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

On XX/XX/2018 and XX/XX/2018 I had multiple fraudulent charges made to my Walmart MasterCard Account XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX for {$550.00} - refunded to my account. 
XX/XX/2018 Balance Transfer for {$1100.00} - still on my account and not refunded. I have contacted Walmart CC multiple times and am told that it is in their Fraud Dept and I will hear back from them soon. So here I sit, months later and am still paying on the balance transfer. They have refunded fees and interest but have not dropped the charge.
Product: Money transfer, virtual currency, or money service

I believe that New American funding is holding customers monies and delaying making payments in order to hold more money in their accounts so they can make more interest on a larger amount of money. My loan was supposed to fund on XX/XX/XXXX and they are still holding about {$11000.00} and doing nothing but making excuses for not sending the money to XXXX XXXX to pay off the my loan. They never sent a check as they said and they were supposed to do a wire transfer on Monday XX/XX/XXXX but that still hasn't happened. If they hold other customers funds and keep making more interest than they should, this is not right and I consider this theft. They have been holding my money for 20 days now and making interest on my money. I will never use this company again, this is the worst experience with a loan company that I have ever had. 


XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) There is absolutely no reason why a wire transfer can't be made, I'm tired of excuses. Please have your supervisor call me ASAP XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) Please. Let me know when that takes place. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 12 hours ago ) to XXXX I was never contacted today saying that the wire transfer had been taken care of. I just checked my XXXX XXXX account and I am really curious to hear what excuse you guys come up with. Someone call me ASAP and let 's get a supervisor on this call.
Product: Credit card

To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.
Product: Student loan

I attended XXXX XXXX in XXXX XXXX New Jersey and my program was XXXX. I attended school 2013 and i wanted to do the XXXX. I I found out in orentation that my program was changed to XXXX at the last moment I felt it was unfair because i really wanted billing andcoding I felt pressured in to the program I did not pick but i wanted new career for myself and thats whst the promise now i ccompleted program and the promise to help get me work and they were sending more than XXXX resume to the same employer which msde it hard for me to grt work. Now im broke no job and XXXX kids to care for i cant afford to pay loans back. I sent my resume to some companies i only got work at XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX I made a mortgage payment via the payment portal on the XXXX website. 
The payment was due XX/XX/2023. 
The payment should have broken down as follows : Principal & interest : XXXX Escrow : XXXX Additional principal : XXXX This is a simple payment made via the bank 's website payment portal. I didn't request anything out of the ordinary. 

The follow day the bak applied the entire payment to principal. 

This is the 5th time this has happened. 

I'm not sure why this bank insists on not applying payments properly, but it appears they are attempting to make me late on payments and default on the loan. I'm not sure what other conclusion can be drawn after continuing to make payments in a timely manner and continuing to have them misapplied. This is intentional. It is intentional fraud. It is intentional theft, and I will not STOP until Fifth Third bank is out of business.
Product: Credit reporting or other personal consumer reports

Transworld Systems appears as a collection account on my credit report with a status of open and a past due balance of {$660.00}. 
Due to the fact that a collection account should never reflect any open/past due balances and Ive never entered into any contract ( written nor verbal ) with this company, I am requesting to please have this account removed from all of my credit reports immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a secured Citibank Credit Card and was approved and submitted bank account information for the collateral. The {$200.00} deposit was debited from my account on XX/XX/XXXX and obtained an update the following week from " Application Status '' page that the card was mailed onXX/XX/XXXX and would be sent within 7 - 10 days. I called on XX/XX/2019 as I had not received the card asking that the card be expedited as I had not received the prior card. The representative initially told me that they could not expedite new card. I explained that the new card was never received and it was past the 10 days. I asked to speak to the supervisor and the rep placed me on a very long wait with just silence. I thought the call dropped and I called back and the system said that replacement card will be sent through express delivery. I called again today to obtain tracking number and the system states that the card was mailed on XX/XX/XXXX and will be delivered to my address XX/XX/XXXX. In speaking with the merchant rep, I was told the card was mailed through US mail even though your automated system says otherwise. 

I am frustrated as I had to be transferred to different departments and getting a run around for a card where I made a deposit on. I have been inconvenienced as I had to wait for about a month for this card. I satisfied the requirement to make the deposit while Citibank continues to give me misinformation. I am requesting remediation for the inconvenience.
Product: Mortgage

PNC Bank - We have banked with the same bank for several decades. About five years ago we obtained a home equity line of credit from PNC Bank. Recently, my husband and I requested an increase to our home equity line of credit because we were looking to purchase and move to a new primary residence. 

A couple years ago, my husband and I purchased a small house as a rental property. We also purchased a tiny condo up north around the same time. Both of these purchases were cash purchases. 

Now, we are trying to obtain a mortgage for a portion of the new primary residence that we intend to buy ( until we are able to sell our primary residence ). PNC has repeatedly asked for more and more documentation from us. ( more pay stubs, IRA account statements, insurance on all the dwellings, closing documents for purchase of the other properties, etc. ) Our loan officer at PNC recently went on medical leave. They claimed that they couldn't find much of the documentation that we already sent, so we sent it again. Now they are asking for the Master Deed for the COMPLEX where our condo is located. 

It just seems like they are asking for documents that are inappropriate for the size of the loan that we are taking out. ( Our IRAs would more than cover the entire cost of the loan amount ). They told us yesterday that we probably won't make our closing date which is three weeks away. We started this process a month and a half ago! 

We told them that we are thinking of not borrowing at all from PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2021 i still am not able to get a copy of my credit report from transunion. i have been using the XXXX XXXX XXXX option and been getting my free reports each week. but now all the sudden transunion is saying that i submitted a dispute on XXXX which i dont recall and that since the dispute is in progress that i cannnot access a new credit report or any credit report until the dispute is completed which is obviously XXXX days. thats not right i have never heard of that nor has any othe credit bureaus dont that. so then u obviously dont get access to your report once a week. the last tyime i requested a report was XXXX XXXX.
Product: Debt collection

Commonwealth Financial Systems is attempting to collect a debt that does not belong to me, while also violating HIPPA laws by obtaining my CONFIDENTIAL medical records. I NEVER signed a contract with Commonwealth Financial System, nor did I give XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX permission to release/sell my personal, CONFIDENTIAL medical records to a third party. 

Commonwealth Financial System needs to delete this alleged debt from all credit reporting agencies NOW, and not return, or sell this alleged debt back to the original creditors or a different collection agency. 

Service Date XX/XX/2016 XXXX Ref # : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I Am a Victim of identity Theft How can I be in XXXX And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was XXXX  AT THE TIME ... ....
Product: Checking or savings account

Citizens Access Bank just closed my account today with an email and no information about the closure. {$20000.00} in funds are in my account. They have provided me with a check or invoice. They sent a document in my notices saying there was {$14000.00} available. The following business day Citizens blocked access to the account without giving me information on the account restriction either. I had my call escalated to a supervisor named XXXX and she disconnected the call as she gave me told me she had no idea why the account was closed. This service is outrageous and terrible.
Product: Credit reporting or other personal consumer reports

there are five hard inquiries on my report that i did not authorize for credit cards and a car lot
Product: Checking or savings account

On XX/XX/2020, I received a letter from BB & T notifying me that my checking account will be closed and the remaining balance will be refunded to me via mail. I think it is good since I am going to a state that does not have a BB & T branch. 

In XXXX and XXXX, I received the statement of the checking that should be closed and found I was charged about {$10.00} every month for maintenance fee or low balance. 

I immediately called BB & T about this issue. However, all the representatives told that they are unable to do with this, and gave me the number of fraud department and branches. I tried to call those numbers and just went cycle between these three departments. Or the representatives required me to go to a branch. But I am in a state that does not have a BB & T branch. 

Really tired. I spent tons of hours on phone calls, every month when I received the terrible statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 I S C  1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt or credit management

They deducted {$1600.00} because someone lied to them and told them I committed fraud when all along the transaction was authorized but cash app took my money just because someone told them i committed fraud
Product: Debt collection

Portfolio recovery, a known front for scams internationally is continuously claiming a debt that I do not owe. Through many requests they have failed to prove the debt is mine, and refuse to remove the false charge.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XX/XX/ and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the Chase Explorer MileagePlus card based on a direct mail promotion that required {$2000.00} in spend for XXXX bonus miles. Instead they gave me a different offer that required {$3000.00} in spend which I didn't meet in the time frame. I wasn't instantly approved, it took longer than expected to receive the card. 

I spoke with XXXX ( a supervisor ) on XXXX and she told me the request for adjustment would take XXXX  days or so. Took much longer to hear from them. It took until XX/XX/XXXX to receive the answer they would not meet the terms of the offer I applied for. 

I escalated to XXXX in XXXX, MO, her leader XXXX XXXX also in XXXX, MO and XXXX XXXX in XXXX complaints ( XXXX XXXX ) after receiving the letter. 

My invitation number was XXXX. I need to apply by XX/XX/2022, which I did. The code above my name XXXX Since I met the requirements for the offer I applied for, I am requesting that the bonus miles be applied.
Product: Checking or savings account

I lost my debt card at gas station this morning between XXXX to XXXX I use my card to get gas at XXXX XXXXXXXX went home and went to sleep woke up and realized my card and wallet was missing and received and alert saying my card was used to take {$3500.00} from an Wells Fargo bank atm machine
Product: Student loan

I experienced all the issues relating to this lawsuit. Mishandling of my student loan account when it came down to loan forgiveness and affordable payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  Acct XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.S.C 1681 Section 604 A Secion 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting

The XXXX account XXXX on my credit report should be reporting as " paid '' on my credit report according to XXXX. XXXX informed me this is an issue I need to resolve with the credit bureau directly. XXXX and XXXX are both reporting it correctly. Equifax is reporting as " derogatory ''.
Product: Mortgage

I pay my mortgage through a company out of California, Seterus. I fell behind after a forced retirement, eventually Seterus sent me a modified payment offer, I was told in the documentation as long as I made three consistent modified payments my payment would be the same lower amount for the remainder of the loan. After the third payment Seterus now shows me three months behind with none of the previous three payments being applied to principle or interest. 
I believe I was scammed under the assumption my payments would be up to date after the three lower payments. I am now 90+ days behind on my mortgage, Had I not taken to the scam, I would only be one month behind or caught up by now on payments. At the very least I would have made three full, regular, payments in lieu of three smaller payments. 
Seterus knows I can not afford an attorney for a law suit. What are my options? 

Thank you for your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding their failure to resolve an inaccuracy on my credit report following my dispute submission. 

On XX/XX/XXXX, I submitted a dispute to Experian through the XXXX XXXX XXXX, requesting an investigation into an item in the XXXX XXXX section of my credit report : XXXX XXXXXXXX XXXX XXXX  XXXX Identification Number XXXX. Despite my efforts, I received a response back from Experian with investigation results dated XX/XX/XXXX, stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' However, I believe Experian 's investigation was insufficient. It is my understanding that the Public Records section may include items obtained through third-party vendors, such as XXXX XXXX XXXX XXXX XXXX To verify this item, I contacted XXXX on XX/XX/XXXX, but did not receive a response with investigation results. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting detailed information regarding the reinvestigation procedure, as outlined in 15 U.S.C. 1681i ( b ) ( 7 ), for the disputed item : XXXX XXXX XXXX XXXX  XXXX Identification Number XXXX. Specifically, I request the following information : 1. The Date You Contacted the Creditor/Furnisher : Please provide the specific date on which you initiated contact with the creditor regarding the disputed item.

2. Contact Information for the Creditor/Furnisher : Furnish the complete contact information for the creditor, including their business name, address, and any available telephone numbers.

3. Name of the Person Who Verified the Item : Provide the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

4. Method of Communication Used to Verify Information : Specify the method ( s ) through which you communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). 
XXXX. Did the Creditor Provide SSN, Address, and Date of Birth? : Confirm whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.

Enclosed, please find a copy of the dispute letter sent to Experian, along with Experians investigation results for reference. Additionally, I am providing a copy of the dispute letter mailed to XXXX as additional evidence of my attempts to address this matter directly.
Product: Checking or savings account

XX/XX/2022 XXXXwith some change was has been taken out of my card i don't use you i i don't know why you keep taking my money XXXX i want my money back thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Debt collection

XXXX XXXX XXXX has been reporting that I owe {$7700.00} on my credit report however, I am aware that any debt collector company that does not have a surety bond in Texas do not have the legal right to collect or report a debt the credit bureau.
Product: Credit card or prepaid card

In accordance with the Fair Credit Report Act XXXX XXXX has violated my rights. Allowing a late payment reporting on XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONE XXXX XXXX XXXX ACCOUNT INACCURATELY AND FRAUDULENTLY IS REPORTING UNDER MY NAME AND WITH IN THE EQUIFAX CREDIT REPORTING AGENCY. 
I HAVE TRIED TO DISPUTE AND REMOVE THIS INACCURACY BUT EQUIFAX HAS BEEN VERY MUCH STUBBORN AND IMPOLITE IN THIS MATTER AND HAS TAKEN ME MORE THAN A YEAR TO DEAL WITH SUCH STRESSFUL MATTER, I HAVE FOUND OUT FROM ONE MY FRIENDS THAT YOU WOULD BE ABLE TO HELP ME I DO NOT HAVE THE MONEY TO TAKE A LAWYER AND SUE THEM, HONESTLY I HAVE A XXXX XXXX  XXXX THAT I AM NOT EVE ABLE TO BE STRESSED OR ELSE IT CAN GET WORST. PLEASE HELP ME, YOU R ARE MY LAST HOPE. 
THANK YOU, I WILL BE ATTACHING THE FTC REPORT AND THE POLICE REPORT
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!
Product: Debt collection

P & B Capital Group , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : You had an account with XXXX, XXXX I do not owe debt to this company P & B Capital Group. This company email and text message me weekly! 

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.