23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB, Last month I applied for a balance transfer with PNC Bank. I asked the customer services representative would there be any interest that I would be responsible for and they explained to me no. I sucessfully completed the balance transfer. This month I received a fee of interest for using my card. I called and was told that any " future purchases '' I made with my credit card that I would be responsible for the fee. Not only did the customer service representative not seem to care, she did n't even assist to escalate. I contacted the PNC escalation area who said they would research this and they never called me back. I feel as though I was baited and switched and the bank does not care. All they are concerned about is making fees off customers and putting it in their pocket. I want the fee removed from my credit card account and returned to me. Any assistance in escalating this matter CFPB it would be appreciated since no one will return my calls as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to put initial Fraud Alert on my credit with Equifax. 

First tried calling - XXXX - get past first entry, but when trying to enter social security number, I receive an error, whether I try to enter it verbally or by key entry. Told to either go on-line to alerts.equifax.com or mail it in. 

Second - on alerts.equifax.com I enter all required data, click accept conditions and enter and then get a screen saying system is currently unavailable ( try again or click to print a request form ). 
Have tried many times with different browsers, all give same results. 
When I click on print request form, I get the wrong form ( extended alert form ). 

A company of this size with a problem as visible as this should not have these kind of problems.
Product: Debt collection

KOHLS/XXXX Account XXXX I have already asked for the past 4 years for proof that this bill was mine, I contacted Kohls in writing requesting the same information and still no one has sent me any documents with a credit app with my signature a copy of my licence or any document showing me that it is mine.
Product: Student loan

Payments are not allocated properly ; i.e. to the principal on the highest interest loan first.
Product: Credit card

I hold the durable financial power of attorney for my mother. I have been trying to gain online access to my mother 's credit card account with US Bank for several months now. I have provided US Bank with a notarized copy of the power of attorney document on XX/XX/XXXX as well as additional information they requested on XX/XX/XXXX. US Bank confirmed that they had received the information and had updated their records to include the power of attorney information in a letter dated XX/XX/XXXX. I called US Bank on XX/XX/XXXX in order to have my mother 's online account unlocked, as the website gave an error message during login stating that account was locked and to call a number with a reference number on screen. After speaking to customer service and verifying that I was the power of attorney for the account, they transferred me to technical support as they were unable to unlock the account. When I reached technical support, they took me through security on the card but then said that they couldn't see the power of attorney section of the card information and would need to transfer me back to customer service for them to verify me again. A new customer service agent then answered the call and took me through security verification again, reviewed the issues with the online account access, and then called technical support herself to try to resolve the issue. I was told that several years ago there was a block put on the online account due to a fraud attempt ( but not the actual card which was still active ). Unfortunately, she was unable to remove the block on the online account and suggested reissuing the card with a new number in order to see if the online account could be reset. She then transferred me to a XXXX person who took me through additional security verification using my credit report. This person had no idea why she was doing the verification. When I tried to explain to her the situation, she said that had nothing to do with her and that I needed to speak with technical support. I explained to her that technical support doesn't have accees to the power of attorney information on the account and that customer service needed to speak with them, she refused and said that there was nothing else she could do. When I asked what I should do, she just said there was nothing she could do. I asked to file a formal complaint, which she said she would file. When I asked about filing a complaint with the regulator, she said she didn't have any information on that and placed me on hold. After speaking to her manager for XXXX minutes, she came back and said she didn't know who the regulator was or how to file a complaint. After XXXX minutes, the call ended with no resolution and still not being closer to resolving the original issue of gaining online access to my mother 's credit card account to manage usage and payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Experian credit bureau. 

complaint # 1 Experian are reporting several different address and employers on my credit report. I wrote them many times over several weeks, with a copy of my current licenses, social security card and information with my current employer. Their responded by saying that they verified the address and employment with the furnisher. According to the FCRA they are required to let me know who the furnisher of the information is. They refused to give me that information. I only have one address and one employer. 

Complaint # 2 In my account summary, Experian are reporting an incorrect real estate balance and an incorrect revolving credit. 
Again, I wrote to them many times over several weeks and nothing has been done. What they are reporting is not my current real estate balance and current revolving credit balance.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Mortgage

I currently have a home mortgage with WELLS FARGO. Due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As such I had my mortgage payments deferred. Upon attempting to restart my payments I have ran into issues with said bank. 

I was advised by my accountant to apply for the VA XXXX XXXX. Which takes the missed payments, adds them to the end of the loan in months, does NOT change the APR or monthly payments. 

When I attempted to start the process of paying the monthly mortgage again I was told by a WELLS FARGO employee that " You do not have a choice in what program you get. '' I was " reviewed '' for several programs and after some time WELLS FARGO contacted me and offered me a Loan Modification, a restart of the loan to XXXX  years and an XXXX increase to XXXX XXXX I have not been told by WELLS FARGO why I have no choice in what program i can choose. 

During this process I paid my mortgage payments for XXXX, XXXX and XXXX totaling {$1800.00} a month. In XXXX I attempted to pay another mortgage payment and was told " we can not accept your mortgage payment. ''
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and to lodge a formal complaint against XXXX, XXXX, and TRANSUNION regarding multiple unauthorized hard inquiries on my credit file. I have not given consent, nor have I authorized any individual or entity to access my credit report. The entities responsible for these unauthorized pulls must be held accountable, and I expect a full explanation as to how my personal information was accessed without my explicit permission. 

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 TransUnion 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: Credit card

Verve platinum credit card services charged me with three XXXX $ late fees starting on XX/XX/2023 to XX/XX/2023. All of the min amount due monthly payments were made on time for this month. When reaching out to the credit card company they stated that my account was set up to pay a standard amount of XXXX $ per month. I do not recall submitting this at any time and they can not provide a statement or any documentation of when this may have been done. Then in XXXX when my balance was due of XXXX $ and some change that whole amount was taken from my account, at which time I called and was made aware of the information I just stated since I was making payments on time and did not check my account for a few months since I had set up recurring payments. At that time I asked them to provide me with a statement showing the change I have made for them to legally process payment for the XXXX $ since it was not the XXXX $ amount they stated is the payment arrangement I set up. They told me they do not show of me making that change and can not explain how or why it was done. I let them know if my min amount due changed previously why at that time before charging me with XXXX XXXX $ late fees totaling XXXX $ would they not take out the min amount due instead of the standard payment they say I set up of XXXX XXXX They could not explain this as well. At this time I have asked them to close the account to no longer acurre fees but I am still paying for these fees as well as the late fees. I asked them to open a claim and that my fees should be waived since I did not authorize any change or the increased amount to be taken from my account but they have failed to do so. At this time I need help in resolving this account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the amount of {$3000.00} MOHELA/DEPT OF ED XXXX XXXX in the amount of {$1700.00} MOHELA/Dept of ED XXXX XXXX in the amount of {$1700.00} MOHELA/Dept of ED XXXX XXXX in the amount XXXX MOHELA/DEPT ED XXXX in the amount of {$800.00}
Product: Checking or savings account

I tried to transfer {$150000.00} from CITIbank to XXXX bank on XX/XX/XXXX, in an effort to close my account with CITI. The funds appeared in the XXXX account, but the transfer was canceled by CITI on XX/XX/XXXX and the transaction reversed. I made a second attempt to transfer the balance ( {$150000.00} ) on XX/XX/XXXX and experienced the same issue. On XX/XX/XXXX the transaction was canceled by CITI and the funds returned to my CITI account. I called CITI on XX/XX/XXXX twice and spent nearly two hours on the phone trying to understand the problem. They tell me my account is locked because there was questionable activity. I confirmed that the activity was initiated by me, the sole account holder. They won't lift the hold. I try again to resolve the hold on XX/XX/XXXX. They disconnected me twice after 40 minutes. I tried again on XX/XX/XXXX. After another 40 minutes they promise to call me when they have it figured out. No call-back. I try again on XX/XX/XXXX. I ask for escalation and insist on talking with a supervisor. They tell me that the hold can't be lifted. They offer to send me a check in 60 days. I told them that I haven't had access to my money for three weeks. Another 60 days is unacceptable. They ask me to hold. After 2.5 hours on the line, they disconnected me. Again. I can no longer tolerate the frustration. I need access to my money. Please help.
Product: Debt collection

NATIONALCREDITADJUST also known as NCA is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with NCA or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiry : XXXX XXXX XX/XX/year> :
Product: Money transfer, virtual currency, or money service

I have sent a complaint to Google that I signed up with a new phone and my email was hacked or one of your XXXX store apps by beings in XXXX. My XXXX account has been taken over by XXXX, several bank accounts have had to be closed, I have XXXX in XXXX along with XXXX XXXX companies that I didn't know existed taking money in XXXX apparently you can request my money to be taken out of my account and i can't stop you with or without permission ... I can request my money back from you but apparently these beings don't have to pay back. Had no idea money was even being taken out of my account until I didn't have money to pay a bill. I reached out to Google and immediately receive the letter back from XXXX... 

Dear Google user, Thank you for writing in to the XXXX XXXX for XXXX. 
We understand that you would like to raise a concern for a particular Google product or service, or may have a valid court order. 

I am still waiting to hear back from this outcome, please look into this matter and my compensation.
Product: Debt collection

Complaint against : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Property Manager XXXX XXXX, Supervisor " XXXX '' During my stay at XXXX XXXX as a renter, complained to Manager about unsanitary and unsafe conditions. XXXX XXXX did not provided services promised in contract. We complained, and never got the services requested. Vandalism and breaking and entering to XXXX XXXX property and a neighbor occured.Felt unsafe.Ask to be relocated to another apartment and they asked for additional money. The trash container was next to our apartment. Trash was tossed to container and did not landed inside, having very frequently trash in our door step. Dogs XXXX outside our apartment. Dust with dehydreded XXXX entered our apartment, windows did not sealed our dust. We became ill. Asked to leave. Reprisals came. Vacated apartment within legal conditions. My son suffered accidet. Maintenance accepted they had misinstalled handle to use in bathroom. When vacated the apartment, we were overcharged with costs we disputed. They send one notification to my father 's house. He was in hospital, when discharged we learned our bill was sent to collections. Communicated with XXXX  and disputed. They lowered the amount due. Got several conflicting e mails threatenning legal action from XXXX XXXX. By that time I already paid half of the debt. XXXX sold my personal information to Collectors, including my father 's as well. My father after discharged got threatenning phonecalls. Got sick because of that. Question : how can they threaten me with legal action XXXX if they sold my debt and personal information ( mine, and two sins ) without authorization? When the collector started to threaten XXXX was asking for XXXX usd, but then they accepted my dispute I owed and never declined to pay, XXXX charged me XXXX usd, a totally different debt. This invalidated the previous collection. Please help. My name is XXXX XXXX XXXX