23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I applied for a Lowe 's credit card online and was approved. I purchased items online and in store using barcode provided. 

On XX/XX/year> I received physical card in the mail. 

On XX/XX/year> I received a statement for FIVE DAYS XXXX showing bill due on XX/XX/year> for XXXX. 

I called customer service to inquire why I received a statement that only included 5 days and not the minimum of 21 days because I wanted to pay balance in full and not pay interest but with the bill being due so soon it would not be possible. 

I was on hold for over 10 minutes and the Rep never came back to the call so I had to hang up and call back.

2nd call. No one could explain why. I then requested my bill due date to be changed to the XXXX so that I could pay in full and avoid interest. I was told the system shows that the bill due date can only be changed once per year and the system showed I already changed it. I explained that I just opened the account 9 days ago and never changed anything or called before and if it was changed it was without my permission.

The Rep then offered to delay my next payment but that I would still be charged interest. I asked for a manager. She could not provide a reason or resolution as to why my statement was for five days nor was able to change my due date.

So after 45 minutes on the phone I explained that I would pay off the card and close it asap considering I applied for the card less than ten days ago and already have unnecessary issues. To which the manger responded " OK ''.
Product: Credit reporting or other personal consumer reports

I have received two emails in the last 2 days from XXXX XXXX XXXX XXXX  that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my XXXX  and equifax report and immediately called them for a freeze on my accounts. I am visiting XXXX XXXX  today to retrieve any information possible. I did not apply for a card with XXXX, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like XXXX to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX
Product: Mortgage

I opened a complaint on XX/XX/21 regarding the bank refusing to provide the stock certificate and lease needed to refinance my mortgage with a different bank. NewRez responded on XXXXwith a letter ( attached ) claiming that both documents ( stock certificate and lease ) were sent to the XXXX XXXX XXXX  XXXX XXXX XXXX ( the lawyer who will represent them in the transaction ). However, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX that the bank has provided only the stock certificate but not the lease which the bank had lost. I checked with the XXXX today ( XX/XX/21 ) and they informed me that neither the bank nor the XXXX XXXX XXXX XXXX XXXX XXXX has contacted them to replace the document lost by the bank. I'm still unable to proceed with the refinancing and moving the mortgage to another bank. 

Not only NewRez still hasn't provided all documents that were needed, but it has also submitted false information in the response to my earlier complaint.
Product: Credit card or prepaid card

I was charged a late fee by Bank of America for paying the credit card late by just 2 days. Instead of XX/XX/18, I paid on XX/XX/XXXX and I am charged XXXX $ late fee and then purchase interest. I dont usually miss it. I call the customer care requesting to waive off and they say its not refundable. When every other bank can refund and show value to their customer, why cant BofA. They have the worst customer experience. Definitely horrible. Then I go to the base branch and the banker can not do anything about it either. Totally ridiculous.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

last month i walked into XXXX XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in XXXX which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I just signed up with Clear One Advantage, a credit resolution company last week ( XX/XX/2020 ) to take over my four credit card balances and provide them payoff offers much less than what I owe, for which I am to place money into their account - XXXX XXXX XXXX in XXXX, OK, for 54 months monthly, to be withdrawn from my checking account. They have given me lots of paperwork online, and the gist of this is : The total I owe is {$15000.00} and they would payoff the creditors approximately {$10000.00}, and their fees would be {$3800.00} included in this amount, so the creditors would only get in the {$6000.00} range. This seems exorbitant, to me -- and they claim I can pay off the balance at any time if I should be able to -- but whatever it is includes their fee. Since I would be paying it off early, why should they be paid for the entire 54 months or whatever period of time is still on the contract at the time of payoff? I am wondering if you have other complaints about these companies? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan company has refused to report accurate information to the 3 credit bureaus regarding my payment activity to them. When my account was delinquent this company reported the late payments and balance due consistently. Since bringing my account balance current Santander Consumer USA has failed to report accurate payment activity and balance information to the credit bureaus which is causing my payment activity to show negatively on my credit reports.
Product: Debt collection

Ive had noted identify theft in the previous years. This particular account in question has previously been flagged and reported & removed. It has since been but back on my credit ( Im assuming because another company bought the debt ). I have reported yet again to all 3 beauties providing the only documentation that I have, such as drivers license, home lease etc. XXXX deleted the debt but XXXX still states that it is my debt. I spoke to the creditor before it ended up back on my credit report and they requested for my to travel during a pandemic from the state of GA were I reside, to XXXX ( where the fraudulent account Was created ) & file a police report. I am a XXXX  & I am a hard working. I can not risk running state to state & possibly catching Covid, just for a police report. Please help!
Product: Credit reporting or other personal consumer reports

According to the FCRA ; reinsertion law, it prohibits credit reporting agencies from reinserting accounts that have been previously disputed and removed from a consumer 's credit report.If a consumer 's dispute leads to the negative information being removed, it can not be reinserted without first notifying the consumer in writing within 5 days. On XX/XX/year> the said accounts were deleted from my credit report only to reappear weeks later. There was no written notice received from the CRA in reference to the accounts being reinserted.On XX/XX/year> I filed a complaint with the bureau 's in reference to the situation.There was action taken. The accounts in question were closed, but not removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Made a payment of {$160.00} dollars to Navient by the payment due date and they sent me another statement for XX/XX/2018. 

Navient is overcharging me for my loan. I am very disappointed they told me two of my loans could not be eligible for lower payments, but I am in a hardship. I provided the representative with all of my financial information.

Navient is doing students wrong I have other student loans and there website says that they may be able to lower payments if there are other student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I needed to purchase another vehicle. I was referred to Right Way Auto in XXXX Michigan. 

I signed a form to have a credit check done. When I went to get financing, within 5 minutes 10 hard pull inquiries were put on my credit report. 

I contacted the manager on duty a few days later and was told by him, " My finance manager was looking for the best deal ''. A good finance manager would have known what each of the 10 finance companies he worked with and what they required. 

I called Rightway and they told me there is no way to remove the inquires. Now my score has dropped 12 points.
Product: Mortgage

I had a mortgage loan that was never late since inception ( XXXX ). In XXXX XXXX, I applied for a loan modification for the third times ( since XXXX ) and was finally approved. The trial period started in XXXX and completed successfully with XXXX payment. However, while waiting for the permanent loan modification contract to arrive ( which servicer never sent out ), the loan was transferred to Specialized Loan Servicing ( " SLS '' ) in XXXX XXXX, XXXX. 
Please understand that the actual monthly payment was {$800.00}, But because the servicer was fraudulently claiming - it paid {$1100.00} for property tax ( while the county record shows that it paid only {$990.00} ) ; therefore, it increased my monthly amount to {$820.00}. Therefore, I refer to {$820.00} as " full payment '' ( although this amount is erroneous ). 
Meanwhile, before the loan was transferred on XXXX XXXX, XXXX, I made a full TIMELY payment. However, non-of the XXXX servicer show this payment. 
BUT, as XXXX was transferring the loan ( while waiting to send the permanent modification agreement ), it reported to credit agencies the account 3 months late ( 30, 60, 90+ days late ). 
As soon as SLS received the loan, it initiated sending XXXX collection and foreclosure certified letters to me. Through XXXX phone calls to SLS or its own collection calls, I tried very hard to, make SLS understand that the loan was not late. I did not succeed. Therefore, starting from XXXX XXXX, along with each monthly " full payment '', I sent a certified letter to the SLS president asking him to investigate the issue before sending/having its representatives call me for collection or foreclosure threat or sending me the same type of letters. I repeatedly asked that I needed to hear from someone at the SLS corporate level ( someone who would not lie and was competent ) to resolve the issues and that if I TRULY owe an amount ( after all the correction ), I will be glad to pay what is TRULY owed. I even asked for a complete loan history since XXXX XXXX. SLS refused to call me or sending me any accounting. The only thing I would receive from SLS was either a collection call or certified foreclosure letters. I have a big pile of these types of letter from SLS. 
XXXX through XXXX XXXX ( each month ) along with a " Full monthly '' payment, I sent SLS president a certified letter asking - since it claims to be a collection agency, then according to the law, it must investigate and also provide me ( a borrower ) statement of the account. SLS refused and never did anything. 
The last call to SLS ( besides the many lies I repeatedly hear from its representatives - XXXX says XXXX thing and another says completely the opposite- on recorded calls ), I hear that even if I bring the account current ( even based on their miscalculation ), they WILL STILL REPORT MY ACCOUNT ( that has never been late ) - as two-three months 60 days late to the credit agencies ). 
TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.
Product: Credit card or prepaid card

on XX/XX/15 my entire cash balance of XXXX was transferred to another bank debit card at XXXX of which I hhave never done business.. The day before this or these hackers tried to move my money to a different Visa Debit card but it was not the right card or something. On that day, for the first tiime in over a year and half my account information was deleted, name, bank, phone, email etc and replaced with someone who used the name XXXX XXXX which doesn't seem a legal name. I have never been able to get the name of the bank card holder but it wasn't me.. This is just a few bits of the story but this bank obviously does not have protections to prevent my money bbeing transferred to a foreigh bank. Not a purchase for something. Transfer of all my monney. Local PD has report. I have never given my phone pin or the pin for the Cash App. There is not appropriate safety measures to protect our mooney and they have not replaced it provisionally. They say they can't determine if or not it was authorized. They have more than enough documentation and history to see I was robbed and I am victim. Stop thiis aand restore my financial position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the 145 million Americans impacted by the XXXX  data breach. I did all the " right '' things by locking my credit with XXXX, XXXX and XXXX. Subsequently, my husband and I applied for an auto loan on XXXX XXXX. I unlocked our reports for 48 hours to allow for this transaction to proceed. It was approved and I relocked our credit reports. 

Yesterday, I received written notification that XXXX had obtained our credit reports from XXXX, and that report indicated my credit score was too low to qualify. This is utterly ridiculous as my credit scores with the major credit bureaus are impeccable. I had never even heard of XXXX and am extremely concerned that my stolen data may be used through credit bureaus I do n't even know about!!! I find this highly unethical and worrisome that unknown companies are being given access to my credit history, particularly in light of the incompetence of the known companies. 

When I went to the XXXX website, I found that they expect me to mail copies of vital documents to them in order to even see the report they have compiled on me. I am not at all comfortable providing these documents to a company I 've never heard of before. I faithfully get my annual credit reports through XXXX, which is authorized by federal law, but have never been informed that there are additional companies I should be monitoring.
Product: Checking or savings account

I opened my Citibank Account Package checking and savings accounts with the {$400.00} promotion ( applied XX/XX/XXXX, pending manual review, approved & opened XX/XX/XXXX ). I deposited {$15000.00} in new-to-Citi funds on XXXX and kept them in my Savings account until XX/XX/XXXX. I met the bonus terms on XX/XX/XXXX ( 60 days after deposit ) and should have received the {$400.00} bonus on or before XX/XX/XXXX ( 90 days after meeting requirements ). 

I confirmed by phone XXXX XX/XX/XXXX that I had 30 days from XX/XX/XXXX to fund the account. Completed W-9 was mailed twice to address provided by chat on XX/XX/XXXX. I confirmed via chat : XX/XX/XXXX that {$400.00} bonus was linked with my account, XX/XX/XXXX that I should received the {$400.00} by XX/XX/XXXX, and XX/XX/XXXX that bonus should have posted & dispute XXXX opened that was supposed to be resolved in 5-7 business days but have not heard anything further nor received the {$400.00} bonus as of XX/XX/XXXX. 

Documentation of all of the above ( screenshots, emails, statements, phone call recordings, letters mailed and/or faxed, etc. ) uploaded as attachments.
Product: Credit reporting or other personal consumer reports

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

15 U.S. C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX   deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!
Product: Credit reporting or other personal consumer reports

Company has restricted my access to my credit report and/or score, disputing process, access to a credit freeze, and general online anything. Ive mailed in documents concerning multiple disputed accounts with incomplete information, inaccuracies due to such, late payment history, and sent in documentation concerning possible fraud to which the response was, packet incomplete, please resend documentation. Documents included were ftc report, law enforcement report, identification ( copy of drivers license and social security card ) and proof of residence all in a signature requested upon reception of documents signature card accompanying the paperwork in a stamped envelope addressed to the company. This is not what I would suggest is a legal action banning me from my own credit report and score online for no reasonable explanation. I feel like Im being discriminated against by not only TransUnion but XXXX as well due to the timeline that has elapsed since Ive had the access to an updated online credit report and/or score and that I deserve some kind of compensation for the legal actions that need to take place. This has been going on for more than a year and its a headache and more stress to keep requesting credit reports that are even reduced by XXXX online or by phone. Everything has to be done by mail and its becoming very costly in required materials such as stamps, and very time consuming and additional stressed steps needed in order to view, dispute, or update anything on my credit report.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.
Product: Checking or savings account

I received a text from Associated Bank on XX/XX/2024 regarding possible fraud on a debit card from my account ending in XXXX and entered the wrong response in regards to the text. I called into customer service and the representative froze my debit card without my knowledge as I was simply asking a question in regards to the text. He informed me after he froze my debit card and not before and that's when I inquired about it being froze and to unfreeze my debit card. I repeatedly asked for my card to be unfrozen and he refused. I asked to be transferred to a supervisor and I spoke to someone who was as rude as the first representative and who kept over talking me and eventually hung up on me. I called back several times and kept getting the same person until I got a nice lady who helped me and gave me some suggestions that may help me. I called again on XX/XX/2024 and I was told my card couldn't be unfrozen as it had been more than XXXX  days. I called the local bank trying to get help and asked could it be escalated or whom I could file a complaint with. The lady I spoke to stated she would call me back in regards to my concerns but she never did. I received a letter instead that my accounts would be closed with less than XXXX weeks notice. I wasn't hostile towards the branch employee as stated as there wasn't a reason to close my account.
Product: Debt collection

I was the victim of a malicious chargeback fraud attack from a payment processor. A legal practice has been attempting to collect a debt ( not the original processing company ) much against my confusion and what I believe to be NOT of my own personal liability. 

This company has refused to respond to my negotiations and has now blocked me. I have not been disagreeable or offensive in any way and have attempted negotiation. Theyve threatened to sue me multiple times and Ive made PROVABLE efforts to send payments to the ACTUAL COMPANY NOT THESE FALSE REPRESENTATIVES. 

They are attempting to collect a debt that is NOT theirs and claim Im in breach of contract. I have NO contract with them. My obligations, if any arguably, are 100 % NOT on par with the company claiming to represent them.