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

XXXX XXXX, customer has filed a dispute for an order placed on XX/XX/XXXX in the amount of {$860.00}. Using her Credit Karma XXXX card. Which includes a {$30.00} blouse, that I am not seeking damages for, as it arrived in perfect new condition. Regarding a XXXX XXXX order that arrived faulty, damaged, worn and visibly soiled, yet presented online as a brand new dress. The receipts and order info are presented in the pdf files below. I began to seek help via XXXX XXXX, however they eventually stopped all communication, leaving me with a faulty, dirty and torn garment and them keeping my money. 
A dispute was filed with Credit Karma, regarding the transaction. Credit Karma, has a dispute section on their app for fraudulent charges, which this complaint isn't and a section for faulty products received from merchants, as a recourse of action to help consumers. 
I filed the dispute and waited THREE MONTHS, for Credit Karma to fail to properly investigate the claim and even deny it, based on no error was made. Which is an automatic claim statement, that doesn't involve investigation. This purchase wasn't an error, however the merchandise received was faulty, dirty and tattered. Which should necessitate a refund. After requesting that Credit Karma reopen my claim and escalate it three times, they still continue to deny it, citing the same statement, " no error '' was made. Which makes no sense. The merchant, frauded me and sent me a worn, tattered and dirty garment. Then refused to refund me for it. Credit Karma has given me the scam like run around, even asking me to submit documentation with photos to validate my claim. I went above and beyond, putting all documentation, all screenshots of my conversations with the Merchant XXXX XXXXXXXX, as I tried to get help for the damaged dress that arrived. I submitted everything, which should plainly and easily convey that the merchant defrauded me. Credit Karma, continues to deny the dispute claim and refuses to refund my money. I intend to call them again, to question their decision making. Credit Karma has also failed to send me copies of their investigation, as I have a right to request them. I've requested them TWICE, and still they've sent me nothing to show how they made the decision to refuse and deny my dispute. Despite the evidence PLAINLY showing that I was sent faulty products misrepresented by the merchant. Credit Karma is ignoring customers and denying valid claims, and not even investigating things properly. They are pocketing my money, hard earned, at this time and refusing to refund me, and made me waiting 3 months for a poorly investigated automatic decision. Please help me.
Product: Debt collection

About three years ago, I lived on XXXX on XXXX when I moved out, I provided the proper notice to the office, and I return my keys on the last day that I moved out. However, the property charge me for an additional month even though I moved out, I have tried to dispute this over and over again, and it looks like they sold my debt to this new company called Genesiscredit management I do not owe this company any money and now this is affecting my credit score in my credit report. I need this removed off of my credit because I do not owe it and I have proof that I moved out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore equifax all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included these issues in my previous complaint & FTC report, and I am including it again here in the new FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00} XXXX : XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Mortgage

PNC Bank is our mortgage holder. They debited an extra almost {$400.00} from my account on XX/XX/XXXX. When I reached out to find our why, they said to contact our County Assessors office because our taxes increased by about {$4000.00} a year. They advised that my new tax evaluation for 2023 is over {$5000.00} a year. After confirming with our County that our taxes only increases by under {$100.00} for the year. ( {$1800.00} per year ) I contacted PNC to request immediate correction. I was advised that I would hear back from PNC escrow analysis team within 3 business days. 4 business days passed and I had not heard from anyone. I reached out via email requesting immediate resolution, I received a voice message that there was a miscommunication regarding the amount of time it would take for me to receive a call back. I sent another email requesting immediate resolution or I would be forced to file a formal complaint. I have not received answers, a timeline, or even an apology. PNC 's escrow analysis team made a huge error, and because of their error, we are short {$400.00} that was intended for other bills. PNC advised us that they sent us notice on XXXX regarding the increase, I advised that I did not receive notice. I understand that mistakes happen but I don't understand the lack of customer service, respect, and integrity to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of 2019. I would not need to get cable plus I live at XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, sequium assesses solutions and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to open a checking account and Bank said credit reporting agency, Equifax, had a hold on my credit report. I inquired with Equifax, after talking to them they said there was no problem. I tried to log on and got an error message. Tried XXXXXXXX same error. Called Equifax back, with error codes. Talked to supervisor ( XXXX, XXXX  # XXXX ) who stated I needed to send a letter in the mail with a cover letter, my drivers license and my social security card to verify my identity. I asked why? Was there an identity issue? He just kept repeating I need to send verification of my identity and there were no holds or freezes. No reason was ever given to me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 card or prepaid card

I am writing to dispute a charge of {$2800.00} to my credit card account on XX/XX/2022. The charge is in error because I do not remember this charge, but it is listed as a taxi. We were on vacation during this time and did take taxis but no taxi ride totaled more than {$25.00} during our vacation. At worst, this is a fraudulent charge. At best, this is a severe overcharge. 

I filed this a fraudulent charge but was told it was verified as valid. I asked how they determined this and they said they did nothing but verify charges before and after. XXXX, a said supervisor, told me that he was not going to investigate the charge anymore and did not care about me. I asked to speak to his manager and was told that I would get a call from them but that never happened. You need to revue my account and fire XXXX his customer service is not the kind of person you want on your team. XXXX told me that there was no effort to contact the vendor nor was there any verification done on Chases part. This is an extremely large charge made out of the country I was visiting XXXX and I was in XXXX, XXXX. No flag was done nor notification for verification was made to me. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Debt collection

I was seeking federal funding, and I checked credit report before. I noticed some activity I did not recognize that I believe to be a mistake ( error ) or fraudulent. I have a collection reported from a collector in XXXX, New York ( Collection Bureau of the HU ). This is an error, if not then it is fraud. This is causing me distress and discomfort. Remove these negative marks and send me an updated credit report please.
Product: Debt collection

Please find attached the cease and desist letter from XXXX regarding myself XXXX XXXX. I am illegally being billed for services, my provider XXXX has requested for XXXX XXXX to bill them directly and they still have not. Per this letter, XXXX XXXX is in violation of Act Knox Keene which states, they are prohibited from attempting to collect funds other than co payments and deductibles. The collection agency Credit Bureau association claimed that they had n't received the cease and desist letter from XXXX XXXX so I myself have E-mailed the collection agency and mailed them a letter and still have not received a response. There is also another letter to XXXX attached which states that XXXX has contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and requested that they bill the correct party yet, the collection agency still has not received any documentation from XXXX to cease. The next step is legal action as this has affected my credit report, I need this removed from my credit report
Product: Credit reporting, credit repair services, 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute regarding the reported incorrect balance yet again to all three bureaus. I provided documents directly from the lender again and the agent reviewing my information at Experian did not attach my documents sent in for the dispute, yet closed it without verifying the information attached. I am sure that all the bureaus are doing the same. I called and spoke with another but helpful representative at Experian who saw my dispute and stated that " she '' did not attach my supporting documents and did a manual request and attached the files to be reviewed. I have been disputing this information for over 12 months with all 3 bureaus and never have the attached documents from the lender been considered due to the scripted automated replies.
Product: Debt collection

XX/XX/2022, XX/XX/2022 XX/XX/2022 On the dates reflected above XXXX Capital are contacting family members that they are not authorized to contact. I'm not sure how they found their numbers but I would like them to stop or I will need to take legal actions. It's invasive and embarrassing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> GLBLNDSVCS Dear Sir/Madam, Re : Account Number XXXX I am writing to dispute the collection account referenced above. This debt was sold and charged off after a repossession, and I have not received a 1099-C form for the charge-off. I do not recognize or owe this debt, and the past due amount and credit limit reported contain inaccuracies.

Please provide verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). Specifically, I am requesting : Documentation proving I am legally obligated to pay this debt The name of the original creditor The amount of the debt If you can not provide proper verification, you are required to cease all collection activities. Failure to comply may result in legal action for violation of the FDCPA. 

I request that you respond to this dispute in writing within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 

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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified. 

Under 15 U.S. Code 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately. 

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX  XXXX XXXX Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all XXXX credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.
Product: Student loan

Trouble with company responding and also processing items correctly and in timely matter. Been waiting hours for return calls and weeks for response to email correspondence. Company is incorrectly charging account and or updating process of documents and actions. No notification or correspondence is being given. 

No bill was ever recevied. Online had no updated payment date. Now account shows 'past due payment ' and due date back dated incorrectly to wrong day. Account is still not updated and SAVE application not processed. 

Hung up on during conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted Experian and XXXX multiple times and requested they send the information they used to report this account as late, Experian and XXXX only sent me a statement that the account was verified. How could the account be verified when XXXX reports the account as 120 days late and Experian reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, XXXX and Experian are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

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

Good Morning Team Experian Credit Bureau Charging my account adding Inquiries in my file I never heard of I had talk to the Department to remove the wrong stuff what was added to remove old address Department told me nothing the Credit Department can do to get it off. I put in a fraud for vehicle i havent seen it called customer service for they added in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, My Name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no association with any other address that may be listed on my XXXX, Equifax or XXXX credit bureau.
Product: Bank account or service

I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at XXXX.
Product: Credit card

I applied to a credit card. I recognize US Bank allowed such credit cards for XXXX XXXX XXXX I feel that because I had a former previous XXXXXXXX XXXX XXXX  closed that US Bank wrongfully denied my application for a new credit card only because I utilized a XXXX XXXX XXXX in the past which likely had inquiries but had nothing to do with any poor credit report. 

Because my credit report was good and that US Bank only denied due to being concerned about numerous inquiries to the previous closure of a XXXX XXXX XXXX  and that I was not eligible to receive a XXXX XXXX XXXX  on my previous account upon closure due to no fault of the consumer as if the promotional period block was the only active item ( previous XXXX XXXX XXXX wrongfully lowered credit score as if to think I was a new credit card holder rather than a previous credit card holder as to be only blocked due to the promotional period ) - I feel that US Bank failed to provide a credit card as if to wrongfully blame the former XXXXXXXX XXXX XXXX  holder. 

I no longer need the XXXX XXXX XXXX  because I am utilizing XXXX now. I feel that US Bank wrongfully denied a XXXXXXXX XXXX XXXX and this is not the fault of the credit reporting agency but a fault of XXXX credit card application review per US Bank. US Bank can correct this as part of XXXX  Credit Cards in total, but I feel this is a concern for fraud against the XXXXXXXX XXXX XXXX  Application review wrongfully denying a XXXXXXXX XXXX XXXX