23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I made the horrible mistake of opening a XXXX 's XXXX membership. Despite the agreement stating clearly that it was an agreement that could be ended with XXXX day notice prior to the next billing cycle, XXXX 's did their typical behavior and pretended they never got my notice of cancellation. When they charged my card again, I went to the bank and asked them to stop all payments to XXXX 's. They refused and told me that only XXXX 's could stop the withdrawls. I asked to close the account and was told that until XXXX 's ended the withdrawls, they would not close the account. XXXX 's refused to ever acknowledge that I had ever contacted them. I then emptied my bank account and moved to another bank, unable to close this account. XXXX 's kept charging to it, despite having received the letter ending the contractual relationship -- -a copy of which was shown to the branch manager of this bank. Of course, the account was empty, but XXXX 's kept charging. This bank started implementing fees for overdrafts, and I kept complaining and they did nothing. They said they 'd contacted XXXX 's who never responded and since they did n't respond, this was presumed to be an affirmation that the contract was in place and that they 'd allow XXXX 's to keep charging the account. I asked again to close it, and this bank refused to close it and instead kept charging me overdrafts. Ever read XXXX? That is the logic behind this bank 's behavior. 

Now, I left my current bank and now can not get a checking account because this idiotic situation. XXXX has a very very long and established reputation of doing exactly this to people. The local XXXX went under and was bought out by XXXX hour XXXX and nobody will take any responsibility for this, saying that I have to pay hundreds and hundreds for overdrafts caused by a company with a bad reputation and a bank that refuses to help it 's patrons. 

Thank-XXXX I did n't put all of my money into this horrible nightmarish bank. I would absolutely recommend that anyone considering this bank run as fast as they can, and that if you have an account with them, that you close it ASAP and get away from them fast! 

I 'll be happy to testify in any class-action suits, or if you 're an attorney, I 'll happily be your plaintiff.
Product: Credit card or prepaid card

I have been an outstanding PNC Customer for many years with several accounts : On XX/XX/XXXX I was appalled to receive 5 ( five ) letters dated XX/XX/XXXX, that all of my accounts would be closed as of XX/XX/XXXX without any prior warnings! It was a hardship for me, transferring funds to another Bank, setting up new Direct Deposits, and not being able to use its Telephone Banking.

In the past, I had to bring discrepancies to its Customer Service and also to the Executive Office, whose Manager " XXXX '' only wanted to handle a dispute of {$24.00} XXXX Credit Bureau charge, by canceling my Credit Card in order to send me a new one, which would take several days. I then decided to take care of it myself in lesser time. 
I also had an unauthorized charge of {$210.00}?, which a XXXX XXXX refused to delete, and it seems that PNC passed this amount on to the Credit Bureau as owed. I tried to give XXXX XXXX more information, which she refused, however, she " did it her way ''. Receiving a letter from her, I noticed another mistake ( although, I had advised her. She promised to send me the corrected letter, which I never received. 
I also noticed that I overpaid the PNC Credit Card, and I never got the funds, they owed me from XX/XX/XXXX. 
Summary : I helped and corrected many more mistakes, I could mention, i.e. not deleting my husband 's Credit Card being Joint owner, upon his Death in XX/XX/XXXX, although I presented a Death Certificate in XX/XX/XXXX, and it took PNC 18 months to delete it. 
I never dealt with a Bank, making so many mistakes, which I had to bring attention to.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX FEDERAL COURT XXXX XXXX )
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX of 2022, three unauthorized transactions were made on my XXXX XXXX  account. A transfer amount of {$54.00}, {$100.00}, and {$100.00} was taken from my amount which I did not do. It was done through remmesa, XXXX XXXX XXXX with the pickup location being called XXXXXXXX XXXX XXXXXXXX. I have just closed my card as of today XX/XX/XXXX but my bank can not do anything until the money is done pending.
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 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: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

XXXXXXXX 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 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 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 XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I sent {$200.00} using Zelle to XXXX for payment of a XXXX XXXX  from XXXX. I messaged this person on XXXX for a tracking number, but my messages were ignored. I asked for updates each day after that, but no response. Finally, about a week later, when I threatened to open a claim to get my money back since it seemed my purchase was not going to be sent to me, the individual claimed that I was the scammer. They ultimately blocked me and our message exchanges no longer exist. I called XXXX to see how I could get my money back, but I was told that there is nothing that could be done. I would just have to come to terms with losing the money. I was not aware that Zelle did not have some sort of consumer protection and will no longer be using it in the future.
Product: Credit card or prepaid card

I was fraudulently charged {$29.00} 9 times which came out to {$260.00} on XX/XX/2021. 
I filed disputes for all of the charges and the refund was approved XX/XX/2021 but I never received compensation I also have called countless times and talked to plenty of managers and they keep giving me the run around saying they will escalate and sent it to there higher ups. 
So at this point I feel like there should also be Interest because over half a year is considered beyond unreasonable in customer law. 
The account was XXXX by Comdata.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX & Experian consumer report and I noticed some inaccurate information posted on my consumer 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} Update/Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC S1681 .
Product: Mortgage

On XX/XX/2022 I made a payment to Loan Depot of New Jersey for {$1100.00}. I was informed that my loan was being transferred and an additional payment of {$1100.00} to the new loan servers Loan Deport of Texas. I have tried since XX/XX/2022 to retrieve the payment of {$1100.00}. New Jersey have no trace of the payment but my bank ( XXXX ) show proof of payment. Texas has received their payment. New Jersey has refused to help and keep telling me to call back in 10 to 20 days. I am at a loss on how to get my payment back or transferred to my new loan servers. My next loan payment is coming up and I need the money to fund it. Loan Deport are very unorganized and not helpful, at times rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX & XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Product: Debt collection

This account was opened fraudulently by XXXX  XXXX XXXX XXXX XXXX XXXX. I did not go there and I do not recognize this charge. My information was stolen from another web site
Product: Credit card

I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reported to the credit reporting agencies, several addresses identified on my credit profile, that are not deliverable by the US Postal Service, but the addresses have not been removed from my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

I asked the company multiple times to have the account removed from my credit reports. This account was included in the bankruptcy.
Product: Debt collection

Received notice on my credit report of a debt that was owed and opened in XX/XX/2023. I have not had cell service through XXXX  in over 20 years. I have tried to resolve the issue with Jefferson capitol and they won't even answer the phones. I need debt verification and proof of ownership. I believe this account to be identity fraud because I have use prepaid phone service for the last 7+ years
Product: Credit card

Are : Fidelity credit card managed by Elan Financial services. 
Sent in a check dated on XX/XX/XXXX, their own recording reports that they received the check on XX/XX/XXXX. The due date was XX/XX/XXXX and they processed it on XX/XX/XXXX or XX/XX/XXXX. This caused us to be charged a {$30.00} late fee and XXXX $ in interest charges. 
They said they reviewed and refused citing they had already remedied a previous late fee based on their late processing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I am writing today regarding my interest that has been charged on my account. I bought furniture from Raymour & Flanigan XXXX, XXXX with promotional deal with 0 % interest rate for 2 yrs period. With in the two years I have to pay full amount otherwise interest will be charged. According to deal I was paying every month payment. My intention was before two years I would pay whole principal amount and XXXX, XXXX was the last time to pay all the due. But unfortunately from XXXX XXXX covid-19 started and I became unemployed. After that to avoid the interest I hardly arranged money and paid my full principal amount. But unfortunately that payment they received instead XXXX, they received sometime in XXXX. For that 15 days delay they added almost {$1200.00} interest on my account and asking me pay all the interest otherwise they sue me and put bill to collections. I called them and explain them my situation but they denying all my request. 

I am not working since 5 months due to pandemic. I am currently unemployed and it is not possible for me to pay this huge amount. So this circumstances I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.
Product: Credit card

We keep trying to negotiate with Discover the refusing to work with us. They keep claiming that the account is on hold and theyre taking our rights away and then claiming that suddenly everything is gon na be closed out then they keep sending emails and every time you talk to them then they want you to just pay the minimum balance. Theyre not being very honest theres no transparency and theres no way to fix this, its a different story every time you talk to someone and then its the same story as no one ever read over the file. On top of it, the harassing us to pay the minimum balance when they said the account was going to be closed out and then its just and then its gon na be current, which makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Under 15 U.S.C. 1681 XXXX account # XXXX XXXX XXXX XX/XX/XXXX {$470.00} # XXXX XXXX XXXX XXXX account was closed in XXXX {$7800.00} # XXXX XXXX account closed XXXX {$10000.00} # XXXX XXXX & XXXX account closed XXXX {$110.00} # XXXXXXXX XXXX XXXX XXXXXXXX inaccurate falsely reporting claims {$9300.00} # XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX inaccurate information # XXXX The XXXX XXXX XXXX {$89.00} XX/XX/XXXX inaccurate information # XXXX XXXX XXXX XX/XX/XXXX XXXX account # XXXX XXXX XXXX XXXXXX/XX/XXXX closed account # XXXX XXXX XXXXXX/XX/XXXX inaccurate information # XXXX XXXX inaccurate {$9700.00} # XXXXXXXX XXXX inaccurate {$7300.00} # XXXX XXXX inaccurate {$4700.00} # XXXX XXXX inaccurate {$3500.00} # XXXX XXXX inaccurate {$3300.00} # XXXX XXXX inaccurate {$3100.00} # XXXX XXXX inaccurate {$2900.00} # XXXX XXXX inaccurate {$2600.00} These XXXX accounts have all violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 : It also states a co
nsumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any items of information or any 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, credit repair services, or other personal consumer reports

Bank of America reporting all old account information including balance and payment dates after the the debt was discharged in a chapter XXXX bankruptcy 3 years ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
Product: Mortgage

I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.
Product: Credit card or prepaid card

I am a victim of identity theft, as a result many accounts such has banks and credit cards were opened in my name. I have directly sent documentation as well as letters to this company and the credit bureau maintaining my financial information and the item is still being reported and even was sent to another company to collect on the account. This has adversely affected my credit rating. Notarized affidivats were mailed directly to the companies
Product: Debt collection

XXXX continues to report an account that was discharged in my Chapter XXXX bankruptcy discharged in 2013. This is showing as a collection on my XXXX account. I have disputed but they refuse to report accurate information on my credit report.