23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Debt collection

I have had this problem numerous times, and it seems that the debt is mostly originating from XXXX or XXXX or other wifi/ cable/ telephone companies, but different debt collection companies are showing up on my credit report. I am not getting any mail regarding owing debt, it just shows up on my credit report. In XX/XX/year>, I disputed XXXX XXXX XXXX XXXX  debt collection which stated that it originated from XXXX XXXX through XXXX because it showed up on my credit report as delinquent. This was removed from my account. I have never had an account with charter Communications and don't even know what that is. 

In XX/XX/year>, I disputed XXXX XXXX XXXX ' debt collection which was on my XXXX credit report and stated that it originated from XXXX. This was removed from my account. In XX/XX/year>, I disputed XXXX XXXX XXXX 's debt collection through XXXX which stated that it originated from XXXX. This was removed from my account. 

In XX/XX/year> I filed another dispute with XXXX but on my XXXX web account it won't let me see the results. I am not sure I ever got these results. 

In XX/XX/year>, I filed a dispute with XXXX because there was a address on my account that was never mind, I believe in XXXX. I can't see the address now that it was removed, but it was removed. 

In XX/XX/year>, I filed a dispute with XXXX for Amsher Collection Services, which stated that it originated from XXXX. This was deleted from my credit report with XXXX. Now in XX/XX/year>, Amsher Collection Services ( originated from XXXX  ) is on my credit reports again for XXXX and XXXX. I tried to dispute this through XXXX in early XXXX, but they stated that they verified this information with Amsher and that it was true. I called Amsher, and they said that because XXXX deleted it and XXXX and XXXX had different amounts that I owed, I could pay Amsher approximately {$400.00} to get this deleted from all of my credit reports for good. I didn't do this because I wasn't sure if it was fraud or not, so I called XXXX again on XX/XX/year> and they reopened my dispute for Amsher and told me to file an identity theft report. I tried to file an identity theft report through ftc.gov, but the website directed me to this website. I also have a debt collection agency, XXXX XXXX XXXX, on my credit report for XXXX stating I owe money originally through XXXX. I also filed a dispute through XXXX for this. 

I can't currently see my XXXX credit report online, they are working on my online account, they say that there is an error. 

I just filed my dispute through XXXX for Amsher on XX/XX/year> and I don't know the result of this at this time. I also filed a dispute for XXXX XXXX XXXX with XXXX ( originating from XXXX  ), as this is on my XXXX report as well. I only have these debts because I keep opening my credit freeze to try to refinance my mortgage. Please advise and help me.
Product: Student loan

In XXXX I went to college took out students loans has some difficulty sometime paying them I was a divorced at that time I finished college since XXXX I have paid my loan on and according to jobs and job loses. Now here we are in XXXX. 

I borrowed XXXX XXXX paid back XXXX XXXX towards the loan paid back XXXX XXXX in interest and still owe XXXX XXXX plus more interest They started to garnish my pay take my taxes and that is when I tried to do bankruptcy I am now pulling out of bankruptcy because they can not discharge a student loan. 

It is very unfair for a loan to to charge me over XXXX XXXX for a XXXX XXXX loan How can I go about getting involved in a class action suit against them taking advantage of me. They are nothing but predators, putting me deeper and deeper in debt when in reality, My loan has been paid off almost 2 times plus. I need some help
Product: Credit card

American Express Blue Preferred Cash back Credit Card promised me a {$200.00} bonus if I spent {$1000.00} on their card. They will not give me my bonus. I have complained, and their response is that I had a card previously and that disqualifies me for a bonus. That point was not in the terms of the card agreement that I read online. They mailed me a card agreement for a different offer and tried to pass it off as my credit card offer. They stated that they are reviewing my case, but no one will contact me. I made the requisite charges, I should get the bonus. They easily could have told me I would not get the bonus when I applied for the card.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries of my credit file from XXXX, XXXX, Trans Union immediately. 
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: Credit card

I availed a 0 % APR CREDIT CARD, The promotion was eligible till XX/XX/XXXX and my payment due for every month is XXXX, Hence I paid minimum amount till ( XXXX Which is the due date for XX/XX/XXXX statement ) as agreed to XXXX XXXX XXXX In next statement ( I noticed a fee of {$85.00} on XX/XX/XXXX statement since I have not paid full payment which is not legitimate and somehow I missed to Check the complete statement. And I see another fee of {$48.00} charge in XX/XX/XXXX statements though I paid full amount, When I contacted customer service first time the person said we are submitting this charges for review and I will get refund since I paid all payments on time, two days passed and I got declined email, Then I contacted back to customer service and the lady was rude and she is not listening to my concern or request she keeps saying that I didnt paid the balance hence they have charged me the interest and the amount they have mentioned is completely irrelevant. Hence I am tiered of this banking scam and wanted to appeal for the justice on this amount. This is not a huge money but this the money I earned with lot of struggles and stress. Thank you!
Product: Checking or savings account

I hope all is well. I XXXX  myself {$30.00} and {$14.00} from my USAA bank account to my XXXX XXXX  account and it didnt go through it shows reversed on XXXX  end. The {$30.00} and {$14.00} was not put back in my USAA account. I need my {$30.00} and {$14.00}. I contacted XXXX and they told me to contact my bank. XXXX XXXX  stated the {$30.00} and {$14.00} XXXX was never deposit it to my account. Which this caused my account to go negatively with XXXX XXXX  because the XXXX not going through. Please resolve this and get the funds back in to my account because now Im missing money. Thank you for your time. Have a wonderful day!
Product: Credit reporting or other personal consumer reports

XX/XX/year> I Disputed The JPMCB account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> JPMCB - XX/XX/year> JPMCB Account was removed from all credit reports. 

XX/XX/year> JPMCB account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with JPMCB stated that the charge off account is not mine never received response.
Product: Credit reporting or other personal consumer reports

I have tried to fix this problem but the credit card company doesn't want to fix the problem. 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 All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer agcy. can't put thing 's on credit that is 15 USC 1692C 604A.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and o financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/XXXX we were processing of Refinance of my house. The Loan Office request me to pay the fee for the Appraisal for {$500.00} and the HOA form for {$200.00}. I did talked with her that the Loan is not approved yet, I only want to pay the fee for both after the Loan is approved. But she keep asking me to pay the fee instead they do know that they don't need to collect that fee until the loan is approved. Finally, they charge me {$500.00} for the Appraisal and {$200.00} for the Form of HOA. After they denied my loan, I called and ask to refund the fee for Appraisal and the fee for HOA form. They promised to refund but up to now I didn't receive any things from them. 

I'd like to ask The CFPB to protect us for PNC treating unfairly to us. Thanks for you concern. 

Best Regard, XXXX XXXX XXXX. I attach here the two documents in which the first one is the HOA form, they order. 
The second document is the Letter of PNC to order the Appraisal for your review
Product: Mortgage

This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have  attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unl
ess the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

Recently ( XX/XX/XXXX ) I had received via mail a document that outlined that my escrow payments have increased this year. Upon closer inspection it was noticed that my PMI contribution has been increased from {$510.00} to {$1000.00}. There had been no late payments this past year and we are uncertain why the sudden increase. Seeing how Mortgage insurance isnt something I can get a lower rate for, I feel as though this is an unlawful change that has me considering going with a new lender.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX XXXX - XXXX : This account has never been late. I have demanded proof of statements under 1666b billing error. Nothing has been provided. I demand this account be updated to never late. 

XXXX  - XXXX : This collection is reporting as an account. There should be no payment history for a collection account. This needs to be deleted immediately. 

XXXX - XXXX : No methods of validation have been provided for this collection. Please provide proof or delete immediately! 

XXXX XXXX XXXX - XXXX : Both Experian and XXXX have deleted this erroneous account. Delete this immediately! 

XXXX XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately. 

XXXX XXXX - XXXX : This is not mine. I have asked for validation and nothing has been provided. Delete this immediately.
Product: Mortgage

Pay my insurance through escrow had a damage in my apartment called insurance company turns out mortgage company stoped paying it has been XXXX  months I didn't have insurance for XXXX  months They opened a lender 's placed policy with half the coverage that cost double the price and for some reason I'm responsible to pay the difference even though they accepted fault for not making the payment not only will that require me to pay higher insurance for the rest of my life as well as pay for the damages in my neighbor 's apartment and I only got half the coverage on my apartment because of the lender 's place policy
Product: Credit reporting or other personal consumer reports

I have disputed this XXXX late payment reporting on Transunion, XXXX proof showing XXXX was XXXX by the car dealership on XXXX XXXX. I should not be penalized for XXXX internal processing process, causing them to not close the account until XX/XX/year>. I had originally traded in the vehicle on XX/XX/year>. Well before the next payment due date of XXXX XXXX. 

When speaking to XXXX, they said they calculate the XXXX day late payment from my last payment received, which was on XX/XX/year>. This is not standard reporting practices.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no cunsumer 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

Back on XX/XX/XXXX, I submitted disputes to the XXXX credit bureaus as there was information on my credit report which I don't believe was accurate. I sent a letter to XXXX XXXX to XXXX XXXX XXXXXXXX XXXX, PA XXXX. I sent a letter to Equifax to XXXX XXXX XXXX XXXX, GA XXXX. And I also sent a letter to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX. 

Since then, I never received any responses or notices back. Because I never received any responses or notices back after almost 60 days, I sent them another round of disputes on XX/XX/XXXX asking for the same investigations and corrections to my credit report. Once again, I didn't receive any notices or responses. I have active credit monitoring, so I know if they have at least attempted to investigate accounts as I would be notified that accounts were under dispute or that disputes have been resolved. That didn't happen either. 

Here we are in XXXX, and I have yet to receive any letters from anyone, in regard to my disputes. Since I'm tired of waiting, and because I'm not going to send a third round only for the same thing to occur or rather in this case to once again not occur, I decided to let you know so maybe you could help me in obtaining investigation results for my disputes. That's not too much to ask for, is it?