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

I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.
Product: Consumer Loan

well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company
Product: Credit reporting, credit repair services, or other personal consumer reports

ERROR CODE XXXX  THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT
Product: Debt collection

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC.You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines up to {$1000.00}. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Product: Debt collection

In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.
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 accounts 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: Vehicle loan or lease

I leased a XXXX XXXX XXXX in XXXX. The lease was for 3 years and in XXXX I went to the dealership and saw the down payments and monthly payments and was advised to extend the lease if unaffordable. I extended the lease a total of 15 months and in XXXX of XXXX I had to turn in the vehicle, purchase the vehicle or lease another vehicle. The buyout was for XXXX and wanted to finance that because the down payment and monthly payment on a new XXXX was upwards of XXXX a month with a XXXX down payment. I said to the salesman lets finance the existing vehicle. He says ok and walks away to talk to financing. He returns and says sorry theres a stop sale recall on your XXXX XXXX and we can not legally sell you this car. I said huh. He says yeah, unfortunately you have to turn it in and purchase a different vehicle. I couldnt leave with the car because the lease was up. I called XXXX XXXX and another XXXX number, the financing line gave me. Both representives were no help. They said we dont sell cars you have to talk to the dealership. I felt pressured to buy a car because my lease was up and couldnt wait any longer to get the recall fixed so they could legally sell me my existing lease. I thought XXXX XXXX somehow compensated a customer whos been with them for XXXX vehicles now and didnt create this situation. Id like my story to be told to an executive at XXXX but they will not even initially respond to my request.
Product: Debt collection

This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner. 

She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it. 

I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours. 

They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay. 

My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.
Product: Debt collection

I am formally request a copy of the IRS Form 1099-C for a charged-off loan that was incurred under my account. The loan, associated with account number XXXX, was charged off due to unpaid balances, and I am requesting the 1099-C form reflecting the cancellation of debt and any profit loss charge-off related to it. As this form is essential for my tax filing, I kindly ask that you send the 1099-C to the address provided.
Product: Credit card or prepaid card

My husband XXXX XXXX and I had a Barclay credit card. We closed the card in XX/XX/XXXX which terminated any online access. I have been trying to get the XXXX Annual Summary but Barclay has not provided it. Beginning in XX/XX/XXXX I have called the customer service number XXXX on 4 separate occasions. I do not know the card number because we destroyed the cards and because our online access is terminated. However the Barclay rep was able to locate the account by my providing the last 4 of the social security number. The rep would not provide me with even the last 4 digits of the account number. In each of my 4 phone calls the rep promised to mail a copy of the XXXX summary, which I need for my taxes. We have never received the summary. The rep refused to transfer me to a supervisor. The last rep, XXXX was actually rude when I explained it was my 4th call and I had not received the summary that I had been requesting since XXXX. 
My desired resolution is to receive a copy of my XXXX Annual Spending Report Summary.
Product: Debt collection

I received a bill from XXXX XXXX XXXX XXXX at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from Discover where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
Product: Debt collection

I owe Kohls some money and I cant afford to pay it back and they are calling my XXXX year old widowed mother constantly. I do not live with her.
Product: Money transfer, virtual currency, or money service

I purchased parking garage ticketson XXXX. There was a clear picture of the garage and it was labeled parking garage D. The map of the garage is a REAL parking garage d. As soon as I purchased it switched to parking lot d... .this is a lot further away and not what I agreed to. XXXX customer service said since I had no screenshots of what I bought they wouldn't refund or even look into the seller as it was impossible for them to change what I got after I purchased. So I bought them again and took screenshots showing the garage in question before buying. They still denied it and one representative even said well its in the same city and close enough. It was further away, in a dark and secluded spot. I purposely paid extra for the covered garage so it was safer and more secure. I find this extremely misleading and I don't understand how its legal. They put all over their website and as you purchase that they guarantee your purchase... .but bait and switched me afterwards. I would just like a refund for the tickets as the lot was only {$9.00} and not busy as it was super far away from the concert. There was no need to purchase that lot and they scammed me into thinking it was a closer more secure garage. I had to walk at night alone further away then planned to a dark, unsecured lot ( nobody was patrolling the lot after the concert ) because they refused to refund me {$41.00}... XXXX also denied it even though I have proof. They closed dispute before i could even show all the proof just automatically sided with XXXX.
Product: Credit card

in XXXX I made a purchase of {$580.00} on a promotion that had no interest if paid within six months. I set up automatic payments through my bank to have {$85.00} sent to the company on a monthly basis with the final payment scheduled to be made in XXXX. This amount was higher than the monthly minimum amount of {$70.00}. In XXXX an annual fee of {$79.00} was assessed to my account. The XXXX payment was processed late by the company and a late fee of {$28.00} was assessed to my account. This late fee was reversed on XX/XX/XXXX. In XXXX the payment was processed on the due date however a late fee of {$39.00} was assessed the same day. This late fee was also subsequently reversed as it was assessed to the account in error. On XX/XX/XXXX I made an additional payment of {$95.00}. The final payment of {$85.00} had {$13.00} fee assessed and subsequently reversed. Because of all of the late fees that were incorrectly assessed and subsequently reversed, it appeared as if there was still a balance on my account at the end of the promotional period and as a result an interest charge of {$37.00} was assessed to the account on XX/XX/XXXX. 

I initiated many calls to the company to get the matter resolved. Most customer service representatives agreed that the outcome should be to zero the account and issue a check for {$17.00} that was overpaid to the account. However, none of them had the authority to zero the account and issue the check. I also followed up in writing and I continue to receive automated text messages. Demanding I pay a balance of {$100.00}.
Product: Credit reporting or other personal consumer reports

Not accurate filing date and showing up as XXXX XXXX on XXXX and on Transunion XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Product: Debt collection

On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full. 
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise. 
I asked if this was going to happen again next month, they said we are professionals of course not. 
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request Regarding Identity Theft Investigation I am writing to express my extreme frustration and disappointment regarding the handling of my identity theft case. In XXXX 2022, someone fraudulently used my personal information to make a purchase from XXXX XXXX XXXX Despite my repeated attempts to resolve this issue with both XXXX and your bureau, I have yet to receive a comprehensive report of the investigation conducted. 

As a result of this identity theft, I have accrued approximately {$500.00} in interest fees for purchases I never made. This situation has caused me significant stress and anxiety, and the financial burden is substantial for me to bear responsibility for purchases I did not authorize. 

XXXX directed me to file a police report, which I promptly did and submitted to your bureau as requested. However, I have not received any detailed investigation findings from you, apart from the generic response stating that my purchases were deemed non-fraudulent. 

I implore you to understand the gravity of this situation and the toll it has taken on my life. The lack of transparency and urgency in resolving this matter has only exacerbated my distress. I urge you to conduct a thorough investigation into the identity theft case and provide me with a detailed report of your findings promptly. 

I appreciate your immediate attention to this matter and expect a timely resolution. Your cooperation in rectifying this issue and alleviating my pain and frustration is greatly appreciated.
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.

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 re
port 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

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Debt collection

FMA Alliance , Ltd. sent me a vague letter trying to collect {$11000.00} for XXXX XXXX with Account number ending in XXXX. 

XXXX XXXX Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. FMA Alliance , Ltd. should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and FMA Alliance should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX XXXX XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust XXXX XXXX XXXX XXXX XXXX ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported my credit card delinquent to XXXX on XX/XX/2023 without first attempting to make contact with me. I was never notified by mail, email, text, or phone call, about my account being 30 days past due. The delinquent amount was for {$5.00} and had I been notified about this bill, I would have paid it on time. This amount and this should have never been reported for delinquency to XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am being billed by transworld for {$750.00} for XXXX XXXX XXXX. AT the time of the XXXX XXXX XXXX. I had a VALID XXXX XXXX which was fully funded and capable of paying the tolls. For whatever reason the tolls were not picked up by my XXXX I was unaware of this. Only recently, I receive a notice and contacted XXXX, which told me to call this collection agency regarding the tolls. I HAD AN XXXX   XXXX AT THE TIME OF THESE TOLLS. MY XXXX XXXX HAD SUFFICIENT FUNDS TO COVER THE TOLLS. I am being charge an additional {$100.00} per toll ( 7 tolls ), which is totally unfair. I had an XXXX XXXX, and my XXXX XXXX   had funds on it. Why is transworld trying to collect on a debt, which I shouldn't have. This is so unfair to me. I ensured my XXXX XXXX covered the tolls, and I ensured that I had money on it. Now I was sent to a debt collector who isn't willing to just collect the toll, but wants an additional {$700.00}. I'm being ripped off big time.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX. XXXX  ( Account numbers XXXX as well as XXXX and account number XXXX with XXXX. And XXXX XXXX account number XXXX. Has violated my rights 15 U.S.C. 1681 section 602A. States I have right to privacy.

15 U.S.C 1681 section 604A .section 2 its also states a consumer reporting agency can not furnish a account with out my written instructions