23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost m y credit score to p lummet substantially. They have as of today  XXXX   XXXX ,2017 removed my  XXXX  , American Express,   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all the Data Furnishers and they have all re-reported the accounts and   XXXX   has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken ca r of ASAP .
Product: Credit reporting or other personal consumer reports

According to the 15 U.S.C 1681 law, there should be no damages on my report. I am in the process of buying a house and this is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know this account XXXX XXXX XXXXXXXX. I am wondering why it end up under my name. This is ridiculous and incorrect.
Product: Checking or savings account

I was supposed to receive an account opening bonus of {$400.00} several weeks ago after meeting all stated criteria. After reporting this issue to PNC on XX/XX/2023 by chat, they opened a ticket ( XXXX ) with their research team and asked me to check back in 3 weeks. When I checked back in 3 weeks later, I was given confusing and incomplete information by their chat agent, XXXX, who re-asked for the same information and re-raised a request despite me asking her not to. I wanted an update on the reference that was raised weeks ago, and she continued to ask for the same information provided weeks ago. I do not feel comfortable with how PNC has handled this- if there was an issue with reference XXXX, they should have reached out to me, and they should have reviewed the original request to see that all information was provided. At this point, PNC has not handled crediting my account for this promotion or communicating with me properly regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX 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.

This account a fraudulent account, I don't owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living human being this is not a duplicate I am a living human being this is not a duplicate my name is XXXX XXXX I'm a living human being with all the rights awarded to me by the fcra and the Federal tax act this complaint is lodged against experian Experian. On one of my accounts on my credit report Experian has fraudulently placed a statement by the consumer on this account I repeat they have illegally placed a consumer statement on my credit report on this account the account being XXXX XXXX I have disputed this account many times they got tired of listening to me and they placed illegally placed illegal in a civil court and in a criminal court to place something on my documentation saying that I said it and I did not say it I never asked them to put a statement down there and it is against the law for them to do so without my permission they have stated that I didn't know about a 15-day rule or something like that and I I never asked them to place a statement on my credit report never I am going to contact law enforcement criminally if it is not removed and the account is not deleted that is an illegal move they made you're never supposed to speak for the consumer I never asked them to do anything of the such
Product: Bank account or service

The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to unfreeze my Equifax Credit Report so I can get my mortgage refinanced. I tried all the avenues provided by Equifax - by automated phone and by website. When I used the automated phone line, I get to the very end and I get a message saying no person can assist me but there is no clear explanation why. When I tried the website, I get the same response. After 6 unsuccessful tries on the phone and 6 unsuccessful attempts on the website, I found a phone number where I was able to talk to a human. However, each time I called and explained my predicament, and after explaining that I have already tried the website and automated phone options, I still get sent to the automated phone option and none of the live customer service people can offer an alternative. I had 4 live person treat me the same way and the last one hung up before I could finish what I was saying. I had no difficulty in unfreezing my XXXX  and XXXX  accounts on the first try. Please call me at XXXX XXXX XXXX XXXX if you have any questions.
Product: Credit card or prepaid card

I had originally signed up for an American Express XXXX  card. Because of the pandemic, I downgraded my card to an American Express XXXX  card. I am charged annually for both cards. 

One of the reasons I obtain the American Express credit card is so that I will not be charged a foreign transaction fee. There are many credit card consultants touting the benefits of having no foreign transaction fee as an outstanding feature of American Express credit cards, including the Amex XXXX card I have. Here is a link to one such expert published on XX/XX/2021 : https : XXXX When I downgraded my card from XXXX  to XXXX, I was not informed that I would lose the XXXX  foreign transaction fee privilege. My understanding was that such privilege would continue. However, four days ago, I found out that I was charged {$730.00} by American Express in foreign transaction fees. 

Thus, I was misled by the American Express company to believe that I had retained the XXXX foreign transaction fee benefit by downgrading XXXX to XXXX. Had I known I was going to be charged 2.7 % for the transaction, I could've used my XXXX XXXX card, which had XXXX foreign transaction fees. The practice of the American Express Company is deceptive and their agents lured me to keep their " travel card '' during the pandemic ( when travel is not possible ) so they can hit me with exorbitant service fees at the right moment.
Product: Checking or savings account

All of our business accounts held at Chase bank have been frozen as of XXXX. A letter was received by one of the account holders requesting a review of their information to verify social security etc. The account holder contacted the number on the letter and verified the information and was informed our business accounts are in good status. We attempted to use our debit card and it was declined on XXXX. We then tried to transfer money between accounts and discovered we were locked out of all 4 of our business accounts with Chase bank. On XXXX we went to our local branch of Chase bank with the issue. I became aware that this was done under the premise of the Know Your Customer law. XXXX XXXX XXXX has held our business accounts with Chase bank upon our formation 10 years ago and we provided identification verification on XXXX. We were informed that it would take 48 hours to remove the freeze from our account. As of XXXX XXXX  on Friday XXXX our local branch manager contacted me after I had contacted her earlier that day as the accounts were still frozen. She was informed that Chase has a backlog to review and verify what was submitted and our account may be frozen for 2 more days. We are a small women owned accounting and bookkeeping firm that is now unable to pay our vendors, our employees and ourselves and at the mercy of this large bank.
Product: Debt collection

XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 To whom it may concern I am not satisfied with the company response for the following reasons I had addressed this issue in the past with XXXX XXXX XXXX I have sent notice this certified mailed to the company the company refused by sending letters by denying my negotiable instrument my intention was always to stay in honor when I am aware of this fraud the company still dissatisfied and decided to put the consumer in a stressful position by selling the information to resurgent capital this is a violation my understanding to this violation that there are rules and regulations they need to follow 15 U.S. Code 1666 - Correction of billing errors to my understanding XXXX XXXX XXXX never conducted an investigation neither provided documentations on how they conducted this investigation and instead it proceeded to sell my information to resurgent capital which now is sending threatening letters to the consumer which this is another violation15 U.S. Code 1692d - Harassment or abuse. Resurgent capital is posting negative remarks. on my consumer credit report in a very high balance which I believe is false I am holding accountable XXXX XXXX XXXX XXXX XXXX  for damages and for selling my information to research and capital 15 U.S. Code 1692k - Civil liability which XXXX XXXX XXXX never provided the wet signature contract information and the permissible purpose at the time I asked for verification XXXX XXXX XXXX did not have any recent to sell my information neither to collect any money when I was always stay in honor. as a consumer I consider this 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and since resurgent capital does not understand to cease and desist when asked by certified mail this law applies 18 U.S. Code 1341 - Frauds and swindles I was always trying to stay in honor I never deny paying.
Product: Credit card or prepaid card

as usual was using credit card. I had fine established credit and company ( XXXX ) put freeze on uses of card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just learning that this was available so I do not have dates. 

I contacted TransUnion ( via XXXX XXXX app ) to notify them that the information from one of my longest owned credit cards was incorrect. After submitting my claim a few months went by and the entire card was removed from my TransUnion credit report. XXXX XXXX provided know way for me to notify TransUnion of this error. 

I began calling TransUnion everyday for weeks where I kept reaching the first level of customer support and was informed that a note was made but they could not help me any further where I then asked to speak to a supervisor. Everytime, support would transfer me to someone and the phone would ring for hours until it would automatically hang up. 

I was never able to speak with anyone about the matter beyond the initial customer service agent. One of them informed me that when they remove a record from a report they also block the record from being updated on the report ( basically when the creditor reports to them about that card it is automatically rejected ). 

It has been some years since this occured and I lost hope on getting it corrected. I lost hope until I came across this website. 

The correct information appears on my XXXX credit report but not on my TransUnion report. I would really like for both reports to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give the companies below consent to access my credit report/profile! 

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Credence resource management continually called and also shared my personal information with someone other than myself. This is an account they received from XXXX   which was cancelled after 15 years because of them slowing bandspeeds on unlimited and causing us to have no service in XXXX XXXX. I called XXXX multiple times between XXXX & XXXX. XXXX agreed to adjust billing and never did, I then went with XXXX and ported all numbers. I will not negotiate with these loan sharks collectors and will persuit $ $ $ for sharing personal & confidential information by mail with My son. Get this off my credit report immediately!!!!!
Product: Checking or savings account

My small business, XXXX XXXX XXXX XXXX, has a merchant banking agreement with First Data entered into on XX/XX/2011. We no longer need their services, but they bill our checking account every month. I tried to call this company to stop the merchant banking services, but their phone numbers do not work, are no longer in service, are disconnected, or give automated responses and then hang up. I checked the internet for information about this company. All of the XXXX consumer reviews say the company is a scam. My XXXX virus protection says that even their website is a scam. How do I stop the payments to this company? Our bank says it can not stop the payments since they have a merchant banking agreement. I am not able to contact this company ; an internet site says that other scammed consumers are trying to initiate a class action suit for fraud. I just want to stop our payments to this company ; how can I do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I am submitting this complaint regarding TD Banks management of my XXXX XXXX account, which has resulted in unauthorized interest charges and a lack of transparency. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX using Samsungs financing option, managed by TD Bank. This purchase was made online, and I received no clear financial agreement or termsthere was no signed contract or agreement disclosed at the time of purchase. 

For over 18 months, I did not receive any statements, notifications, or documentation from TD Bank or XXXX describing the terms of my financing. In XX/XX/XXXX, I received my first statement, followed by another in XXXX, showing an unexpected balance of {$820.00} with a 29.99 % APR. I was never informed of this interest rate or that my financing agreement was allegedly for 18 months, as TD Bank claimed. I have no records of signing or agreeing to this XXXX term, either digitally or physically. 

Despite my numerous attempts to resolve this matter with TD Bank and escalating the issue to the XXXX XXXX XXXX, I have been met with no resolution. TD Bank has continued to apply unjustified and unethical interest charges to my balance, completely disregarding my efforts to correct their errors. Due to this ongoing unethical behavior and the failure of XXXX XXXX XXXX to protect their customers from these practices, I had no choice but to log into my TD Bank account and pay off the wrongful balance in full to stop the continuous financial harm. 

I am continuing to submit this complaint to request a reasonable and just refund of the unauthorized extra charges I paid, as well as compensation for the significant stress and hardship I have endured throughout this process. 

Furthermore, I have recently learned of TD Banks involvement in unethical practices, including violations of the Bank Secrecy Act and money laundering, which resulted in a {$1.00} XXXX penalty from the U.S. Department of the Treasurys XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). This further supports my concerns about TD Banks unethical behavior in my case. 

XXXX, Please review and compare the attached " Screenshot of My Monthly Statements ( Taken on XXXX ) '', which shows that only XXXX and XX/XX/XXXX statements were available at that time, with the modified version where TD Bank has since added XXXX, XXXX, and XXXX statements after I raised a complaint and provided them with the original screenshot. You can see this in the most recent attachment, " Screenshot of My Current Statements ( Taken on XXXX ) '', which clearly shows the addition of the XXXX, XXXX, and XXXX statements. This appears to be a deliberate attempt to retroactively justify the interest action taken in XXXX.
Product: Mortgage

XXXX XXXX acquired my VA home loan from XXXX sometime in 2017. Due to their flawed business practices and poor accounting, they failed to reconcile my home insurance information and proper property address from XXXX. Consequently, they took out an unauthorized and unnecessary insurance policy on my home which already had insurance through XXXX. 

XXXX sent the insurance policy by fax numerous times, their automated fax system failed to reconcile my insurance policy as well. I eventually provided the insurance policy from XXXX through an online portal on the XXXX XXXX website, but they already had the policy open for at least a month, resulting in at charge to my account of over {$170.00}. 

XXXX XXXX and their collection company XXXX ( XXXX XXXX XXXX ) have been harassing me by phone and mail to pay this additional amount and I refuse, because the policy was unnecessary and I never authorized it. It's their policy, and they should pay for it. I shouldn't be punished because they have flawed business practices and poor account management. I never authorized them to purchase my loan from XXXX and I wish they never had as it's an incompetent company. 

Please step in and protect me as XXXX XXXX has been unwilling to pay for the mistakes they made and I shouldn't have to pay my hard earned money to a crooked company.