23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ordered a XXXX XXXX XXXX XXXX smartphone from XXXX. I had to do this XXXX times because the first XXXX I purchased were either not as described ( opened box when item was sold as new/unopened box ) or blocked on my carrier ( seller financed phone and stopped payments ). The last of the XXXX phones that needed to be returned worked fine for a few days and then became blocked with my carrier ( seller non-payment ). It was shipped back as the previous ones were : I contacted XXXX, informed them that the phone was not as described, and they then approved and issued a return label to return the phone at their expense. The first XXXX returns were credited back to me. The final return was never credited. After 30+ days after the return, I attempted to contact XXXX but they make it extremely difficult, if not impossible to find their contact phone number or even send them an email. After XXXX mins after trying to find their contact info, I instead called my card issuer and disputed the item for failing to credit me for the return. Instead of XXXX responding to the chargeback, XXXX responded that the item was never returned and that it was as described. XXXX of course has never seen the item and had no idea of its condition, it was simply a defensive tactic they use the absolve themselves of accountability ( they probably paid the fraudulent seller and then got left holding the bag ). I responded to my card issuer explaining and providing documents indicating from XXXX 's own website that the item in question was returned. My card issuer, Chase, performed no investigation of any kind and simply took XXXX at their word. Despite all the evidence I provided, and XXXX having a complete accountability of the return, they refused to remove the charge. I finally found XXXX 's phone number and contacted them to ask why they never credited me back. The rep told me that the item was returned " late '' so there is no refund. XXXX only provided XXXX to return the item. Because the phone being returned contained all of my mobile data ( it worked for a few days before the carrier block took effect ), I had to procure a replacement phone and copy all of my data over before I could return the phone. Again, this was the seller 's fault as they knowingly sold me a phone they knew would be blocked at some point. So I explained this to the XXXX rep and he reiterated that they will be keeping the money and the seller will be keeping the phone, and I am due no refund. However, my card issuer is supposed to act as the fail-safe in this type of situation, and did not adhere to the XXXX. Perhaps they have a cozy relationship with XXXX or simply do n't care. The evidence I provided them was overwhelming and they did n't seem to review or follow-up on any of it. Additionally, you should be aware of issues like this where the consumer does business with XXXX but it is XXXX that responds to the billing dispute. This allows XXXX to be unaccountable and XXXX to play ignorance.
Product: Mortgage

a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX  XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. 

c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. 

d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. 

e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. 

We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur.
Product: Checking or savings account

My Huntington account was closed roughly in the beginning of XXXX. A little bit afterwards, I sold in electronic device on XXXX, however, it got paid out to the Huntington debit card instead of bouncing back to XXXX to go to another payout method. The payout was on XXXX XXXX XXXX upon visiting a branch, I was told that its a weird situation that it did not bounce back considering the account is completely closed, however, after speaking to somebody else on the phone, they told me that I need to wait 10 more business days and I should receive a check to the last address on file which was absurd to me already. Today, XX/XX/year>. I called Huntington and spoke to a supervisor after explaining the situation to Customer Service and was now informed that this is the only way they can give me the funds through this policy and theres no workaround however the story was different with the supervisor XXXX and she informed me that I actually have to wait 30 days after they receive the funds on the XXXX and that there was no way I can walk into a branch and request the funds or anything else I can do to escalate. This company is holding my money for no reason with a closed account, there should be theft/illegal.
Product: Credit card or prepaid card

We were sent a MyVanilla Debit Card in the mail that was unsolicited. It appears that someone opened up the card in my wife 's name. We contacted MyVanilla via phone and were told that without giving them our personal information, there was not a whole lot that they could do. We did not want to give them our personal information for privacy reasons. They did state that they would pass this along internally for a follow up.
Product: Prepaid card

Bought XXXX Vanilla XXXX and when I tried to use them at the store and got a message saying " XXXX Encryption failed ''. It seems to be another magnetic stripe problem. Why doesn't XXXX just have stores sell the variable/ high value gift cards from behined the counter / register so that they cant be tampered with?
Product: Checking or savings account

I rented a XXXX seat passenger van which there was a {$300.00} hold authorized and the charge of {$220.00} on XX/XX/year> through XXXX in XXXX, XXXX. The van was supposed to be returned on the XXXX but due to my mother passing while on the trip, I had to extend the van for one more day. I returned the van and the Merchant closed out the contract on XX/XX/XXXX. However, the bank removec the {$520.00} hold that was on it where I could not see but they could see it. I went into the bank on the XXXX and the teller had to call the back office because he could not see that the {$520.00} was authorized succesfully. The bank informed me that it will take a couple of days for the final {$280.00}. XXXX to post which included the extra day for {$56.00} and the {$300.00} would be returned to me. It was not until this morning the XXXX the {$280.00} posted but the bank did not remove the final {$56.00} and did not retune my {$300.00} back to my account. I went to bed with the same amount that I woke up to. I even had XXXX Billing Department on the line and the woman informed the customer service rep from Truist Bank that the reversal of the {$300.00} was done and she provided the authorization # of XXXX. The bank refuses to return my {$300.00} dollars which is theft. I paid all together {$580.00} and want my {$300.00} hold back from this amount the bank is refusing to pay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my account was cancelled at XXXX XXXX XXXX XXXX/XXXX. So say this is around the time that it should be 7 years from not ... XXXX XXXX as it says on my XXXX  report . I called ERC whom is a third party collection agency and spoke with 3 people and left a voice mail for the so called President and was told that's just the way it is. Because of this I was denied a house I desperately needed next week. Thanks to ERC it's not going to happen now.
Product: Debt collection

I moved out of my apartment ( XXXX XXXX, XXXX, NV ) on the XX/XX/XXXX. I went into the office and said ok I am ready to move out, I just need to get my mattress out of there. XXXX told me to take my time and leave the key in the drop box. I shouldn't have trusted her. I was told the rent would be prorated. They are now saying I moved out on the XX/XX/XXXX. They are charging me almost 400 $ extra for rent and XXXX $ for fees. I was first told about my extra charges in XX/XX/XXXX and I was disputing them with someone from XXXX ( not someone from the apartment ). They did not care what I had to say and hung up on me. I then tried emailing the apartment in XX/XX/XXXX. They didn't get back to me. I then got a letter from a debt collector. I tried calling them and saying that the amount was wrong and they said it didn't matter. It is now XX/XX/XXXX. I tried to dispute the debt online but there is no account set up for me on XXXX which is confusing. how am I supposed to even pay my debt? I HAVE to call them? they were rude to me on the phone before. This whole thing is unfair and a huge mess. I am getting scammed by my old apartment. 

You can check my credit card statements. which make clear that I left Nevada on the XX/XX/XXXX and came to XXXX, MN.
Product: Credit card or prepaid card

To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. 

I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX )  as they had promised. 

Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.
Product: Credit card or prepaid card

I was alerted when a fraudulent charge was made on my Citibank credit card in XXXX. Someone used my number to make a strange charge in a state I have never even visited. I called immediately and they sent me a new card and said the charge would be removed. It appears that they credited the amount, and then they mistakenly added that fraud charge again! So the fraud charge amounting to {$250.00} is still on my account. 

I have called repeatedly and talked to a number of Citi employees ( internationally too ). I have always paid my account in full every month. The Citi employees kept reassuring me that I was not responsible for it, and the problem would be fixed by the next billing cycle, so not to pay the fraudulent charge. I have paid my legitimate purchases and subtracted the fraud charge, as I was told. But it kept appearing on my statements. 

The Citi employees that understand the problem are not able to fix it, and refer me to the security department, where employees can't seem to see that the charge is on my account twice, and argue with me about it. Where is the customer service backing up the assurances that customers will not be responsible for fraudulent charges? 

The last time I called I asked for a mailing address so I could send a letter and a copy of my account charges from this year ( from their own website ) to explain and hopefully reach someone that will clear this up. I mailed the documents, but haven't heard anything back. This is now XXXX. I have lost all confidence in Citibank, after having a credit card with them for years. They just keep passing me around to various departments, wasting loads of time, and no one removes the fake overcharge. And now they are adding interest to it! Their slogan " Citi is at your side before, during and after every purchase - Your Citi Team '' means nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX. 
Your ineptitude couldn't be any more evident in your failure to read my complaint and that complaint is explicit that XXXX XXXX XXXX ALLOWED A CHECKING ACCOUNT AND SAVINGS ACCOUNT TO BE FRAUDULENTLY OPENED... and you... I don't have a word for you that I can type in this complaint have flagged by XXXX XXXX car loan from 2018 which is an account in good standing and paid in full. And using the same word I can't type here, you also flagged my legitimate XXXX XXXX  CREDIT CARD Accounts. 

YOU WILL NOW RESPOND TO MD AND NY ATTORNEY GENERAL 'S OFFICES. Your display of ineptitude is just beyond my ability to deal with, so I will leave it to those whom you actually have to respond to vs the bogus responses you provide ( d ) on the CFPB complaint portal allowing you to punt responsibility. 

PUT THE XXXX IDENTITY THEFT FLAG BACK ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Mortgage

On XX/XX/XXXX, we refinanced our mortgage and paid off our Wells Fargo mortgage. Also, the property taxes, in the amount of {$4300.00} was paid in full. When my wife and I returned home there was a mortgage statement, which indicated that another payment in the amount of {$2400.00} had been taken out as an automatic draft ( that had already been paid with the refi ) and Wells Fargo had taken out property taxes from escrow. 
I called WF 2 weeks ago to ask when we would receive our escrow and extra payment refund, and they indicated by XX/XX/XXXX. Since today is XX/XX/XXXX, I called today to see why we haven't received it. They indicated that it was mailed XX/XX/XXXX and it would take 7-10 business days to arrive. The amount was {$2400.00}. That seems low, but I didn't give the rep a chance to explain. 
In addition, I found that XXXX XXXX received the taxes from WF AFTER the refi,  and that they would be refunding that to WF in the next 30 days. Based on the escrow payment, we should receive our refund of taxes in XX/XX/XXXX, two months after the refi. 
It is apparent that Wells Fargo is taking advantage of the float as long as possible.
Product: Debt collection

Recently, I became aware that a claim for debt is listed on my credit report from XXXX XXXX. On XXXX, XX/XX/2022, I spoke with XXXX at Hunter Warfield regarding the claim. I advised XXXX that I have video and photo evidence to support my dispute against XXXX XXXX. XXXX stated that no one has ever submitted proof to resolve a dispute and requested that I email the information to XXXX for review. XXXX informed me that I would receive an answer regarding case # XXXX on Thursday, XX/XX/2022. 

On XXXX, XX/XX/2022, I contacted Hunter Warfield to confirm that the emails were received and reviewed. XXXX confirmed, and this case is being expedited based on the video and photo evidence submitted via email. 

On Thursday, XX/XX/2022, I followed up to inquire about the status of my dispute. XXXX requested that I resubmit the same videos for review. I advised XXXX that I would resubmit the information for this dispute to be closed. 

Rent included valet trash. 
On the night that I moved out, the office was closed. Therefore, keys and fobs were left in the maildrop located at the front office. 
There is also an inconsistency within the Condition & Disclosure regarding the dollar amount for a plank. 

I am seeking a resolution with a verification letter that the charges have been removed from my credit reports.
Product: Debt collection

I am submitting a complaint against Equifax because the company failed to correct the wrong information on my credit file despite the fact that submitting a police report that proves that I am a victim of identity theft. Unlike the other two credit bureaus, Equifax insists on keeping false information on my credit report which is not legal. Equifax is violating the rules and the regulations of the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, EQUIFAX AND XXXX.
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate inquiries from my credit report Account name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX ( Medical ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681B.

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

Collection agency by the name of XXXX are reporting negative info on my credit report that need to stop. It 's inaccurate. Dates are wrong. Dates are wrong. Open date is NOT ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting erroneously on XXXX, Transunion and XXXX  credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( XXXX  has this correct ) but XXXX was 60 days late, XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXX XXXX should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX  that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.
Product: Checking or savings account

XXXX XXXXpersonal account {$130.00} & {$1300.00} I went to the bank to cash several checks. I was surprised that the teller available was someone I knew but she did not usually work at that location. 


Sometime in XXXX I started receiving calls that my account was in overdraft. I thought it was a scam at first. Finally after numerous calls I had to give them personal information and that is when I became aware there was a problem with my account. 

the bank claims That the teller gave me too much money back for my checks. I disputed that claim. I eventually met with a regional bank manager. I told the manager about my personal experience with this teller and that she was almost terminated previously because an incident concerning my husbands business and the teller giving out information that she was not authorized to give. 

The bank teller was fired for reasons unknown.. however I suspect it was due to the situation concerning transactions made that day concerning me, personally. The bank claims this teller gave me too much money when she cashed my checks. I dispute that claim. 

I have tried to call this regional employee but he doesnt return my calls. I am being harassed by phone calls and I would like the bank to open a full investigation or quit harassing me with phone calls.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no information about them, and the company made them without my approval.
Product: Vehicle loan or lease

Since XX/XX/2021 I have been paying Lexus financial services on a Unemployement debit card. Every month after Lexus has been accepting the same card. Now on XX/XX/2021 I tried to make a payment and I was told I had to be 30 days late for Lexus to except a debit card? I feel like Lexus wants me to be late and effect my credit. My payment will be 30 days past due on XX/XX/XXXX. This is not right. I been on the phone for over 1 hr I need help I feel I am being taken advantage of and also Lexus is trying to destroy my credit. I dont have a checking account and I dont have the money to pay XXXX XXXX. I am only getting unemployment. Please help before XX/XX/XXXX because then I will be 30 days past due. A Unemployement card is a debit card and Lexus accepted this card 5 months in a row