23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number  : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Checking or savings account

My TD Bank debit card was compromised. All of the charges occurred on consecutive days at XXXX XXXX XXXX in XXXX, Florida. Let 's just preface this with I live in XXXX XXXX, FL, approximately 30 miles away and I do not ever go to XXXX. The first unauthorized charge occurred on XX/XX/XXXX in the amount of {$100.00} ; a second again on XX/XX/XXXX in the amount {$99.00} ; the third charge on XX/XX/XXXX in the amount of {$99.00} ; the fourth charge on XX/XX/XXXX in the amount of {$99.00} ; the fifth charge on XX/XX/XXXX for XXXX. At no time during these unauthorized charges did TD Bank contact me about suspicious activity. My husband and I discovered the unauthorized charges on or about XX/XX/XXXX and I immediately contacted TD Bank to shut down my card. The first charge had already cleared my account ; however the other 4 were still pending and I had wait until they actually cleared. We disputed the first charge and called the next day to dispute the 4 additional charges. I waited 3 days and called TD again to ask about my provisional credit. I was informed that the person who took my report determined that the charges were in my geographical area and not fraud. When I informed them that I drive a XXXX   XXXX that takes {$35.00} in gas every two weeks and that I confirmed with my local branch that I was in XXXX XXXX using the card with the chip at a XXXX at XXXXXXXX XXXX at 9 minutes later someone was pumping gas in XXXX which is 30 minutes away with my card and NO chip, they resubmitted the dispute. I received a provisional credit. On XX/XX/XXXX, TD Bank sent me a letter and told me that they were reversing the first credit of {$100.00} because they didn't think it was fraud, but they were allowing the credit for the 4 additional charges. When I complained, they told me to go to XXXX and file a police report for the {$100.00}. 

I wanted my {$100.00} credit back. This is so obviously fraudulent charges that I'm convinced TD Bank is just be spiteful and arbitrary. I am so disgusted that I have redirected all new business/personal accounts that I used to refer to TD to another bank. In my line of work, I have referred no less than 50 -75 accounts to TD Bank in the past 3 years. To be treated in this fashion is inexcusable. I want my {$100.00} and an apology for inferring that I would lie about an unauthorized charge.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue with Experian, which remains unresolved despite my attempts to rectify the situation. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies in my credit report. Regrettably, to date, I have not received any response from them. The details of the inaccuracies and the required corrections are outlined below : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information on my credit report.
Product: Mortgage

We were approved for a trial modification in XX/XX/XXXX with trial payments due for 3 months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each payment was sent certified and on time. We were then told the modification paperwork would be sent to us within 3 weeks. Despite several calls following up as to where the paperwork was as we hadn't received it in XXXX or XXXX, we were told to make " good faith payments '' on the first of the month. We paid these on time for XX/XX/XXXX-XX/XX/XXXX. We finally received the modification documents on XX/XX/XXXXXXXX by mail, but they had major print font errors in the deed of trust. Upon calling SLS, their service person faxed a corrected copy and I signed, notarized and mail it back the same day-XX/XX/XXXX in the envelope provided ( copy enclosed ) to SLS ' subsidiary-XXXX XXXX XXXX in XXXX, TX. I expected to receive a counter signed copy by an SLS representative within a week or two. After not receiving anything for 2 weeks, I started calling. I have spent over 2 hours on the phone, usually getting transferred 4-5 times and finding almost no one who has any idea when I will receive my counter signed copy back, but they keep asking for payments. They finally said in late XXXX call that my documents had been posted on their system on XX/XX/XXXX, but had no idea where they were in the process. 
On one of my calls after being transferred 4-5 times, one rep said the bankruptcy court needed to approve the modification first, and when I told him that was incorrect, that my bankruptcy case was closed over 18 months ago and I had submitted the judges finally signed decree to SLS and XXXX XXXX   XXXX multiple times proving that, he only argued with me and said he still needed approval. ( see judges signed order attached ) As of last week when I checked the Federal Pacer document tracking system, absolutely nothing had been filed since the case was closed ( and shouldn't have needed to be. ) On my last call I told them my local attorney has recommended that I not send any more payments until the counter-signed copy is received and also filed with our County Chancery Clerk 's office-which it had not been as of last week. 
That didn't seem to phase them one bit and I've heard nothing at all in XXXX ( except a notice that they are required by law effective XX/XX/XXXX to send me a statement every month, which they have not done! 

Help!!
Product: Credit card

Greetings. I have issue with JC Penney. I receive paper credit card statements and noticed a {$1.00} charge for receiving my bill. I called JC Penney and was told terms changed. I relayed to customer service I prefer paper statement and they do not pay for my internet to receive electronic statement. Is it legal for them to charge me to receive my bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : SECURITY FIN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 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 card or prepaid card

XX/XX/2022 Opened American Express Platinum XX/XX/2022 Submitted Hilton Honors membership number for the advertised Hilton Gold Benefit XX/XX/2022 Hilton Gold status did not post to my Hilton account XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution, spoke with XXXX XXXX XX/XX/2022 Contacted Hilton through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution, conference call with XXXX XXXX XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Charged {$690.00} Membership fee , I paid it in full XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay , no resolution XX/XX/2022 Contacted Amex through chat/phone regarding delay, no resolution XX/XX/2022 Case with XXXX XX/XX/2022 Supervisor XXXX XXXX reviewed XX/XX/2022 XXXX XXXX reviewed case XX/XX/2022 XXXX spoke with 1 hr Many more calls were made but the dates are not available. 

In the date range of XX/XX/2022 - XX/XX/2022 I called Amex 29 times. 

To date ( XX/XX/2022 ) Amex has consistently maintained that some " technical team '' is working on the issue and that the issue will be resolved in 3-5 business days. They have been saying this for a month now. 

During the period of XX/XX/2022 to XX/XX/2022 Amex consistently told me that they would call me within a 24-48 hour period. They never called me during this entire month long period and I had to constantly call Amex looking for an update over and over. 

On XX/XX/2022 I called Amex and was told that even though they acknowledge that they did not provide me with the advertised and promised Hilton benefit that they would not be compensating me. I spoke with the associate named XXXX. 

To be absolutely clear and summarize this. 

I paid {$690.00} for the membership fee for this card. I signed up with the understanding that I would be able to use ALL of the benefits provided by this card. Amex lied and did not provide me with the benefits of the card. They acknowledge that they did not provide the benefits of the card, and I even spoke with numerous reps that told me that compensation would be provided. There are chat recordings and phone recordings. Even with these admissions, Amex refuses to compensate me for their mistake. 

On top of all this, I have had to call Amex in total over 50 times during the XX/XX/2022 to XX/XX/2022 period. I have spent well over 24 hours on hold and speaking with Amex. The customer experience has been HORRIBLE. Amex keeps lying to me and saying that they will call me back and never do over the entire 2 month period.
Product: Credit card or prepaid card

I purchased a phone from XXXX on XX/XX/XXXX. The item received was not what I ordered and I immediately contacted XXXX about this. They told me to return the wrong item I received which I did and have tracking proof of. Then XXXX told me because I returned the wrong item that I will not receive a credit and that I will not receive a refund despite them telling me previously that after 7 days of receipt of the wrong item that I will receive a refund of approximately {$860.00}. 
I contacted citi to file a dispute on XX/XX/XXXX. Despite this quick dispute because I had been deprived of a refund, CITIbank drew this dispute out for months, even past the new year! I have last heard from them on XX/XX/XXXX how the time limit has passed so they can not continue with this dispute despite CITI taking all the time in the world to not get me a resolution. I have returned the incorrect product I received, yet I have been deprived of a refund.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Debt collection

I previously received a settlement letter from Receivable Performance Management LLC for a past due XXXX account. I called and spoke to a representative, whom did not immediately identify herself as a debt collector as required by law, and after speaking for several minutes we agreed that I would pay {$300.00} to settle the account in full. I was placed on hold to get approval from her manager, then she returned, disclosed she was a debt collector, then took my payment. 
I received a copy of my credit report this evening to discover the debt was updated reflecting a new balance. I called to speak to a representative, whom stated the account was not paid.
Product: Student loan

I submitted my 1st PSLF in XX/XX/XXXXXXXX  to XXXX. I was asked for a w2 for verification which I submitted the same day in XX/XX/XXXX. The loan was transferred to MOHELA in XX/XX/XXXX. I was told it will be processed and was rejected twice. I submitted by last w2 again ( year XXXX  ). My form was submitted for a manual review. Now I am being told that the same form has to be reviewed again. It is local government ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I have provided w2s twice to 2 different companies. My spouse, who holds the same position at the same exact employer had his payments applied with no issues. I completed his form for him and put the same exact information but he was credited without any problem. The only difference is the time period and that I now work for the federal government. I have been trying to get 9 years worth of PSLF credit added since the changes were announced in XX/XX/XXXX. I am over 120 payments and would love for my balance to finally be forgiven.
Product: Debt collection

XX/XX/2021 Americollect signed for certified letter sent certified letter requesting them to remove from my credit report due to violating XXXX laws. They continue sending me old bill with my XXXX XXXX. 
XX/XX/2021 Americollect signed for certified letter Americollect representatives continue to call and harass me stating I have to pay them or they will call me til I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account Name 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
Product: Credit card

XXXX XXXX XXXX charged me {$30.00} for a thing of yogurt on XXXX. I want to contest the charge, because I know that I would not pay that much for a XXXX XXXX XXXX, even in an airport. I threw away the receipt. I recall that the yogurt was between {$10.00} and {$18.00} ( it was cheaper than sandwiches, and they were XXXX XXXX XXXX  ). 

XXXXXXXX XXXX  to their credit, allows you to look up a receipt online. All you need is the location, date and credit card transaction ID. If BoA were to provide me the transaction ID, for this charge, I would not have needed to involve them. 

From what I can tell, Bank of America does not give me any way to find out what the transaction IDs for any of my charges are anymore. This seems wrong. I looked online on both my phone and on my computer, and I called their phone support as well. Even the phone support person was unable to provide me the transaction ID for this credit card charge. 

This seems wrong. It seems like every charge a credit card company wants to hold me responsible for should be backed up with a transaction ID I can use to check back with the vendor with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$74.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9.00} ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, consumer.ftc.gov put out an announcement that consumers are entitled to " FREE weekly credit reports during COVID extended until XX/XX/XXXX ''. I ordered a free credit report from EQuifax on or around XX/XX/XXXX. Yet Equifax denied me my free credit report in a letter dated XX/XX/XXXX stating that I already received my free report within the past 12 months, which is a clear violation of the COVID-19 mandate.
Product: Credit reporting or other personal consumer reports

Carrington mortgage is reporting my mortgage as closed when it is not to credit reporting agency and not reporting current payments to credit reporting agency. Also I have a bankruptcy that is discharged and over 7 years old that was reported to credit agency by Carrington. I was told by Carrington mortgage that if i wanted my payments to be reported to credit agency that i had to refinance mortgage to todays interest rate which is higher than previous.
Product: Credit card

I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

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

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

XXXX XXXX XXXX # XXXX has violated my rights. 

1

5 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 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: Debt collection

I have been contacted multiple times at various times throughout the day.. EVERY day.. I advised the companies that these debts are not mine and that I have filed an identity theft report. I have not opened these accounts that they are saying are in collections from me.
Product: Credit card or prepaid card

I have a Best Buy Visa card that was never activated. I received an statement in XX/XX/XXXX stating a transaction made online for {$2500.00}. I intermediately called the costumer service and they told me my account had abother transaction for almost 2900.00 and that I had overpass the credit card limit which was {$5500.00}. My account had a balance of XXXX They referred me to security Department and initiated an investigation. I filed a police report and faxed the affidavit form with some information. Today I received a letter saying that the information submitted was not enough and that I was responsible for the balance on the account and that the investigation was closed. I called the costumer service number again and they told me my balance now was for XXXX They told me they could not do anything for me and gave me this number XXXX.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 theses violations.
Product: Debt collection

i disputed this item a few times with no success. this collection is falsely reporting the balance.
Product: Debt collection

Will you please verify that the information reported is XXXX XXXX accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

TRANSWORLD SYSTEMS {$68.00}