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

I used the AMEX Serve for a cruise with XXXX XXXX I took XX/XX/2020. I deposited XXXX to the card. After the trip the card was charged XXXX but still had holds from the vendor XXXX that equaled the total amount XXXX. I called Amex the day I got back to America with the final charge posted and my complaints about the holds. After informing them XXXX released the holds and it was up to my bank to finalize I was told by the first rep it takes a total 3 business days. After a week of phone calls ( XX/XX/XXXX to XX/XX/XXXX today ) and given different time lines from different reps. XX/XX/XXXX I spoke with XXXX XXXX who said by XX/XX/XXXX {$220.00} funds would be available. Today I was told by a supervisor XXXX XXXX XX/XX/2020 that I would only be receiving XXXX cents by XX/XX/XXXX of my money as the card was in the negative from the pending charges. Not one time did any rep including the supervisor offer to help the situation call the vendor or anything to rectify the issue. They could see what was happening ( supposedly ) but their hands were tied and they  blamed the vendor XXXX for bad timing on canceling holds XXXX already released a week ago. She didn't believe that and I couldn't believe that she tried to blame the vendor when a few seconds before on the phone with another rep they told me its nothing Amex could do to release the holds and it takes them up to 8 business days. What a rip off! Just a week before I had an issue with a declined transaction being deducted from the card only to be told the funds would be returned and never were. They told me they would have a supervisor call me within 2 hrs to find out why they funds that were " on hold '' did not refund. Please what ever you do don't USE AMEX SERVE. Not only was customer service unprofessional, the supervisor told me she would disconnect the phone call if I asked for ID # one more time b/c she already gave me the information. I was livid at this point but was able to get the number ( XXXX XXXX ) is the name. How dare she threaten me when Being a consumer keeps her phones ringing. I explained to her this is stealing and she argued with me I was crazy then she disconnected the phone. I would like my money back asap or help with this matter asap! Another issue I explained was each day a hold was released by Amex doesn't show me on the website or the customer service rep so that they could see clearly what was being held and the final amount that was deducted from the card. That to me is confusing for anybody ( consumer or representative ) and not user friendly what so ever. I also requested an email on several occasions at least stating the conversation that we had but she was unable to do that so what type of help was she giving accept for me to kiss her behind and Amex. Absolutely terrible. Ill stick to my Unsecured and Secured credit cards from here on out. 

Serve.com XXXX Domestic Calls
Product: Checking or savings account

Dear CITI User, We detected new login attempt from IP XXXX. If you didn't authorize this, kindly update us here https : XXXX... 

I do not have a Citi Bank account and I get these texts constantly phishing for personal information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error.

During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment.

I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA.

Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report.

Thank you for your prompt attention to this matter.
Product: Debt collection

I was contacted by Portfolio Recovery Associates LLC in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by Portfolio Recovery Associates LLC ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of Portfolio Recovery Associates. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX Transunion for XXXX XXXX XXXX Dear XXXX XXXX My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to file a formal complaint against Transunion for continuing to report inaccurate information on my credit report, despite having previously disputed these inaccuracies. 

In my initial complaint, I stated that Transunionwas not following the Fair Credit Reporting Act ( FCRA ). I had disputed several items on my credit report, including incorrect dates, amounts, missing payment history, and missing payments. I clearly marked these discrepancies and provided supporting evidence to Transunion. 

However, instead of correcting the inaccurate information, Transunion sent disputes to all of my credit card companies, causing them to close my accounts. As of today, XX/XX/year>, the following accounts have been affected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX cards All XXXX of my XXXX  XXXX cards I never disputed any of my accounts themselvesonly the incorrect information on these accounts. I have never missed a payment on these cards. Transunion actions have caused serious financial consequences and unnecessary mental anguish, as I now need to take additional time to write letters, send identification, and go through the cumbersome process of correcting errors that should have been resolved initially. 

I am requesting immediate correction of the inaccuracies on my credit report and the reversal of all actions taken by Transunion that have negatively impacted my credit accounts. This includes contacting my credit card companies and ensuring the reopening of any closed accounts that were improperly affected by these disputes. These accounts were never disputed or fraud this is destroying my good standing they did this without my consents and i want all comments removed I expect prompt attention to this matter and a clear response outlining the steps being taken to correct the errors. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have identified several inaccuracies in my credit reports which include incorrect personal information, re-aged accounts, and other issues. I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 
None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act. Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

XXXX XXXX XXXX XXXX XXXX -remove due to inaccuracy - I never paid late XXXX XXXX XXXX XXXX due to inaccuracy - I never paid late XXXX  XXXX XXXX - no notice of dispute- this is a violation The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Ive been trying to get wrong names, addresses, and accounts that do not belong to me and credit inquiries that I did not authorize off my reports. I was told by each company that the accounts were verified by the address theyre attached to. These addresses I never lived at. I tried to get these addresses I do not recognize removed and the credit companies told me they couldnt be removed because they were tired to an account. Theyre tied to accounts that I did not open. This is why Im demanding that they be removed immediately! These inquiries and unauthorized accounts are damaging me!
Product: Student loan

On XX/XX/XXXX, I received a letter from Navient stating that I was 95 days late for my payment and requesting me to call their office on or by XX/XX/XXXX to take care of the matter. I spoke to a lady on XX/XX/XXXX who told me that I was 105 days past due on my payment. I asked her, " how could that be '' President Trump and Biden indicated that the payments were placed on hold ''. She stated that Navient didn't fall under those guidelines. I was confused at that point. She stated that was for my other loans, meaning my federal loans, not private loans. She stated that Navient had my private loans for $ {$29000.00} and XXXX had my federal loans for {$5000.00}. She then proceeds to tell me that my federal loans were transferred in XX/XX/XXXX. I stated to her that I had no knowledge of this. She indicated that I could be placed back on track for {$20.00} today, during the conversation. I became skeptical when she had mentioned this because I never heard of a loan facilitator offering such. an offer... I did some investigation and found out that the transfer of my loans was done without my knowledge until I received a letter in the mail from Navient. I'm very angry with the wayt Navient has handled this situation. I went thru a terrible hardship during this pandemic I explained this to several different people at Navient. After I told them what I endured and the fact they offered to get me back on track you would think they would have a heart and remove the inaccurate information they reported about my account with them. I felt this was inconsiderate and cruel.
Product: Student loan

7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. With this inconvenience and lack of accountability, my Zelle has been shut down for months and I have been unable to use.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding Equifax, one of the three major credit reporting agencies, for their failure to respond to my inquiry dated XX/XX/XXXX concerning inaccurate information on my credit report. 
On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies on my credit report. As of the date of this complaint, I have not received any response from Equifax. The incorrect information and the required corrections are as follows : The following account is not mine : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$670.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Student loan

I currently have a loan through " Figure XXXX '' and I am attempting to refinance through " Earnest. '' On XX/XX/XXXX, the dispersement was sent from Earnest to XXXX but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, Earnest states they resent the payment to XXXX, but due to this not being an " Earnest error, '' I was charged interest for the days that Earnest did not have the money. This totals {$430.00} in interest that was accrued on my Earnest loan even though XXXX states they never received payment. XXXX also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though XXXX has still not received payment.
Product: Mortgage

I paid off my mortgage XX/XX/XXXX. It's over 5 months later and the mortgage company has not released the lien yet. I started contacting them in XXXX of XXXX. I have been back and forth on the phone and through e-mail and the furthest I get is that they'll say they are putting in a request to get it done. Also their automated phone system is tricky. To get to the main menu and request talking to a representative, you must choose go to their 1098 menu after listing to 10 minutes of other information. I told a representative about the phone menu and they said they knew about it. The phone menu has not been fixed.
Product: Mortgage

The first week of XXXX I contact PNC Mortgage to pay down my HELOC to XXXX. I was told to go online, use button for " pay off amount '' and to pay that amount. I did, which resulted in overpayment of {$1000.00}, but also received a notice that I owed {$220.00} in interest since I did not specify how much was to go to principal vs interest ( I was not told to do this ). Additionally, I was told upon follow-up XXXX that I should have requested a mailed payoff statement, and that I should ignore and not pay the XXXX HELOC statement I would receive. I had no way to shut off autopayment from the PNC checking ( which had {$0.00} in it ) for the XXXX payment. There should have been no payment since the HELOC account was overpaid ( had a negative balance ). However, PNC pulled {$1000.00} out of the account, and now I am in overdrawn status on my checking. The last week of XXXX I had called again and asked how to get this account down to XXXX. I was told I had to transfer money into the checking ( takes 5 days for PNC to clear this ) and pay the interest of {$220.00} before they would reimburse me for the negative balance on on HELOC. I was all set to do this today when I noticed the XXXX payment and overdrawn checking which I did not authorize ( any never applied for overdraft on this account ). I have requested a daily breakdown of the account for the past two months so that I can understand the flow of money, and still have not received a payoff statement after XXXX XXXX XXXX over XXXX month. I can not get a straight answer as to how to get this account to XXXX ( principal and interest ) and believe that I may be overcharged with interest payments at the same time they owe me money for paying down the account too much. 

This is after multiple issues originating the account earlier this year, and having them decline checks made on the account where they said my signature did not match the loan documents ( I checked. The signatures were identical ). 

There are so many issues with the service and the product. The staff does not seem to understand how the product works, and the process to get information by mail is antiquated. In the meantime the payment amount changes by the time you receive the information ( if you receive the information at all ). 

Additionally, PNC clearly does not want complaints. They make it nearly impossible to provide feedback, and it has to be by phone. The phone staff does not know how to handle or document or escalate complaints. There is no way via email or mail to provide complaints. Multiple phone calls this year I have said " this is a complaint '' ( on a recorded line ) and never receive any feedback. They make it impossible to document a formal complaint. 

I will be closing out this account as soon as I can get the balance XXXX  out and I absolutely do no recommend doing any type of banking with PNC. I work for a bank, and having seen what we have been asked by our regulators to make it easy and responsive for customers to file complaints, I am astounded that PNC is able to operate this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX Accout # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Paypal locked my account on which I have XXXX. I tried to contect them, but they are avoiding my emails.
Product: Credit reporting or other personal consumer reports

My social is score is showing XXXX which incorrect.
Product: Debt collection

This company is listed on my credit report as a collection account with a XXXX balance. I have never done business with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$360.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX