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

I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. 

I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. 

They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers.
Product: Credit card

On XX/XX/2024, I was charged a combined {$1700.00} for the illegal purchase of five digital software programs from XXXX XXXX via XXXX I discovered the purchases after I received emails from XXXX with download instructions. Once I discovered this, I immediately ( within an hour of receiving the emails ) called XXXXXXXX XXXX  and told them I was the victim of fraud and did not make these purchases. I asked them what further steps I should take and they said they would investigate. I then contacted my CC company ( the credit line/card is through XXXX XXXX XXXX  and reported the fraud. They closed the account, refunded the fraudulent purchases to my account, and opened a new account for my remaining balance of past legal purchases. At this point, I felt the issue was resolved. This was not the first time I had this sort of issue come up and it was always resolved in this manner. 

A month later, I noticed the charges were back on my CC statement. I inquired as to why this was and was told that their investigation concluded that I had made the purchases. I vehemently denied this and asked for another review. They sent out an affidavit where I provided this written description of what happened. They then removed the amount and opened the investigation. A month later, the charges were back again! They concluded the same thing. According to Synchrony Bank, this was because the software came to a 'certified email ' address so they assumed I had purchased it. I disputed this again and they said they would open another investigation. This has happened at least 3 times to date. 

As of today, I still have the fraudulent purchases on my account. I have made my last payment to Synchrony Bank for the properly purchased, legal items, on my account. So instead of celebrating a good Credit score, and a paid-off CC I am writing this as I will not pay any of the fraudulent money to the company. I am worried this will destroy my credit score ( the entire reason I went with a CC to begin with ) or that I will incur a large amount of late fees. I was never contacted by anyone looking for further information, it seems they just said, " Well it went to his email so he must have bought it. '' I was never given a copy of any of the reports.
Product: Mortgage

The PNC bank phone rep XXXX XXXX on XX/XX/2021 told me my Forbearance period had ended and I was not entitled to an additional extension period for my XXXX XXXX. 
She insisted I fill out an hardship application and wouldnt listen to my pleading for her to check the XXXX Forbearance XXXX month period allowed for my XXXX XXXX XXXX PNC should be held accountable for giving consumers inaccurate information with covid distressed customers. 
After a weekend of severe stress I called PNC back on Monday the XX/XX/XXXX and requested a supervisor as well as reporting this employees misinformation I was given .. this client service rep on the XXXX XXXX never heard of the CFPB and didnt know the XXXX XXXX month rules of forbearance either!!! 
But she put me on hold and came back with a XXXX day forbearance extension.. Please hold PNC accountable to have educated employees give correct information on the rules on the Forbearance period with XXXX XXXX!!! 
Im an elderly woman who has endured a loss of a career job, a texter hitting me and causing me to have XXXX surgeries and a year of PTherapy ... then my airline closed and loss of my employment.. We are having to sell our home this summer and needed the extension to finish preparing it for sale .. NEITHER PNC employees know the facts! 
Fortunately XXXX did put me on hold for XXXX minutes and checked ... my forbearance was extended XXXX days allowed by law ... but how many others are going to be given the XXXX I was told prior to XXXX? And experience all that stress because of employees lack of education??? Please hold PNC accountable!
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle from Highline Automotive. A XXXX XXXX XXXX. The sells rep XXXX told me I was approved for a loan. I paid XXXX down payment, paid XXXX $ for insurance, XXXX $ on registration and tags.We went over the contract and I signed it. I left the dealer excited about my new purchase. On XX/XX/XXXX, I received a call from the dealership telling me I had to bring the car back because bank didnt approve my loan. I called the bank to see why the loan wasnt approved. They told me that I was still approved, but since the dealership lied about the mileage on the car, they had to reduce the price of the car. I then call dealership back to see why they said I wasnt approved when I was. The sells rep XXXX got so defensive and told me if I didnt bring the car back they was coming to take it. On XX/XX/XXXX around XXXX I went outside and my car was gone. I called the dealership and the sells man told me I had 2 options. I could come get my stuff out the car or come sign a new contract. Something just didnt seem right. I started looking over the contract and seen that the loan was from the dealership not the bank. The contract was illegally broke. I wasnt even giving my 10 day notice by mail stating to return the car due to contract issue. I wasnt default on payments, cause I just got the car and bank did approve my loan but dealership didnt want to except terms. Therefore they had no legal right to break contract. Then when I asked for my original security notes and credit application back they said they sent them to the bank.
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report with XXXX and amount is for XXXX. I have sent XXXX XXXX XXXX debt validation on XXXX XXXX, 2017 and XXXX XXXX XXXX has not responded
Product: Debt collection

I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( XXXX ) XXXX and my cell # ( XXXX ) XXXX all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Quisiera una investigacin en todas mis tarjetas de crditos y de dbito y  aparte usaron mi tarjeta de edd  tengo varios problemas  con ellas 
please I need help XXXX XXXX
Product: Credit reporting

Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts which has been reported by XXXXXXXX XXXX  and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 6 months, These accounts are unknown, and no information was given regarding accounts that violate Unfair Deceptive Abusive Practices. Collection agencies and or Credit Bureaus have ignored investigations I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

Company : Experian Issue : Unlawfully Verified accounts I am writing to file a complaint against Experian regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with Experian, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX  : Account Number XXXX These accounts were opened as a result of identity theft during the Experian data breach in XXXX. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided Experian with a police report, a notification from Experian about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, Experian has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that Experian removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, no phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. No response has been given. I do not recognize this company.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. 

I kindly request that PayPal re-investigate my case thoroughly and consider restoring my account if the mistake is indeed identified. I have been a loyal and responsible PayPal user for a significant period of time, and this limitation has caused me great inconvenience and distress. 

It is of utmost importance to me to resolve this matter promptly, as my PayPal account plays a vital role in my daily financial transactions. I rely on it for various personal and professional purposes, including online purchases and receiving payments. The permanent limitation has disrupted my ability to carry out these essential activities. 

I humbly request that you provide me with an opportunity to present any additional information or clarification that may aid in the investigation. I am confident that a careful review of my account activity will confirm my compliance with PayPal 's policies and the absence of any wrongdoing. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask for your understanding and assistance in resolving this matter promptly. Your reconsideration and subsequent restoration of my account would be greatly appreciated. 

Thank you for your attention to this urgent matter. I trust that PayPal will conduct a fair and thorough investigation to rectify this misunderstanding.
Product: Checking or savings account

I have a 60-month CD ( Certificate of Deposit ) with First Tech Federal Credit Union XXXX I never agreed to roll over the CD once it matured, and did not receive a notice of " new terms '' that they claim they sent, but they rolled over my CD without my consent. They also refuse to provide the original contract, as requested, and deny the terms explicitly noted in an earlier correspondence with a First Tech rep. As a result, when I request to move my money to my savings, they want to impose a steep penalty. 

I have reached out to them multiple times, including going to the XXXX XXXX branch in person, but they don't have good intentions to honor their own terms of the original CD. The person I communicated with is XXXX XXXX, the Assistant Branch Manager, and the issue remains unsolved. I'm submitting the complaint so that you are aware of their practices and can push the Credit Union to do the right thing. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Filed dispute through Equifax due to a credit card balance and credit limit being reported incorrectly. Equifax specifically states that a dispute will not lower your credit score. 
XX/XX/XXXX : Equifax notifies me that investigation of dispute is complete and report is available. Result of report is in my favor, lowering the credit card balance and increasing the credit limit. Both being positive credit actions. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX to XXXX with the reasons of " credit card limit increased by {$400.00} '', " credit card balance decreased by {$700.00} '', " payments made on time '', " account information changed ''. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX with no additional reasoning. This takes my credit rating from the " XXXX  '' down to the " XXXX  '' tier. 
XX/XX/XXXX : I call Equifax and inquire about my score being decreased a total of XXXX points immediately after a dispute being completed and the reasoning being the direct results of the completed dispute. The Equifax agent stated " Disputes will not lower or have a negative impact on your credit score. There must be another reason. '' I quoted the reasoning shown and agreed that it should not have had a negative impact. I also stated that it should have increased my score. I advised the agent that I am preparing to make a large purchase in XXXX of XXXX and that this unjust score decrease will cost me thousands of dollars in extra interest over the length of the loan. I advised the agent that this unjust score decrease will cause me financial loss and damages. I also informed the agent that this appears to be a direct and retaliatory action by Equifax in result of my dispute. Furthermore, I advised the agent that my scores with the other 2 credit bureaus have either remained the same or increased, supporting my suspicion that Equifax is taking retaliatory actions against me over my dispute. The Equifax agent filed a complaint including all of this information. I advised the agent I would be filing a complaint with the CFPB, and if Equifax did not restore my credit score and credit tier before I make my major purchase in XX/XX/XXXX that I will take legal action after incurring financial loss and damages that they were warned of and given ample opportunity to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Iam writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Nagy Federal for similiar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into account transactions for both of my checking accounts.
Product: Credit reporting 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  aka 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: Payday loan, title loan, or personal loan

This is a multifaceted problem. I took this loan out for emergency repairs to my home, approximately {$25000.00}. As I had just purchased my home, my credit options were limited. The contractor I hired offered Greensky as a financing option. ( My issue is not with the contractor ). Prior to accepting the loan, I carefully read the terms, however, since accepting, I'm finding some of their practices to be deceptive, predatory, and unethical. First of all, the loan is presented as a " credit card. '' I believe this is a loophole to avoid usury laws. 

The terms of the loan are essentially that I have one year to pay off the loan in full. If it is not paid off within that time, I automatically owe the interest for the full term of the loan, regardless of how quickly I pay it off. This will result in automatically being charged approximately {$29000.00} in interest on a {$25000.00} loan, again, regardless of how quickly I pay off the loan. The payments I make now only go toward the interest, but if I pay it off within the promotion period, those payments are applied to the principal. As such, my credit report reflects that I have not made any payments on the loan. It still shows the full balance. In fact, it often shows that I am over the {$25000.00} credit limit, because although it is zero percent interest for 12 months, they are still billing me as though I'm paying monthly interest. 

My plan from the beginning was to refinance the loan at the end of the term. The real issue arises in that because the company is reporting 1 ) that the balance has not decreased, and 2 ) that I am over limit, this loan is having substantial negative impact on my credit score, thus eliminating my chances of qualifying for a loan to refinance. Since taking out this loan, my credit score has dropped 80-100 points. My score went from about 755 to about 628, despite paying off a credit card, and several hard inquiries dropping off my report. I believe this company does this on purpose, in order to keep customers trapped in this loan. 

Additionally, I'd like to point out that although I was truthful in my application, I was shocked that this company gave me {$25000.00} without asking for a single piece of documentation. It seemed absurd to me, especially in light of the fact I had just taken out a mortgage a month or so before. This leads me to believe this is a predatory lender that gives out loans with no regard for the customer 's actual ability to repay. 

There are many shady, deceptive, predatory things going on with this loan. I'm hoping the CFPB will address this to save me and many other potential customers the heartache of dealing with this company.