23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was booking a flight through the XXXX XXXX website. During the checkout there was an advertisement for the XXXX XXXX XXXX The advertisement takes your purchase price and incorporates it into an image. For example, in this case my ticket was {$120.00}. That exact price is shown in the advertisement. 

It states that when I apply for this credit card ( and am approved ) they will credit the first {$400.00} charged on XXXX XXXX in this case the {$120.00}. 

So, I applied for the card and was immediately approved. However, at the end of the application you are not redirected to the XXXX XXXX. So, I went back to the XXXX XXXX and to the process of purchasing my ticket. 

Now begins the problem. The advertisement shows that if you apply for this credit card, you can use it to purchase your plane ticket and get the credit but no credit card number or temporary manner is provided for you to purchase the ticket. Instead, you're told that you'll receive the credit card in XXXX business days. Until then, you can't use the advertised promotion because you don't have the credit card on hand. 

Your only option is to wait to receive the credit card but if you wait XXXX days then surely the price of the plane ticket will go up so you feel forced to purchase the ticket on a different credit card and use the promotion on a future ticket. However, that's not what's advertised. What is very clearly advertised is that you spend ( in my case ) {$120.00} and you get back {$120.00}. 

I have contacted CitiBank on both regular customer service number and at the credit card application number and both have told me that they can not help me and that I will have to wait for the card to be in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX. The company has refused to comply with my debt dispute letter and request to validate the alleged debt with documentary evidence including all GAAP requirements. 
XXXX. The company has also failed to comply with the consumers right to rescission pursuant to 15 USC 1635 ( b ). 
XXXX. The company has violated the FDCPA by continuing to collect a debt after the alleged debt has been disputed. 
XXXX. The company has violated FCRA by reporting negative items to a third party reporting agency without validating the alleged debt lawfully. 
XXXX. The company has violated the consumers privacy rights by continuing to harass the consumer via XXXX XXXX attempting to collect a debt that hasnt been validated.
Product: Debt or credit management

On XX/XX/year>, I was notified by XXXX that my payment due amount for my credit builder account had increased to {$70.00}, despite my usual monthly payment being {$35.00}. According to XXXX policy, there is a XXXX grace period during which payments can be made without being reported as late or incurring additional charges. 

However, despite being within the grace period, I was informed that my balance had accumulated to {$70.00}. I contacted XXXX support to request : 1. An explanation of how the {$70.00} charge was calculated.

2. Clarification on why this charge was applied despite the grace period.

3. Assistance in switching to the {$5.00} plan immediately. 

In response, XXXX support stated that I could not switch to the {$5.00} plan until I paid the {$70.00} in full, without providing a clear explanation of how this amount was calculated or why the grace period did not prevent the increase. 

I believe that this practice is deceptive and predatory as it seems designed to force customers to pay higher amounts before allowing them to downgrade their plans. I was not informed of any potential charges or penalties prior to the due date, which makes this practice feel misleading. 

I am seeking : An adjustment of the balance to {$35.00} if the {$70.00} charge was applied in error. 
XXXX authorization to switch to the {$5.00} plan. 
An investigation into XXXX billing practices for potential violations of consumer protection laws.
Product: Credit card

Citi bank and XXXX XXXX tricked me into applying for their XXXX XXXX credit card by lowering my fare on XXXX tickets if we applied for the card. The lower price by {$400.00} was clearly in the new amount box for the tickets. We were approved and received the cards but no {$400.00} credit. 

They told us after the fact that we had received the same offer and benefit XXXX ago, and this did not qualify. My point to them is that they should have KNOWN THAT already before making us the offer on the XXXX XXXX website. 

This practice/marketing is VERY deceptive on XXXX XXXX  ticket purchase site. They actually lowered the price of the tickets on the screen as if we qualified for such. 

We may not have picked XXXX XXXX without this ticket reduction. This is simply fraud! We are over XXXX and live on a fixed income. I did not know that XXXX XXXX, partnering with Citi Bank, ran a fraud and deception business for attacking seniors. 

Please help us.
Product: Mortgage

We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate infromation
Product: Credit reporting, credit repair services, or other personal consumer reports

A Charge off by Definition pursuant to Publication 4681 on the IRS is ordinary income ( 1099C ), this means that this is an inaccurate account that is furnishing on my credit report. This inaccurate report should have been deleted off my credit report, the charge-off is canceled debt, the company WESTLAKE FINANCIAL SVCS filed this charge off on their taxes, but they are also reporting it on my credit as debt. If a charge off is furnishing on my credit report as debt. 
The said company that declared this charge-off was required to send the consumer a 1099C form so that the consumer could file that ordinary income. 
Failure to send this form is a violation of 15 U.S. Code 1681eb 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. If a charge off is reported on my credit report and its {$600.00} or more I was supposed to receive a 1099C form Cancellation of Debt ''. I ask for the removal of the charge-off from reporting on my credit report. After clearing my credit report i will ask that you no longer report this charge-off on my report Cease And Desist Pursuant to 20 U.S. Code 1234e
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both XXXX and Equifax to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Product: Mortgage

Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX  and XXXX  mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX  income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX  years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.
Product: Credit reporting or other personal consumer reports

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report with XXXX XXXX the account number is XXXX, it was opened on XX/XX/XXXX with a balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.
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.

All accounts on credit report has violated my rights.

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 reporting, credit repair services, or other personal consumer reports

Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by XXXX and XXXX first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and XXXX must report a XXXX balance. Trans union is reporting this same account as charge off with a XXXX Balance
Product: Mortgage

I have been a wells Fargo customer since i have applied for a mortgage almost two years ago. I had some issue which is normal for first time applying for a mortgage. Make sense. However, for the past three months or so I have been trying to refinance my mortgage and basically I had no one to communicate with. I have been going through the process with lots of unanswered emails, and phone calls. Lots of unanswered questions, that I needed some guidance with. I am extremely disappointed. The mortgage broker ( XXXX XXXX ) was not reachable, not through emails, and not through calls. I have left messages, and never got a call back. I am basically going through the process by myself. It got to the point that I have reached out to the manager ( XXXX XXXX ) after he sent a random email with a satisfaction survey. I was so frustrated with the customer service I am facing that I have picked up the phone to reach out for help. Sadly, the manager didn't pick up the phone either. I proceed and sent an email asking for help, guidance, something, or someone who can give me answers. I have explained my dissatisfaction and basically that I have no one to reach out to or anyone who can communicate with me to hep with my refinance process. Even my email didn't get a respond! How Ironic is it, that the manager sends a satisfaction survey but he doesn't really there for the client. It is very disappointing! I said this can't be real. I proceed and sent another email to the manager stating that this is the second email I have been writing in regards to my dissatisfaction with my refinance process. I have explained the difficulty i am having with providing certain documents to my mortgage broker, and still no answer or guidance. I have also added that i will be more than happy to forward all the emails I have sent to the broker just to emphasize how much i was ignored! Eventually two days ago I have gotten a letter in the mail saying that my refinance process is canceled. How is this possible?! if I have never got the support i needed completing the process. Not the broker ( XXXX XXXX ) or the manager himself ( XXXX XXXX ) were communicating. I would except a better customer service from a bank like Wells Fargo. At these times where we are going through global pandemic, and everything shifted to digital, customer service should come first and foremost. Wells Fargo- You failed!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX XXXX XXXX  XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

California auto finance I repeatedly disputed this account. The account was open XXXX. It recently closed XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years
Product: Checking or savings account

To my surprise, I was charged {$10.00} checking account monthly service fee with Wells Fargo. As far as I was aware, based on the account terms I agreed in XXXX, there shouldn't be any fees. The terms were : Direct deposit, daily account balance minimum of {$500.00} or a minimum {$25.00} automatic transfer to a savings account. I had a savings account to accommodate that requirement. 
Apperenty, Wells Fargo changed those requirements in XXXX and " notified '' me via monthly statement. The new requirements are : Maintain a {$1500.00}, minimum daily balance {$500.00} or more in total qualifying direct deposits Monthly, automatic payment to a Wells Fargo home equity/personal loan, personal line of credit or home mortgage I didn't receive any additional notifications to look for an important information on my statement. No additional notification letters or emails were sent in that matter as well. 
I use XXXX money management software and online banking to keep track of the transactions. I extremely rarely look at my monthly statement since all of my balances and transactions usually match. Therefor, I didn't receive notification about the changes to my account. 
I spoke to Wells Fargo more that once about this issue. They refunded {$10.00} fee I was charged. However, they refused to acknowledge the failure in communication with me about the changes to my account. I was told it is my responsibility to check my monthly statement and know about changes. They said I agreed to have any account terms changes by Wells Fargo at any time, according to the account agreement. 
" Per the Deposit Account Agreement ( page 38 ), we can change the terms, including account fees and features, at any time by adding new terms or conditions, or by modifying or deleting existing ones. We will describe the change along with the effective date in a message within the account statement or by any other appropriate means. '' I expressed my absolute disappointment with how Wells Fargo communicates with their customers. I didn't feel any appreciation for my business with them for almost XXXX years. I communicated that any important notifications should be sent via mail or email, based on a customer choice, and confirmed they were received and understood. 
I believe this is unfair practice by Wells Fargo and it should be addressed as there might be a very large group of people who were not aware of this or other kind of important changes to their account terms.
Product: Credit reporting

ITEMS THAT SHOULD BE REMOVE FROM MY CREDIT REPORT ARE NOT COMING OFF MY FILE, THERE ARE INCORRECT INFORMATION IN MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

Come back verifying it said i was the one who did it..
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX