23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got it.
Product: Credit card

I PAY FOR SAPPHIRE CREDIT CARD, WHICH YOU EARN POINTS FOR PURCHASES. I EARNED XXXX POINTS. I WANTED TO BOOK AN AIRLINE TICKET. I WAS TOLD THAT IN ADDITION TO MY FULL AMOUNT OF POINTS THAT I HAVE TO PAY ADDITIONAL {$970.00}. I LOOKED UP XXXX CLASS WITH XXXX XXXX, IN WHICH I WAS GOING TO USE FOR POINTS. THE COST IS {$900.00}. CHASE WAS GOING TO TAKE ALL MY POINTS AND HAVE ME PAY MORE THAN THE COST OF THE TICKET. THIS IS A SCAM. THEY SHOULD NOT GET AWAY WITH THIS.
Product: Credit card or prepaid card

I have made all of my required payments it was a issue with my bank account where it would reflag or say it was insufficient funds I have screen shots if it saying it was a issue but capital one closed my account because of it I tried to show them or provide proof of what I was saying but they told me it was nothing they could do about my situation
Product: Checking or savings account

My business account XXXX XXXX XXXX XXXX  ) was closed by the company ( Citizens Bank ) and my funds was not mailed to me in a form of a check.
Product: Debt collection

XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
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
Product: Credit card

On XXXX XXXX2025 I received a letter from Synchrony Bank/ Rooms to Go concerning my account. The letter stated that they were closing my account for the reason that I was a high risk of failure to pay. I am a XXXXXXXX XXXX XXXX XXXX with a fico score of XXXX. My account is set to auto pay and Ive never missed a payment. I called their accounts representative and found out not only did they close my Rooms to Go card but also my TJ Maxx and XXXX XXXX which I might add had XXXX balances and no payment ever missed. I dont use those cards often during the year if at all. Im not really concerned about the cards but the manner and excuse they used to close them.

My husband died 10 years ago and I have worked diligently to get my credit rating to the Rating that it is today. I have been treated unfairly and its caused me a lot of XXXX  for no good reason. 

I would greatly appreciate your help with this matter. 
Sincerely
Product: Checking or savings account

XX/XX/XXXX - Check XXXX for {$3500.00} sent to XXXX XXXX XXXX at subcontracted consultants home. 
XXXX  - Check cashed at XXXX XXXX XXXXXXXX ( not a XXXX XXXX  has ever had account with ; signature she does not recognize. 
XXXX  Consultant says she never received check. I call bank. They say check was cashed on XXXX at XXXX XXXX XXXX XXXX  I was eft on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XXXX  I spoke with XXXX at Capital One who tells me dispute is now an open investigation and they will get back to me within 15 days. 
XX/XX/XXXX - On phone, she tells me that she has sent an email to XXXX the Capital One investigator and that he will get back to me. Hes waiting to hear from XXXX XXXX  XXXX. No affidavit needed. 
XX/XX/XXXX I get an email requesting affidavit from milestones XX/XX/XXXX I spoke with XXXX in person at XXXX XXXX Capital One branch XXXX He talked to person who talked to investigator. They said no timeframe for these things but theyre working on it and will get back to me. 
XX/XX/XXXX - Consultant fills out and sends me affidavit XXXX XXXX I receive affidavit ( filled out as Consultant not as XXXX  ) XXXX  - I scan and email affidavit and a document showing Consultant link to Milestones ) as requested to Capital One. 
XX/XX/XXXX I went to Capital One branch in XXXX XXXX and talked with XXXX. Put in a complaint. They said it could take a while. Maybe call on Friday. 
XXXX  - On phone with XXXX and had to describe the whole situation again. She informed that Capitol One is waiting on XXXX XXXX  XXXX to return the funds and they have opened their own investigation. No time frame. I told them I would file complaint with CFPB XXXX XXXX On phone with XXXX. He said that they acknowledge this as fraud and have submitted documents to Bank XXXX XXXX but have not heard back, and theres nothing more XXXX XXXX can do. I asked him to put pressure on XXXX XXXX  XXXX. I asked him who I could talk to at XXXX XXXX XXXX and he said I could try calling their fraud department. I told him that this is between Capitol One and XXXX XXXX XXXXXXXX so why should I be robbed? If I didnt care about the security of sending {$3500.00}, I could have sent cash. Using their check is supposed to protect me from this. He tried to soothe me but said its up to XXXX XXXX XXXX. 
XX/XX/XXXX Initiated complaint with CFPB
Product: Checking or savings account

I received a call from the bank ( Truist ) on XX/XX/22 asking if I requested that a new debit card be sent to new address. I said no. I called the bank back and they said they did not make the call, and they referred me to their fraud department, the lady said she would put a note on my account but at that point there was no unusual activity. Then I got a call from someone ( at the same number I used to call Truist ) saying that they were following up on my fraud incident ( the name was XXXX ) and then he sent my an authentication code via text and asked me to read it to him, then to the best of my memory he asked me to enter my pin via by typing the pin into my phone ( and that for security reasons, he wouldnt ask me my pin. ). He then said he would look into the situation and follow-up and that a new card would be sent to me. He called back on XX/XX/22, following up, saying before he could assist he needed to send me an authentication code to verify my identity. I read the code to him, then he asked if I wanted the card sent to me overnight. He said I could continue using my existing card until I received a new card in the mail. I told him no, because I wasnt going to be home and didnt want the card to sit outside. He then said oh are you going out of town ( I thought that was weird ) and I said no. Then he assured me the card would be sent, and we hung up. Then overnight I had multiple cash withdrawals, transfers and a debit purchase. Money was taken from both my checking and savings account. I have entered a claim with Truist Bank, went to the bank to open up a new account and I called the police to file a report, but they say I need proof of the claim from Truist before they could move forward with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows inaccuracy in the report of the 3 credit agencies showing in XXXX that in XXXX and XX/XX/2018 late payments were made, and in XXXX  XXXX and XXXX. thing in which I never had any late payments, and this report is negatively affecting me.
Product: Checking or savings account

I have held for more than 2 years various currency and crypto currency within the account where i have mainly held for savings. On at least one occassion I have transfered OUT funds with no issue. On XX/XX/2020 I looked to transfer funds to another account in my name. After the PROMOTION of a 15 minute normal transfer I saw an email that stated they were withholding my funds for 72 hours. I needed the funds immediately as it would end of costing me XXXX dollars by not having funds in its righful place. 
As they do not have a toll free or any number to speak with a human being they only offer reaching out with a online form. I did this immediately, where I advised this HOLD for security purposes needs to be released and that I would do whatever it took to prove my identity. As well I made it clear this would be costing me if I could not get the funds. 
I recieved an email back quickly asking for a screenshot of my issue. Once I returned the email with what was taking place and asking how to resolve the hold, I got a bounce back email from the company and thus they cut of my communication on the issue. I then tried to start over with a new form and ultimately got nowhere. With no help. 
As noted not having funds transfered did cost me XXXX dollars. After 72 hours the funds were released but it was too late. As well 5 days after the fact they sent an email on the process to release funds within minutes rather than waiting 72 hours, but of cource it was 5 days late. 
In the end I have tried to reach executves at the company and requested the email to get back to me with a phone call. To this point no one has acknowledged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} XXXX # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balanced $ XXXX # XXXX XXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced {$280.00} # XXXX XXXX  XXXX Account Opned XX/XX/XXXX Balanced {$220.00} # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was talking to a lender over the email and he pulled my credit without my consent or written approval. Upon asking for reason he mentioned its in disclaimer and ignored to help with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ XXXX  , WAYFAIR , & VICTORIA SECRET is reporting inaccurate 30 day late payments on my credit report. I spoke with a representative about why they are reporting over 3 months of late payments. I applied for their hardship program that I'm currently on. I was set up on automated payments that I have been making on time every month. When I spoke with this representative she informed that until I get " current and caught up with the original monthly payment, that It will show as late payments and they will not remove them! This is erroneous!! and I violation to say the least. 
I am requesting that they remove XXXX and XX/XX/ Late payments. I was not late, made the payments on time! They need to be more upfront with their customers and make them aware of what they are getting themselves into when filing for hardship. Hardship programs are supposed to help people not XXXX them over!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Mortgage

I have continually asked for a monthly mortgage disclosure prior to the the payment being due. You know like a statement. I have received one so far. Additionally I have no idea where the PMI is going. Seeing is the PMI has gone up every year yet insurance has stayed about the same and my taxes have gone down, id like to keep a closer eye on escrow. I absolutely need a monthly billing statement. As I have screenshots of multiple different loan balances, months and dates the loan originated, as well as escrow payments made. Its rather confusing. I recently looked into the credit beaures and they also have inaccurate information being provided. As of today I had a friend take a look and there are actually 3 mortgages out on my home. I am aware of 2 seeing that the down payment assistance is concsidered a secondary mortgage. I am not sure if this is a lender issue or a title issue. Either ways having fair treatment and accurate information would be great. I mean it wasnt so long ago someone elses information and loan were in my portle. Can you please assist me in getting US bank to deliver a paper document to my home monthly so I have a clear understanding of what I am paying for and what Im not.
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent account from my credit report, I have enclosed the necessary documentation from the FTC Here is the account XXXX XXXX XXXX Date Opened : XXXX XXXX, 2017 Balance : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting or other personal consumer reports

I PAID MORGATE ON TIME TO CATHAY BANK SINCE XX/XX/2023, BUT I GOT CHARGE FEE FOR TOTAL XXXX LATE PAYMENTS FEE ( FOR XXXX AND XXXX ) I HAVE CALLED AND WENT TO THE XXXX XXXX  IN XXXX XXXX TO GET FIX BUT 2 MONTHS WENT BY NO REPLIED BY ANY FORMS
Product: Debt collection

A debt collector left a message pertaining to me, on my parents answering machine, whom do not live at my address, are not legally responsible for me, who do not have the same phone number as me, and who does not need to know my personal, private, business. This is illegal.
Product: Money transfers

I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a new resident to XXXX. I went to XXXX XXXX XXXX XXXX  to purchase a brand new vehicle. It was a HORRIFIC experience. The sales team kept me there for 7 hours. From XXXX to XXXX. I told the sales man the type of vechicle I wanted- a XXXX  XXXX XXXX   with a sunroof. He told me they had my car- then, at the end of the night, they told me the new XXXX dont have a sunroof- which was a lie. My 'brand new ' vehicle had several scratches and 2 small dents. There were no mats and no spare key and no service manuals in the car- I was exhausted and it was so late at night, I didnt notice all these things were missing until after I had signed for the vechicle. The sales manager- XXXX -XXXX-XXXX-XXXX said he would make it up to me and get me a sunroof- Then I found out the next day that the finance manager ran my credit 13 times!!!!!!! He told me he was only going to pull my credit one time- he did not tell me there would be 13 inquiries on my score- My credit score was XXXX, It went down to XXXX. I am trying to buy a house, but this company has destroyed my credit. I have been contacting the dealership monthly - XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 at XXXX - I spoke to XXXX in Finance- He tells me he has never heard of this before- I explained that XXXX XXXX XXXX Ran all these inquiries without my authorization and consent. I went into the service department to speak to someone about this problem in XXXX. There was a customer in there yelling and screaming that he has brought his car here and he has paid thousands of dollars and they still have not fixed his car. I could not speak to anyone because they had to call security for this frantic customer. I see now there are several negative commentaries online- I wish I had read all of this before purchasing my vehicle here. It has been the worst experience ever. The sales manager XXXX tells me to my face that he will fix everything- he has done nothing. I did not authorize 13 credit pulls - and XXXX XXXX XXXX needs to drop these credit inquiries. I hope CFPB will investigate this and I am happy to go public or have this information published because it is predatory and unconscionable - bad business practice.
Product: Debt collection

Midland Credit Management mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " XXXX XXXX  XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that Midland may respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, XXXXXXXX XXXX and Midland Credit Management. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXXXXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

Costco switched exclusive credit card companies in 2016 from XXXX ( XXXX ) to Citi. We had our XXXX card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the XXXX card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our XXXX account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( XXXX through XXXX I believe ) our account received approximately {$130.00} of late fees and interest charges. We were finally contacted by a debt collector in XXXX. The debt collector gave us a number at Citi to contact for dispute. Upon calling XXXX Citi informed us they could n't comment on the account, it had been locked out by legal department. Only way to get any information and have the account unlocked so they could help was to pay the debt collector. After several calls we decided to pay the debt collector even though we were unsure if our account had fraudulent charges ( again, we knew nothing about the policy to send our account balance to Citi ). Upon paying the Citi we called back to the dispute department. After several weeks our account was unlocked but closed. The dispute team could n't refund our money and said there was nothing that could be done due to our account being closed. We submitted a letter to dispute and it was ruled in favor of Citi.