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

On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such.
Product: Consumer Loan

I fell behind one payment and was catching up on the missed payment and working with the company and they repossessed the vehicle
Product: Money transfer, virtual currency, or money service

I routinely make a small dollar money transfers to my husband ( about every two months ) to his XXXX XXXX XXXXXXXX account from my XXXXXXXX XXXX XXXX XXXX XXXX XXXX account using XXXX The money usually posts within a few minutes. However, my recent transfer stated delayed and a message that it may take up to three business days to post. I called Xoom about the delay and they stated they would send an email to me and to respond to it by sending a screen shot of my account showing the last four digits of my account, the XOOM amount debited from the account and a positive balance and that they would then manually credit the transfer. I was able to send them a screen shot showing all that was asked for. I later received a second email stating to send the info again. I re-sent the info again and even highlighted on the screen shot each item they specifically asked for in their email. I then received a third email stating, they actually needed the bank statement. It appears they are purposely giving me the runaround and delaying the credit but continuously asking for items, and when provided they ask for more items which makes no sense. The first and second request from XOOM clearly stated what they needed and did it state a bank statement. Also, they know very well that a customer bank statement will not have a recent transaction on it, unless the statement cycle has ended and the transaction is captured for the statement cycle. Its clear that they are purposely giving customers the runaround when there is a delay in crediting their funds. It is especially upsetting when I have provided exactly what they asked for and they keep sending emails pretending to not have received what I sent, and asking for it again and later asking for something totally different in a third correspondence knowing that it can not be provided just by the nature of how the banking process works with statement cycles. I am fed up. I dont like the tone in the third email as its clear they are playing games with the customer. My transaction is low risk as I have transferred to and from these accounts for years with Xoom and so what they are doing is ridiculous especially since I complied with their requests. If they request info, and the customer provides it and later they request more info not originally asked for but clearly only to continue delay the transfer, thats a problem and needs to be addressed. Especially since it appears to be a delay tactic. Initially my {$200.00} transfer was to credit on XX/XX/XXXX that has changed to XX/XX/XXXX. The original transfer was made on XX/XX/XXXX and normally it credits that same day or one business day later. I have provided exactly what they needed to get the funds transferred and avoid the delay. However, on in its face, it appears they are unreasonably delaying and giving customers the around.
Product: Credit card

I got a Credit card offer from Zales XXXX  years ago when I went to the store to buy my wedding rings. They sold me the Idea that I will get XXXX months promotion deal if I purchase XXXX dollars ( installments payment ). I made every single payment monthly and at the en of the period they found the way to state I didnt pay my promotional offer on time., and charged me {$2000.00} of interest. 

They said I had to pay the promotion before the credit card cut day. I called and spoke with XXXX people on the bank and they just said there is nothi they can do as per I called more than 3 day after XX/XX/XXXX. ( Day that my credit supposed to cut and I supposed to have XXXX day to pay ) they insisted that for promotion I dont have those XXXX  days and had to pay on the XXXX. Thing that do not happened to me before and I really have use this kind of promotions with other stores/banks. 

I think that this is a mala praxis and they are stealing money from the consumer as per they do not inform the consumers of the difference in the way they should pay Comenity Bank for this promotions. 

Nobody would take a CC promotional offer if will not be paid as a Credit card., and also if a consumer have a good history of credit and made the whole XXXX payments on time, how come they just get charged XXXX dollar if there is not a misunderstanding! 

Bank refused to do anything to solve this issue even after a complaint every were including XXXX 

Im not the only one who has been complaining about this issue and this bank should be investigated as per they do this and more things like this to the clients. 

I dont think I have to pay {$2000.00} just because they are not doing business correctly and they are abusing of the consumer
Product: Credit card or prepaid card

In XX/XX/2023, you contacted American Express to inquire about increasing your credit limit. After a lengthy conversation, you decided not to go through with the increase due to the complexity of the process. However, 14 days later, American Express sent you the necessary documents to increase your credit limit, which you did not submit. Despite this, American Express still processed the credit limit increase, which resulted in a change to your credit card number and a decrease in your credit limit. 

You are now concerned about several issues : -The new credit card number that you did not request, and whether any charges on this card belong to your old card. 

-The fact that your old card is now unusable, despite American Express stating that it would still work. 

- The unreasonably low credit limit by the fact I never use it. 

If any of this information is incorrect, please let me know and I will be happy to clarify.
Product: Credit reporting or other personal consumer reports

Updated CFPB Complaint Against Experian Subject : CFPB Complaint Update Experian FCRA Violations ( Failure to Verify Collection Agencies & Bankruptcy XXXX ) I am submitting a critical update to my existing CFPB complaint against Experian for continued Fair Credit Reporting Act ( FCRA ) violations.

New Violations Identified : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Experian continues reporting debts linked to unlicensed collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX XXXX  was not licensed in Illinois before XX/XX/year>, yet Experian still reported and verified its collection account. 
XXXX. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian continues to report inaccurate bankruptcy information, even though official XXXX and XXXX records prove the errors. 
These mistakes are negatively impacting my credit profile, leading to financial harm. 
XXXX. Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) I submitted a Method of Verification ( MOV ) request, but Experian failed to provide any documentation or proof. 

Requested Action : I am formally requesting the immediate deletion of the disputed accounts due to : Unverified collection accounts tied to unlicensed debt collectors Incorrect bankruptcy reporting despite XXXX  records proving inaccuracies Experians repeated refusal to provide a valid XXXX  response If Experian fails to act, I will pursue arbitration through XXXX per their consumer agreement. This submission serves as formal notice of intent to arbitrate if the issue is not resolved. 

Supporting Documents Attached : Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Bankruptcy XXXXXXXX XXXX XXXX XXXX  Reports Confirming Errors Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit card

On XX/XX/XXXX, while on the phone with customer service rep XXXX. from Citibank N.A., I was offered the ability to be included into a short term rewards program. After listening to the disclosures I agreed to be included. The program is set to last for 6 months, from XX/XX/XXXX until XX/XX/XXXX where I am to receive 3 % back on 'ALL PURCHASES '. After receiving several monthly statements since the rewards program inception, I soon noticed the 3 % rewards did not coincide with my spending. Therefore, on XX/XX/XXXX I called Citibank N.A. to inquire as to the reasons for the discrepancy. On that call, similar to the previous call, I was told by the rep that I would receive 3 % back on 'ALL PURCHASES '. I pushed her on the details and asked if that meant bill payments for utility, cell phone, etc and she countered with 'ALL PURCHASES ( where the card is present ) '. This means NOT ALL PURCHASES! These Citibank reps are totally misrepresenting the terms of this rewards program and are deceiving consumers like myself. As a result of being included into this rewards program, I have diverted my spending on a consumer credit card that pays 1.5 % back on 'ALL PURCHASES ' just to start using my Citibank card to receive 3 % back on NOT ALL PURCHASES. This has forced me to forgo hundreds of dollars in rewards for such purchases as hotel/car rentals as well as all XXXX purchases made XXXX XXXX. I respectfully request the phone calls from both dates listed above ( XX/XX/XXXX and XX/XX/XXXX ) be pulled to confirm the merits of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card

I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( pleae remove ths account before i seek litigation for defamation of character ). XXXXXXXX XXXX XXXXXXXX. {$200.00}, XXXX XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX. {$320.00}, XXXX XXXX XXXX. {$780.00}, Dept of Ed Bal. {$3800.00}, Dept of Ed Bal. {$2400.00}, Dept of Ed Bal. {$4800.00}, XXXX XXXX XXXX XXXX. {$5900.00}, XXXX XXXX XXXXXXXX. {$520.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I contacted XXXX, EQUIFAX XXXX XXXX asking them what their procedure is for obtaining bankruptcy information on consumer reports. I let them know that I was not disputing the information, but I wanted to know the process. I also reach out to XXXX requesting the same. XXXX responded with a notice of deletion and attempted to contact all three reporting agencies. XXXX replied to XXXX with a notice of deletion as well, however it has not been deleted of my XXXX consumer report. XXXX XXXX EQUIFAX have refused to respond to XXXX and have not deleted the bankruptcy off my consumer profile. I am aware that the reporting agencies have and are continuing to violate my privacy per " The Privacy Act of XXXX ''. I did not give any authorization to place my private information on my consumer profile. The court system and PACER do not supply reporting agencies with bankruptcy information as I have written confirmation from them stating this. XXXX is responsible for obtaining and distributing these types of records to XXXX, XXXX XXXX EQUIFAX. This is a complete violation of my consumer rights and I demand for this to be removed from my credit report as XXXX has deleted it from their records.
Product: Debt collection

Theres a collection account from XXXX XXXX XXXX In the amount of XXXX from XXXX XXXX. This debt was paid in XX/XX/2015by the deduction of state tax return.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit 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 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 XXXXXX/XX/XXXX
Product: Debt collection

For the last few months or more I have been receiving phone calls on my cellphone from Midland credit. I did not provide them my cell number and I am not sure how they got my number. They have been calling a few times a week and a few times a day.
Product: Credit reporting

Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me.
Product: Credit reporting

For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's
Product: Student loan

XXXX XXXX XXXX closed for committing fraud on peoples loans. They were overcharging and pocketing the money. I was lied to by admissions staff and I feel like I was taken advantage of.
Product: Debt collection

The medical collection debt from Lanier Collection Agency/XXXX has three separate amounts listed for {$120.00}, {$81.00}, and {$53.00}. I am unclear on where and when these said amounts were originated. I have maintained medical coverage for the past 10 plus years of my life through XXXX XXXX and XXXX XXXX. I am very interested in receiving an itemized bill/statement for my personal review to compare with my insurance statements/payments for the services rendered in question. I have reached out to Lanier Collection Agency to request validation of these amounts by submitting disputes to XXXX. The dispute was completed and I was notified that Lanier Collection Agency has issued validation for these amounts, however I ( the consumer ) did not receive anything. I have a professional background in XXXX XXXX XXXX XXXX and I am very aware that mistakes regarding amounts are commonly made, and I need to be sure that I am paying a debt that is first mine and secondly billed correctly after my insurance coverage has been applied.
Product: Credit card

My complaint # with TD Bank Credit Card is XXXX. I disputed a {$12.00} charge made on XXXX/XXXX/2024. XXXX XXXX in XXXX, New York provided spoiled food to me and other customers on that date. I file a written complaint with XXXX XXXX, and followed up with them by calling customer service at XXXX XXXX. XXXX XXXX never followed up with me. So, I disputed the charge with TD Bank Credit Card, and they refused my dispute and stated I needed to work with XXXX XXXX. I want TD Bank to credit me back the {$12.00} since XXXX XXXX has not responded to my complaints.
Product: Debt collection

The bank calls for payment during the 10 day grace period and everyday after. Some days they called more than once. 
They are literally harassing me at this point, and I don't even make the payments for the truck, just because it's in my name, doesn't mean I pay it! I spoke with XXXX 2 Thursdays In a row and explained who pays the truck and he asked me the same stuff both times. As if he didn't notated anything the first time on that Thursday! I'm tired of getting a phone call from them. The people who pay the truck will not let it go past 30 days because they will not let it hurt my credit! Please take care of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX my bank accept check that was written and XX/XX/XXXX for {$5000.00} which I did not authorize this transaction And this check is not valid and my bank still accepted after all this time
Product: Student loan

The list of things wrong with MOHELA is beyond extensive. Theyve given me incorrect information about my loan repayments on multiple occasions that have resulted me losing thousands of dollars. Collectively, Ive easily spent XXXX hours on hold with them since being transferred to their service. Once I spent XXXX hours on hold before someone answers and then immediately hung up on me. This company is not fit to operate in the XXXX, and everyone involved in running this operation deserves jail time.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased an A/C repair kit from XXXX  for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with XXXX XXXX to get this corrected since I did not buy XXXX of them. On XX/XX/year> XXXX XXXX  put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed my credit score and years of hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a billing error to Capital One Auto Finance for the past XXXX months and they continue to give me the run around. After executing my XXXX right laws ( creditor ) Capital One Auto Finance have violated every right I have been holding up. They have reported late payments to the credit agency which is against my consumer rights according to 15 U.S.Code 1681a ( 2 ) ( a ) ( 1 ) XXXX Capital One Auto Finance sent me a letter dated XX/XX/2023 stating they are accelerating my contract and that I now owe the total amount {$21000.00} stating I defaulted on a contract that is still being disputed according to the XXXX Codes. Which is another violation 15 U.S Code 1692 ( g ) ADVERSE ACTION against me the consumer. 

This is Unfair Billing under the Truth and Lending Act, since I know the full amount was already paid for, why is this company allowed to XXXX me of my rights. 

CFPB if this dispute is closed without further actions like the once before, you are at fault for not holding up the laws you have made oaths by.