23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America allowed XXXX XXXX XXXX XXXX XXXX to charge my Business Checking Account/Debit Card 11 times in one day on XXXX XXXX, 2017, totaling {$3300.00}. XXXX XXXX XXXX XXXX XXXX did not provide the services as agreed pursuant to a contract. Their cloud based service did not work as promised and continued to have endless glitches and issues. I was never able to get back into the program. It never worked. When my father XXXX unexpectedly and I was out of work due to XXXX and again had no access to the program they still refused to cancel. Instead, they said they 'll give me an extension and change it to my brother 's business and update the cloud to his information but those changes never came through. The program never worked at all. This company has a predatory billing practice. I sent them an email revoking their authorization to charge my card and they continued to charge anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported On XXXX XXXX, 2024 Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, opened line of credit with XXXX XXXX department store with XXXXXXXX XXXX managing the card. Listed wife, XXXX XXXX, as authorized user. XXXX transferred the account XX/XX/XXXX and transitioned the line of credit to another XXXX XXXXXXXX XXXX, also from XXXX XXXX 
Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXXXXXX XXXX XXXX  ), impacting our length of credit and therefore impacting the credit score. XXXX is reporting the length of credit history beginning with XXXX. 

Transunion requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of XXXX credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with XXXX will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. 

A letter sent to XXXX in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Credit Report attributable to trafficking may be BLOCKED from your credit report. Remove these entire items from my credit reports because these items is, or contains adverse information that is, the result of my being a victim of human trafficking. These accounts need to be blocked and removed according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) Please remove item within 4 business days : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX, Account # : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays.
Product: Credit card

On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.
Product: Credit card

PNC Bank on XX/XX/XXXX offered us a credit card where if we spent {$1000.00} in 3 months we would receive a reward of {$100.00}. We opened this account ; we were given the reward as a deposit into our checking account on XX/XX/XXXX. PNC did not inform us that they believed the reward was taxable, although PNC now claims it was in the fine print. 

In XX/XX/XXXX, PNC sent me a Form 1099 XXXX  showing interest on my checking account of {$1.00} and premium fulfill of {$100.00} for a total interest of {$100.00}. We complained to the branch staff who escalated the issue to Headquarters. We also sent a certified letter to the Chairman of the Board ( copy of letter attached ). We also complained to the Office of the Controller of the Currency. Based on articles in XXXX XXXX and XXXX XXXX and XXXX XXXX as well as the IRS regulations, we believe this reward is not taxable. 

On XX/XX/XXXX, PNC 's Headquarters staff informed us that PNC believes their position is correct and that they would send us a letter to that effect. 

We believe the {$100.00} reward received is not taxable interest. According to the XXXX XXXX ( XXXX XXXX  : welcome bonuses received for opening a credit card are not taxable since customers generally have to spend a certain amount of money or make a certain number of transactions to receive the bonus.Other websites contain the same advice. For example, XXXX XXXX and XXXX XXXX  says : As long as you have to spend money to earn the reward, your points or money are not taxable. The PNC offer clearly falls within these requirements and should not be taxed.
Product: Mortgage

On XX/XX/XXXX Wells Fargo put forced placed insurance on my home in the amount of {$1700.00}. 
On XX/XX/XXXX Wells Fargo partially refunded my account after I provided proof of insurance. 
They refunded {$1000.00} on XX/XX/XXXX. 
On XX/XX/XXXX Wells Fargo fully refunded my account after a barrage of phone calls by me. 
They refunded {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX I requested Wells Fargo update my final payment statement to reflect these changes. 
On XX/XX/XXXX I called Wells Fargo re-requesting an updated final payment statement. 
During that conversation a Wells Fargo representative assured me that the final payment statement would be completed by XX/XX/XXXX and that the amount of my final payment would be reflected on my account at the Wells Fargo website. 
It is now XX/XX/XXXX and Wells Fargo has not updated my account to reflect the refunds they have issued. 
As of XX/XX/XXXX Wells Fargo shows my final payment as {$2000.00}. My final payment should be {$1000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote a letter to all three of the credit reporting agencies : XXXX, Transunion and XXXX. 
I submitted a dispute about a student loan debt by the Dept. of Education under XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act, the credit reporting agencies are to report the accuracy of a debt. 
According to the Dept. of Education and XXXX my student loan has been paid off in full. 
The credit reporting agencies are refusing to update this information because the information would lower my debt-to-debt ratio ; therefore, allowing to improve my over credit score. 
The information the credit reporting agencies have sent to banks and other financial institutions is especially unfair to minorities. I have been denied credit for this reason.
Product: Credit card or prepaid card

Citi Card has consistently sent emails stating they have returned mail - therefore I have not received a statement timely in 10 months. I have had to call Customer Service to a ) to determine the payment due, and b ) request a copy of the missed statement mailed to me and c ) make a payment by phone for months!. I made a note of the due date when this first occured, so thankfully, I have never made a late payment. I have requested the returned mail from Citi Customer Service to show the postmaster, as all of my other bills arrive without incident. I was refused the returned mail. My address has not changed in 13 years. I contend that Citi Card is not even mailing my statements - hence the refusal of the request for the actual returned mail. It is such a simple matter to mail my statement, a matter Citi can not seem to accomplish. I also wonder if this is a deliberate attempt to cause a late payment - which would result in a greatly increased interest rate as well as late fees. On XX/XX/XXXX I spoke with a supervisor who stated she had rectified the problem - and had removed my email address from the account - I promptly received an email from Citi Card confirming the conversation and a subsequent " returned mail '' notification shortly thereafter. The mystery is I always receive the " returned '' statement copies - but never the current statement. Which is why I do think this is a deliberate ploy by Citi to cause a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have made multiple attempts to have this company fix the wrong reporting on my credit profile. This is not my account. It is listed as such BYL XXXX XXXX  account number XXXX I have sent multiple letters disputing this information as well as advising them this does not belong to me and to with no success. I have recently sent the 3rd letter on XX/XX/ 2020 with no reply.
Product: Credit reporting or other personal consumer reports

I submitted a full police report from the XXXX Police Department requesting a block on the following listed accounts in accordance to the FCRA and FDCP they are in violation of serveral laws 15 USC 1681 ( 1 ) ( s ) states the following 15 USC 1681 ( B ) company has no right XXXXXXXX XXXX XXXX number : XXXX Inaccurate reporting dates and amounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX  Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with Synchrony Bank ( XXXX ) since XXXX of XXXX. 
the first time I called them was XXXX XXXX made an offer {$3000.00} on a collection of {$3900.00}. told me they would let me know within 72 hours. I never heard back from them I would call and call and kept getting " we are still waiting on approval ''. Then when I started to call again they were telling they cant find the account and it seem to always be one thing after the other. XXXX XXXX I call and they said there was no settlement offer and that things got behind because of the holidays. So I got XXXX  of this and submitted another offer of {$2300.00} on that day XX/XX/XXXX they said call back in 7 to 10 days. I gave it alittle more time thinking that if I did they would have an answer. I call back on XX/XX/XXXX and still NO approval. At this point we are going 8 months and im just getting the run around. Finally on XX/XX/XXXX I spoke to them on an 18 minute conversation and the last minute of that she tell me that the debt has been forgiven and it will be deleted. Well this is XX/XX/XXXX and still nothing has change on my credit report.. I want this remove today from my report. This has gone on way to long and I'm getting XXXX  of their XXXX!!!!!! ...
Product: Debt collection

This was a very old Wamu Credit Card dating back to XX/XX/2009 going on 10 years old which only had a credit limit of XXXX. I made a payment of XXXX on XX/XX/2009. The economy came down on us as we were self employed that year and we had to close our store and almost filed bankruptcy. The last known balance on this card thats on record was XXXX as of XX/XX/09. I never got another statement after that and XXXX never notified me of anything. They wrote the account off and it was turned over to XXXX XXXX last I knew. So this is a third party debt collector now which didnt inform me properly or give me any chance to settle. Ive heard some very not nice things about them. They are called XXXX XXXX and they are trying to Garnish my wages which are State Funds for Taking care of my Elderly XXXX Mother in Law. I think what they are doing is very illegal and they are saying I owe them over XXXX. I offered to settle for the XXXX I originally owed but they turned me down. I need help as I cant really afford to pay and feel really cheated in this matter.
Product: Credit reporting

Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX  XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to Equifax and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and Equifax XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Product: Debt collection

In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.
Product: Credit card or prepaid card

This is so unfair I applied in store for my sacks credit card and then the bank that processed this application declined me without even pulling my credit report how is this valid or fair I was told to apply in store for the XXXX version and I did and they treat me and my application like this their system automatically declined me
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was a victim of a home invasion robbery in which all my personal information was stolen. I began receiving letters from institutions about accounts opened in my name. and then a letter from XXXX XXXX  and tmobile regarding a data breach. I'm not sure if the fraudulent accounts were a result of the data breach or the robbery. I sent the police report and data breach notices to the reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report by XXXX XXXX. Despite my attempts to resolve this matter directly with both XXXX XXXX and the credit bureaus, the issue remains unresolved. 

I have provided bank statements as proof that the payment was sent and an extra payment was made. However, the reporting remains inconsistent and incorrect across credit bureaus. Specifically : XXXX : My payment was reported as late in XXXX and XXXX but marked as on time in XXXX. 
XXXX : My payment was reported as late in XXXX and XXXX but marked as on time in XXXX.