23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a Citi Card since 1999. I used to get a statement credit based on the amount of money I spent. Over the years, this card became by secondary credit card and was seldom used. About a year ago, I decided it would be safer to use a credit card instead of a debit card, and my Citi Card was put back into frequent use. At this same time I asked for and was approved for a larger line of credit to cover my monthly needs. A new card was issued and I began using the new card. When this card was issued it was a Diamond Platinum, instead of my Platinum Select. Two things happened with this name change. First, my existing balance credit of approximately {$3400.00} went away. Second, my rewards for use of the cards were no longer balance credits and were instead coupons for deals on magazines or clothing. For about a year now I have been charging between {$10000.00} and {$30000.00} a month, always paid off monthly. My believe was I was stacking up reward points only to find out that this unsolicited change of reward programs only gave me a coupon for a purse. I want to know who approved this change of programs, where is my previous statement credit, and what benefit I have for the over {$200000.00} of purchases I have. The customer service manager told me I had no recourse and she respects my decision not to use Citi Card.
Product: Checking or savings account

I have been the executor of my mother 's estate since XX/XX/XXXX. My mother had maintained an CD account that I was not aware of, and the sole beneficiary was her sister who was living at the time in XXXX XXXX in a XXXX XXXX. She was unmarried and died without a will or beneficiary. I have been working with the JPMorgan Chase Bank, Deceased Processing Department in XXXX XXXX, Texas since XX/XX/XXXX to close the account. I have researched, secured, and forwarded documents, to include various from XXXX XXXX. After 5 years of interaction with multiple representative at the XXXX XXXX, Texas branch, I was recently told the Deceased Processing department has reorganized moved some or all of its functions out of State to Florida. Based on the responses of the Florida representatives, I have lost continuity on my past actions and efforts. To make the matters worse, the JPMorgan Chase Bank Deceased Processing representatives in Florida is now refusing to reveal or document their intended action going forward. This is contradictory to the Bank 's previous notifications to me. As recently as XX/XX/XXXX, the Deceased Processing department leader in XXXX XXXX office informed me that the account would be closed, at the latest, by the end of XX/XX/XXXX. I was told that this determination was made after her consulting the JPMorgan Chase Bank Deceased Processing Legal Department. I have expended tremendous amount of effort to communicate and provide all of the documentations collected from XXXX XXXX, as well as others, during the last 5 years.
Product: Debt collection

In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Product: Checking or savings account

SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ). 

I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers. 

Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.
Product: Debt collection

One day past due on the payment so Conn 's calls 10 or more times a day. Ive asked them to please stop calling me so many times.
Product: Credit reporting or other personal consumer reports

Nelnet is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe NELNET {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. NELNET and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.
Product: Mortgage

This is my second complaint against Bank of America for NOT reporting my Mortgage Payments to all XXXX Credit Bureaus. The first complaint Case No. XXXX was closed out an error by CFPB. XXXX XXXX/Resolution Specialist with Bank of American requested more time to respond to CFPB. However, XXXX XXXX failed to responded back to ANY of my inquires regarding an update as to why my Mortgage Payments were NOT present on my Credit Report. I made several attempts to reach XXXX XXXX with Bank of American and received complete SILENCE ... NO RESPONSE back to my many inquiries regarding this matter. 
On XX/XX/XXXX, I contacted Bank of America and was transferred to several individuals. I asked to be connected to XXXX XXXX Supervisor and I was told by that party that they did not have his Supervisor 's contact information, so she transferred me to a lady by the name of XXXX in the Bankruptcy Department. I was informed by XXXX that Bank of America has been reporting my ACTIVE MORTGAGE since XX/XX/XXXX to all XXXX Credit Bureaus but that it is the CREDIT BUREAUS POLICY ; XXXX, XXXX, XXXX AND XXXX XXXX POLICIES NOT TO REPORT ANY MORTGAGE PAYMENTS THAT WERE INVOLVED IN A BANKRUPTCY, THUS VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS. AND HAS FAR REACHING RAMIFICATIONS TO ALL CONSUMERS WHO WERE IMPACTED BY THE XX/XX/XXXX MELTDOWN AND WERE ABLE TO SURVIVE AND HOLD ON TO THEIR ASSET! 
This unlawful act in my opinion is in COMPLETE VIOLATION OF THE FEDERAL FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae/Navient listed me as a Co-Signer of a student loan and I never signed any paperwork. They told me that they wanted to list me as reference and they ended up listing me as a co-signer. The company name is Sallie Mae and the loan got sold to Navient. I have called multiple times a month and they dont do anything about the issue. I have been dealing with this issue for 13 years. I have sent a order to show cause that was issued by my attorney and they didnt answer to that document. This has caused my family and I financial hardship since it has been on my credit report and effected my debit to income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Bay Area Credit Service was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to XXXX XXXX XXXX XXXX who then reported my account as delinquent in XXXX ( SEVEN YEARS  LATER ). Luckily I kept the original Dispute Letter.
Product: Credit card or prepaid card

I filled out and mailed in the permanent opt-out for pre-approved credit cards. Capital One, which is the worst spammer out there, just sent me another one, ( I am attaching file ). I want the XXXX to stop. All it is doing is giving someone the chance to steal from my mail and open in my name. I have no interest, never have, and never will for a Capital One card. At this point they have so offended me by not following my wish to be left alone, that even if I want a credit card, I will get from anyone besides them.
Product: Payday loan, title loan, or personal loan

My monthly interest goes up. Even though I pay in less days with a smaller balance. For instance. on XX/XX/XXXX I paid {$220.00}. With a balance due of {$4800.00}. Intrest applied was {$63.00}. On XX/XX/XXXX I paid {$300.00} with a balance due of {$3500.00}. Intrest applied was {$74.00}. They said no penalties for early payments. Do why am I paying more interest? Please help.
Product: Debt collection

I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts on my credit report that I do not recognize. After reviewing my credit report, I discovered accounts that I did not open or authorize. Given that my personal information was exposed in a national data breach, I believe I have been a victim of identity theft. 

I have already submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter and have requested validation of the debts in question. However, I have not yet received adequate documentation proving the validity of these accounts. 

To support my dispute, I have attached the following documents : XXXX. A copy of my government-issued ID for identity verification. 

XXXX. A copy of my FTC Identity Theft Report. 

XXXX. Documentation showing my personal information was compromised in a national data breach. 

XXXX. A copy of my debt validation request. 

Given the circumstances, I request the immediate removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide me with the results at your earliest convenience. 

I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I have placed in several police reports to resport identity thefy someoen stole my vehicle back in XXXX and my ID and items were in vehicle in XXXX missouri, also had car broken in to XXXX texas back in XXXX, police report XXXX police department report number XXXX the comapny states the amount was for XXXX that was done online with my name with the wrong social security number they are calling me form XXXX and emailing me from XXXX i have asked the past 7 years this to be removed and i send over the police reports and identity theft and credit breuau investigation reports that found this to be fraud i want this removed and for them to stop harrasing me
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

Account : XXXX XXXX  number xxxxxxxxxxxx XXXX payment late year XXXX 

In accordance with the fair credit reporting act, public law XXXX, title VI, section XXXX, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I filled out a form from the company stating that I did not open a loan for school because I was not in the state they confirm I was living in and I had no recollection of them or their school. They approved and sent over a letter stating they are no longer asking for me to pay and it should fall off my credit report in 5-10 business days. It did not. I disputed it with XXXX XXXX and they did nothing about it. I have the letter for proof so the collection can fall off
Product: Debt collection

Senex Services insists that I owe {$480.00} for a medical debt. They have refused to provide proof of this debt despite my several requests.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XX/XX/XXXXXXXX - {$12000.00} XX/XX/XXXX XXXX XXXX - {$0.00} XX/XX/XXXX - XXXX - {$2900.00} XXXX XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

On XX/XX/XXXX I received 2 requests and writs for garnishment of income tax credits from Shermeta, Adams, & Von Allmen, P.C. for XXXX XXXX credit card accounts that had been charged off. I was never served a summons before this action. Ever since the judgment was filed I have had any and all Michigan State tax credits taken by Third Party Withholding Unit in the Michigan Department of Treasury. I started receiving offers to pay this debt off after the judgement, in XX/XX/XXXX, from XXXX XXXX XXXX , XXXX. Shermeta, Adams, and Von Allmen sold my debt to another collection agency. I continued to receive tax refund garnishments and found out the garnishments are still on file with the court and still active. How is it possible to owe the same debt to two different agencies? In XX/XX/XXXX I received a request for income information from the Michigan Department of Treasury. On the form were the plaintiffs who filed garnishments on behalf of XXXX XXXX. Listed are XXXX XXXX and XXXX XXXX XXXX, both for the same debt. They seized the refund of {$170.00}. I contacted the offices of Shermeta, Adams and Von Allmen in XX/XX/XXXX to make an arrangement to stop the garnishments and find out why two different collections agencies were trying to recover the same debts. The customer service agent I spoke with, XXXX, was not friendly nor was he willing to help me. I told him I wanted to resolve my debt and he told me unless I had cash to pay in full there was nothing he could do and that the garnishments will continue until the debt is paid. I contacted the XXXX Judicial Court regarding this as well and there is nothing they can do without the collection agency filing motions to close the cases, or for me to file a motion to quit. I 've been attempting to resolve these issues with no movement from this law office. Selling my debt to another recovery group while continuing to receive garnishments from my state tax refunds should not be legally allowed and I can not find any information in the state laws to support their doing so. I Thank you for your time and help in this matter.
Product: Mortgage

My loan for a property was moved to a new loan servicing company, " NewRez ''. 

First, I never received a notification that the loan was transferred and only found out when logging into my previous account and calling that servicer, " XXXX ''. Initially XXXX transferred my call to NewRez to get my 1098, but the representative was of no help as he kept asking me for my new account number and all I had was my old account number, as I never received a welcome message that included my new account number. 

I have tried to contacting NewRez and have had no luck calling every number that I could find on their website. The line just keeps ringing through with no answer on the NewRez side.f
Product: Credit card

I purchased a couple items from AAFES with their star card in accordance with their XXXX XXXX XXXX  promotions. They failed to categorize the items as a no interest item. I discovered later they had been charging me interest. I contacted them numerous times regarding this. Eventually they applied a portion of the interior toward the principal. At the same time they moved the purchases to the promotional rate and applied a charge and credit against the account for ~ {$67.00} per the transactions listed however they only applied the random ~ {$67.00} to the account. At this point they still show the random ~ {$67.00} plus ~ {$81.00} in interest against the account. Since then, they did the same thing with the XXXX XXXX XXXX  promotions. They again failed to apply the advertised promotional terms. To date that is an additional ~ {$31.00} for the new purchases I ran into similar during the XXXX sales however I could not prove the promotion. That was another {$2.00} that they stole. Part of their excuse was they were slow processing my payment which was a nightmare to make. Their system kept dropping my automatic payment and once made, they were slow to process it. 

All of this can be seen in the monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  TransUnion 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.
Product: Credit reporting

Reporting adverse accounts with XXXX, which has completely failed to provide any transparency as to what these charges are for ( see attached )
Product: Checking or savings account

I HAD A RESPONSE FROM WELL FARGO ABOUT THE ISSUE OF NOT CASHING MY CHECK AND CAUSING ME STRESS THAT LEAD TO ME HAVING TWIST MY ANKLE, ON XXXX/XXXX/2023 WHERE IN THEY ASK FOR MORE TIME. THIS WILL BE A MONTH ON THURSDAY. AND I HAVE NOT EVEN HEARD ANYTHING FROM THE COMPANY. MEANWHILE I HAVE HAD PAYMENTS DECLINED, PURCHASES CANCELED, ETC. I FEEL THE COMPANY IS AVOIDING ACCOUNTABILITY IN THIS MANNER AS SO MANY BIG COMPANIES DO. THESE ACTIONS HAS CAUSED ME MORE EMOTIONAL DISTRESS AND IS NOT ACCEPTABLE. I ASK THAT THE REMEDY THIS MATTER AS IT IS A CONSTANT ISSUE WITH NOT JUST ME, BUT MANY OTHERS OF XXXX. PLEASE DO NOT ALLOW THIS TO CONTINUE WITHOUT CONSEQUENCES FOR THEIR ACTIONS.
Product: Debt collection

My debt with XXXX went to collections first with XXXX. XXXX and then with Valor Intelligent Processing. I made a settlement payment agreement with Valor Intelligent Processing in which I authorized automatic payments to draft from my person bank account on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Valor Intelligent Processing failed to collect payment on XX/XX/year>. As a result, my debt was returned to XXXX and now I owe {$700.00} more than I settled for with Valor Intelligent Processing.
Product: Credit reporting

XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed.
Product: Credit reporting or other personal consumer reports

Account Name or Number : XXXX XXXXXXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XXXXXXXXDispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX  dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXXXXXX ( XX/XX/XXXX COLLECTION/CHARGEOFF ) Dispute Reason : " This account was CANCELLED AND PAID. ''
Product: Debt collection

On XX/XX/2019 a debt recovery company named XXXX XXXX XXXX XXXX whose mailing address is : XXXX XXXX XXXX XXXX Virginia, Phone Number XXXX reached out me at the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  PA XXXX regarding a debt that I owed from a Paypal Credit Card issues by Synchrony Bank . They called my cell phone number many times and when I finally spoke with them in XXXX, I shared with them that the address they had listed wan NOT and hod NOT been my residence and also I never authorized opening a Paypal Credit card due to my credit being bad and I was workin on repairing my credit.

Later that month, after many calls I requested a copy of the credit crd information and a listing of the charges. Paypal the Credit Card issues would not speak to me because I was not the Primary account holder but the Debt Collection Agency was able t send me the information of the charges and the total debt owed which is {$4600.00} After a few follow up conversations with the Credit issuer PayPal they stated that the name of the Primary Account Holder who at that time was an X-Partner who I never authorized to open an Credit Card Account in my name or any shared line of credit with her. 

This debt is currently listed a in Collection on my credit report lowering my credit rating. Also I no longer have any contact details of the Primary Account holder, who is the person who opened the account without my awareness or permission. 

I find it really appalling that a credit card company and credit issuers would allow any individual to open a credit card or line of credit using a persons names and only notify the person once the debt is in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I, XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed
Product: Mortgage

My wife and I had a mortgage loan with XXXX XXXX ( XXXX  ), that was transferred to BSI Financial ( BSI ) for loan servicing in XX/XX/XXXX. Our home was destroyed during the XXXX XXXX on XX/XX/XXXX. In XXXX and XXXX, we received insurance proceeds from our insurance carrier to rebuild, and sent the funds to XXXX. XXXX paid for some of the repairs, but then sent the funds held in escrow for the remaining repairs to BSI once it became servicer. On XX/XX/XXXX, I requested that BSI pay our contractor, and have sent BSI all of the forms they required and all of the bills from our contractor, but BSI will still not send us a disbursement so the contractor can be paid. We are afraid that our contractor will walk off the project if he doesn't get paid. BSI keeps giving us the run around, such as claiming it needs documents I sent to it months ago, and ordering inspections, then cancelling them. BSI is also holding more funds than our loan balance, and will not send us the overage amount. BSI also failed to fully pay for the insurance on the home, causing the insurance company to send us a cancellation notice.