23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed my TD bank XXXX Credit Card in XXXX. In XX/XX/XXXX I accidentally reactivated a subscription program with XXXX and they charged my old ( closed ) credit card on the account without my consent. Because I did not have any relationship with TD bank for years, I did not notice the charge until months later, by then they were already charging me an absurd amount in interest fees. Their phone customer service told me to go to a branch to get the fees removed. The bank employees told me to come back in XXXX different dates to talk to the manager. The manager didnt even care enough to understand my situation. Now Im trying to pay for fees in a cancelled credit card and their customer service number never answers the call, and when they do they keep transferring me and putting me on hold. Its the most absurd situation Ive seen in a long time. Ive already spent countless hours trying to solve the issue. Their employees are highly trained to sell but not to serve and help the customers.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 fraudulent charges were made on an authorized users Amex Platinum Business Account. Within 30 days, I the account owner reported the charges as fraud per the authorized user 's report that the card was lost and the charges were not valid. In between the dates of XXXX XXXX 2017 and XXXX XXXX 2017 I, the account owner, reported fraudulent charges based on the report that the authorized user never received the card in the mail. On XX/XX/XXXX Amex contacted me and stated that the charges did not look like fraud and that they needed a police report from the authorized user. I told the rep that I am the account owner and I will provide a police report that the charges are fraudulent. The rep said that was unacceptable and that the authorized user needed to provide a police report. I informed the rep that the authorized user was no longer asscociated with the business so it is not possible to compel the former authorized user to file a police report. Under the Fair Credit Billing Act my maximum liability is {$50.00}, but Amex is telling me that I am responsible for {$8600.00} in fraudulent charges that were promptly reported as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 reporting, credit repair services, or other personal consumer reports

SW CRDT SYS - They have accepted payment in full as negotiation of settling debt. The attachments to this complaint contain a {$1.00} money order front and back, and a screenshot on XXXX XXXX  showing they accepted the {$1.00} money order. They have refused to remove item off credit report and update my owed balance to {$0.00} even after processing payment.
Product: Vehicle loan or lease

I did a voluntary reposition do to the covid 19 pandemic I had lost myXXXX  An I was being charged when this car wasn't in my possession. An I being getting calls from different consumers.. An I would like to dispute this under the 15usc1692cc
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXXXXXX XXXX XXXX  ] 2. Account Name : XXXXXXXX XXXX XXXX Date Listed : XXXX XXXX XXXX This information is inaccurate for the following reasons : [ Explain briefly why you believe the information is incorrect, e.g., " I have no record of this account, '' " The balance reported is incorrect, '' or " This account was resolved on [ specific date ]. '' ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

For your reference, I have included the following documentation : [ A copy of my credit report highlighting the disputed item ] [ Any additional supporting documents relevant to this dispute ] Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been paying my mortgage always on time. Due to the Covid-19 I would like to refinance e see my options. I still am current with my mortgage. I have called during the past 1.1/2 months about 50 times. They answer and put me on hold. They answer and get my number and say that somebody will call me back, never do. 
I CAN NOT UNDERSTAND HOW COMPANIES LIKE THIS ARE IN BUSINESS. 
This is extreme and can drive anybody crazy. 
First I am going to try something legal, so I hope you can help, or else this is going to get very serious.
Product: Mortgage

M & T Bank, which acquired my mortgage from XXXX XXXX XXXX, will not decrease my monthly mortgage payments despite my on-time, correct-amount payments. I called the company to complain and its representatives could not coherently explain to me why my mortgage payments do not drop every month as payments did when mortgage holder was XXXX. Property in question is condo at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My name is XXXX XXXX.
Product: Credit card or prepaid card

Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.
Product: Checking or savings account

I stayed at the XXXX  XXXX XXXX in XXXX Indiana on XXXX XXXX XXXX and XXXX  XXXX XXXX in the month of XX/XX/year>. I stayed 2 weeks and was charged {$190.00}. Upon leaving my information had been stolen I was charged for another four consecutive weeks at {$350.00}. I've tried consistently to get this taken care of Key Bank has done nothing but closed that specific checking account and keeps telling me they will call me about it but they keep denying my claim. I've sent videos of the person in the act of stealing my information, as well as made a police report and a cfpb report. Nothing has happened I get transferred to somebody higher up at KeyBank and nothing ever happens. I'm promised to call back I've never received one I've had three interviews with their secretaries or assistance and they say the information will be passed on so I could receive a check because that account is closed and nothing ever happens not one call back. Initially I told them the first two charges were me and services were not rendered as advertised. They put that same excuse on all of the transactions even though I called several times and had it fixed and was told it was fixed but it was never fixed. I know this because the people when they read the dispute they tell me what it says and they tell me it says service is not rented as advertised for all six transactions but it's only for the first two and they say they'll fix it but they never do. I simply want my money back. I also do not want them to keep reporting that I have late fees and payments to the credit bureaus because it's hurting my credit score.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am an XXXX XXXX XXXX senior citizen. I am a XXXX XXXX XXXX. I recently went to purchase a automobile for my granddaughter at XXXX XXXX in XXXX XXXX, GA. I was completely misguided and it was a deliberate betrayal of trust. They never asked to see any proof of income or anything but pushed the loan through giving me an interest rate of 7 percent and a monthly car note of {$490.00}. They inflated the cost of a XXXX XXXX XXXX to {$33000.00}. I can not afford this! I am in the early stages of XXXX and I really did not have a full understanding of what I was signing. I feel that they took advantage of my vulnerability. I am on a fixed income and incapable of paying this loan therefore I am returning this car back to the dealership on XX/XX/XXXX and I do not want this on my credit report or any present or future ties to this purchase. I am requesting that the dealership purchase this loan from the lien holder which will release me from the fraudulent deal.
Product: Credit reporting or other personal consumer reports

Have previously requested a credit report online, which I never received. Sent a letter on XXXX XXXX requesting them to update my files and to send me a corrected copy. I have not heard from them. My understanding is they have 30 days to respond. 
They have not removed the collection notice from XXXX, which is XXXX  seven years old.
Product: Credit card

I applied for a XXXX XXXX XXXX card on or about XX/XX/year>. I have a XXXX  year fraud alert on my credit profile. US Bank did a hard credit check on my credit PRIOR to verifying my identity. They then failed to contact me by telephone at the number listed on my credit report. They claim they mailed a letter. On or about XX/XX/year> the above application was closed without my knowledge due to US Bank not being able to verify my identity. 

On XX/XX/year>, I re-applied for the same Cash+ Visa credit card, although this time I CALLED XXXX. I asked to speak with their fraud team. They said they needed to transfer me to underwriting, and I asked why. No response. Turns out US Bank wants to approve my credit line PRIOR to verifying my identity. When I stated that this is not how the fraud alert is to work, the rep said that's how they do things. I said how do you know I'm the one that applied for the card prior to sending for underwriting? They said, 'well you applied for this card, right? ' and I said " WHAT IF I DIDN'T?! ' This system is XXXX. US Bank must contact fraud alert consumers PRIOR TO ANY ACTION BEING TAKEN ON AN APPLICATION I demand an answer from US Bank XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2018 there were two fraudulent charges. One from XXXX and one from XXXX. XXXX reversed the one from XXXX. But refuses to reverse the XXXX payment. They claim it takes time to investigate.
Product: Debt collection

I got notification that I was being sue by Faloni Law Group, LLC. The letter states that XXXX XXXX XXXX is a client of Faloni Law Group. I am unaware of the alleged debt of XXXX and had requested debt validation on XX/XX/2024 from them. Haven't received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently decided that we wanted to purchase a home and knew we needed to pull copies of our credit report before starting. We both noticed items on our reports that shouldnt be there. We did our due diligence and researched consumer laws and our rights under the Fair Credit Reporting before starting. We mailed our disputes to XXXX, Transunion and XXXX. Our dispute letters both included our Drivers License and an Identifying piece of mail with our current address. Weve both recently received letters from Transunion stating that they will stop ANY efforts in addressing our disputes because they didnt think the letters came from us. Im an educated, professional African American woman who works in the medical field. What was it about me or my letter that would make them think Im incapable of writing it? Especially after including 2 forms of identification with my letter. Its obvious that they are clearly trying to discourage us from moving forward. I have no choice but to believe that after seeing a photo of me this is racially motivated. I understand my rights under The Fair Credit Reporting Act and know its their job to ensure what they report about me is accurate and fair. Stalling and hindering me from disputing is a direct violation of my rights. Im filing this complaint to bring attention to others about what Transunion is doing. We are considering a lawsuit next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting Experian, XXXX, Experian, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.
Product: Checking or savings account

I have a CD account ( XXXX ) opened in U.S. bank on XX/XX/XXXX with a initial deposit amount {$14000.00}. That CD was a XXXX CD with a interest rate about 4.80 %. 

That CD was matured on XX/XX/XXXX and I had ten days of grace period to decide next steps. I made a phone call to U.S. bank on XX/XX/XXXX to close the CD and redeem my money and interests. The agent whoever picked my phone call said to handle this. If everything went well, I should receive a check from U.S. bank within 7 business days.

However, I wait for more than 10 business days but received no check from U.S. bank. 
I checked my online CD account and found that that agent somehow renewed my CD on XX/XX/XXXX rather than closing it. And the renewed CD has a very low interest rate, 0.05 %. The renewed CD will mature on XX/XX/XXXX. 

I went to a local U.S. bank branch on XX/XX/XXXX to get my original CD 's money back. The banker from the branch said if I want to get my money back, I need to pay for a panelty fee becasue my renewed CD is not mature yet. I then made a phone call again in the branch to U.S. bank. The agent said she will close my account and send me a check without panelty. 

I waited for 10 more days, but the check was still not received. I found that the online account is still alive. 
I made a phone call to U.S. bank on XX/XX/XXXX to talk abou the whole issue. The agent said they will file an investigation case for this account and give me a solution within 15 business days. The case number is XXXX. 
From XXXX/XXXX/XXXX to XX/XX/XXXX, I made more phone calls to check the progress of the case and the agents tried all the ways to delay the responses. They said it many times that someone ( a manager ) will contact me later. But no one contacted me yet. 

The delay of the solution wasted my energy, time and income. If I can get the original CD amount back and I deposited it in another financial institution, I will earn more interests. In other words, the handle of U.S. bank costs my money to earn more.
Product: Student loan

Called EdFinancial about student loan refund on XX/XX/2022. 
EdFinancial said they would submit request for refund but would not provide confirmation email or timeline for when refund would be made to my checking account. 
I am not happy with lack of support from EdFinancial and unwillingness to provide confirmation of refund request and timeline to when i would receive refund.
Product: Debt collection

In late XXXX I canceled my service with XXXX. They billed me a month ahead even after I cancelled my service, and then charged me an early termination fee even though I was told by customer service that I was no longer under contract. I was then billed equipment fees. I received a collection that stated XXXX as the original creditor on my account in XXXX, and was unaware until I checked my credit report late XXXX. In XXXX, the first collection agency stopped collections efforts. Then Waypoint Resource Group became the debt collector for XXXX in XXXX. I asked for verification of the amount they sent, and they sent me bill statements that were false. The amount in the verification billing statements were false because they were reporting over {$1800.00} with charges past the cancellation period, while the XXXX billing amount online ( in my account ) was stated at about {$1100.00}. I have recently returned the equipment to get that amount removed from the amount due for collection. I am told the remaining balance, once those charges are removed, will be from a monthly charge and termination fee despite the details I explained above. The equipment costs have yet to be removed from the amount due, and I have the receipt for the equipment. I do not know what else to do, because XXXX is not working with me and Waypoint has sent false information as verification. I do not believe that I owe XXXX any more other than the equipment costs that I just returned. Please help me figure this out.
Product: Credit card or prepaid card

I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed XXXX XXXX account in XXXX of XXXX. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with Trans Union, XXXX, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over XXXX percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX XXXX. If you review my XX/XX/2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as TransUnion and XXXX and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a account from XXXX XXXX XXXX  XXXX account number XXXX its reporting on my credit report on XXXX as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX  double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX  should delete this account from my credit report and make this right.