23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). 
When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. 

Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a charge of {$430.00} that came onto my credit report from Jefferson Capital Systems. My social security was compromised and someone made an account and charged that amount to XXXX which is a buy now, pay later company. I was not able to see this on my credit report until very recently when I got an alert from XXXXXXXX XXXX My payments are always made on time so this was shocking for me. I have spoken and worked with XXXX - XXXX XXXX - Restoration Specialist to resolve this matter. We have called Jefferson Capital Systems to report fraud/identity theft. My case number with XXXX XXXX XXXX XXXX is # XXXX. Thank you.
Product: Credit card or prepaid card

Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}. 

I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi. 

On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.

I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account. 

This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here isthe list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, Paypal suddenly taken entire funds from our account. Totalling US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previously we were selling digital items on paypal. Until on XX/XX/XXXX they stated we " can no longger do business on their platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), or in other words being permanently limited, in which they also stated remaining balance will be hold " for the moment '' and will be available for withdrawal " after 180 days '' ( XXXX XXXX ) Waited quite some time, we finally received notification email from them on XX/XX/XXXX saying the funds status are now " eligible for withdrawal '' ( XXXX XXXX ), in which we tried to withdraw but always failed. We keep getting " there's a problem with your account '' error Knowing that we have been " eligible '' but still unable to withdraw, we tried contacting paypal through their support chat in which they replied will escalate the situation ( if we remember correctly- as the message sent and received there get cleared soon enough ), yet after more waiting and several times trying, we still unable to access the funds Then, on XX/XX/XXXX, all of sudden we got ANOTHER EXACT SAME email saying that we " can no longer do business on paypal '' ( XXXX XXXX ), which is weird as we've received got this same message before. How could account that have been closed, got closed again? No way we have to wait another 180 days. Sending to support ticket, few days later on XX/XX/XXXX got email saying the funds are now " eligible for withdrawal '' ( XXXX XXXX ), yet again and again, still unable to perform the actual withdrawal Our peak disappointment happen during that XX/XX/XXXX when they decided to just flush away our funds like that. We've tried to do the right thing by refunded all those who disputed the transaction, and yet paypal still took our {$25000.00} under nonsense " XXXX XXXX '', which we think unfair. If, we indeed did damage to paypal other than what has been refunded, the fair resolution would be taking that equal sums ( then showed us refunded to which customers so we can address to them personally ), and not ENTIRE ONE!
Product: Credit card or prepaid card

We purchased airline tickets with Amex XXXX. Due to XXXX we had to cancel the flight. On XX/XX/XXXX we cancelled the flight. When cancelling the flight Amex representative told us we would be refunded our {$6600.00} to our card. Additionally they sent an email on XX/XX/XXXX that shows it will be refunded to the card with 45 days. 

On XX/XX/XXXX I followed up to find out the status of the credit. Amex is now claiming they never said it would be credited to account. They stated they would review the call and provided case number XXXX. We have called now multiple times to follow up on the status of this case. Originally they said that review would be done in 7-15 days. We are now over 40 days and they still have not reviewed the call. We have emailed and called repeatedly and they all end in dead end calls where they say they can do nothing. 

Please assist as this is a significant amount of money promised to be returned both verbally and in an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account ( list account and account number ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that US BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, personal loan, or advance loan

Good morning, This complaint is concerning Affirm and took place on XX/XX/year>. I wish I had known about this sooner but I just saw the story regarding the court ruling. Is this retroactive to a filing date? Please include my email or any information in the public comment currently being collected. I am happy to discuss this further or even provide comments in person should it help in any way. 

My wife and I booked a XXXX stay for our XXXX anniversary in Florida with our kids. A little over one week prior to check in my wife and I contracted XXXX. We contacted the XXXX host and advised them of our situation. We were advised that we could reschedule for a future stay by the hose. Based on our documented comment from the XXXX hose we cancelled with XXXX online. We then recontacted the XXXX host regarding rescheduling and never heard from the host again. Since the XXXX host offered the future stay but was obviously avoiding us we contacted XXXX to continue with our scheduled reservation for our adult children. This was well before the scheduled check in. XXXX directed us to the host who has never replied to us since the documented offer of a future stay. 

On XX/XX/year> we filed a dispute with Affirm for load ID # XXXX since the service was never delivered and the host quit communicating with us prior to our scheduled check in date. We were still charged cleaning fees and Florida resort taxes even though we were never there. After providing documentation, timelines and several communications with Affirm we were still required to pay {$5700.00} for a service we had never received. Affirm denied our dispute on XX/XX/year>. 


Thank you so much, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXXN XXXX {$18000.00} XXXX XXXX   XXXX  XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT ED/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$320.00} DEPTEDXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt yet is on my credit report I am a victim of identity theft. I currently am dealing with having to file complaints against the 3 credit bureaus for allowing and continuing to allow incorrect and false information to be placed on my report. I live in XXXX this credit agencies refuse to provide me with proof of how they verified this account. This agency is licensed in XXXX  and should not be reporting a past due balance on a collection account that does not belong to me on my credit report. How can a collection have a collection on an open account that is past due? They should find the party responsible and ruin their life not mine. I'm sure who ever sold this debt to them has written it off so they should try to have that company provide them with the correct debtors information. This needs to be removed permanently and immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a loan through credit acceptance. Come to find out my down payment never came off the price of the car. Car broke down and theyve been reporting the loan as open for almost four years.
Product: Debt collection

XXXX XXXX : XXXX XXXX/XXXX/XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX on XX/XX/XXXX. These accounts appear have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report 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 # XXXX 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, credit repair services, or other personal consumer reports

Company A - Bank of America - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. 

Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Product: Credit reporting or other personal consumer reports

A data breach at XXXX XXXX, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced byXXXX XXXX XXXXXXXX An unauthorized party apparently a ransomware group known asXXXX accessed the customers ' information through XXXX XXXXXXXX XXXX  system, notXXXX XXXX XXXX XXXX according toa letterXXXX XXXX sent to affected customers, publishedby Maine 's attorney general.XXXX XXXX XXXXprovided standard two-year identity theft protection to the affected customers. 

The breach occurred XXXX XXXX, according to the letter, and XXXXXXXX XXXX notifiedXXXX XXXX XXXXabout the breach on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

After being discharged from bankruptcy on  XX/XX/XXXX  . This particular law firm that harassed me all through the process was able to go back to the courts and claim that they have tried to reach me through mail and had sent the marshals to serve me all in the months of  XX/XX/XXXX   thru   XX/XX/XXXX  . None of which is true. I have lived in the same complex since   XX/XX/XXXX  . They claim is I owe {$1400.00} for a apartment where I once lived. This was in my bankruptcy. They have contacted me back then through different agencies. So since they made claim that they tried to contact me, they were able to have a Judge place a judgment lien on me. I only learned of these actions through a credit monitoring account I have. By the time I found this out it was too late. How ever I did reach out to the firm that represented me before and was told that he would try an get to the bottom of this and get it straightened out. But I have had no response from him. My rights have been so violated. I went thru all the steps required in my bankruptcy, and still this firm who has no regard for my rights have gone after me under cover and won..!!! What do I do..??
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights 15 U.S.C. 1681 # XXXX XXXX XXXX  ( XX/XX/19 ) # XXXX XXXX XXXX ( XX/XX/19 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an Affadvit to Experian via certified mail on XX/XX/2021 pointing out the inconsistent information with 3 accounts reporting on my credit report. I provided copies of my credit report showing the errors that they were reporting. They received this packet on XX/XX/2021 per USPS tracking : XXXX. They responded back to me via digital response through their app on XX/XX/2021 saying the accounts were verified as accurate. I sent another letter certified mail on XX/XX/2021 asking them to provide me with the documentation and methods of verification which I have a right to obtain per the FCRA. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded virtually again stating the account was verified, again not providing the requested information of verification methods. I wrote a final letter and sent it certified mail again on XX/XX/2021 making a final goodwill attempt to receive the requested information of methods of verification or deletion of the invalid information. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded to me again virtually just saying the information was verified and not providing me the information I requested for. I am filing this complaint as they are not complying with the FCRA and they are reporting invalid information to my credit report that must be deleted per the FCRA. Please see the documentation below including information I provided from my credit report of the invalid information.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent inquiries appearing on my credit report. I am a victim of identity theft resulting from a data breach, and the following unauthorized credit inquiries were made without my consent : Inquiry Name : XXXXXXXX XXXX XXXXXXXX o Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Name : XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw a balance for the account for XXXX. This debt has been officially cancelled per the IRS. See attached. This account should be updated to reflect a XXXX balance.
Product: Debt collection

Transworld Systems , Inc. ( TSI ) is a debt collector for XXXX XXXX ( XXXX ). They claim our XXXX  owes XXXX {$110.00} for services on XX/XX/XXXX at a building we sold to others on XX/XX/XXXX. Long before XX/XX/XXXX, on several occasions, I called XXXX and told their representatives about the sale. Following receipt of a debt collection mailing from XXXX, I have written a letter in response which will be mailed today, XX/XX/XXXX. A copy of that letter and a cover letter are being sent to XXXX, also to be mailed today. In spite of my messages to XXXX that we no longer own the building, XXXX never refunded the unused portion of our XXXX 's annual payment for year XXXX. In the cover letter to XXXX, I requested a Refund of {$200.00} for the unused portion of the pre-payment for XXXX. I will be awaiting responses both from XXXX and XXXX but I request that you contact both companies and report this complaint. Thank you. Attached are several documents concerning the above information.