ) Unlawful reporting of information without a valid permissible purpose.

15 U.S.C. 1692e ( 8 ) Illegal reporting of false credit information.
Product: Payday loan, title loan, or personal loan

I called XXXX to find out why my account balance all of sudden jumped up over XXXX dollars when I make my XXXX dollars payments every month. When you ask them they tell me that it is the daily interest that has made my loan go up. I am calling them liars because the daily interest has never ever made my account balance go up on any month. I know that XXXX is a smaller company of whells Financial and when I looked them up thru the XXXX they did the same thing and got caught with not legally keeping up with payments, and not keeping records. I have every payment I have made to them and this is not right, but will not give a acceptable answer. Their answer is false because this has never happen before and they are covering it up with this false statement. I have paid over twice the amount back. But now they are increasing my account balance and will not give me a answer that makes any sense. If you need any information I will provide it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you