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

I opened a Dispute with Charles Schwab on XX/XX/2023. The Bank Provided me the Dispute Number XXXX in regards 2 transactions I had with the same merchant XXXX XXXX * One from XX/XX/2023, in which I am disputing ONE of the Items of the 4 Items I purchased " XXXX XXXX XXXX XXXX {$25.00} + Tax and Shipping ( around {$35.00} or more ). DUE TO DEFECTIVE/BROKEN PART. 
* 2nd Cancel Purchase I made on XX/XX/2023 for total amount of {$66.00}. 

Around the 2nd week of XXXX, I spoke with Bank 's Supervisor name XXXX to have escalate the refund for the cancel /Purchase done on XX/XX/2023, for the amount of {$65.00} for the fact I have not bought or have in possession the Item, I never received it she advised me there is an Investigator assigned to this Dispute case and it may take up to 90 days to resolve this issue, I explained her I could wait for the item broken/ defective Item I bought back in XX/XX/2023 but for the Cancel /Purchase order done on XX/XX/2023 I need my money back {$66.00} ASAP. 

Earlier Today I received an email from the Bank Denied me my Dispute and the copy of the Merchant response, as I read the 2 letters, I'm attaching in this inquire, It does not make the sense the respond from the Bank because is not addressing my Dispute for Only One Item Disputed, The Bank Response denial is base in the whole Purchase for the 4 Items I bought and about the Cancel Purchase done on XX/XX/2023 for the amount of {$66.00} the Bank does not mention anything in the denial response. I found their response totally unacceptable. 
I placed a phone call to the bank I spoke with XXXX explaining him my concerns due to the fact in the Dispute Denial letter does not addressed the 2 Disputes properly as I stated when I opened it on XX/XX/2023. 
I gave XXXX the Opportunity to resolve the issue about the Cancel/ Order for {$66.00} to put the amount back to my account and even I mentioned to collaborate the information I found in the merchant website, He couldn't Assist me, I advised him since is the second time I'm doing this inquire and nothing it's been disputed and resolved, I would file a Inquire with the CFPB to further investigate my Dispute. 

I'm attaching in this inquire It says in the ACTION REQUIRE BOX : " YOUR PAYMENT PROVIDER CANCEL A PAYMENT FROM THIS ORDER.PLEASE CLICK BELOW TO PAY THE BALANCE DUE ''. 
Down Below in the Box where it says Returns/Problems states : " THE CARRIER MADE A MISTAKE AND IS RETURNING YOUR PACKAGE WITH TRACKING NUMBER XXXX TO OUR WAREHOUSE WE ARE NOT ABLE TO ISSUE THE REFUND UNTIL YOUR BANK NOTIFIES US THE PAYMENT DISPUTE IS PERMANENTLY CLOSED ''. 

According with the first statement above if the Bank has cancelled the payment why the Bank can not put my funds back to my account? 
Why I have to wait 90 days for an Item that I never have it? the Amount of {$66.00} should be put back immediately in my account. 

Thats what I'm reporting at this time to have Bank properly do the Dispute according to what I reported them on XX/XX/2023, Same Statement I'm including here,
Product: Credit reporting or other personal consumer reports

I have a bank of America Credit card. I pay my credit card balance 3 days before the due date and the XXXX score displays delinquent payment thus they lowered my credit and XXXX score. I can prove my credit card was paid on time by submitting bank statements. They do this to only people of XXXX. I am being discriminated by bank of America refusing to report correct credit usage information and raise the credit score. I have no open loans on my credit, everything is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX  and asked that they update my information and remove this account, it has been paid out but still has a negative affect on my credit profile.
Product: Debt collection

Sales person knocked on our door at XXXX on a friday night- came back at XXXX on a saturday ( next day ). This is not permitted in our neighborhood. Told us they service 90 % of our community ( sounded bogus but as a new build community there are contractors that do in fact service a large portion of our community ; XXXX, however, does NOT ). Told me the products were organic, non-toxic and safe for pets and children. They lied to me. I saw this as soon as the first invoice receipt landed in our inbox with the products used and links to some of them including warnings that these products are NOT safe for children/pets and are toxic/cause cancer ( none are organic ). We moved to cancel our account and they have refused to get on the phone. Continuously emailed that a supervisor will call us and they did not. When we did get someone on the phone, they confirmed they cancelled our account, waived the cancellation fee due to misrepresentation/our experience and would reimburse the initial fee since we didn't have our full treatment yet ( they had not sprayed inside the home, only outside ). They did not reimburse within 10 business days as they promised. We disputed with XXXXXXXX XXXXk, we won. The initial {$200.00} is back in our account and monthly payments were stopped. They have now sent us to collections over this {$200.00} which we do not owe. We have XXXX dollars owed and NO account with them!
Product: Credit card

the aqcct has disability insurance but seventh avenue refusest aqctivate the insurance
Product: Credit reporting or other personal consumer reports

Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Student loan

My loans were transferred to MOHELA in XXXX, and since then there have been myriad concerns with how they have handled the PSLF process. On XX/XX/XXXX, I submitted an XXXX for an employer from late XXXX through early XXXX. That is still being processed ( it was labeled a duplicate though I had resubmitted this because there was an error on the original form ) and those have yet to be certified. On or about XX/XX/XXXX, I had a phone conversation with a MOHELA agent about those same payments, and was told that they would qualify and that she was going to adjust things on the backend to make sure that they counted. That has yet to happen, and those payments would have put me significantly over the 120 required payments. 

In any event, I had submitted an ECF from my current employer on XX/XX/XXXX of this year, and those payments would have allowed me to reach 120 payments even without the aforementioned payments that have yet to be counted. I also indicated that I wanted a forbearance while these were processed. Despite this, my account was debited in early XXXX, and despite additional written requests ( and a phone request on XX/XX/XXXX ), my account was once again debited this month.
Product: Debt collection

XXXX XXXX a collection notice was received to mine and my family members regarding a debt that is invalid. Started a year to year lease XX/XX/XXXX & expires XX/XX/XXXX & went Month to Month thru XX/XX/XXXX. A year later I received a collection amount for {$3500.00} for an early termination. I NEVER renewed nor signed for a XXXX  month lease, therefore, it automatically renews to a Month to Month Lease. The actions of XXXX XXXX XXXX is now resulting in negative consequences in the purchase of a home and negative credit information. I have repeatedly made phone calls to XXXX XXXX the property manger at said apartments to no avail in resolution to this matter. He repeatedly stated that " No one in his office will take accountability to wrong doing '' I have asked serveral times for XXXX XXXX XXXX to show me a signed XXXX  month lease for XXXX and he also stated he does not have one and the only thing for me to do is dispute it with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I verified that there are some debts in my name and also a lot of credit research carried out by me, however it was not me who did the research and I also did not do the debts, I am XXXX  and during this period I was in XXXX, so it would be impossible for me to have done so. So, I can prove that I was not in the United States when these things were done. This is really damaging my credit, as I was possibly the victim of some fraud.
Product: Debt collection

Back in and around XXXX or XXXX i was suppose attend school at XXXX  in Indiana so i was looking for an apartment. At the time i was XXXX XXXX XXXX not truly knowing how this apartment stuff work so i was applying at different apartments before i was approved for financial aid but i didnt get approved. One of the apartments was XXXX apartments in XXXX XXXX. I explain my situation to them and they told me that was fine and just sign some papers to hold the apartment just in case i got approved well i didnt so i never moved in the apartment. Years later i find out i have a debt to them for {$6400.00} for an apartment i never moved in which is causing me to be homeless now because its stopping me from getting my own place in my name as an true adult. I tried to reach out to them but no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out directly to XXXX XXXX XXXX and the consumer reporting agencies via certified mail to disputed inaccurate information being reported on my TransUnion and XXXX consumer reports.. I allowed the furnisher 30 days which is the time frame allow by law to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents Account number # XXXX. 
Account number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Checking or savings account

On XX/XX/2022 I visited a TD branch to open a checking account. The banker helping me asked me to write down my SSN. I refused, saying this constituted a privacy issue and a serious security risk to my personal information. The banker then asked me to giver her my SSN verbally so she could input it into the system. I agreed and gave her the number, and saw that my SSN was stored unobscured for anyone to see! I asked the banker if customer SSN information is available to ANY BANKER AT ANY TIME and was told that yes, SSN are NOT stored obscured or protected and that any banker could simply view a customer 's SSN at will. I cancelled the account application and returned the next day to speak with a manager who confirmed everything the banker had told me. In this day and age it is beyond belief that TD stores customer ID information and SSN information IN THE OPEN FOR ANY BANKER TO SEE. TD has more than 1000 branches in the US, staffed by 8-14 employees on average. That means anywhere from 8000 to 14000 employees can simply pull up a customer 's profile and take down their SSN and driver 's license, DOB and whatever other information. TD is exposing customers to identity theft! Other banks have small keypads available for customers to INPUT their SSN in PRIVACY without the banker knowing or seeing the # 's or perhaps just the last 4 digits.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to TransUnion and XXXX XX/XX/XXXX of XXXX  about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/year> in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXXXXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/year>XXXX XXXX  Partial Account # XXXX charge off date XX/XX/year> XXXX  Appliances partial account # XXXX Charge off date XX/XX/year> However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. In addition, I did not give TransUnion or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Refer to Complaint # XXXX
Product: Debt collection

Companys XXXX XXXX XXXX {$770.00} XX/XX/2023 XXXX XXXX XXXX {$470.00} XX/XX/2023 XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$420.00} Capital One {$500.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX {$0.00} XX/XX/2023 XXXXcapital/XXXX {$0.00} XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XX/XX/2023 For all of the companies above no action has been taken.

Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.
Product: Credit card or prepaid card

On XX/XX/2021, XXXX XXXX Credit Card put a late payment on my credit report. This is incorrect information. I never missed a payment on this credit card, I have been paying on time for more than 3 years and all payments were made on time. I completely payed off the balance of the card as well.
Product: Credit card or prepaid card

I disputed a transaction on XX/XX/XXXX with WELLS FARGO for the charge of {$780.00} from a merchant : XXXX XXXX XXXX XXXX. WELLS FARGO mishandled the dispute case and failed to refund the disputed claimed amount that was filed because of the poor service provided by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX from XXXX XXXX XXXX XXXX incorrectly diagnosed and suggested that water-heater at our house needs replacement. As we have home-warranty from a company name XXXX, they covered the Water-heater cost, but XXXX XXXX XXXX XXXX ( XXXX ) said there are extra cost of {$780.00} for pipes, valves, city code charges and side items. We agreed to get the job done and pay extra cost of {$780.00}, and appointment was scheduled on XX/XX/XXXX at XXXX XXXX CT. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX   arrived at our house and replaced the water-heater, my wife signed the paper after the job completed. We thought we would get hot water that day but didn't happened. Next day, my wife called XXXX XXXX XXXX XXXX   and XXXX ( plumber ) said wait for a day and see if it works. We waited for two days and still didn't get hot water. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX came at our house, researched the water-heater and piping in the basement and find out that water-heater was not the problem. XXXX diagnosed the problem ; hot and cold water was mixing inside the basement bathroom wall due to previously installed pipes in the bathroom. XXXX, with his apologetic and sincere voice said the truth and accept the fact that first plumber XXXX misdiagnosed the problem, the water-heater didn't needed replacement. 

We did not open the wall to fix the pipes because that was a big job but XXXX was nice to put a value outside the bathroom ceiling and disconnected water supply in the basement bathroom, so the water don't get mixed and the rest of the house gets hot water, a temporary fix. 

I called XXXXXXXX XXXX XXXX XXXX and talk to the owner but he was extremely rudely said he can not help us, and screamingly hung up the call. 

I disputed the transaction of {$780.00} with WELLS FARGO and the case processor investigated the case absolutely incorrectly. I am disputing 'the poor service ' provided by XXXX XXXX XXXX XXXX, and WELLS FARGO processor disputed a case as a problem with 'merchandise ' ; and rejected the claim based on the paper work provided by XXXXXXXX XXXX XXXX XXXX that they installed the water-heater and other material. 

This is simply a poor service provided by a plumbing company XXXX XXXX XXXX XXXX, they suggested to change a water-heater that was not supposed to be replaced. According to WELLS FARGO and VISA customer agreement, WELLS FARGO should fight to get the money back from merchant as we paid for something we didn't needed.
Product: Credit card or prepaid card

Since the crisis due to covid, I was only able to make partial payments on my account. But the high interest charges are too much to bear especially with the economic downfall and loss of income. I already paid my balance in full but the high interest charge remains. I called the credit card company and wouldn't give any consideration and says the interest charge was valid. 
Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows
Product: Debt collection

On XXXX XXXX, XXXX, USI Solutions XXXX XXXX XXXX XXXX ) contacted me regarding an alleged year XXXX {$540.00} XXXX debt. 

I advised a person identifying herself as XXXX XXXX and XXXX XXXX her supervisor -- in conversations minutes apart ( XXXX XXXX XXXX that I 'm aware of no such debt and they refused to provide a written statement. Instead, both XXXX and XXXX pressed me to pay the unknown debt. They stated they would report the debt as a refusal to pay to credit bureaus. I am aghast at their strong arm tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX