23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a charge on my debit card that was not authorized by me on XX/XX/year>. I called chase and was told that my card was hacked. They immediately canceled my card, issued me a new one and refunded the money back to my bank account in the amount of {$340.00}. A claim was opened, claim # : XXXX On XX/XX/year>, there was a claim reversal, reversal # XXXX in the amount of {$340.00} with a letter attached in my online documents stating, We found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. 
This charge was not authorized by me. I would not go through the trouble of calling, reporting the fraud and canceling my debit card for a charge done me. Customer service explained to me that the document provided my XXXX has my email address listed on it. That is not proof that I made the charge. That is proof that whoever somehow gained access to my card information, also had access to my email address. 
This is the second claim reversed by XXXX and I am tired of their false advertisement of Fraud Protection. I have been with them for MANY years and I refuse to be ignored.
Product: Checking or savings account

On XX/XX/2023, I engaged a company called XXXX XXXX XXXX located in XXXX XXXX XXXX  to relocate me to XXXX, TX. There was a deposit required in the amount of {$1200.00}. When the deposit was made, I was informed by the companys representative that I had 72 hours to cancel the contract. A few hours later, I was curious about the company. So, I looked up their service reviews and found the comments about their service and business to be horrible especially a review they received on XX/XX/2023. 

At approximately XXXX. On Saturday XX/XX/XXXX I called XXXX ( the representative ) 4 or 5 times on his cell number and I left him a voicemail to call me about their reviews. Additionally, I typed him a message stating I want to cancel the contract. And, given it had only been a couple of hours since the initiation of the contract, cancellation should not have been an issue. Moreover, I placed a message on the XXXX XXXX page to also cancel this contract. Of fact, is that XXXX repeatedly reassured me that if I wanted to cancel, I can cancel within the XXXX hour timeframe. 

Subsequently, I called PNC Bank the evening of XX/XX/XXXX and spoke to a customer service representative of the bank. I initiated this action because I wanted to ensure XXXX could not access monies in my checking account. I was assured in no uncertain terms by the representative that no monies would be taken from my account since I had called advising of the cancellation of the contract. 

However, on XX/XX/XXXX, I learned that PNC had honored a request from XXXX to pay the {$1200.00}. It is of note that at this juncture, I had only {$100.00} in my checking account. 
PNC arbitrarily accessed my savings account and took the money out of this account without my knowledge and my approval. Their actions placed my checking account in a delinquent status whereby I had to transfer {$1200.00} from my savings account so the account would not be negatively impacted. 

I initiated a Dispute Action through the bank in an effort to retrieve the money they transferred to XXXX but was advised that there is nothing they can do. And, therefore, I have lost {$1200.00}. 

I submit PNC Bank should not have honored the request because there were insufficient funds in my checking account. Furthermore, PNC Bank did not have my approval to transfer monies from my savings account to my checking account under any circumstances. 

To that end, PNC Bank operated in a manner that was prejudicial to my interests and subsequently placed my finances in a compromising position. 

I am a XXXX XXXX XXXX senior citizen on a fixed income and put my trust in my financial institution. I just want to be whole and I believe if the bank would have honored my request, this action would have never transpired. 

I feel taken advantage of for being talked into providing a deposit as well as PNC Bank not honoring my request. 

Thank You.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to remove this suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company ( Original Creditor : GMAC ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Equifax : XXXX # commission file number XXXX. Equifax is obligated by the FCRA to report accurate accounting. I have advised Equifax and numerous fraud specialists the charged off accounts, all late payments, and any non-account holding inquiries were fraud. Said company had XXXX days according to the law to remove such items. FTC, fraud reports was filed as a consumer and demanding Equifax to provide such documentation used to determine the remaining inquiries. Charge of late payments were made by the consumer like you said! Equifax has 15 days to provide me with the name of persons spoken to, documentation used, signed applications with wet ink signatures. Consumer is not asking for an XXXX report. If Equifax does not have the documentation with the form mentioned requirements to to show as a fact that these were authorized by the consumer, then it must be removed immediately! Said company is liable under the SEC to follow rules precisely. Equifax commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York. XXXX. I will be filing form XXXX treasury XXXX forms to audit my accounts. Equifax is secure consumers data, yet refuses to provide me and millions of other consumers a copy of the consumer file not the consumer report. Attached will be a detailed invoice with all violations amounts owed for each one supporting documentation. As well as proof of my information, my Social Security accounts, and other information being negligently handled during data breach along with detailed invoice with money orders to be payable to XXXX XXXX XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX  XXXX and account number:XXXX  XXXX
Product: Consumer Loan

The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with TransUnion concerning fraudulent information that continues to be inaccurately reported on my credit file. While I acknowledge that TransUnion has taken steps to delete some of the disputed items, it is disheartening and unjust that not all erroneous entries have been addressed. 

The delays and lack of transparency in the handling of my disputes have further exacerbated my XXXX  I have repeatedly requested verification that my disputes are being handled by qualified personnel and have asked for documentation, including : The name of the original creditor for each disputed account. 

The address and phone number of the original creditor for each disputed account. 

The name of the TransUnion representative who verified the dispute with the original creditor. 

The specific documentation used to verify the dispute with the original creditor. 

To date, TransUnion has failed to provide me with any original documentation, such as a consumer contract with my signature, as required under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, TransUnion has not provided the method of verification within the mandated timeframe.

Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly delete all information that can not be verified. It is evident that TransUnions handling of my disputes has not met these legal requirements, which may result in civil liability under Sections 616 and 617 of the FCRA.
Product: Debt collection

Portfolio recovery harasses me about 6 times a day. I block their number and they find all my numbers and repeatedly and rudely harass me about a debt. Ive asked them to stop and told them Im in the process of bankruptcy and have a lawyer for that. They wont listen and when I block their number they call back with another one.
Product: Credit reporting or other personal consumer reports

Attempted to request data from LexisNexis, received a letter that I could not be verified. Attempted to request again, no response after 2 months. Attempted to request again, website has shown various errors for the past 2 days.
Product: Mortgage

XXXX bank started a foreclosure procedure when we were finalizing a loan modification. As you can see from the attached I was on top of this loan modification from day XXXX. XXXX lost documents more than one time. This has been a disaster from day 1. Fifth Third has made error after error and now served us papers to the wrong address and embarrassed us in front of our friends staying there at our home and all our neighbors. Our credit and reputation has been destroyed and more. Our kids and we are getting calls saying our house is in foreclosure and do we want to sell. I have emails showing that I was waiting for them to help me with the proper dates of the first payment. I tried to make a payment and they would not accept it. Also now we had to hire an attorney which is difficult to afford. 

I truly hope you can help us!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I wired {$4900.00} from my XXXX  XXXX XXXX account to Citibank, using the following instructions, in an attempt to fund my trading account : Receiving Bank Information : CITIBANK, N.A XXXX XXXX XXXX, XXXX XXXX, United States, XXXX Beneficiary : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX However, unknown to me, the banking details for my broker changed on XX/XX/XXXX, the day before I sent the funds. So the money was received by Citi, but never allocated to my broker 's account. I was advised by my broker ( XXXX ) to have my bank recall the funds. 

I opened a ticket with XXXX XXXX XXXX to recall the funds from Citi. However, after numerous failed attempts to initiate the recall, due to no response from Citi, XXXX XXXXXXXX XXXX has closed the support ticket, advising me to file a police report against Citi and have law enforcement call their Global Financial Crimes Hotline. To date, I have not filed a police report and am hoping to instead resolve this matter through the CFPB Complaint resolution process.
Product: Credit reporting or other personal consumer reports

Ive been a victim of fraud and data breach and XXXX and experian has refused to investigate properly or remove incorrect items from my credit report and this is a violation to my rights I have sent them ftc, police, id, ss, affidavit data breach proof and these items still remain, Accounts, :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not mine Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or Compass Bank ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.
Product: Credit card or prepaid card

On XX/XX/2019 I signed up for a Capital One Savor One card, with an offer on the Capital One website for a {$500.00} bonus when you spend {$3000.00} within the first 3 months. I did spend over {$3000.00} in that time, and have been waiting for a notification that my bonus has been applied. It has now been 5 months so I called Capital One to ask about the bonus. They stated that a Savor One card offers only a {$150.00} bonus which had been added to my rewards balance, and that I must have been confusing the offer with the Savor card which offers a {$500.00} bonus. After researching the issue it was brought to my attention that there was an apparent " glitch '' in Capital One 's website offering the {$500.00} bonus for the Savor One card which I applied for. Capital One sent out emails to customers stating that they would be honoring the {$500.00} reward for customers affected by the glitch. I never received this email or the full bonus. I called Capital One again and they said again that I must have been confused with the Savor card, and that there was no such advertisement for the Savor One card, and have refused to honor the {$500.00} offer.
Product: Student loan

I have attempted to change my repayment schedule on my federal student loans thru Aidvantage several times. On the Aidvantage website, it says if you would like to exit SAVE repayment type and change to a new repayment schedule ( which is what I would like to do ), then you need to contact Aidvantage directly. I have sent Aidvantage two emails using the email provided prompt on their website stating the change I would like to make. My first email was sent on XX/XX/23 and I received an automatic reply stating that it was received and Id receive a response in two days. I never received a response. I sent a second email outlining the same request on XXXX, received an automatic response that my email was received and still have not seen a response. 
My first payment is due tomorrow under XXXX XXXX and I will NOT be paying it as Ive requested to change plans several times now.
Product: Checking or savings account

Several business Wells Fargo XXXX XXXX accounts of mine were charged excessive overdraft & insufficient funds fees over the last few years! Leading to account closure.
Product: Credit card

On XXXX XXXX XXXX I purchased theater tickets on a website that I thought was the official ticket agent of the theater. The company is XXXX XXXX XXXX XXXX, website XXXX. I purchased these on my American Express card, account ending in XXXX. The charge was {$250.00}. Transaction reference number XXXX. The purchase was 2 seats for a performance of XXXX, the musical. 

Once purchased I wanted to access the tickets to give as a gift - have something to print out. I was given no way to do this and tried to contact the company to ask. There was no way to get anyone on the phone, chat, email, etc. - zero customer service with this company. I even googled how to contact someone there. I feel this on purpose, they don't want anyone to be able to reach them. 

I opened a dispute with American Express immediately, on that very same day. I did so on the AMEX app and then feeling I wasn't able to fully describe the situation I called Amex customer service. The dispute as opened under 2 dispute numbers : XXXX and XXXX. 

I purchased other tickets for the event and felt confident AMEX would resolve the matter, given the lack methods to communicate with this sham merchant. 

Today, I found out Amex closed both disputes saying they were unable to investigate the charge, for me to contact the merchant directly. There is no one you can simply just contact at this " merchant. '' That was the issue from the get-go. 

I never received the dispute resolution letter from AMEX. It is not in my account when I look in the message folder, where it is suppose to be, if sent. 

I will pay disputed amount and not withhold funds to AMEX for this. Frankly, it's not about the amount of money, it's the principle of this merchant being disreputable and having no way to contact them, and in my view an unscrupulous merchant. I want to do what I can to stop this company from duping other. 

I've been a AMEX account holder since XXXX  and always paid on time and carry no balance. It is my go-to credit card as their customer service is typically top-notch and they are known to back you up if and purchases need to be disputed. The only other dispute I had, in XXXX, was easily resolved. I felt confident this one would be easily resolved as well, and was shocked when it wasn't.
Product: Student loan

Dealing with Navient has been incredibly stressful and difficult. Their staff is condescending. At one point during a call, I had to set guidelines on how to communicate with the representative because he was unprofessional. While this conduct was reported, nothing came of it. Yesterday, I called XXXX XXXX for advice. I found out that I would have qualified for a low income driven plan all this time, but Navient never offered me this option at all! They kept putting me to deferment until I wasn't eligible for anymore deferment. I've explained to them that I'm currently working part time and on gov. assistance. I also submitted a economic hardship application which they did nothing with it. So yesterday, I filed for consolidation with another service provider including with an income driven payment plan. Navient is irresponsible and took advantage of situation. They took advantage of a consumer who knew very little about her options and did not present any other options other than to forcibly collect debt. While i asked if there was any other way, they told me no. They have robbed me from my options and rights to know by withholding information such as the income driven payment plan.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA, XXXX Attn : Customer Relations Department Re : Request to describe method of verication To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Re : 1. There is some inaccurate information reporting. 
XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT. 
2. 15 U.S. CODE 1692K - XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692K - XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. There is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verication. I do not consent to E-OSCAR or any means of automated verication. 
Thank You, Sincerely, get these negative items off
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year>, I called trans union because I cant pull my credit report. Company told me that I am not allowed to. Company stated they are not sure why and could not give me a clear answer.