23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CareCredit Rewards, offered by Sychrony Bank offers Promotional and Non-Promotional ( or purchases ) balances. There is no listing for a balance on Non-Promotional balances. For Promotional balances you must go to their website to get the information. Each month we pay more that the monthly amount to pay the Non-Promotional. They informed me today ( XX/XX/year> ) that " the system '' puts all amounts toward promotional amounts. The consumer must call each month after each payment and advise they would like money paid towards their purchases, trusting that this will be done by the customer service agent. 

This incurs a balance on purchases that does not show on the monthly statement and the consumer ( me/us ) are not aware of. So, each month we incur $ XXXX for interest. 

This practice is not in any paperwork. I confirmed this with their customer service today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting to my equifax and XXXX credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it equifax keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets.

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief.

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXXXXXX XXXX XXXX unfair practices. Thank you, your cooperation is appreciated in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these hard inquries removed from my credit reports. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector all of the sudden started calling me regarding a debt from XXXX when I had an XXXX XXXX the insurance paid but there was some remaining balance. I don't recall receiving any written information since then. I moved from that address in XXXX and was ill for over 2 years living with family due to XXXX XXXX XXXX  I don't recall ever receiving any phone calls or mail from this debt collector until now, they are harassing me and from my understanding this debt is already date barred due to statute of limitations. Why are they calling me all of the sudden after 6 years?
Product: Mortgage

Huntington Bank Mortgage Account # XXXX has no idea where my escrow refund of {$5300.00} is. First check went to XXXX, IL on XXXX XX/XX/XXXX, second check was issues on XXXX XX/XX/XXXX, mailed on XXXX XXXX ; and stuck in limbo since XXXX XXXX. They are now telling me that they can cancel the second check and issue a third check but are refusing to transfer the funds via XXXX I do not feel that Hunting Bank is being honest on refunding my escrow balance adn is withholding the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background On XX/XX/XXXX went to a financial institution to get pre-approved for a mortgage. Unfortunately when advisor pulled my file, the personal information and items on the report were incorrect. The advisor said they would try again later, as there might have been a mistake during the pull. 

On XX/XX/XXXX, received an email from the advisor confirming the report pulled was associated with my SIN and let me know we would need to contact Equifax as the institution can not do anything on their side. 


Timeline of communications with Equifax XX/XX/XXXX - called to ask for guidance into how to address credit report issue. Process was explained to me in detail with specific words to use to get the issue resolved properly. Raised the ticket same day with all the requested information. Was advised it would take a maximum of 10 business days. 

XX/XX/XXXX - received multiple emails with updates on my file notifying the personal information was updated. The last email in the thread mentioned " Please note, with the information received, we can not process your request. It would be necessary to specify what information is incorrect ( providing the account number or any way to identify the item on your credit file that needs to be reviewed for us ) ''. 

However, in the original application submitted on XX/XX/XXXX I shared all the accounts related to me and their details as per the advise of the associated who guided me through the process. 

XX/XX/XXXX - called Equifax for help on this issue. No investigation was opened. 

XX/XX/XXXX ( twice ) - first time was advised systems were down and to try later. Second time explained the situation and an investigation was opened. They mentioned it was a rush case and it would take 2 business days. 

XX/XX/XXXX - called Equifax and was told investigation still ongoing and would be resolved in 3-5 business days. 

XX/XX/XXXX - called Equifax and was advised to contact Equifax via email and provide phone number so team could contact me directly. Later learned this is generic email address only to be used for generic queries or complaints XX/XX/XXXX - called Equifax and they let me know the investigation was completed and that the email stating the same would be sent the next day. I also requested that a physical copy of the report was sent to my address and they confirmed the request would be raised. 

XX/XX/XXXX ( twice ) - first time call was disconnected. Second time was informed the investigation was still ongoing, escalated and was told issue would be resolved in 48 hours. They mentioned the investigation was complete and only the update was pending. 

XX/XX/XXXX - called Equifax and was told they meant 48 working hours and to call the next day XX/XX/XXXX - called Equifax and issue was not resolved, investigation still ongoing, it would be 2 business days as it was rushed. 

XX/XX/XXXX - called Equifax and let me know that the dispute is still ongoing, that there are two items that are still being investigated and that again- it would be 3-5 business days.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account XXXX my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about XXXX the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my debit card number was stolen and over {$2000.00} was used on my account. I reported it to my bank and they blocked the card and I was issued a new card. On XX/XX/XXXX my new debit card number was stolen again and another {$2000.00} was stolen from my account.
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX XXXX balance with TransUnion because they were reporting that I was holding a large balance without paying it. This was not true ; I held a large balance on the card that was promptly paid off due to moving expenses. Disputing this led to TransUnion completely removing XXXX XXXX XXXX from my credit report, resulting in a drop in score of XXXX points, and now I am unable to process my application for a home loan preapproval. 

XXXX  XXXX  says Transunion shows NO credit score for me whatsoever. This means I can not apply for a home loan at all as it looks like I have no credit history despite being almost XXXX XXXX XXXX and using my credit cards almost every day. 

This is not the first time Transunion has given me endless hassles and struggles when it comes to my financial well-being. I have also watched them boost my husband 's credit score past XXXX points despite his history with short sales and mortgage defaults. Yet, I have none of this on my record- I was NOT connected to my husband 's short sales in any way as these transactions happened BEFORE we were married - and I can barely crack XXXX. My husband is XXXX  and I am XXXX. I have to wonder if these demographics play a role in how I am treated by Transunion.
Product: Credit card

Subject : Appeal and Follow-up on CFPB Complaint Against Citibank , N.A .

To Whom It May Concern : I am writing to formally appeal and request further investigation into my complaint against Citibank , N.A . concerning their actions involving my secured credit card account.

Key Issues for Appeal : 1. Failure to Provide Requested Documentation : I specifically requested a copy of the cardholder agreement or any document that outlines Citibanks policy permitting holds on available credit, particularly for a secured credit card account. To date, Citibank has not provided this documentation. This omission raises concerns about transparency and compliance with consumer protection laws.

2. Inconsistent and Possibly Unfair Practices : Secured credit cards are designed to minimize creditor risk by requiring collateral deposits. Citibanks continued practice of holding payments and delaying access to available credit after payment even when secured by collateral undermines the basic intent of such a product. Absent any contractual provision justifying this, such actions may constitute an unfair or deceptive practice.

3. Lack of Justification for Payment Holds : Citibanks response referenced risk factors such as payment amounts and return history to justify holds. However, this rationale is more appropriate for unsecured accounts. The secured nature of my account mitigates these risks, and Citibank has failed to demonstrate a legitimate basis for imposing these restrictions.

4. Potential Consumer Rights Violations : The Fair Credit Billing Act ( FCBA ) requires timely crediting of payments. If Citibanks policy or practice delays credit availability without appropriate contractual disclosures, this may represent a failure to comply with federal standards.

Requested Action : I respectfully request that the CFPB take the following steps : 1. Require Citibank to produce the cardholder agreement and any supporting documentation justifying their hold policies on secured accounts.

2. Investigate whether Citibanks practices constitute unfair or deceptive acts under federal consumer protection law 3. Ensure Citibank adheres to its legal obligation to maintain transparent and fair credit practices for secured cardholders. 

I appreciate your attention to this matter and your continued efforts to ensure financial institutions are held accountable for their practices. 

Sincerely, XXXX XXXX Let me know if you need adjustments or prefer additional details.
Product: Credit card or prepaid card

In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. 
I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. 
When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. 
You assistance in investigating Shop Your Way Mastercard appears to be necessary
Product: Payday loan, title loan, personal loan, or advance loan

I was moving into a new home and needed money to assist with the down payment. The company had been reaching out to me to let me know that I had money available if I wanted to renew the loan. I debated over and over because I did not want to start the loan over. I was only paying {$160.00} a month. After having something come up unexpectedly, I decided to go ahead and renew the loan. which was a very paid ideal. My payments went up to {$360.00} and the total of my loan went to over {$20000.00}, I wasn't expecting this just only getting {$500.00}, I was desperate at the time and wasn't really thinking. I was called last Saturday at home and I told XXXX, the manager that I had recently had a lot of medical  ussues. I have had a XXXX XXXX XXXX XXXX XXXX and I am having a XXXX  tomorrow. I have had to pay over {$1000.00} in medical bills in over the last month and also my car needs repair. I was also called at work today.which I did not appreciate the call and the tone of the call. I understand that i am almost 30 days past due on a new loan that I hate that I took out. I do not like the tactics and the tone being used with me. I have some very serious medical issues right now. This is adding stress. I was working two other jobs when i got this loan and due to my XXXX  I am not working them right now, so it is limiting my income. I think it is predatory lending that for {$500.00} I went from paying {$160.00} to {$360.00},
Product: Checking or savings account

On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this " thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.
Product: Vehicle loan or lease

On XX/XX/2020 I became victim to identity theft, my bank account is cleaned out. Starting on XX/XX/2020 I contually kept calling and massaging Santander Consumer to get hardship extension, they would not respond to my messages and online chat said they couldn't help me and I kept getting disconnected on the phone with them to. Finally on XX/XX/2020 I was abled to speak with a lady who transfered me to the right department. 
After explaining what happened and telling them the bank has up till XXXX to credit my money, Santander consumer usa refused to help me. Knowing I was scammed originally from the dealer, probably thing were involved. They said they can't help me, yet they advertise that if your going through hardship they will work with you. I told them it's not my fault someone stole everything from me. They didn't care, and said no. 
I have never been late nor missed a payment and they know I was scammed po sting {$100.00} more a month then I can afford because the dealer lied to me about the amount I would be paying. All I asked for was extension till XXXX. And they made appoint to tell me any thing late will be reported to credit report up to repossession. I'm was in every emotion, someone stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my name social security number is XXXX my complaint is that experian has filed my disputes for the three negative items that are fraud I filed a federal trade commission identity theft report for the three negative items that are charged off normally experian will delete them in 24 hours off my credit report .and my complaint regarding XXXX  credit reporting agency there's only one negative item that's XXXX  XXXX please tell XXXX  to have that item removed due to fraud I filed a federal trade commission identity theft report with XXXX too
Product: Credit card

I opened a Credit Card with Ally Bank in XX/XX/XXXX with a promotional offer of {$200.00} if I spent {$500.00} before XXXX of XXXX. 

I kept my end of the bargain and I have been calling ALLY BANK every XXXX weeks since XXXX. Now we are in XX/XX/XXXX, and the managers are exhausted writing complaints on my behalf and ALLY BANK does not credit me my {$200.00}. 

I have been a customer for many years. My family and I have many accounts. This is not a professional nor ethical way for XXXX XXXX to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting rejected for insurance and credit cards because they are reporting unverified items and now they are refusing to verify anything and keep saying they can not find my file.
Product: Credit reporting or other personal consumer reports

Certifphi and their associates failed to perform their due diligence in accordance with the FCRA in that they failed to investigate and certify the accuracy and truthfulness of information contained within the report issued to my employer which has now resulted in an adverse action being taken against me by my employer.
Product: Mortgage

This is related to Select Portfolio Servicing , Inc. and XXXX XXXX. In XXXX my wife and i took out a HE Loan with XXXX XXXX ( XXXX ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with XXXX XXXX. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, XXXX sold my loan to SPS, Inc.  There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from SPS for the lien they assumed from XXXX, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by XXXX. I am being told by SPS Servicing , Inc. that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told SPS the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact XXXX XXXX other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.