23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Care Credit Mastercard in which I have an interest free Promotional Balance for 24 months. On occasion I also charge other interest bearing charges to the account, herein referred to as the Regular Balance. Care Credit policy, as has been explained to me many times, is that I must pay the minimum balance on the card monthly, this is the amount that will be allocated toward paying down my Promotional Balance in the allotted time frame. Once the minimum balance obligation is met, their policy, as stated to me is that any payment above or additional is then allocated to the Regular Balance. This is important to me as, in order to avoid interest fees, I pay my credit cards in full each month. Care Credit is not following the policy stated above and as provided to me by Care Credit. I believe they are fraudulently and purposely misallocating payments to charge and/or maximize interest fees. 

Example : On XX/XX/20, I paid my minimum balance of {$150.00} as required and which, at this rate monthly, will pay off my interest free Promotional balance as required with a few months to spare. In the same billing cycle, the next day, I made a payment of {$54.00} to cover additional non-promotional purchases to date. This payment was not applied to my regular balance to cut down on interest fees and per their policy, but rather to my promotional balance. I contacted care credit and, after being given a hard time, they agreed to reallocate the funds to the regular balance. Also in this same billing cycle, on XX/XX/20, I wanted to make a final payment in the cycle to pay off the full regular balance to avoid interest charges. I contacted Care Credit prior to making the additional payment and was assured that, per their policy, the payment would allocate to the regular balance. I was very adamant that I wanted to ensure this payment be allocated to the regular balance. The rep agreed to make a note on the account to ensure this would happen. I hung up with the rep and immediately made the payment of {$190.00}. Today, XX/XX/20, I contacted Care Credit and was informed by the rep that payment was not allocated to the to the regular balance and AGAIN was allocated to the promotional balance, despite my reassurance by the rep, my request to the rep, and the note on the account. I was also again given a hard time regarding reallocation, even though it is per the policy. The second correction will again take 1-2 billing  cycles to complete. Care Credit should be following their policy without me contacting them to insist that they do. 

I have other examples of the same pattern that have happened previously. Based on my experience and the example above, I believe Care Credit Mastercard is  fraudulently and purposely mis-allocating payments to charge and/or maximize interest fees.
Product: Credit card or prepaid card

XX/XX/2022 I noticed fraudulent charges to my card for {$5300.00}. These charges were from unsolicited promotional account checks that were stolen from my mailbox. We had received a notification from our HOA that our mailbox had been broken into during the time that these charges occurred. My girlfriend had also had to dispute fraud charges resulting from similar unsolicited promotional account checks having also been stolen from the same mailbox. I don't use this card often and prior to the fraud charges, the balance was at or near XXXX. I never received a potential fraud notification from Barclays. I called Barclays and reported this as fraud. I was told I would receive a written followup of some sort within three billing cycles. I never received any written communication within this time frame. However during this same time frame, I received numerous collections calls from Barclays and then a collection agency. Per my understanding of FTC regulations, " The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I wrote to the collections agency telling them this debt was in dispute and to verify the debt. Only then in XXXX did I receive a letter from Barclays stating that they denied the fraud claim. No information about an appeals process was given. 

I believe Barclays did not follow correct procedures for handling my fraud dispute. I did not receive a written notice within 30 days of my claim. Barclays did take action to collect the disputed amount during the investigation, including involving a collections agency. The creditor did report me as delinquent and this has severely impacted my credit report. They did not resolve the investigation within the stated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, TransUnion and XXXX  concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( XXXX XXXX XXXX XXXX  ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX  was purchased by XXXX  and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by XXXX  and XXXX XXXX by reporting this other wise with out any documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a mortgage loan. Through that process I was informed that a tax lien was listed on my credit report through LexisNexis. The tax lien was not in my name. The representative at LexisNexis even told me it was in another persons name. They told me I had to file a dispute and that I could do it over the phone which I did. I was told it would take 60 days to have this matter resolved. I explained that this error was impacting the mortgage rate I qualified for and needed it resolved sooner. They told me there was no way they could resolve it sooner - even though they could see that the tax lien was not in my name and I had already called the City Clerks office and the IRS and had them confirm that there was no tax lien in my name in their records. LexisNexis said they would expedite my dispute. 

I heard nothing from them so on XX/XX/XXXX I called LexisNexis again. The representative told me that nothing had been done with my dispute but that she would escalate the RE-filed dispute and it would be taken care of as soon as possible. She apologized and told me Id be hearing from them soon. 

On XX/XX/XXXX I received a resolution letter from LexisNexis stating my dispute was verified and the tax lien would be removed from my credit report. 

I have been receiving telemarketing calls from debt-consolidation companies for people who owe the IRS - telling me my name may still have this lien attached to it. Sure enough, I called LexisNexis today ( XX/XX/XXXX ) and found out the lien has not been removed from my credit report. The representative apologized and said she would escalate this to get it resolved. She could not give me an answer as to when it would be taken off and also would not let me speak with anyone above her in the LexisNexis organization. 

This has cost me in time and money as I have no idea how long this has been on my credit report and I have not gotten lower interest rat on short or long-term loans due to this problem.
Product: Payday loan, title loan, or personal loan

Emailed XXXX early on Friday XX/XX/XXXX to ask for forbearance plan or skip a pay fee waiver or any other program for those affected by covid-19 like myself since I had a payment that would be auto-debited on XX/XX/XXXX. I did not get any response at all. Monday XX/XX/XXXX I emailed again. Early the next morning the payment was debited. I think institutions are supposed to be working with affected customers at this point which would at least involve SOME communication. Answering an email request for an online lender seems pretty reasonable of an expectation to me within 4 calendar days. Now I'll get an overdraft fee from my other bank too which is only their fault to the extent they didn't answer my email like it says they will within 2 business days.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations!
Product: Mortgage

We are trying to refinance our house. Fifth third will not release the escrow. We sent an email to them on XXXX XXXX. XXXX XXXX of XXXX  XXXX  is refinancing for us. His number is ( XXXX ) XXXX.
Product: Mortgage

On XX/XX/2023, we closed on a property purchase using an 80 % Loan to Cost loan from ACRA Lending located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The servicer is Citadel Servicing Corporation XXXX Acra Lending, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Our lender communicated a specific rate of 9.99 % through out the negotiation process, upon which we based the transaction and the purchase. We inquired several times and were assured of the closing terms as agreed. However, at the closing table, the documents reflected an 11.25 % rate, very different from what had been represented.t o us all along. We requested clarification and have been unable to obtain a satisfactory remedy from the lender. Their response was that there was nothing they could do about the change, that while they did not communicate the change in the rate and led us to believe our original rate was unchanged, they were not obligated to provide disclosure. 

As customers, we believe we were adversely disadvantaged by the lenders unfair change to the rate as previously agreed to. In addition, their slowness and incompleteness of communication had a real impact on the transaction including closing delays and timeline extended, leading to loss of revenue on the lease. Our resulting loan settlement required significantly more cash to close, there were multiple appraisal revaluations, unclear communication of certain terms ( such as the prepayment penalty ) and most impactful of all, the change in the rate I am filing this CFPB complaint unsuccessfully resolving the matter with the lender.
Product: Bank account or service

I applied for a citibank checking account, under a promotion that would award me XXXX XXXX XXXX Advantage miles after completing a few requirements in a specific time frame. I met the requirements in the specified time frame, and wrote to ask Citi when I would receive my points. I received a secure message confirming I met the requirements and letting me know I should expect to receive my points no later than the XX/XX/XXXX statement. Today I wrote citi through their online chat and wanted to confirm when I would receive the points, and was told that I would not receive them as I was not targeted for this promotion. I let the online representative know that I was, and that I had an email from citi confirming I had met all the requirements and would receive the points. She said ( paraphrasing ) nope. She did submit a case to their verification department, but told me without me finding the original targeted correspondence from them from about XXXX months ago that I would not receive the points. Ugh. What a headache. I have both the personal and the business citi XXXX cards and use them every month, for international travel, airline expenses and day to day business charges. It is disheartening that they do not want to honor the promotion I thought I received for being a good customer.
Product: Mortgage

I have automatic ACH payment processing setup with my mortgage company, PHH Mortgage. The payment is configured to draft from my checking account on the XX/XX/XXXX of each month. In the management section of the website where one can configure their payments, there is an option for additional principle payment along with your standard monthly mortgage payment. 

The day after my XXXX payment ( {$2500.00} ) was processed, I configured an additional principle payment of {$43000.00}. In the beginning of XXXX, {$45000.00} was debited from my account. This was expected as it is the sum total of my standard monthly payment with the extra principle I chose to pay. On XX/XX/XXXX, I logged into their account management website and removed the {$43000.00} additional interest payment, as I wanted it to be a one time payment. 

On XX/XX/XXXX, PHH Mortgage again attempted to debit my account for {$45000.00}. Upon calling them, they acknowledged their mistake and assured me it would not happen again. I explained to them that I was extremely unhappy as their mistake had caused both of my accounts to be overdrawn, essentially freezing all of my available funds and that I did not want this to happen again. They assured me once again that the issue had been addressed on their end and that the ACH payment would not be retried. 

On XX/XX/XXXX, they once again attempted to debit my account for {$45000.00}, again overdrafting my accounts and freezing all available funds. All of my funds have been frozen for at least 4 of the last 7 days because PHH refused to proactively intervene. 

I understand mistakes happen, however, there are a couple of issues that concern me here : First, they did not process my request to remove the additional principle payment until XX/XX/XXXX even though i initiated this change on their website more than two weeks prior. This would indicate to me that while I am making changes to my account electronically, there is still some sort of manual process being followed on their end that requires human intervention. I would suspect that there are federal regulations regarding this sort of thing to which PHH is not in compliance.

Secondly, PHH indicated to me that once an ACH is initiated on their end, they have no control to stop it or the subsequent retry attempts that may result from NSF situations. Again, I would suspect that this is not true and that there are probably federal banking regulations to which PHH is not in compliance.
Product: Debt collection

Since XXXX XXXX to XXXX we received a daily recorded message to call Global Credit XXXX XXXX XXXX regarding a debt. We never returned these calls. WE DO NOT HAVE ANY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX have an issue with the way my consumer report was improperly used. Pursuant to 15USC 1681n, a person who obtains a consumer report under false pretenses or knowingly without a permissible purpose must be held liable for their failure or damages. Proof of said failures and damages are included in the image attached to this complaint, which shows the consumer reporting agency ( Transunion ) is admitting to willfully failing to comply to the rules under this subchapter through deletion of seven inquiries that I did not consent to, authorize, nor benefit from when previously confronted. Therefore I am due remedy for each inquiry that caused damage to me and my consumer credit report. I demand {$1000.00} compensation for each inquiry listed below. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6. XXXXXXXX XXXX  XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex is still showing active the account is closed have n't used it since 2014/ was joint account w x-husband pls take this off was showing XXXX on XXXX XXXX for credit limit {$14000.00}. Each
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. " I am not requesting the verification or validation of any of these accounts. The accounts that are enumerated MUST be deleted. I am requesting that the credit reporting agency adhere to fair and equitable practices. I will file a complaint for default judgment on minor claims as a result of your violations. The credit reporting agency is required to remove any account that I identify as alleged identity theft in accordance with 15 U.S. Code 1681c-2. The accounts that must be removed are as follows. I am expressing my dissatisfaction with the contents of the attached file.
Product: Credit reporting or other personal consumer reports

Since 2021 I have been attacked by the crime of identity theft to the point that I had to resort on several occasions submitting various fraud claims in my credit bureau in the different credit reporting service provider company on this occasion, the company XXXX XXXX, makes a report in the Experian bureau of a debt in collection of the company XXXX XXXX XXXX XXXX, for an amount of XXXX dollars. Which I do not have any credit relationship with any of this company, for that reason I ask this company to verify said account through the corresponding channel and send the contract with said company
Product: Debt collection

On XX/XX/XXXX, Cedar Business Services alao doing business as Cedar Financial placed a collections account on all three of my credit reports for an alleged debt from XX/XX/XXXX from the Original creditor, XXXX. I did NOT make this purchase during that time. However I did make a purcahse with XXXX back in XX/XX/XXXX and I'm attaching the receipt so you can see that the purcahse that I made in XXXX of XXXX was definitely paid for. Now during this transaction that I did make in XXXX of XXXX there were several things that went wrong with the transaction. For starters, my card was charged twice for the one piece of furniture that I purcahsed which was a dining table set. I reached out to a Supervisor at XXXX and he assured me they would refund the charge because he seen where the account had indeed been charged twice for the one dining table set. They did refund my account for the second charge. Next, when the dining table set arrived the middle leg piece what the table sits on was broken. I again, reached out to XXXX and spoke with another supervisor who explained to me that they were sorry this happened and would send out the replacement piece at no charge to me. They did send out another middle leg piece for the table. This was the first and last time I've ever purchased anything from XXXX because of all the issues and me having to go through so much with them to get them to send out a replacement piece and for them to refund my account. I had to actually speak with a couple of supervisors because it took a while for the replacement piece to arrive. 
After this purcahse and debacle that I went through I have never dealt with XXXX again and have never heard anything else from them. 

Now years later, a collections company Cedar Business Services also doing business as Cedar Financial has placed an alleged collection account debt on my credit report saying I've made a purcahse from XXXX in the amount of {$590.00} on XXXX XXXX. I did NOT make this purchase and Have no idea as to what purcahse they are speaking of. The only thing that I can think of was the pircahse I made back in XXXX of XXXX amd all the mistakes that were made from my previous purcahse back in XX/XX/XXXX. 

I'm attaching a copy of the receipt where you will see where there were clearly two charges on my card and then you will also see where they refunded the second charge back to me. You will clearly see the one charge on my card where the purchase was indeed paid for. You will also see, where the replacement piece ( broken damaged middle leg was returned to them ). You will also see where they have something on there that says bad debt but this is untrue because you can see where they charged my card for the dining table set. 
I would like for the CFPB to have Cedar Business Services also known as Cedar Financial to remove this debt from my credit reports.