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

I made a transaction through a website known as XXXX - which I later discovered that it is infamous for scamming customers. XXXX is a complete fraud. The tr Pre-Transaction : It clearly noted that my reservation would be refundable. This is why I proceeded with the transaction. 

Post-Transaction : I called XXXX more than 10 times - sometimes staying on hold for more than two hours. Their dispatchers are based out of a call center in XXXX. They are extremely rude and weren't understanding the situation. At one point, they simply hung up the phone on. I even called the airlines directly of whom told me it can only be resolved with XXXX. 

Two submitted disputes later, and United Bank still will not help this situation. They have denied the dispute and claimed there's nothing that can be done because it is " human error. '' I explained to them how I was a victim of fraud. How before the transaction it read that it was refundable. No one is willing to listen to me or understand the situation. Especially in light of the COVID-19 situation, these funds are vital. Any help or assistance in this matter would be greatly appreciated. 

Date : XX/XX/2020 Vendor : XXXX Bank : United Bank Type : United Free Checking Amount : {$790.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX acct. # 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.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX payment sent in the amount of {$5600.00} to bridgecrest XXXX/XXXX/XXXX payment was reversed in the amount of {$5500.00} from bridgcrest XXXX/XXXX/XXXX payment sent in the amount of {$310.00} to bridgecrest XXXX/XXXX/XXXX payment reversed in the amount of {$290.00} i spoke with a CSR i was told they were unable to locate the account, i asked for an audit of transaction history for factual proof that my account was unable to be located because red flags were risen when the actual payment amount was not showing back on my account with bridgecrest if account was unable to be located, bridgecrest sent me an email with a legal document showing account history of the payments per my request after several attempts of me trying to get them to do so that did not adhere to the proper payment amount that was submitted by me.I told bridgecrest that i was aware of this being a situation that needed to be investigated at this point, i asked bridgecrest to tell me what the payment amount was for the dates XXXX/XXXX/XXXX made out by me and they CSR stated she sees in the system a payment of $ XXXX well as a reversal on XXXX/XXXX/XXXX in the amount of XXXX but in the legal document and on my account from bridgecrest it states the dollar amount of {$5500.00} just as the same for the payment on the XXXX for the amount of {$310.00} so at this point i told them i had no choice but to file a complaint because they are telling me that it just that no acount was found but if that was in fact true the audit of tranasaction history would reflect the actual dollar amount submitted for payment not another dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report and Police Report I filed on my local Police Department for your reference Below, are the items they should DELETE from my file. Again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, -Charge
Product: Credit card or prepaid card

On XX/XX/XXXX, when trying to pay for a purchase I made with a merchant, I handed my credit card over to the merchant, and she returned it moments later saying my transaction had been declined. It later became clear that the merchant had fraudulently swiped my card for two successful transactions of {$140.00} and {$140.00}, and attempted to swipe for a 3rd transaction that was declined. After the merchant told me the card had been declined, I ended up paying a bewilderingly high amount of cash and was refused to be provided with any receipt outlining the prices of the goods purchased nor the receipt of my cash payment. This, combined with the discovery of the two unauthorized pending charges on my online bank account, prompted me to report the incident to the local police the following day, XX/XX/XXXX. 

I opened a dispute with the credit card company ( PNC Bank ) as soon as the charges posted to my account, on XX/XX/XXXX. They soon after mailed a request to provide a receipt or other documentation. Not having a receipt, I mailed back a copy of aforementioned police report. On XX/XX/XXXX, I  received a letter from the credit card company saying they are unable to assist in my dispute. I called them on XX/XX/XXXX and spoke with a representative who adamantly insisted that unless I provide some kind of receipt, there is absolutely nothing they can do to assist me. 

After a few weeks of doing some additional research and consulting with peers, I called the credit card company back on XX/XX/XXXX, and firmly insisted that per the Fair Credit Billing Act I am entitled to ask for proof of charges I am being required to pay for, and do not have to provide anything to request such proof. A different representative again adamantly insisted that unless I provide some kind receipt there is absolutely nothing they can do. After some back and forth, I was transferred to a supervisor 's voicemail, where I left a message dropping the term " Fair Credit Billing Act '' a few times. I got a call back from the supervisor a few hours later, saying they will go ahead and proceed with my dispute. 

On XX/XX/XXXX, I received a mailed communication from the credit card company with 2 receipts for the 2 charges, provided by the merchant. The communication stated that based on these receipts, they are unable to assist in my dispute. I called on XX/XX/XXXX asking to speak with the representative whose name was on this communication, wanting to share some concerns I had with the provided receipts, some of them being : discrepancies between the timestamps on the itemized receipt and the signed credit card slip, discrepancies between the timestamps on the signed credit card slips and when the swipes actually occurred, and most importantly the fact that the signatures on both slips were forged. That representative was not available, but another one told me she would pass along my initial remarks and I will be receiving a call back from the original representative shortly. Today, XX/XX/XXXX, 3 full  business days have passed and I have yet to receive a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Product: Credit reporting or other personal consumer reports

" The Fair Credit Re

porting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 
{ Inquiry Creditor Name, Inquiry Date ) XXXX  Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.
Product: Credit card or prepaid card

After reviewing my credit report there are several American express accounts that have been opened in my name without my knowledge. I have written your company a letter disputing these accounts along with several unsuccessful disputes with XXXX and XXXX. Usually I get a very wordy dispute response back that doesnt make sense and it remains on my credit report. Please remove all of these accounts from my credit report. My personal american express card that I have had since 2003 was closed due to this. At the time it had a perfect credit history and a XXXX balance. I also used to have a perfect credit score which is now around 555. I can not take out a car loan and I've had other lines of credit closed as a result of these derogatory remarks on my credit report. I have been the victim of identity theft due to numerous unauthorized credit cards and back accounts opened under my name. Certainly if you look at my credit report you will find that I have always make my payments on time.
Product: Mortgage

Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help.
Product: Vehicle loan or lease

I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I have submitted a complaint already. United Auto Credit has contacted me 2 times today and proof is below. I also received a text message. This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of back-and-forth with a XXXX XXXX bank and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card green dot bank ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank
Product: Credit reporting or other personal consumer reports

Remove this account from my Credit report because it is not mine XXXX. XXXX
Product: Credit card or prepaid card

Summary : I did not receive the advertised welcome offer for the Amex XXXX Card XX/XX/2020 : I applied for the Amex XXXX   Card through this link : " XXXX/amex-offers '', which indicated the following welcome offer : " Support Restaurants You Love. Receive 20 % back as a statement credit when you make a purchase at restaurants worldwide with The XXXX  Card within the first 12 months of Card Membership, up to {$300.00} back. 

PLUS, earn XXXX Membership Rewards Points after you spend {$5000.00} on eligible purchases with your new card within the first 3 months of Card Membership. '' Clicking on the XXXX  ( also owned by Amex ) link took me to the following link, which indicated the same welcome offer ( I also saved the webpage and the terms from when I applied, see attachments ) : " XXXX : XXXX '' I applied and was instantly approved. 

XX/XX/2020 : I used the online chat feature and asked the Amex customer service representative to confirm that the welcome offer was attached to my account. The representative confirmed that the XXXX MR points after {$5000.00} spend was attached, but could not see the 20 % back on restaurant purchases ( up to {$300.00} back ) attached. I was transferred to a supervisor and an investigation was opened for me. 3 weeks later, Amex said that the investigation concluded that I should receive only the XXXX MR points offer. I disagreed, and told them I had proof that the terms clearly advertised that I should receive 20 % back on restaurants ( up to {$300.00} back ) in addition to the XXXX MR points. A new investigation was opened, but to this day ( XX/XX/2020 ), Amex has not honored their publicly advertised welcome offer. 

Therefore, after multiple attempts to resolve this issue with Amex, I have no choice but to submit a CFPB complaint about Amex 's misleading advertising and marketing practices. I would never have signed up for a {$550.00} annual fee card if it wasn't for the lucrative welcome offer.
Product: Mortgage

XXXX XX/XX/2022, {$870.00} added {$25.00} making it XXXX. 

wanted to inquire about payoff amount, was told it would be a {$25.00} fee, declined. However the rep submitted it. I now have a {$25.00} fee attached to my payment. I have not paid yet. 

When I saw this I called in and was told a manager would contact me I had no such call. 

XXXX XX/XX/2022, I called in again, rep said that it should not have happened. Supervisor was to join us, but then was told I would be contacted in 24 to 48 hours. 

Still no contact from Nation Start, dba Mr. Cooper.
Product: Credit card or prepaid card

My XXXX payment was submitted in full to Comenity Bank on XX/XX/XXXX via electronic payment from my bank account at XXXX XXXX XXXX The funds were debited from my acct on XX/XX/XXXX and according to acct. history the check was delivered on XX/XX/XXXX. The due date on the Comenity bank statement was XX/XX/XXXX. 
I received my XXXX statement and the amount due is the previous months balance, a late payment fee and interest on the previous months amount. 
I spoke with 3 agents and each one said the previous months balance was due although I disputed that I owed anything. Not one of those agents told me that I could dispute this and I had 60 days to do so. 
I did make a payment in the amount which was reported on the XXXX statement but cancelled it after some investigation of my account history. I went to my bank got a copy of the cancelled check sent to Comenity on the XXXX which showed they received a payment in full and cleared XXXX  XXXX  on XX/XX/XXXX. 
I did make a payment of {$41.00} as a minimum payment. But I believe that is money that needs to be credited back to me since I had no balance due. 
I did file a dispute according to the instructions on the statement and sent it certified mail along with supporting documents. 
The number of phone calls from Comenity about every other day was annoying and there was one on XXXX XXXX.
Product: Credit card

full history of : credit limit ( {$700.00} ) transactions ( {$1800.00} ). fees/interest ( {$500.00} ) and payments that I made against the account ( {$2300.00} ) they mailed me paper copies of all of this, yet they claim I owe them {$580.00}. And, I still can not use the card since XXXX. 

Their own paperwork states I owe {$0.00}. 

In the meantime, they have dinged me for a late payment. They even sent me an offer for ANOTHER card and declined it b/c they said I had " a negative history with them. '' I don't understand their math or the penalty + reporting me for this. 

All of this has been in good faith.
Product: Credit reporting or other personal consumer reports

Car loan was charged off XXXX years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to Experian that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX. 

For XXXX years they have reported this charge off as 30 days late every month for XXXX consecutive years. I have contacted them on several occasions and disputed it multiple times with Experian.
Product: Debt collection

Received a collection letter from American Coradius International LLC today attempting to collect {$4000.00} from a XXXX XXXX   account that I have no idea existed, and certainly was not opened by me ( 2015 ) without my knowledge or consent. Not the first time I have had to dispute fraudulant accounts with XXXX or especially XXXX XXXX. Both should be held criminally responsible. This account has not shown up on any recent credit score reports. I have contracted with a credit score repair firm XXXX XXXX XXXX over the past few months and this account whether delinquent or active has never appeared on my report. I would like to charge XXXX XXXX with criminal negligance for allowing this account ( again ) to be opened without my knowledge or consent and thus negativley affecting my credit score. 

XXXX XXXX XXXX