23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have contacted American Express rewards program more times I can count, at least 10 times. My father had enough points to request 2 {$500.00} XXXX XXXX XXXX, per the customer service rep. the first five times I requested the gift cards, starting in XX/XX/2023, I received a generic back office reply stating that I did not submit all of the information. Customer service, the only department I could speak wtih, could not clarify what information was missing, and I had submitted all requested documents, including my dad 's will, my dad 's death certificate, letters of office stating that I could act as an independent co-executor, and details of the redemption request. Finally in XX/XX/2023 my attorney got involved, and Amex requested that I get my siblings to also authorize the redemption. When that was finally completed, I received a letter back that the gift cards were not available. When I recently called they indicated that that program went away in XX/XX/2023, and now I could only get Amex an gift card for {$500.00}, half the value of the original promised redemption and all notes are on our record that document the numerous emails and phone calls I have made to them over the past 6+ months. I have been caught in an endless customer service loop, and the value of my father 's estate should not be halved due to the original claim date. This has been an endless and very frustrating experience that has not yet been resolved.
Product: Mortgage

Ive been trying to figure out my escrow account with my mortgage compnay an i called them today XX/XX/2020. I was informed that its empty, actually XXXX  negative. An that they would get back with answers on XXXX of XX/XX/2020. I went through this with them before an cfpb had to get involved. This is why i am not waiting till the XXXX of thia month. I paid XXXX all of last year for a total. XXXX. Plus ive paid four months at XXXX of this year for total of XXXX. I pay XXXX a year tax, XXXX home insurance and XXXX flood. I spoke to my mortgage company around XXXX first about switching my flood bc they hadn't recieved the information where i switched to the cheaper XXXX a year from the more expensive XXXX a year. I asked them if id get it back, the difference and they said yes. An when i called today on XX/XX/2020 they said it was negative XXXX and they would look into it. I know what i pay in and what payments go out. Can not be empty.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USCc # 11681. 

Account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX  XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

If you look at the credit reporting in XXXX and other credit bureaus my account was opened on XX/XX/XXXX. XXXX XXXX is the first reporting so they have failed to report all of those on time made payments from XXXX. XX/XX/XXXX my payment was made on time and not reported. XXXX and XX/XX/XXXX payments were made on time and not reported. XX/XX/XXXX I was reported over 30 days past due when in the previous months from XXXX XXXX the whole account was under dispute and in XX/XX/XXXX they reported me as 30 days past due when they received payment for XXXX on time and in full. This company also used robocalls to try to collect during that time period. One of their agents put a cease and desist on my account as a retaliatory action for me escalating to a supervisor which hurts the agents score card. They did not investigate as requested and did not give me an answer in the 30 day time period by law. This company has broken the FCRA and the FDCPA many many times. This is not a duplicate complaint this is an ongoing issue that has never been resolved. This company is also reporting the debt wrong they report the balance but not the {$4600.00} credit limit that my desktop from their account of mine shows the balance and the credit limit of {$4600.00}. Their reporting results in the attached picture showing that I am using 120 % of my credit limit which is false. I dont owe any of this debt due to breech of contract, broken terms, never received my second welcome gift, and one of their agents made changes to my account without my knowledge or consent, I asked for that call to be pulled the day it happened and they did not comply.
Product: Checking or savings account

A supposed bank calling itself " XXXX  '' keeps emailing me. I believe the bank has a predatory practice of falsely claiming that individuals have opened an account with them in order to get individuals to respond and interact with the bank. 

They keep emailing me again and again. 

I believe this is predatory behavior rather than inadvertent because when I XXXX the company many other Americans have received the same emails pretending that we are clients with them in order to initiate contact with us. To what end, I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX, XXXX, MA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Product: Credit reporting

I am XXXX years old. I have bought XXXX houses, numerous auto 's, have had several credit cards and several bank loans. I have also purchased for and paid for several acres of raw land. All of these transactions are fully paid for. I now have no credit score and very little information in my credit file. What has happened to all of this information? I would like for all of the pertinent information put back into my credit file. The lack of this information is affecting my ability to use credit. There should be NO adverse information in my file as I have had fewer than XXXX late fee charges since 1963.
Product: Mortgage

This company name XXXX XXXXXX/XX/XXXX took money out my account, after I close my account XX/XX/XXXX, I have repeatedly called this company, and this company keeps on giving me dates on when they'll put the money back in my account, and never does. They don't mind lying to you. Now it'sXX/XX/XXXX and still no money has been transferred back to my account. After pulling up reviews about this company from past customers, I see this is a common practice with this company about computer glitches and slow getting money back to people, and supervisors that are rude and no help to you, and will hang up on you.
Product: Credit reporting or other personal consumer reports

am filing this complaint against Equifax for their improper reinsertion of two previously deleted fraudulent accounts onto my credit report without proper notification or validation, in violation of the Fair Credit Reporting Act ( FCRA ). 

The following fraudulent accounts were initially removed after being disputed as the result of identity theft, yet Equifax has now reinserted them without adhering to FCRA requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name without my consent and were a direct result of identity theft tied to the Equifax data breach, which exposed my personal information. XXXX reinsertion of these accounts as closed has occurred without proper notification or verification, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 

This failure to notify me or validate the legitimacy of these accounts is not only a violation of the FCRA but also an obstruction of my ability to maintain accurate credit information. Equifax has failed to provide transparency regarding the investigation process and has repeatedly ignored my attempts to resolve this matter. 

Their actions have caused significant harm to my credit profile, delayed my ability to resolve the fallout from the identity theft, and caused emotional distress due to the unnecessary complications they have created. Equifaxs mishandling of my disputes and reinsertion of fraudulent accounts demonstrates gross negligence and disregard for federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$4900.00}
Product: Mortgage

In XX/XX/2018, I applied for a loan modification with my servicer Bayview Loan Servicing. I was advised after the paperwork was submitted that the " single point of contact '' or " relationship manager '' had changed and therefore I had to resubmit all of the paperwork. By the time I was advised of this, and the paperwork was resent ( XX/XX/2018 ) I was advised that my request for a loan modification could not be reviewed as they ( Bayview ) had set a foreclosure sale date for XX/XX/2018. Although the documents were resubmitted again last week ( XX/XX/2018 ), I fear that no one will acknowledge receipt of the documents nor review my request. 

I feel I have stable enough income to pursue a loan modification, and I am even willing to sell the property should a loan modification not work out. I am, however, upset that Bayview will not work with me to try to keep my home or work out a solution when I have been very transparent with them about my hardship and have complied with any/all requests for documents.
Product: Debt collection

XXXX : XXXX On today XXXX XXXX at approximately XXXX at no caller ID contacted me by phone stating that I was about to be took to court on false charges and allegations that I had no clue about. The contact person name XXXX stated it was from a diamond jewelry store in XXXX NC in XXXX. I have never lived in XXXX or even heard of the company. I dont have or own any diamonds and never had a purchase for it. I proceed to let her know that this is fraud and I would be making a report. She called out my whole social which was really a red flag. She also sent the document like I ask her and immediately I noticed the date was wrong. I explain to her that I started working for the federal government in XXXX and have and had a active top secret clearance which there is no way I would have missed this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Product: Credit card or prepaid card

On XXXX, I ordered an item XXXX XXXX ( yellow ) on store card account XXXX. 
todate, i have " not '' received the item, but, amazon - sychrony has Prematurely billed me for the amount of XXXX, and, made threats of forwarding information To credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted Nissan-infiniti to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under Nissan-Infiniti account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of Nissan-Infiniti for almost 10 years ( with a total of 5 cars leased through NMAC ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has deen sending me collection notices in the amount of XXXX. The collection has been posted as past due balance. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Product: Vehicle loan or lease

My vehicle was a total loss. My insurance company has paid their portion and now I'm on to my gap insurance. I have contacted Ally financial over the last 2 weeks requesting copies of my loan history and MSRP to provide to my gap to finally get the loan paid off. I have spent hours on the phone being told they wont provide the MSRP and I have yet to receive a copy of the loan history either by fax or in the mail all of which I am constantly requesting. I believe they are trying to milk up as much interest as they can and refusing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit card or prepaid card

I applied for CityBank master card and was denied. The letter says that my application was denied based on XXXX credit report, which include 3 reasons : 1. filed bankruptcy 2. previous or existing accounts have history of late payments 3. Credit privileges on my existing accounts are restricted. 

According to my XXXX  report none of this information is correct and none of this is on my credit report. No bankruptcy, no accounts in City Bank. 

I called CityBank on XX/XX/XXXX to inquire about this erroneous information and talked to the rep from Application Department. She told me that even though this information is not on my Experian report, the City Bank used its own records from XXXX ( 20 years ago ) when I filed for bankruptcy in addition to my score in decision process. I wonder if The bank has a right to keep this kind of information on clients and if it can use it against clients after 20 years. 

My application ID XXXX.
Product: Money transfer, virtual currency, or money service

Hi I transferred from Citibank {$100000.00} on the XX/XX/XXXX using a  stored procedure I have used 3-4 times before to send money to my bank in XXXX. The was a minor error in the account number which existed for the previous transfers that I was never advised about before and never delayed the transfer. The error in the account number pointed to a different back in XXXX even though I clearly told Citibank which bank it did go to. I found out from my XXXX bank after he checked the info. I told Citibank every day for 3 weeks but they refused to listen. The funds are still not in my account. This is an incredible disaster causing me ill health, as I can't sleep I want my money and compensation. Can you help?
Product: Debt collection

i pull my credit report and i see this debt that i am unfamiliar with i tried to contact them and also sent m, y dispute letters to them i have not received a respond and i want this debt to be remove because its hurting my credit score
Product: Credit reporting or other personal consumer reports

Citizens bank is modifying my Mortgage. They said that five payments should be skipped because these payments would be moved to the end of the loan. 
So, per their instructions, I didn't make XXXX, XXXX, XXXX, XXXX and XXXX payments ( last year ) Then they reported to the credit bureaus that I didn't make the payments... The truth is they told me NOT to make these payments because the modification would move them to the end of the loan. 
My credit score went to XXXX .. it has always been at XXXX. 
I got screwed .... because now I can't get any credit. Citizens bank messed my finances up BIGTIME. 

Then, to make it worse they FORECLOSURED on my mortgage and on me. Because the foreclosure issues are cited as not making monthly payments. 
Citizens bank told me not to pay.. 
Then they foreclosure ( which is filing a lawsuit against me ) AND CHARGE ME OVER {$20000.00} IN FEES FOR THE FORECLOSURE.! 

HELP!