23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Car was rented from XXXX at XXXX XXXX on XXXX XXXX 2022. My card was presented to the merchant for the cost {$110.00} to pay for rental in full. It was explained I would get a follow up bill for for toll by plate charges which was fine. 

On XX/XX/XXXX, the same rental agency charged my card again in the amount of {$170.00} for the same rental contract. I was already back in XXXX on XX/XX/XXXX so how could I rent a car again from half a globe away? 

Barclay has been contacted three times about the fraud and have done nothing to get it fixed. They have not asked for signed documentation for this charge and admitted that my card was not present with the transaction was made.
Product: Mortgage

We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )
Product: Credit reporting or other personal consumer reports

I am formally requesting this complaint to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : 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 In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.
Product: Credit card

On XX/XX/year>, I noticed charges on my Truist credit card that I've never used before. First charge that happened on XX/XX/year> was {$400.00} and the 2nd charge that happened on XX/XX/XXXX was {$820.00}. Both of the charges were made for XXXX purchases. I called the Fraud department XXXX to notify the charges I didn't approve of and request to close the account. The person on the phone told me that the account is closed and the charges on credit should be disclosed. Then on XX/XX/XXXX the account that was supposed to be closed reappeared on my online accounts with interest fees. I called the Fraud department again and they said that the person I talked to back on XX/XX/XXXX didnt file the fraud claim. I asked for the reason and they couldnt provide the proper explanations. They told me that the claim will be submitted. And the charges and interest fees will be disclosed. I asked them when the claim will be finalized. They said they are not sure. After the phone call ended, the credit card account disappeared from my online accounts. Then on XX/XX/XXXX, the same credit card account appeared again with the same charges and more interest fees. I called the same department again and they said that the claim is still pending and I have to wait until XX/XX/XXXX to hear the result. They also told me that if the case didnt get resolved, call this number again. And if its possible, try to make a minimum payment. Why should I be making any payments on charges that I didnt approve of? And this whole case happened back in last year of XXXX and I dont see any reasons to take this long to respond. Each time I called the department, they gave me different answers. They are either clueless or just hang off on you. Truist doesnt care about their customers at all. And I am afraid that this case won't get resolved. Please let me know.
Product: Credit card

Discover close my account on this XXXX. I have XXXX cash back and redeemed as staples gift cards. However, I did't receive XXXX dollars gift card and contacted discover on XXXX. The agent told me it need to take 6-8 weeks to investigate. Ok and then I wait and contacted them lately ( more than two months ). The agent just told me they wont replace it and XXXX specialist would contact me in 24 hours. Unfortunately, no one contact me again until I called back. Told me discover made a decision and not replace that to me. I see a bad customer attitude company here and I wan na everyone know how discover treat this customer. I requested to have my XXXX staples gift card back.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute on certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit card or prepaid card

I have tried for the last week to close my Account with XXXX XXXX issued by Regions Bank. Most of my calls end up on unending hold or I just get cut off. Today 's call was a transfer to the " Disconnect Department '' and then, after waiting on hold for a while, I got disconnected. This started out when I found out they were charging me {$10.00} per month for a card that they told my wife was free. So I see that as deceptive practices or outright fraud. All I want to do is close this account. I have zeroed out the balance by paying over the phone, that is the one thing that did work over the phone.
Product: Credit card or prepaid card

Per the direction of a phone message left by a customer advocacy manager at Wayfair on XX/XX/2020, I am supposed to initiate a dispute directly with Comenity Bank, who in turn, will notify Wayfair. At which point, Wayfair will authorize the change to take place. Please be advised of a dispute as to how the below transactions posted to my account. 

1. ) XXXX {$380.00} should have posted on the 6 month no interest plan. 
2. ) XXXX {$1300.00} should have posited on the 24 month no interest plan ( I did not select the low APR plan ). 
3. ) XXXX {$3.00} finance charge removed, if transactions processed properly, never would have been billed this amount. 

At checkout, I selected the 6 months/24 months plan. Obviously, I understand if not paid in full during this time frame that interest will accrue back to the original payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit with XXXX XXXX  ( now XXXX XXXX   XXXX ) and a credit account with XXXX XXXX  which were discharged in chapter XXXX bankruptcy inXX/XX/2013. A few months ago both XXXX XXXX XXXX  and XXXX  filed derogatory statements on these accounts. contacted TransUnion and filed a complaint. After 30 days I received a reply from TransUnion that both lenders refused to remove the statements even if both creditor are in the bankruptcy that is also listed on my credit file. I want the derogatory statements removed as it is simply reiterating what is in the bankruptcy reported to the credit reporting agencies. What can I do?
Product: Debt collection

I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.
Product: Consumer Loan

I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.
Product: Checking or savings account

I open a checking account with trust bank on XX/XX/2023 I deposited my tax return check in the amount of {$25000.00} had no issues at first I was able to take some of my money out of the account until the check cleared which was on XX/XX/2023 the day it clear I tried to send money for a car purchase link with my checking account to my cash app account a they closed my account said it was flagged for fraud but I wasn't I told them it was me that tired to send the money in my account I have overXXXX left that they won't return to me they keep saying it's under review it's been over two months I even sent them a copy of my tax transcript and I still haven't heard anything from them
Product: Credit reporting or other personal consumer reports

Hey I Received an 1099 Form for the charged off account : Account XXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Creditors sold debt to several collection agencies without notifying me first. This is violation of my privacy. Creditors also listed false information on my credit report.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to file a grievance regarding the handling of my Bank of the West credit card account. On or around XX/XX/XXXX, I made a payment of $ XXXX towards my credit card balance at the XXXX location. However, despite my payment, the teller did not properly apply the payment towards my balance. 

Upon discovering this issue, I immediately contacted Bank of the West to rectify the situation. However, I was met with repeated runarounds, both in person and over the phone, which resulted in my credit being compromised for the following six months. 

It was only after I reached out to corporate with images of the receipt and the names of the tellers involved that the issue was finally resolved. 

I am extremely disappointed with the level of service I received in this situation. As a customer, I trusted Bank of the West to handle my account with care and attention to detail. However, due to the negligence of the teller and the inefficiencies of the customer service team, yet again I had another issue this last year in XXXX of In XXXX, I lost my card and requested an itemized list of my purchases and a replacement card. However, despite repeated attempts to communicate with Bank of the West, my requests were ignored. 

I informed Bank of the West that I was willing to pay for any purchases made on my card once I was able to review an itemized list of my transactions. However, without warning or explanation, Bank of the West closed my secured credit card account and withheld my down payment of {$1000.00} that I had made in XXXX. 

As a result of Bank of the West 's negligence, my credit score has plummeted from XXXX to XXXX. I have been having a difficult time obtaining financing for essential purchases, such as a vehicle, due to this significant drop in my credit score. 

I appreciate your attention to this matter and look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX. I have attached other customer reports on how they have had similar experience with their banking.
Product: Vehicle loan or lease

I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. 

I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. 
I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.
Product: Credit card or prepaid card

In XX/XX/2017, I bought vacation package from XXXX for my family ( XXXX people ). 
XXXX sold me a package - which was a classic bait and switch the description of the property online was not the reality. When I bought this vacation package I used credit card American Express Delta SKYMILES. 
During vacation I had multiple issues, and when I come back from the trip I called American Express and asked their support to protect my interest as a customer and help me return the money for the trip.Americam Express representatives answer was : we are going to investigate this matter. 
After some times, American Express sent me a letter saying that they did their investigationand that they needed more information from me. This went on for 5 months where I would get a letter that they needed more information and every time. Multiple times they told me they can not help with this matter and it needs to be taken up with XXXX. American Express did not protect my interest. I tried to reach management of American Express or legal department many times, however, it was always useless. The last time that I tried and finally got ahold of a manager- she was very rude and nasty to me. She would raise her voice and shout at me, she treated me like I was garbage and she was doing me a favor for even picking up the phone to speak with me. I asked her who gave her the right to talk to me like this, and she responded XXXX is one of our biggest customer and we do not want to ruin our relationship is them just because of you. 
It took me one and a half year to protect myself in the courts against XXXX. I have won the case against XXXX twice- once in thesmall claims Court of XXXX , and after- in their Arbitration Court ( XXXX tried to appeal the original ruling ). I finally got my money back, but I spend a lot of time and energy its was damaging to my character, it was difficult to protect myself when American Express should have stood behind me and protected my rights as a customer. 
I can provide copies of the Court Orders and the copy of the check which I finally got back from XXXX. I wanted to let everyone know how American Express customer service representatives, management and legal departments do not stand behind their customers and protect their rights.
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 an 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 financial loss, and I seek appropriate compensation. ( 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: Credit card or prepaid card

Bank of America closed my Credit Card earlier this year and said they can not reopen that card- stating they will be happy for me to reapply for another credit card from them but CAN NOT reopen this closed credit card. ( This issue has been reported in the past thru this website without any resolution from BofA as requested ). ( complaint ID XXXX ). 
I decided to reopen another credit card as BofA recommended me in the past on XX/XX/21, which they denied right away stating in the letter " An Account with us and/or our affiliates has been revoked. '' I think Bank of America is tricking me by telling me to apply for another card when they close my last card. If BofA does not want me to have another credit card from them then they should say so rather than giving me a false recommendation at the time they close my old credit card.

This kind of business is unacceptable from a big corporate like BofA- recommending to apply for another credit card, then denied once applied. This kind of business should not be tolerated because this affects my credit score ( hard inquiry ).
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 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 THEY HAVE ALL 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.