23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning since XX/XX/2018 I have sent disputes every 35 days to fix inaccurate info on my credit files. I am writting regarding an Complaint that I have with Transunion and XXXX. XXXX XXXX is the account name, they say the balance is {$1300.00} I have disputed with both bureaus asking them to please delete as this is not my debt. But it comes back as verfied. I question the validity of this and I suspect they are using XXXX automated verification along with 3rd party means of verification when they should be doing their due dilligence. I suspect they are using XXXX because it is the same generic response everytime either verified or meets FCRA. And they have nothing linking me to the debts. Also account summaries sent is nowhere near proper verification. I have requested account validation and I have had zero reponse. XXXX has stopped responding and said they will no longer investigate. This is a direct violation of my rights and by law they have to investigate but since it has been longer than 30 days that is yet another violation, and I request that They delete. They were unable to provide any signed documentation that tied me to the debt or any " instrument of indebtedness '' and since none of this was provided and per Fair Credit Reporting act I would like my rights protected and for Transunion to delete this account please.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased and mailed a {$500.00} money order through Western Union to XXXX XXXX  which was later confirmed to be cashed on XX/XX/year>. Upon learning it was cashed, I contacted XXXX XXXX, who confirmed they hadnt received it. I initiated a tracing request with Western Union on XX/XX/year>. After multiple follow-ups, I received a photocopy of the cashed money order by email over 70 days later, revealing that the payee and other fields had been altered. 

There have been long delays and conflicting information from representatives, with instructions that varied. One instruction was to submit a notarized affidavit form by mail to the Forgery Department, which I did. On XX/XX/year>, I received an email from the Forgery Department stating they received my documents and that the forgery process would initiate the following week, with an estimated resolution time of 90-120 days. 

However, in several calls with representatives, I was informed that my refund check was processed on XX/XX/year>, and should have arrived by XX/XX/XXXX, XXXX I have not received it. 

So far, this case has cost me {$26.00}.
Product: Credit reporting or other personal consumer reports

In XXXX I filed a dispute with experian about transworld. They put a bill on my credit report. My information was not correct the company never notified. I been a victim of several data breaches. I informed them that I wasn't in XXXX  or XXXX XXXX. They have My address on file. Yet they ask for me to send my personal information after it was a data breach with the credit bureaus my information was compromised. It wasn't properly investigated. I wasn't properly notified and wasn't able to dispute it. Based on the email it was sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/23 I have spoken to a total of 10 people. I have an invalid 60 day delinquent reporting on my Credit report and a high amount Mortgage. I do not have any delinquent accounts, nor do I have a mortgage as I have lived in the same apartment for 16 years. Experian has transferred me back and forth between Memberships and the Dispute Department all of which claim they can not assist me. I also spoke to a supervisor who advised me to call FICO, who told me that don't know why I was told to call them as they could not assist me either. I am VERY frustrated and at a lost. I only want to remove invalid information from my credit report and have received NO help in doing so from the company that is reporting invalid information.
Product: Mortgage

On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from Bayview Loan Servicing. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to Bayview. 
I called Bayview they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from XXXX XXXX. I received a Notice of default dated XXXX XXXX and no modification. I called Bayview and the said everything was sent to XXXX XXXX and they would honor the modification.
Product: Mortgage

HAMP Modification loan has been permanently modified ... yet still getting calls that i am late ... 

online website to pay does not reflect new payment and that I am behind in payments Customer service has been a nightmare and no help
Product: Bank account or service

I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.
Product: Credit reporting

I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
Product: Credit card or prepaid card

I used Bank of America ( BoA ) for an online balance transfer from a different card, we wanted better 0 % rates. 2 weeks went by without any confirmation of a transfer. On the 3rd week I checked both the BoA account and the other account. Neither showed any activity beyond what I had paid. At this point I also had not received any mail from BoA either. So I went back online and attempted a 2nd time to make a balance transfer, but this time through a check in the mail. I did receive the check and the literature that is normally associated with these activities from BoA. I used the check to create a balance transfer and it was successful. 

A few days later a second online transfer was made and I did receive the same information I had received from the check transfer a few days earlier. I called BoA and inquired about the details of the online transfer. After much dialogue, BoA stated that they made a mistake and that I simply needed to ask the credit card I was transferring out of for a refund, apply it to the BoA account ; and when that was complete I could call BoA would remove the 2nd transfer fee because it was their error. It was stated they would have notes in the system. 

All this was performed and when I called BoA they stated they would not remove the 2nd fee. To insult to financial injury the original BoA person who was adding the notes into the system gave me a direct number to the BoA Balance Transfer Specialist Department that actually was for the XXXX XXXX XXXX XXXX, or airport lounge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL, INC, Inquiry : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Debt collection

I have received multiple calls early in the morning and on weekends trying to collect debts from me. Even after answering there are still continued calls
Product: Debt collection

Attempting to collect an alleged {$840.00} public utilities bill which was from the COVID-19 National Emergency Declaration and the state of New Jersey Declaration . The debt was handled by the LIHEAP  and was assigned a case number and processing info. 

The amount claimed was declared under the COVID-19 emergency and was NOT owed based on COVID-19 laws as well as communications which was sent to the utility company directly. 

No communication was made with CCI Contract Callers Inc., an independent third-party company that purports itself to collect debt for XXXX. No written communication was sent by CCI confirming their ownership of this debt as XXXX generally handles collections internally and will contact consumers first, but none of the above was done. 

CCI has attached itself to credit profiles and has added Grid Codes to the credit files in question and has not satisfied, in accordance with, the FDCPA and/or the FCRA their right to take such action which is a violation of both FDCPA and FCRA.

CCI is not known to have conducted any business with me directly and is unknown.

The debt in question falls within the protected COVID-19 emergency and extended emergency period within the State of New Jersey and is, therefore, exempt from collection efforts as it was assigned to LIHEAP.

CCI has many complaints for incorrect collection practices and is NOT an honest company as they are delinquent in paying their bills including employees which is a violation of State and Federal regulations.
Product: Credit card or prepaid card

I have a PNC Everyday Rewards card that I earn cashback on. My cashback has started to " expire '' and I am now losing that cashback. In order to cash-out, the minimum is 100 % which is difficult if your cashback is expiring. There's no easy place or location to see this rule nor is it transparent to me as the consumer as to what is the expiration period and how long it goes back. 

As an example, my most recent history statement, I started with {$85.00} going into the month. I earned {$10.00} but my new balance is only {$88.00}! 

I have tried contacting PNC to request an early payout but they said there was nothing they could do. 

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

Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. XXXX, Transunion, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Commerce Bank has a feature in their app and on their website that allows consumers to receive notifications ( via email and notification pushes on their phone ) when their balance falls below a set amount. I have had this amount set to {$150.00} so I can be notified when my account balance is low. This feature has only worked one time for me. Commerce Bank even contacted me and indicated their system was having errors pushing notifications to consumers ' phones through this feature and they were trying to fix the issue. I never received a confirmation that the issue was resolved. That being said, I have been on hold through live chat or on the phone for over 10 hours combined to notify them that this feature still isn't working correctly. I even turned the feature off and back on again. Additionally, I have had several overdraft notifications due to this tech error. The overdraft placed the negative amount on my Commerce Visa to the nearest {$50.00} increment along with a {$10.00} fee. For example, if my account dropped to XXXX, I would not receive the notification that it was below my set {$150.00} balance and my Commerce Visa would be charged {$150.00} + {$10.00} to cover the overdraft. In the most recent occurrence of this happening, I had a balance transfer in to cover a negative balance on my account, but this was also followed by the overdraft protection. I addressed this with Commerce customer service and asked that the overdraft be reversed since it came the same day as my outside transfer deposit. The representative told me that they would put in the request to have it reversed as I did my due diligence to make sure the negative balance was covered. They stated that a cash advance would be put on my credit card to cover the overdraft. This cash advance did not occur. When I contacted Commerce customer service again, they said that the request was denied and the bank stated it was not their fault but rather mine. I reported, again, that the low balance feature is not working correctly, even when email notifications are turned on for it. I have checked my spam folder and made sure my notifications for the application are on multiple times. I have attached a message sent to me regarding Commerce Bank acknowledging the technical Iissue with notifications.
Product: Credit card

Opened a NEW Harbor Freight charge acct in XX/XX/XXXX. Card is serviced by Synchrony Bank. Promotion was get 10 % off entire FIRST purchase when you open an account. I made my 1st purchase on XX/XX/XXXX and rec 'd 10 % discount as advertised. Also included as a CARDMEMBER benefit promotion was to receive 5 % unlimited rewards -OR- to receive 0 % interest ( amounts over {$290.00} & equal payments ). Go to harborfreight.com/credit and you can view the offer on their website. 10 % discount to open an account & use for 1st purchase THEN either 5 % rewards OR 0 % interest terms. I placed {$3500.00} on the card for 1st purchase which was NET of the 10 % new acct terms. I received XX/XX/XXXX statement for {$3500.00} and paid {$150.00} on XX/XX/XXXX within terms. I calc 'd the {$150.00} myself as a means to pay the purchase off in 24 mos even though one of the items qualified for 36 mos. I received the XX/XX/XXXX statement and it had {$92.00} of interest charges ( 31.99 % APR ). I called Synchrony on XX/XX/XXXX and was told by C/S rep that I had taken 10 % discount on purchase and items didn't qualify for 0 % free interest. IE : it was 10 % disc OR 0 % interest - not both. I went back and reviewed Harbor Freight website and it was clearly stated as I have described above. I called back same day and got a C/S Mgr XXXX and explained the issue. Actually, I suggested that it was blatant fraud on Synchrony. I told Mgr to go to HF website to view herself. The Mgr did fairly easily credit back the {$92.00} interest charge however I am not confident that the account is now managed as 0 % interest for the duration. The Mgr stated it would go to the " Promotions Dept '' for review and I would be contacted. I also told XXXX that ALL NEW ACCOUNTS should be reviewed and any finance charges should be adjusted. I commented that the verbage for the promotion was clear on HF website and suggested that this was a fraudulent practice by Synchrony. The statement even includes 0 % promotional advertising on page 2. I was fortunate to have caught this but what about the thousands of other customers? Synchrony or Harbor Freight is not going to willing go back and adjust accounts on their own. CFPB must investigate and correct this!
Product: Debt collection

XXXX XXXX with a company called Compass Group has been calling my family members, friends and landlord trying to collect a debt I have already arranged with a consolidating company to resolve. I have told him multiple times to stop calling but the calls continue.
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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Checking or savings account

Its been so many times cash app has allowed things to be taking out my account.! I have asked them to block the merchant a they did but still allowed for the merchant to keeep trying to take money.! Also it was a time they tried to close my account a said I wasnt who was in the card Information after I proved myself with my id an everything.! They said they was closing my scout if I didnt order a new card mind you I just ordered XXXX that came in the mail the same day all this happened plus my new card wasnt even activated at the time but stuff was still being charged.. then when I activated my new card it stuff was still being charged. I alw So asked them to close my account a they wouldnt.!
Product: Student loan

On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!
Product: Credit card

My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.
Product: Debt collection

I have received a large volume of calls, which I have refused to answer due to the stressful nature of my situation, and to being either asleep or working during. As I didn't answer them, I don't expect them to know my schedule, but they have repeatedly violated ftc guidelines for maximum number of calls in a 7 day period m, and have tried to conceal this fact by using private numbers, and/ spoofing to get me to answer. Due to the nature of their tactics, I am unable to ascertain whether the malfactor is bank of America, XXXX, or both. I dont believe it'd be difficult to find out which one has been using these tactics. Regardless, one or both of these corporations has blatantly ignored federal guidelines.
Product: Debt collection

Dear CFPB, I am writing to formally request your assistance regarding my ongoing issues with Portfolio Recovery. Despite multiple attempts to obtain a contractual agreement, I have never conducted any business with them. I have reached out four times, but they have failed to provide the requested documentation. 

Additionally, Portfolio Recovery is listed on all of my credit reports, despite my disputes with XXXX, XXXX, and XXXX. These collections remain unresolved on my reports. 

Most recently, I received a letter from Portfolio Recovery stating they will no longer respond to my requests. I believe this is an unfair practice, and I would appreciate your intervention in this matter. 

Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

Account was closed on XX/XX/19 when only action I took was due to what their support told me to do