23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife and I established a Citibank Credit card for Best Buy. We were purchasing appliances and things we needed as we had just been stationed in XXXX We were choosing to go to XXXX as they had a great deal on the items we wanted. When we spoke to the representative for the Citibank Best Buy Credit card we told them we were going to go with XXXX as they were offering a better deal. The representative asked us to explain and we said we were getting a discount due to my XXXX XXXX status. The citibank representative stated that if we apply for the credit card and do the purchased at best buy we would get a better deal and we would pay less in fees. IF we agreed to do the credit card option. At the time citibank/best buy made us believe that this was because i was XXXX XXXX. Fast foward to a few months ago and we are hit with a finance charge of almost XXXX XXXX XXXX When we ( my wife and I ) contacted citibank the representative said that this was a mistake and deceptive sales practice and transferred me to their XXXX XXXX XXXX ( or so they call it ). They said they would correct it. It took them weeks to get back to us and when they finally did it was to say I was being sent to collections. I advised them their department told me not to make payment during the investigation and that I would be receiving a phone call from a place called XXXX XXXX XXXX. This has not happened and Citibank is requesting to see direct deposits from my checking account to " prove '' that I was in the military during the time they sold me the credit card. Im not an attorney but this seems highly unethical and borderline illegal. All i want is for them to agree to the terms they sold me the credit card on. They deceptively had me utlize the credit card in the first place, masking 0 % interest as a " active military benefit '' then now tacking on interest when this was never disclosed properly in the first place for me to make an informed decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got XXXX and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Credit Reporting Act, XXXX  account # 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  have 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, also states, a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

Santander Consumer USA did not report anything on credit report from XX/XX/XXXX to XX/XX/XXXX so I wrote them a letter to update my credit report and I explain to them I had a Medical issue so I was out of work From XX/XX/XXXX to XX/XX/XXXX so I could not pay on the account and I sent them the documentation to back up my claim and I made up all the back payments to get the account current that I owe instead they reported closed /charge off but the account is open / active but they will not report the payment to the credit are change it as open and current I am doing everything right with them to try to fixed this with them they refuse to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED XXXX XXXX  TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Product: Credit card or prepaid card

I took out credit in 2016. My dog was at emergency XXXX. I have been paying faithfully and then some. I noticed my bill jumped up almost {$500.00}. I have not used the card in months. When I called the company Care Credit, I was told by a lady that is the interest charged for the 18 months. I only still owed {$500.00} out of {$3000.00} ... ..come on {$500.00} interest ... ARE YOU KIDDING ME???? So I closed the account, will pay off remainder of debt. I have never heard of this scam before. I hope you can help me. This is robbery in the finest form.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I tried cashing a check for {$280.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX. The check was denied by Telecheck. I then called Telecheck and gave the information to verify my identity thinking it would clear up the matter. I was told by the Telecheck representative that I would then be able to cash the check. When I tried cashing the check again, I was again denied. When I called Telecheck again, the next representative said that I wasn't denied, that the check was flagged for the possibility of fraud. As a result, I was forced to pay an extra fee for using my debit card. Thank goodness I have the means to pay the extra service fee, but others may not be so fortunate. XXXX XXXX charging 3.5 % extra when paying by debit or credit card and then relying on Telecheck to deny legitimate checks is a means for them to increase revenues, which is unethical and predatory. Secondly, Telecheck is complicit in supporting their unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asking for a investigation on my credit file because I have account were fraudulently obtain in my name. Please remove these accounts after the conclusion of this investigation.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a complaint regarding Shell Point Mortgage Servicing holding the pay off of my deceased mom 's mortgage in Loss Drafts since XX/XX/year> and refusing to apply it to the Mortgage as a payoff as directed. You say they have responded - but they have not responded to me, the one and only heir to my mom, and they have not removed the payoff money out of the Loss Drafts Dept. nor have they applied it to the Loan as a payoff as directed. The only response I received was for them to start foreclosure proceedings and have the sheriff 's department serve me with papers stating that they were going to sell the house on the court house steps. I am sure it is illegal for them to do so when they are holding the payoff of the mortgage in Loss Drafts. Not only have I wasted every single lunch hour for months getting the royal run around, not getting anywhere, any help, or even being able to talk to the same rep twice, but I also sent a request for help to the top 5 CEO 's that were listed on their web page - all with no help or response! Please help me! 
It is illegal for them to take the money and hold it - refusing to apply it to the mortgage as pay off as directed. XXXX gave me the pay off amount good until XX/XX/year>. Both checks were cleared by the banks well before that date. My personal check for {$6500.00} cleared on XX/XX/year> and the check from XXXX XXXX XXXX for {$100000.00} cleared on XX/XX/year>. The XXXX XXXX check is the one that they are holding in Loss Drafts. All State sent them a letter giving them permission to use the check for pay off. Account is : XXXX, XXXX XXXX, last XXXX of SS # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please help me! They are theives!
Product: Checking or savings account

Opened a Bank of America business checking account in XXXX XXXX Tried to open account online via their promotional website but had to talk with their agents over the phone as well. 
After the terms for the promotion fulfilled the bank failed to honor their advertised promotion that is still available on their website. After repeatedly being dismissed and transferred over to various departments when calling them to resolve the matter I just had enough of frustration. Did not get any positive confirmation for resolution other than a vague we try to look into it. 
Their sales agents were not able to find the promotional website and asked me to provide this. Laughable situation with Bank of America. And it was not the first time. Good luck to every small business getting any support from this bank. Terrible experience to say the least. 
Heres the promotional websites link XXXX XXXX XXXX XXXX.bankofamerica.com/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This complaint is with Synchrony under my Lowes account XXXX. I tried to contact them in reference to a late fee/interest charged for a bill that was paid. They claimed my check was processed 2 days after the due date, but I sent the check in 10 days prior to the due date. I spoke with customer service and let them know I have been sending checks out of my business account now 10 days prior because of their processing delays. She said could not help me and said this was post office issue for any delays, but in the same breath couldn't confirm to me the date my check was actually received from the company. I feel they are doing this to charge people late fees on fully paid accounts. They tried to charge me a late fee on a fully paid {$29.00} bill for {$33.00}. I work in government and the courts. This company should have some ramifications for there processing and/or lack of.
Product: Credit card or prepaid card

I went to macy 's and spent about XXXX $ worth of clothing the week before covid 19 was known. I have gone through XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. I needed to return some of the items. I told macys that I can't pay the bill until I return the items b/c I dont ' know how much to pay. they told me ok. Then in middle of summer the credit people called me and I told them I would pay some of the balance if they stop harassing me and calling me 4 times a day as long as they give me time until my dr says ok to go to malls. finally dr said I can go and I went right away and returned XXXX dollars worth of merchandise. macys refuses to take off 2 late fees and all the interest. I told them probably 30 times with 30 diff representatives that they are harrasing me and I will pay everything I owe but will not pay any interest or late fees b/c it was not in my control. offered to get them a dr note. they would keep me on the  phone for an hour and at the end say there is nothing they can do. will not take off. finally today I called myself so I can try to fix this finally and spoke to a manager by the name of XXXX XXXX. He was extremely obnoxious and yelling at me to let him talk. I was shocked. he again said he will not take off the late fees.Macys is harassing me and trying to steal from me. it is not honest and I feel they are being XXXX. it doesn't have to be a religion. they are taking advantage of me b/c of my XXXX XXXX XXXX. I want to call my lawyer but dont ' have the money now due to my business being pushed down b/c of covid. I would live to report MACYS CREDIT CARD for HARRASMENT AND TAKING ADVANTAGE OF ME and LYING TO ME. How do I proceed with this?
Product: Debt collection

In XXXX called Chase bank about a credit card I ordered and never recieved They explained an outstanding balance of {$280.00}, the I verified I did not make. They also informed me of a second credit card card of {$10000.00} that i verified I never opened. I spoke with the faud department to get it resolved. One XX/XX/2023 I received a call from the debt collector about these balances. They again referred me to the faud department. When notified of identify threat I also froze my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from XXXX XXXX and Experian, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX-
$XX/XX/XXXX
Original creditor: XXXX XXXX Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX
OpenedXX/XX/XXXX-
$XX/XX/XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX

Certified
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
Opened
XX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX 
See an error?
You could dispute an error with XXXX 

GO TO XXXX
Creditor Information
XXXX XXXX XXXX 
the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX  [XXXX] 
Sent: Wednesday,XX/XX/XXXXXXXX XXXX
To: 'XXXX XXXX XXXX XXXX XXXX Subject: RE: Out of Office Alert

Please acknowledge you received my fax
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Today, XX/XX/2023, I deposited a check for less than {$100.00} into my account. I then received an email that they are holding the check for 10 days, without explanation. My husband also deposited a check today into this account that was less than {$100.00} and it was immediately available. This is the second time in the last few months that my check deposit has been held. The last time, it was strictly due to my being transgender and them not liking that I had a legal name change. I believe that once again, this is the case with todays hold. Getting a remedy to this issue the first time was difficult and took several days and several communications. Today, I spoke with them via phone only to be told theres nothing that they can do. Im sick and tired of being discriminated against by Chase bank for being transgender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I started a claim for incorrect entries on my credit report and requested that information be researched and once researched to remove from my credit. When I received the updated report it had several accounts on my credit that was not mine.
Product: Debt collection

Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. 

On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. 

In addition to this I see an additional entry on my credit file for this same debt. 

This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. 

This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. 

Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. 

Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. 



Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. 



To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. 

Once again this is against the law. 

I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. 

I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. 

Please see attached that has already been sent further asking for verification, which to this date has been unanswered. 


Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308
Product: Credit card

XX/XX/XXXX Ally credit card. They put a hold on my card so I called and was transferred to LP they said it was possible fraudulent charges and I told them I made the charges on cash app and he said we just wanted to make sure it was you and we will remove the hold. He never entered any information on my account and did not remove the hold. I call back on XX/XX/XXXX and transferred to XXXX again and they said my card was not supposed to be allowed by there company to use on cash app and they dont know why it was but that its considered a cash advance and not to use it on cash app again. They then removed the hold. I literally used it the first time I activated it on cash app and had not gotten any fees or holds on the card. I never signed anything saying cash app is a cash advance and was never told it was a fee by anyone and there isnt any faq about cash app or anything stating cash app on the contract or anywhere connected with Ally bank and credit cards. I escalated it to a XXXX and they continue to tell me there system automatically charges cash advance fees and refuse to remove the {$20.00} fee they charged my account when it was literally placed onto my account manually because there is not any fees for cash app purchase on the first one made on my account. They also claim not to have to name specifically cash app as a cash advance because their system does that automatically but doesnt with cash app because the purchase shows as a purchase on their system and not a cash advance.