23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On TUE, XX/XX/, upon several attempts to speak directly with a *live* LAKEVIEW LOANCARE Customer Service Rep at their Toll-Free XXXX XXXX XXXX XXXX XXXXXXXX to verify that our XX/XX/2023 MORTGAGE Payment was *processed/posted*, we received the following *auto-recording* " XXXX XXXX ARE CURRENTLY DOWN, AND AS A RESULT, OUR AGENTS DO NOT HAVE ACCESS TO YOUR LOAN INFORMATION. " ; however, on XX/XX/2023, we were able to locate a separate Toll-Free # ( XXXX ) XXXX ( as of yesterday, now *OUT-OF-SERVICE* ) enclosed in our LAKEVIEW LOANCARE Statement envelope but it was for a Loan Specialist. We called that # ( XXXX ) XXXX on XX/XX/2023, spoke with Loan XXXX, XXXX XXXX ; he said that XXXX  is a *separate Department* from the LAKEVIEW Dept. , and they have limited access to Customers Accts., and that the XXXX Dept. is experiencing Technical Difficulties with both their Customer Service Line and Website, and they have been advised to encourage XXXX  Customers to please try again tomorrow ( XX/XX/2023 ) as they are working to quickly resolve the issues ; lastly, the last Online Payment processed/posted for our XXXX Acct was on XX/XX/2023, and that our XX/XX/2023 Online Payment did *not* process/post, as of yet. We were able to schedule another Online Payment on XX/XX/2023 prior to speaking with XXXX XXXX ; however, as of today ( XX/XX/2023 ) neither Online Payments have processed/posted ; and we have attempted to call XXXX Customer Service Toll-Free XXXX ( XXXX ) XXXX everyday except on XXXXXXXX XXXX XXXX XXXXXXXX HOLIDAYS, nor on SUNDAY. We received a XXXX XX/XX/2023 LAKEVIEW XXXX XXXX EMAIL re : *Your One-Time Payment Draft In The Amount Of {$1900.00} Was Scheduled On XXXX ; but nothing since then ; we received the same NOREPLY EMAIL on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Attempted to transfer emergency funds to my child via XXXX and I was told PNC no longer allows these transfers. It's my money and I'll be leaving PNC. I've had enough of their nonsense.
Product: Vehicle loan or lease

On XX/XX/XXXX I cancelled a warranty on a XXXX Honda XXXX with XXXX mileage at Honda XXXX, after I realized that I have been screwed up by the finance guy, I have been told that a warranty was required on the car, in case anything happens to it or if requires to get fixed so I wont have to pay anything theyll be taking care of it. But everytime I brought my car to get things done, i have been denied and been told that it wasnt covered by the warranty. Until my cousin told me I didnt need a warranty on a car that looks like a brand new. I cancelled it on XX/XX/XXXX, the finance guy told me a refund will be send out to me but American Honda Finance XXXX never refund for the unused portion of your extended warranty 's policy. I dont have any month due, however American Honda finance sent me on debt Collection. On XX/XX/XXXX American Honda finance has taken extra money {$760.00} from my bank account, my monthly payment with the warranty fees used to be {$550.00} or {$550.00} dollars, even after I cancelled the warranty the remaining balance is still the same, my monthly balance remains the same. I have spoke to them several times I have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I make weekly payment to my bridgecrest auto loan, XXXX from my XXXX XXXX and XXXX from my XXXX  XXXX checking using bill pay. As you can see from the screens shots the payments alway are processed on the same day because they are set to arrive on the same day as an achievement. Bridgecrest is now attempting to charge additional interest by slow processing my payments this week. They have had other system issues where tgat lost my payment for a week and I belive they didn't deduct it from monthly balance due. I've included screen shots
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is playing game with my credit report. I sent in a certified letter, uploaded the letter from XXXX showing proof my car payment never been late. I got a letter from them They removed it Open/ Never late Report number # XXXX XXXX and they put it back on my credit report knowing it was removed off This is not fair or right at all. Reporting inaccurate information on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account being reported by collection agency XXXX XXXX. This account was reported as fraudulent from original creditor sprint years ago and removed from credit file is now being reported from a collection agency on my Experian credit file.
Product: Credit card

Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income
Product: Bank account or service

Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint.
Product: Credit card

Citibank has seemingly had a major breach in their security system. I received a fraud alert call about a new card ( that had never been activated ) about a charge made from another country. I received the new card 3 days ago, after receiving a notice from Citibank 2-3 weeks ago that they would send me a new card due to a possible data breach. If the new card, which I had never used and had not activated, was used fraudulently, then there has to a breach either at the Citicard level or a vendor that they use. I am very concerned about this level of a breach. My account was closed but in my mind the integrity of Citicard 's security system is in question.
Product: Credit reporting

My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on my account.
Product: Credit card or prepaid card

I made a purchase of {$410.00} on XX/XX/XXXX that was supposed to ship out and never did. I reached out to the company that I purchased this from on XX/XX/XXXX. I did not hear a response by XX/XX/XXXX, so I sent a follow-up email regarding my request. On XX/XX/XXXX, I finally received a response letting me know that I could cancel the order, minus a 10 % cancellation fee. When I found that out, I told them that I would like to keep the order, but did not hear back. 

On XX/XX/XXXX, I filed a chargeback in the full amount through PayPal Credit and through my PayPal account ( two separate disputes ). On XX/XX/XXXX, I finally got a response from the company I purchased the product from, stating that they would be happy to ship the product out that day if I canceled the dispute. I did not respond, as I wanted to continue the dispute. 

On XX/XX/XXXX, I received an email from the company I purchased the product from, stating that my order was refunded, with a chargeback and - {$410.00} listed on the receipt. 

On XX/XX/XXXX, I received a charge for {$410.00} on my account ( again ). On XX/XX/XXXX, I received a letter from PayPal Credit, notifying me that the dispute did not end in my favor, and that the charge was placed back on my account. 

On XX/XX/XXXX, I reached back out to PayPal Credit to dispute the purchase again, citing the new receipt that I was given stating that I was going to be given a refund by the company I purchased the product from. On XX/XX/XXXX, I checked the status of the dispute to see that it was closed again in the sellers favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I suppressed my information with LexisNexis from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both LexisNexis and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. 
I have also disputed negative information being reported on my credit report with XXXX, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through LexisNexis. Now I wonder how that could be possible when per LexisNexis all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by LexisNexis. I information should have always been suppressed/frozen with LexisNexis from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from LexisNexis unfortunately the suppression was compromise and it was being reported. Suppression numbers for LexisNexis XXXX & XXXX,XX/XX/XXXX & XX/XX/XXXX. LexisNexis per XXXX, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Product: Credit card

On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.
Product: Credit card or prepaid card

I wrote to the address shown on my latest TD credit card statement in the section 'Billing-Error Rights Summary '. The first letter dated XX/XX/XXXX was never acknowledged by the bank. When I called on/about XX/XX/XXXX they claimed non-receipt. I resent the same letter via Certified Return Receipt mail and the XXXX delivered it on XX/XX/XXXX. 

On XX/XX/XXXX I called TD Bank at the number indicated on the XXXX ' section, XXXX, and was told that there is no record of my letter. XXXX call center person at TD 'XXXX  ' told me that the letter should have been sent to South Carolina not Georgia XXXX I referred her to the above Billing-Error section which shows the Georgia address XXXX She said she can't contact that department. 

I eventually spoke to 'XXXX XXXX a TD Team Lead in XXXX XXXX. She is opening a new electronic dispute, referencing the letter, but it is not clear if my rights will be preserved as the " XXXX ' section clearly states that XXXXYou may call us, but if you do we are not required to investigate... and you may have to pay the amount in question '.

My complaint is that TD Bank Credit Card ServiceXXXX : - Did not acknowledge my first letter of XX/XX/XXXX - Did not acknowledge my resending the above via XXXX XXXX Return Receipt Mail, even though the XXXX returned the card and sent a message that the item was delivered - TD is not set-up to communicate between departments to the detriment of customers like myself. Nor did some of their staff know the dispute center was in Georgia. 
- I have to pay the disputed charge and wait for their response Any assistance on the above would be appreciated. 

Thank you. 




TD Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : Deleted for this Complaint I/N/O : Deleted for this compliant I had dinner at XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The receipt contains errors and I called the merchant XXXX times, once after the meal on XX/XX/XXXX, and XXXX today using XXXX XXXX option XXXX. Each time an automated message directed me to leave a message only to find that the mailbox was full and the phone system hung up. 

The incorrect charges are : XXXX XXXX XXXX XXXX {$7.00} ( We ordered XXXX XXXX which they did not have this available on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} ( We only had XXXX glass of wine ) XXXX XXXX {$3.00} ( This and the XXXX were ordered by an adjacent customer ) The disputed sub-amount is {$22.00} This changes the old sub-total from {$100.00} to {$85.00} At XXXX sales tax the new tax is {$7.00} That creates a new total of {$92.00} The tip was 20 % yielding {$18.00} The New Grand Total is {$110.00} The Old Grand Total was {$130.00} The total to be refunded is {$26.00} Kindly investigate and let me know of your findings. 

Sincerely, Deleted for this complaint
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ill XXXX Has been sending me notice balance {$910.00} .The collection has reported as a pass due balance. I dont know this company. I never did any business with this company.This company doesnt have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax misused my information and did not take proper steps to protect my information, along with millions of other people.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had ID theft in the past and an unknown fraudulent inquiry is being reported. This must be removed. 

XXXX XXXX inquiry is not authorized and fraud. 

Attached is FTC report, ID, SOCIAL to ensure this is handled properly. Thank you police report records are already on file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Equifax. Three times this year we have had to temporarily lift our credit freeze and all three times it was a breeze with XXXX  and XXXX XXXX. Never in the last 3 years have we managed to lift the freeze with Equifax without wasting several hours, sometimes stretching over several days, trying to use their various methods. We are a couple that share an email, and just this year were we able to determine that Equifax will not allow us to use their phone system or on line system to manage our account. They say we have to have a separate email from each of us in order to do that. They always say that does not matter, we can call them. No matter how many phone numbers we are given to reach them directly, we have to waste hours trying to use the prompts in their phone system, trying to reach a live person. Sending codes to my email, sending codes to my phone, nothing gets us into their system. They keep you on hold for 45 minutes, " accidentally '' disconnect you when you do reach someone, and are rude and using people whose first language is NOT English. If you ask for someone who does understand English, they won't transfer you. They keep insisting they can help you, while repeating everything you are saying to them, without answering your questions. Our banks and stores know this is going on, but say they are sorry, they have to pull the report from all 3 companies. How can this company continue to do this to the consumers, with the systems knowing about it.