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

On XX/XX/2023 I was making a purchase through pottery barn. When going through the checkout process there was a an offer to open a credit card which could earn double the rewards on todays purchase or have promotional financing. I went to the more information page where it confirmed the details and then applied through capital one. I submitted the application and received an approval which stated " your new card is ready to use today. Your physical card will arrive in 7-10 business days but you can ship with your new card right away ''. However when attempting to use the new card by following the link to return to shopping the card wasn't there. I contacted pottery barn who said i would need to contact capital one. I called and the first person I spoke to said I could only do so if it has a virtual card and not all cards have that. He said I would need to check online. When I told him it didnt show anything I asked for a supervisor because it said I could use the card the same day but then after waiting on hold for a while he ended the call. I called back and the person I spoke to said you can't use the card the first day and would need to contact the pottery barn area. I was transferred and then was on the phone for almost an hour trying to figure it out. I was told that I can't use it the same day. I told them this is false marketing and advertising and not ok because I only opened the card to use it for that purchase and I wouldnt have opened the card if I would have had to wait 2 weeks to use it. She tried walking me through several different processes and none worked and then told me I was having issues with it. No, capital one was having issues and falsely advertising what the card could do. It is incredibly deceiving to tell someone to apply for a card for that purchase to get benefits and then not be able to use the card. The card also offers double rewards through pottery barn for the first 30 days but if I dont get my card for 2 weeks, half the time of that is wasted which is also false advertising. The person I spoke with reviewed with me exactly what their website said but didn't seem to care or be willing to just give me the card number so I could add it to the pottery barn account. After over an hour on the phone and multiple transfers all i was told is that the card couldn't do that. I have screenshots showing the approval with the exact verbaige from capital ones website as well as what pottery barn says at check out. Not only is the false advertising not ok but neither is the companys unwillingness to fix their own issue or act like they care.
Product: Credit card or prepaid card

I provide XXXX XXXX  and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. I don't know what else to do. Thank you for your attention to this matter
Product: Checking or savings account

In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.
Product: Credit reporting or other personal consumer reports

I wrote the company about the improper information being reported on my consumer report. The company has violated my consumer right by furnishing inaccurate information furnished by another company. 15 USC 1681 B2.
Product: Credit reporting or other personal consumer reports

im requesting a re-investiagtion on the following account XXXX Account # XXXX this account was sold and charged off XX/XX/year> to XXXX XXXX  XXXX Account # XXXX im requesting the following information : -Original creditor : -Current account owner : -Current balance : -Date of last payment :
Product: Money transfer, virtual currency, or money service

The person I've had problems with was a short time ; between XX/XX/2019 - XX/XX/2019. He's another person I had deals agreed to and after the services were agreed upon and completed, with payment, my money was taken from me through PayPal 's scammy Chargeback system. 
For this person my transactions were : XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$54.00} ( including country fees ) The main problem I have is with PayPal, this is the 2nd time within a year that I have had problems with them and their inconsistent system. I paid these people for services that were agreed upon before and then months after I'm magically having money taken away from my account. After contacting PayPal for months on end I kept getting the same, " We'll continue to look into your situation with no resolution ''.
Product: Debt collection

I have 2 collections accounts that have been reported by the hospital to a collections bureau when the accounts have all been satisfied and paid in full. On XXXX of 2019, I had a hospital visit. I received a bill in the mail for approx {$2400.00} and I began monthly payments immediately. Unbeknowst to me, their was a secondary bill from the hospitals XXXX  dept. I never received a bill from the hospital. A collections company called to collect a debt in the amount of {$530.00}. I informed the collections company that I was never made aware of this debt and had i received a bill or phone call, i would have paid i immediately. I paid the debt in full upon notice There is a second collections account in the amount of {$1500.00}. No dept in the hospital or otherwise have any notice of a debt in the {$1500.00}. Any and all debt owed to the hospital has since been paid in full. My credit has been drastically impacted by the inaction and unethical nature of these businesses. The hospital was XXXX XXXX in XXXX XXXX, they passed the debt to a collection company called AR Resource INC through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX is reporting an account on my XXXX, XXXX AND EQUIFAX consumer report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, XXXX, EQUIFAX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Credit companies are not giving credit out to people who deserve it. It is not fair I am being rejected credit when my XXXX XXXX is XXXX and I can't even obtain a store credit card. My own car dealership was like your credit is good, what are you so worried about? These companies are not using the same report or they are simply rejecting everyone credit. This is not fair to Americans who are trying to get ahead and are simply being rejected for generic reasons. I spoke with XXXX XXXX at Synchrony bank and she was of absolutely no help. These banks are not using the same credit reports that everyone else is
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # 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
Product: Debt collection

On XX/XX/2023, I called National Credit Adjuster about a XXXX collection item I had wanted to set up a payment plan to satisfy XXXX debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.
Product: Credit reporting or other personal consumer reports

I sent over the official FTC report for identity theft to Transunion, they didnt delete the information, I will send the official FTC report of identity theft in this document. I also will include valid identification documents my social security card and a utility bill with my name and address on it. Once they get this information they need to immediately delete and stop reporting this information. I will also include the reference number to FTC report so they can look into this as confirmation that its the official document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Experian, XXXX  or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.
Product: Credit reporting or other personal consumer reports

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXXXX/XX/XXXXXXXX recently took his life. Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Product: Mortgage

In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. 

I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. 

Please see the attached letter : Exhibits will follow by USPS.
Product: Debt collection

We were renting an apartment in XXXX, TN and endured a series of harassment, discrimination, abuse and deprived of simple basic necessities. I notified XXXX XXXX XX/XX/2022 I would be filing a complaint with HUD. On XX/XX/2022, I filed with HUD. HUD transferred the case to TN Human Rights Commission. I did my intake interview today and after discussing the circumstances of the case, she is directed it to an Investigator for Immediate Investigation. I spoke to lawyers who advised me since the landlord was in violation of TN state law for harassing me, we could leave the apartment without reprisal. I notified XXXX of this. 

On XX/XX/2022, we received notice from ProCollect that we owe those apartments {$13000.00}. Well, that is a first strike violation added to the case for violating Section 818. Now, ProCollect is going to be brought into the case and sued by us for violating our Rights under Section 818 since they should have known, they had been told that the action to file a claim was made and recorded and also responded by their client. This attempt is a violation of both State and Federal Laws under HUD Section 818. 

TN Human Rights Commission has this case. It is being assigned an investigator I was told today. 

Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. Tennessee Laws on Retaliation Landlords are prohibited from harassing or retaliating against tenants who exercise their legal rights. In Tennessee, the landlord must not terminate, refuse to renew a lease, or fine a tenant for complaining to the landlord regarding the deposit, complaining to a government agency, or exercising a legal right. 

HUD sent the complaint for investigation. With our evidence we have, we will win this case 100 %. 

Tennessee Human Rights Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported into my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX  van was sold to another buyer and they want me to still pay for it
Product: Mortgage

I have applied for a loan modification with Select Portfolio Servicing ( SPS ) in XXXX of XXXX and was approved. However the payment I was approved was {$10000.00} a month which I believe is egrecious and predatory. The loan amount is only {$580.00}. 
I'm not sure if the payment is so high due to race because I'm an XXXX or they are just trying to take my house. 
My wife and I both experienced covid and fell behind. We are now both back to work. 
I would like to work with them and work out a more affordable and reasonable payment. 
We would really like to stay in our house, Any assistance you can give in regards to this matter would be greatly appreciated.
Product: Debt collection

Alot of medical bills is on my report for last month and I haven't been to the doctor or hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

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

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.
Product: Debt or credit management

I would like all my credit cards in debt like clean I know my rights under the credit consumer act and I do not owe anything to anyone being a state national and it's not my fault the state of Missouri and their companies do not want to accept an endorse bill under section UCC section 3 I'm entitled to endorse my bill and they have to accept
Product: Credit card or prepaid card

I paid {$580.00} to pay off a credit card ending in XXXX. I already had a tremendous number of problems with this bank regarding fraud on previous accounts of which they mishandled and acted like XXXX. I can't even begin to explain or get into it. I literally spent months of time trying to rectify and make sense of the situation. Bottom line here is this ...... I paid {$580.00} ... ... ..4 yes four times {$580.00} to this piece of XXXX bank. I want proof they credited me back 3, yes 3 times because I only owed 1 time this piece of XXXX bank their money. All the smoke screens and fraud and cancelled accounts and all the XXXX in the world won't make me lose my focus. I called 100 plus times and tried to straighten this out to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges keep reappearing on my credit card and the company keeps adding days for me to wait for them to clear Everytime they clear they add the same charges again
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account XXXX XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.
Product: Credit reporting

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
The items XXXX XXXX and XXXX XXXX XXXX, are duplicates of the XXXX account being reported on my credit report. This double jeopardy '' The same account school loan account is reported multiple times, this is a FCRA violation. '' I am requesting that the items XXXX XXXX and XXXX XXXX XXXX be deleted ( or request another specific change ) to correct the information. 
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please re investigate these matters and delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Highlighted section of credit report that identifies the duplicate accounts