23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

They requested I send them the following information to : USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX A copy of my Oregon automobile license ( front and back ) ; my current address XXXX XXXX XXXXXXXX, XXXX, OR XXXX ; my email address ( XXXX ) so we can communicate via email ; and further information to close the account which at that time had a {$100.00} charge from XXXX which was not authorized by me. I first believed that the account was closed at the end of XXXX when I stopped both my automobile insurance with them and my credit card. Apparently they only closed the automobile insurance and not the card because in XXXX I was notified by my bank by there was activity on a card that had no activity for the past 6 months. I finally received a statement from XXXX XXXX, IL XXXX for account XXXX XXXX XXXX XXXX which I returned to them with the request to both refuse the {$100.00} charge as I disputed it and then to close the account. I also provided them with my new XXXX XXXX XXXX. Instead they mailed me another statement now at {$120.00} with late fees and interest to the same street address which had been vandalized/destroyed hense my new XXXX XXXX XXXX I have repeatedly attempted since XX/XX/XXXX when I received the credit card alert until today including my letter with information they requested on XX/XX/XXXX. I will go ahead and pay the amount they are billing me just to stop any futher fees or interest but request that they pay me back that amount at the end of this issue. Most important I want that account closed and I want assurance from them in writing that they have closed the account. I will admit that I have become extremely hostile towards USAA because they have made it impossible for me to move forward with closing this account. MAJOR CONCERN IS MY ABILITY TO NOT DO TEXTING ON MY PHONE WHICH THEY INSIST ON. Please provide an address I can mail my documents to as I don't have the ability to do so via computer. I destroyed the card back in XXXX so do not have the full number of the card... .only what the statement has.
Product: Credit card or prepaid card

As of my statement dated XX/XX/2020 on my citibank double cash back card I had a balance of {$230.00}. This statement explicitly stated I had " Your Cash Rewards : {$200.00} '' ; this balance is what I have accumulated over the years in their " Double Cash Back '' program. This statement stated I had until XX/XX/2020 to make payment. I redeemed the entire " Cash Rewards '' balance of {$200.00} on XX/XX/2020, in addition I sent a payment of {$30.00} on XX/XX/2020 for a grand total of {$230.00}. I then waited for my next statement to generate as my current statement I believed to be paid in full. On XX/XX/2020 I logged into my account online to see what the damage was for the month when a notification popped up telling me I was delinquent and I need to make payment immediately. As a result I scheduled another payment and performed some investigation as I thought I may have scheduled payment for the wrong date or for another account thinking it was this account. I then found out my payments were on time and exceeded the balance of my XXXX statement of {$230.00} as my cash back redemption combined with payment was {$230.00}. With this information I immediately called Citibank to remove a {$29.00} late charge because my balance was paid in full and before the due date. I then was told by the customer service representative " The minimum payment due was {$35.00} and you paid {$30.00}. ". I then replied I redeemed my CASH REWARDS balance coupled with my payment of {$30.00} exceeded the total balance of {$230.00}. The representative then told me " Redemption 's to your statement are treated as a credit and not cash. '' I then replied your signage advertise 's the card as " DOUBLE CASH BACK '', the statement generated says " CASH REWARDS '' therefore when I redeem the value I have earned it should be treated as CASH ; otherwise the card name needs to change as well as the statement wording. I was then told " It was redeemed to your statement therefore it was treated as credit not cash and since you paid {$30.00} and the minimum due was {$35.00} you were late and the {$29.00} late fee was added to your account '' I told the representative you can either remove the unfair late fee of {$29.00} or close the account and the representative closed the account. 

My contention is the card is advertised as being " CASH BACK '' and the statement lists the amount as " CASH REWARDS '' therefore it should be treated as a CASH payment. It is my believe the {$29.00} late fee is unfair and recorded in error since my entire XXXX balance was paid in full with my CASH payment of {$30.00} coupled with my CASH REWARDS of {$200.00}.
Product: Checking or savings account

Upon waking, I discovered an unexpected negative checking balance without prior notification. To the best of my knowledge, I had not incurred any negative transactions. I was compelled to transfer funds to restore a secure account balance, which necessitates a refund or return of the funds to my original account.
Product: Mortgage

My husband and I purchased a mortgage through XXXX XXXX on XX/XX/XXXX. Our mortgage was sold within a few months, to New Rez. New Rez never sent our new mortgage information to our flood and home insurance companies and placed lender-placed insurance for both. They double charged our escrow account and we were never aware of this until it was time to pay our taxes and premiums at the end of the year. My insurance agent contacted me and told me that my insurance has not been paid and I had a week to get my payment in before my insurance lapsed. They gave us a 30 day grace period due to these issues. I spent over 2 hours on the phone with the lady who sold me my mortgage originally, through XXXX XXXX. We spoke with a representative named XXXX, who was supposed to have taken care of this. We were told they over-nighted a check to both insurance companies and it would be taken care of within 2 weeks from that day ( amount of time for the check to be sent through mail. ) Now a month has gone by and I received another call from my insurance representative stating that my home insurance still has not been paid. Now I am XXXX days out from my insurance lapsing due to New Rez not sending the check to the correct company. I have never missed a payment on my mortgage. I have paid insurance every single month for a year now. I am about to lose my home insurance in XXXX days due to New Rez not doing their due diligence in gathering the correct information regarding my mortgage. I spoke with a supervisor named XXXX on XX/XX/XXXX and was told she would pay my insurance with a credit card that evening. She stated on the phone I would receive an email the following morning with payment confirmation and update mortgage clause. It is now XXXX XXXX  and I have yet to receive any of the things I was promised to resolve this issue. I have spent hours on hold, it took them approximately 5 hours to call me back on XX/XX/XXXX. I am not receiving the service I should be. This is a consumer 's nightmare to deal with this and it is no fault of my own. I need to know my rights in this situation because this is absolutely not acceptable from a mortgage company and the service I have received to resolve this issue is minimal.
Product: Mortgage

On XX/XX/XXXX I had a house fire affecting my garage area and an outside storage building of my home. I called my insurance company on this date, a Friday afternoon, to report the fire. On Monday XX/XX/XXXX I was contacted by the insurance adjuster, XXXX XXXX, hired by my insurance company, XXXX XXXX. On XX/XX/XXXX XXXX XXXX came to my home to inspect the damages for the claim. On XX/XX/XXXX I received the letter stating the damages for my house fire along with a check issued to myself and Chase in the amount of {$18000.00}. I then contacted Chase to learn how to proceed with cashing the check and the procedure for repairing my home. I was instructed to visit their website, XXXX XXXX XXXX to start the process. I did so. I endorsed the check and mailed it to Chase for processing. I then contacted the contractor and submitted the attached documents. Chase would not accept the letter from XXXX XXXX stating the damages from the fire. I then contacted XXXX XXXX to explain that Chase would not accept the letter he submitted. XXXX XXXX then contacted XXXX XXXX   to obtain a corrected letter, which is also being submitted. XXXX XXXX who is a seasoned insurance adjuster of 45 years stated he had never worked with a company that was so difficult in their claims process. 
I received a letter from Chase dated XX/XX/XXXX stating that my loan would be transferring to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. This is only a 14 day notice. I contacted Chase for questions and to find out if any funds were going to be issued prior to the transfer. I was instructed that funds would not be available prior to the transfer and I would need to start the claims process over with the new company. I was VERY upset by this and was hung up on by the Chase representative I spoke to. I acted irrationally and yelled quite a bit but I was also very upset. The temperatures during these past two months have been very cold and the damages to my home created by the firefighters as they extinguished the fire left a hole in my ceiling. The hole is inside the home approximately 5 foot by 6 foot. We had covered with plastic but it still brings in A LOT of cold air. I was yelling and was very upset, but with good reason. Everyone in my home has suffered from the cold weather. 
My utility bills have increased more than expected during the winter months and my home still smells of smoke. We have started on the clean up and demolition and are at a point where we can not proceed without the funds allotted to repair the home. We have already paid for the dumpster and labor costs for demolition. 
I dont think it is right for Chase to change my loan provider in the middle of a claim. Now we have to start this process over again which means it will take even longer to repair the damage to my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$15000.00} Charged off- XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX
Product: Mortgage

Have been in contact with New Rez, my morgtage company on XX/XX/XXXX, XX/XX/XXXX and I believe one other date, I forgot to note. Each time they told me payment was made on XX/XX/XXXX with check number XXXX. 

On XX/XX/XXXX NewRez advised their investigation showed taxes were paid. Both myself and when contacting the treasurer for my municipality showed taxes have not been paid On XX/XX/XXXX taxes were still not paid. NewRez contacted and they said they have been paid. Again municipality and their website showed taxes not paid. They searched the check number provided and showed no receipt of being received and checked the amount of my taxes, which showed two exact amounts, one received from XXXX XXXX and another fe XXXX XXXX which had a different parcel number. NewRez said they would Again open up another case and requested screen shot of website showing taxes not paid. 

On XX/XX/XXXX, at approximately XXXX hours tax bill along with screen shot, showing taxes have not been paid was sent.
Product: Debt collection

A company calls me numerous times from several different numbers telling me they are from some division law company. Stating that they will file a lawsuit against me because a complaint has been issued under my Social Security number. Saying criminal justice legal law services. It is usually a different legal law service department that calls me. They are calling on my cell phone and at work. They are calling my kids cell phones also and threating them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX  - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - xxxxxxxx XXXX XXXX XXXX XXXX  - xxxxxxxx XXXX XXXXXXXX XXXX XXXX XXXX xxxxxxxx XXXX XXXX XXXX xxxxxxxxxxxx XXXX
Product: Debt collection

XXXX continued to bill me after I switched back to att. Their customer service agreed and told me it was taken care off but they still sent me to collections. I ended up paying the XXXX They claim I owed ( have prof they billed me for months after I switched my numbers back to att ). Ive spent hours on the phone with their customer service that is based in XXXX & got know where. Im sure others have experienced this from XXXX.
Product: Credit card

On XX/XX/XXXX I went to pay my credit card bill via the Amex app. When I hit submit I got an error message saying that the payment did not go through and to try again later. 

When I logged back in to try again, the payment was listed three times in the Amex portal credit a negative balance of roughly ( $ XXXX ). 

I called my XXXX XXXX  ( which had my checking account and they confirmed Amex took two payments ( not three ) and that Amex would have to return one. 

I called Amex on XXXX alerting them of the issue and they said that they would correct the balance to shown two transactions and then issue a refund back to XXXX and it would take one business day. 

I checked back and the statement was adjusted to show two transactions reducing the negative balance to ( $ XXXX ) but there was no refund in progress. 

I called back on XX/XX/XXXX and they said that they apologized and would have to reissue the refund request as they do not know what happened and that this individual would personally call me back on XX/XX/XXXX and it should be completed by then. 

I checked again and on XX/XX/XXXX there was not any change and I had not been followed up with so I called back again to talk to XXXX who said she would issue ANOTHER request for my refund. 

I have no email from Amex saying its in progress, no follow up from anyone from the team and its been 4 weeks since this started.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not allow me to upload supporting documentation for an active dispute I filed a dispute with Experian on XX/XX/2022, requesting they adjust the status of the bankruptcy from " filed '' to " discharged ''. The dispute was initiated and I was advised to upload supporting documents via www.experian.com/XXXXXXXX XXXX XXXX XXXX ). The instructions are as follows : " Please select at least one document to upload. You may upload up to five documents totaling XXXX megabytes. Accepted document formats are TIFF ( in black and white ) and PDF. '' Using XXXX XXXX as the internet browser, I attempted uploading a black & white PDF document, which was XXXX in size ( much less than the maximum XXXX allowed ). This upload attempt failed. I then tried uploading in a different browser, XXXX XXXX, which resulted in the same error message. I then tried uploading a TIFF type document in black and white, and the same error message occurred. Each time, the error message stated that the file type was either incorrect or too large. 
I called Experian to inquire as to why this was happening, as I was following the instructions closely. Experian representative said there is nothing that can be done and to just mail the supporting documents to their address in Texas. 
This is a terrible system with terrible customer service that disables the customer 's ability to efficiently submit documentation that -- is already superfluous in the first place -- other credit bureaus report accurately on. Experian needs to be held accountable for their intentionally laborious, convoluted, and stalling processes and tactics.
Product: Debt collection

Trinity Hope Associates attempts to continue to collect a debt that is not due. It is a medical bill fromXX/XX/XXXX that was paid directly to the physician's office. I provided proof of that with them several times and disputed the debt in writing and verbally. They continued to try to harass me into paying anyway. I submitted a complaint to your agency in XX/XX/XXXX Case number: XXXX. There were attachments made in that case that I can not locate at this time to attach again. The last correspondence of this was that I provided again proof of the paid debt and they did not have any further response to me or you. There was nothing else communicated to me by them until recently, XX/XX/XXXXwhen they started calling/mailing me repeatedly again demanding payment. They would try to call at different hours and talk to my husband (who is not on this account and shouldn't receive any information about it) and demand payment from him. They even once told him I was trying to call them to make the payment so he should just "hurry up and do it" for me. When I spoke to them myself, I explained the whole situation again and they said they still have no record for the proof of payment and asked me to send it again. They clearly do nothing with this information that I've already sent them! They suggested that I just pay it again anyway in order to avoid "a higher counsel" and/or legal fees if I was to take legal action against them. I have disputed this debt many times and they are still contacting me, which I believe is illegal debt collection practice. Please advise.
Product: Mortgage

I started my refinanace process in XX/XX/XXXX. I have excellent credit and NewRez seemed to put me on the back burner I'm guessing because rates were falling. My loan was suppose to close on XX/XX/XXXX and NewRez did NOT have my numbers correct - mainly Escrow amounts. They delated a bit longer until we finally closed in XX/XX/XXXX. It was an awful experience to have an incompetent person at NewRez not able to do simple math to get my loan closed after taking 3 months on a clean refinance. I do not feel this was handled correctly. My guess is they were pushing loans through at 2 %, when mine was locked at 2.5 %.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of the account listed as POSSIBLEFINA due to multiple violations of the Fair Credit Reporting Act ( FCRA ). 

This account reflects a Date of Last Payment as XX/XX/XXXX and a Date of Last Activity as both XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) a direct contradiction. Per the FCRA, furnishers are required to report accurate and consistent information, and these discrepancies indicate the account has been illegally re-aged. The Date of Last Activity ( DLA ) determines the seven-year statute of limitations for reporting derogatory accounts. Altering it artificially extends the reporting period, which is a clear violation of 15 U.S. Code 1681c. 

Moreover, this account is marked as charged-off with a $ 0 monthly payment and has had no new activity since XXXX, yet it continues to report monthly charge-offs through XXXX, further violating FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) by furnishing outdated and inaccurate information. 

These inconsistenciesespecially the presence of two different DLAs and ongoing monthly charge-off notations on an inactive and settled debtdemonstrate that this account must be immediately removed from my credit report. Furthermore, this account was never verified when I initiated a dispute over 3 months ago. It would be in your best interest to remove this account from my credit report. I am aware of the arbitration agreement, and I will seek monetary relief due to the multiple FCRA violations. 

Please investigate and delete this account pursuant to your responsibilities under the FCRA. I request written confirmation once the deletion has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Experian asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Experian of the inaccurate information and I didnt receive it from Experian. Since Experian doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on X/X/2017 : XXXX. Second Certified mail tracking number sent to Experian on X/XX/2017 : XXXX. Third certified mail tracking number sent to Experian on X/XX/2017 : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX  XXXX Account Number : # XXXX Creditor Name : XXXX Account Number : # XXXX Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Product: Debt collection

I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
Product: Payday loan, title loan, personal loan, or advance loan

Pay off credit building loan paid {$150.00} that was left paid in XX/XX/2023. Can not get in contact with them it won't me log in to their account for this