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

XX/XX/year>, at or around XXXX, I attempted to conduct some business in regards to the death of my father. The encounter and lack of compassion received from the manager and XXXX XXXX was upsetting and discriminatory at TD Bank, XXXX XXXX, Florida. XXXX was presented with an official death certificate that presented the necessary information to move the process forward. She refused to accept the funeral homes explanation for the handwritten information that the State of Florida is now using because of their system being hacked. The funeral home employee/office manager had to come to the bank to further address the matter. Prior to his arrival, and him speaking to XXXX XXXX making her aware that he would be in contact her and coming to the bank, the bank manager and XXXX XXXX then leaves making themselves unavailable. Both of them knew that XXXX XXXX was en route. XXXX XXXX and I ended up speaking to the assistant store manager, XXXX XXXX XXXX, who then accepted the death certificate and told us it would be sent up to underwriting for processing and should take 24 hours to complete. At no time was an apology expressed by the bank manager or XXXX XXXX. The overall behavior of the store manager and XXXX XXXX was insulting, disrespectful and racially offensive.
Product: Debt collection

I do not recall this debt, i do n't reside or go to drs or hospitals in las cruces, i would like to see original paper work that shows it was indeed me that made these charges and if it is then i want to pay for it. this collector keeps selling the note and keeps coming out on my report and i have no clue where its from.
Product: Credit card

IAcct. # : XXXX i have attached a rewards benefit from US Bank on above credit. As you can see if you spend more than {$35000.00} annually, I would get XXXX bonus miles. 
So I did spend more than $ XXXX in the year XXXX. 
On XX/XX/XXXX, I called the US Bank customer service and spoke with a rep. and also a supervisor inquired about when I will receive the XXXX bonus miles. 
They both have no clue what I am talking about and said they do not give out XXXX bonus miles. 
I paid {$450.00} for annual membership fee last XXXX which i dont mind because I would prefer to collect much miles I can to travel in the future using the miles. 

Also, I am supposed to receive two {$25.00} duty free coupons annually but never received any for last 3 years. Ive also attached the rewards benefit on this specific card.
Product: Debt collection

I have an agreement in place with Portfolio Recovery Associates ( PRA ) to payoff my XXXX credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from PRA to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. PRA disclosed the debt to credit bureaus, according to PRA, to " report payments ''. Due this action, my credit score took a dive of XXXX points. PRA is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. PRA, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.
Product: Credit reporting

I tried getting a home loan and was denied due to wrong information on my credit report. It states I was 90 days late on my XXXX XXXX credit card which is incorrect. I contacted XXXX XXXX and I have never even been 30 days late on my payments.
Product: Credit card

I notified Capital One of fraudulent charges on XX/XX/XXXX. The charges were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made it clear to the agent when I filed the claim that I caught these charges so late because my father had passed in XXXX of XXXX and I had been managing opening XXXX businesses, a property, and the estate. I caught these charges when compiling a year end accounting for the estate. After being escalated to supervisors they made it clear to me that no investigation was actually made into the fraudulent charges and that they closed the investigation before beginning it because of the timeframe of the claim. They have fine print which states you have a certain timeframe to make claims on fraudulent charges -- the original agent I spoke to when making the claim said that it was good I called when I did because I was just inside that window -- though now they are saying that it was not. This is a disingenuous business practice at best and fraudulent advertising at worst. They claim to protect consumers against fraud and yet they allowed ~ {$3000.00} of charges to questionable XXXX websites occur in the span of 6 days that clearly do not line up with my purchase history. They are holding me responsible for the fraud, which they admit they haven't even investigated the merchants, simply because I failed to call within an arbitrary timeframe. They DO NOT provide fraud protection, it is still the consumers responsibility to catch and notify them of fraud AND to do so in an arbitrary timeframe. These charges ARE fraud and it's very clear to anyone with intelligence simply by looking at the merchant names and the correlation in quantities charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, XXXX XXXX TRANSUNION. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX XXXX TRANSUNION have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card

Earlier this year, I received a paper mail from Citi informing me that my Citi ThankYou Preferred credit card would be automatically converted to a Citi XXXX XXXX  Card on XX/XX/year>, unless I opted out by calling ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) before XX/XX/year>. I took action by making XXXX callsone on XX/XX/year>, and another on XX/XX/XXXX, XXXX request that my card not be converted. Both agents confirmed that my preference was recorded, and after my XX/XX/XXXX call, I even received an email confirming that an update was made to my account. Despite this, when I logged into my online banking account on XX/XX/year>, I was shocked to find that my Citi ThankYou Preferred card had been replaced by a Citi Double Cash Card without my consent. When I contacted Citi to investigate, the agent claimed the conversion was due to a rebranding effort and assured me that both cards had the same benefits, which is false. The Citi XXXX Preferred card and Citi XXXX XXXX XXXX are completely different products with distinct terms and benefits. I am extremely frustrated because I followed all the instructions provided by Citi to opt out, yet Citi proceeded with the conversion anyway. Furthermore, this unexpected conversion disqualifies me from receiving any welcome bonus for the Citi XXXX XXXX XXXX for the next XXXX  months, per Citis own terms.
Product: Credit card

My name is XXXX XXXX I am contacting yall for a update I never received a update on my fraudulent account dispute I reported as fraudulent I never opened with a dispute for a purchases I never made the agent told me she will reopen it but I never hear back about it I want to get a update on it or reopen it or redispute it or make a new dispute or reinvestigated it or make a new investigation for it my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PENNSYLVANIA XXXX and social security number is XXXX and I also need yall to update my mailing address and billing address to XXXX XXXX XXXX XXXX Pennsylvania XXXX so I can receive all yall updates there pleases.
Product: Debt collection

I received a letter from a law firm, XXXX XXXX XXXX, XXXX, stating that a public record shows that Crown Assest Management, LLC is suing me for debt collection. I do not know anything about this company. I believe this is fraud and identity theft by Crown Asset Management , LLC because they are suing me without any notice and validation of debt.
Product: Checking or savings account

By far, Citizens is the most grossly incompetent bank I have ever dealt with. The repeated misinformation I was given by their employees will end up causing me to forfeit a bonus I should have received with a different bank. I CLOSED this account on the phone with customer service with a XXXX balance in XXXX. I was very clear that I did not, under any circumstances, want a direct deposit ( or any other activity ) to take place after closure. I was assured by the customer service rep on the phone, and by her manager whom she connected with, that a " block '' had been placed on my account so nothing would go through. I called back on XX/XX/XXXX, and was again assured that normally Social Security deposits that come through on closed accounts are returned. Today, I found my errant Social Security deposit was indeed back in Citizens with the account reopened. I called, and for once did not encounter their usual 10- or 15-minute wait on hold, but was instead repeatedly disconnected. When I finally was transferred to a supervisor, she told me the first information was erroneous -- that, after again XXXX out my account, I would have to call to request a manager send a notice to a branch to finalize closing the account. Upon calling back to speak to a manager about following the procedure that had been described to me, I was told for a THIRD time that there was yet a different procedure. Now I'm told that I must personally send a letter to the branch office asking to close the account permanently -- they will not send the notice for me. Granted partial responsibility goes to Social Security for their failure to update my information ( despite repeated contact with them ). But all I needed to not suffer a financial loss was for Citizens Bank 's employees to actually know how their bank operates, and give me correct information so the deposit could be rejected and redirected to the correct bank. It is ridiculous that no two employees can provide the same information. At this point, I have no idea if the latest information is even correct -- why should I trust it to be accurate now, when apparently it hasn't ever been before? Let me add that the above is not the ONLY issue I encountered in my brief 3-month involvement. Other failures of communication, and misinformation, led to a domino effect that has proven ridiculously costly, both in time, money, and aggravation. My advice to potential customers : avoid this institution like the plague it has been for me.
Product: Credit reporting

There are XXXX items on my report that I have disputed now for about a year and all the bureaus has said is they have investigated and it remains. If they did they would have seen what I am disputing. XXXX company, XXXX, keeps reporting the original amount I owed on both accounts, instead of doing a reducing balance method. I have my receipts and I spoke to them about it too. The woman there told me she would not change the balance until I was done paying it all. I am paying XXXX the same deal and they reduce my balance every month that I pay. I have disputed it twice before and lately again. No response. 

The other thing is from credit XXXX cc company. They sold the bal to a collection XXXX. They are both reporting this on my credit report. I have spoken to both of them and no response. Now I have disputed it with transunion and XXXX has gone ahead to report it as brand new in XXXX. Both are still on my report. 

I would like to have those items either reported correctly or removed and not to started over as XXXX is now doing. 
Thanks.
Product: Prepaid card

I try to use my Amex gift card to buy necessities but card always gets declined when I have enough funds in the gift card. I was only able to buy XXXX purchase but after that card keeps getting declined every place I go.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit Moneyloin is also his and address and numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report with XXXX equifax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get Experian to update my address since 2020, XXXX has inaccurate information on my report since 2020, XXXX has inaccurate information on my credit report since 2020. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the third year. This is insane.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I are attempting to purchase a new car. Both of our credit scores are deemed " Excellent '' and are typically XXXX with all three credit agencies. The car company tried to retrieve our credit information from all three agencies, but was unable to retrieve from Equifax. 

I then attempted to unfreeze my Equifax account via the Lock & Alert app. I received an Error 101 message and instructed to call their support number at XXXX 

I called and gave all of the information requested to verify my identity. She put me on hold for 15+ minutes, when a gentleman finally answered and requested all of the same information. He said he would need pictures of my state driver 's license number as well as my Social Security Card in addition to all of the information. 

I refused as this seems quite suspicious of fraudulent activity. 

I asked for a supervisor and he denied me. He stated he was the top of the line and there was no one else above him. I asked for his name and he refused. I asked for his location and he refused. He then hung up on me without unlocking my credit freeze. 

I would like to file a formal complaint against Equifax, legally if necessary. 

Please advise. 

Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to look into getting an error on my credit report removed. They did an invistigation for only 6 days and instead of fixing the error they made it worse and lower my score even more. I am very unhappy with the results, not to even mention the customer service was awful. Trying to get them to reinvestigate was like pulling teeth. I will never recommend using Experian to do anything, that was a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified letter with return receipt requesting proof of debt to resurgent capital services working on behalf of LVNV Funding LLC. In that letter it requests original contract that I signed. The company responded with just the debt amount supposedly owed ( {$1100.00} ). I sent a second letter XX/XX/2019 demanding them to remove this off my credit report according to the FTC law.
Product: Debt collection

I have attempted, on 13 occassions to contact Possible Finance to resolve their collection account that's being reported to my credit report. This is not my debt, but I can not let a {$43.00} amount ruin my credit. They do not answer calls, their voicemail states you can ONLY communicate via email, and they have not responded to my emails for 4 months. This debt is not mine, I have tried resolving with the creditor- and they WILL NOT RESPOND. I NEED HELP! This is effecting my ability to use credit.
Product: Credit reporting or other personal consumer reports

I was XXXX  for XXXX  years and this company says I had a credit card. This is false information. I have shown them my prison release papers as well. They still pursue me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Far CredIt Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX Bank, 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 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: Money transfer, virtual currency, or money service

I was attempting to make a purchase for a pair of concert tickets totaling {$340.00} dollars on XX/XX/2018 via XXXX. The seller then says he can transfer the tickets from his XXXX account to mine and I can pay him with XXXX/online banking. I explained to him I never used it and when the seller mentioned it was a service through my own bank, I felt comfortable sending the money thinking my bank would help me out in case something goes wrong. I completed the transaction and sent the money out. Once that was done the seller texts me telling me that they will send the tickets ASAP but nothing was ever received. I tried calling, text messaging over and over but no reply, no answer. I immediately called my bank ( USAA ) in attempt to dispute it and report fraud/scam but they couldn't help me. They said they would look into it and get back to me in 5 business days or so. Based on my research, I looked up this seller and found out that these guys have been doing it all around my neighboring cities. Same post, same description with all the same information scamming all kinds of folks. It wasn't until I researched this seller up the next day to find out other people have already been scammed by this same seller. I an addition to that, never knew that there is no protection by USAA or XXXX on this type of transaction and I find that completely unfair. They fail to disclose that this service is only to be used among family. I really need your help to recover my money as this is FRAUD all across the board and feel like I have no support. Hope I get help in this matter and recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report there were errors, I disputed the errors I received an email that the investigation was finished, but Equifax will not let me log in to access the results. The information I am giving them is correct and is the same information I used to get my credit report. I need to access my report and dispute results.