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

On XXXX XXXX and XXXX XXXX, XXXX I made two payments to American Express Platinum in the amounts of $ A and $ B respectively. They have acknowledge receipt of those payments on those dates. Unfortunately the later payment was credited to the wrong account by my error. On XXXX XXXX I recognized the error and called American Express to correct the matter and ask that the latter payment be transferred to the correct account. American Express assured me the matter would be corrected within 48 hrs. On XXXX XXXX it had not been done. On XXXX XXXX I was denyed use of my card. I checked on the account and determined that the $ B credit had not been credited to my account so I called again to ask that the transfer be done and was assured that it would be corrected. On XXXX XXXX American Express called and demanded a payment to bring the account current and indicated that I would contunue to be denyed use of the card if I did not. I explained that I had made a payment and was trying to get it credited to the account but was not getting any help from American Express to rectify the matter. I explained the matter to the representative, they acknowledged receipt of the funds and again told me that the matter would be rectified within 48 hrs. and that notes had been made in the file to that effect. I called American Express on XXXX XXXX and was told the matter was still pending but had been submitted for approval on XXXX XXXX and should be corrected within 48 hrs. I called American Express on XXXX XXXX and have now been told that the submission on XXXX XXXX was denied because the representative did not use the correct procedure and that it will take another 48 hrs after a submission to get the matter resolved. Notwithstanding that I made the payment on XXXX XXXX I am now being denied use of my card and auto payments are being returned to the vendors.
Product: Credit reporting

XXXX reported to credit bureau that i owed $ XXXX.i have never had any dealings with XXXX of any type nor received any contact from them.checked my annual report in XXXX and that was the first i knew of this account that is not mine.filed complaint with trans union two times, they asked for documentation?? if i never had any dealings with XXXX, how can i have documentation?? i have a prepaid XXXX for 5yrs.and a XXXX, never had XXXX.do n't know how someone purchased it or ran up a bill of {$2700.00} without making any payments before it was closed by XXXX after 6mo.i do n't know how to resolve this, i 'm a retired elderly person and can not afford to hire someone to correct this.XXXX deleted XXXX after they investigated.the above case number is for trans union.
Product: Credit card

Signed up for the AMEX Delta Gold Skymiles card with XXXX bonus sign up miles plastered all over the AMEX website by clicking " apply here '' right next to the promo. XXXX miles crossed out with a red mark on advertisement on AMEX website. Spent the XXXX in the first month. They awarded me XXXX miles. After escalating the issue they claim I didnt sign up for XXXX miles. And apparently NOBODY can show me proof of when the promo started and when I applied to show that the promotion was indeed in effect. Baiting, switching, and then insisting that a brand new customer is lying is not a good way to start off a relationship of loyalty. Especially when that customer is spending money.
Product: Checking or savings account

I previously held an account with Wells Fargo and believe I was wronged as part of the issues that led to the banks {$3.00} XXXX fine by the CFPB. I am seeking reimbursement from the recent settlement for any improper actions that affected my account. Specifically, I may be entitled to compensation for issues such as improper automobile repossessions or other wrongful actions by the bank. Additionally, I request compensation for the inconvenience and harm caused by these actions. 

I consent to publishing this description after the CFPB removes personal information.
Product: Credit card

My Chase credit card began to be swiped for several weeks on XX/XX/2023. I only found out on XX/XX/2023 that almost more than XXXX XXXX US dollars had been swiped from the card. When I found out, I immediately called Chase Bank and told them that my card had been stolen. They also helped me change a new bank card and refunded the money on XX/XX/2023. It wasn't until last month that I discovered that my bank credit card account had been rebilled. I also called Chase Bank to inquire. They said that through investigation, they found that the stolen money was used by me. I told them that it was not used by me. There are places Ive never been to where I wouldnt spend money. Chase bank said that it would open another file to help me investigate. It was not until yesterday that I received a letter from Chase about the investigation results. Chase once again said that through investigation, it was found that I had used it and could not help me get the money back. I am very disappointed. I have used Chase bank cards for almost XXXX years, and this is the XXXX  time I have found that they have been stolen. However, their investigation methods make me feel that they are very casual and do not seriously help us consumers. I hope cfpb can help me recover my stolen money. I'm still a student and there's no way I can pay back the money that was stolen.
Product: Debt collection

I called today ( XX/XX/year> ) at XXXX to figure out and understand my options for a bill I did not know that I had that was sent to collection agency. The bill was for a total of {$490.00} for well child visits for my XXXX  daughter. The representative used extremely abusive language. When I asked her to please stop being rude and abrasive, she became irate and out of control. I struggle with auditory processing so it takes me a little longer to understand things. She continued to raise her voice at me and said well heres me being more abrasive! Which is a very threatening verbiage and should not be used especially when I was in no way trying to be difficult. Just trying to get my ducks in a row with how to handle the bill. I do believe abusive language is not allowed in this type of profession and I think she needs to be subjected to disciplinary action. This representative is employed at New Hampshire/Northeast Credit Services .
Product: Credit reporting, credit repair services, or other personal consumer reports

Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
Product: Mortgage

I XXXX XXXX submit this complaint against Mr. Cooper concerning my alleged missed XX/XX/XXXX Mortgage Payment. Whereas I sent my payment to the XXXX XXXX XXXX XXXX in error. Using my Mr. Cooper XXXXaccount loan number aware that my account was being held by Mr. Cooper starting in XXXX. On XX/XX/XXXX I mailed XXXX a money order for {$1400.00}. I assumed my payment was posted into my account, until XX/XX/XXXX when I received a check from XXXX refunding my payment. Because of the miss communication, XXXX intentionally caused my XX/XX/XXXX payment to be late by not returning it to me timely. When I did receive the check, I immediately forward the check to Mr. Cooper with a copy of the original money order showing the date along with the correspondence from the XXXX, Informing Mr. Cooper my mortgage payment was paid on time. I was criticized by Mr. Cooper for the XX/XX/XXXX payment being late. As of XX/XX/XXXX, Mr. Cooper claims that I miss the XX/XX/XXXX payment I still owe a balance of {$2100.00}. Mr. Cooper/XXXX  sent me my XXXX mortgage statement clearly states I owe a total of {$4200.00}. I was informed by Mr. Cooper that my check for {$1400.00} was shredded, and Mr. Cooper claims they sent me a notice concerning my checkthis was a notice I never received until XX/XX/XXXX after inquiring about my missing payment. The letter wasnt addressed to me ( XXXX XXXX ) it was addressed to XXXX ( letter attached ). I felt like Mr. Cooper assumed that I have money to give away. Because of their so-called check policy, they shredded my check not intending to return it to me or credit it to my account. It was stolen from me without any recourse on their part. I was also informed by Mr. Cooper that I made a XX/XX/XXXX payment in the amount of {$3000.00} I have no conscious of any such payment. The mortgage payment I paid for XX/XX/XXXX in the amount of {$1800.00} that payment was submitted by money order ; which leaves a difference of {$1200.00} which was posted on XX/XX/XXXX. The numbers do not add up. Therefore Mr. Cooper owes me a full reimbursement and credit to my account for the alleged missed XXXX payment.
Product: Debt collection

I am writing to you regarding fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! XXXX, EXPERIAN, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...
Product: Debt collection

I am repeatedly getting calls from this company, although they do not provide the company name or any of details. They call me at least 3 times a day. They are also calling my work, many of my relatives, and refuse to stop. I have asked them repeatedly to ceases and desist and they flat out refuse and tell me to do my best.
Product: Credit card

On or about XX/XX/year> my HELOC Banker contacted Citi Master Card for a TOTAL PAY OFF OF THE CARD. 

THE C/S Representative told her approx. {$17000.00}. 

This was the total amount of the HELOC check mailed to citi Master card. 

I received a billing that did not show a XXXX  ( {$0.00} ) balance but approx. {$290.00} ( residual interest ) NOT DISCLOSED or EVER appearing on ANY monthly statement. Requesting a supervisor just resulted in a VERY " hard headed '', no flexibility on their part REGARDLESS of not being informed of the " residual interest ". 

To add insult to injury, citi XXXX has treated the " residual interest " as a " purchase balance '' to add on XXXX  % interest - even after receiving the {$17000.00} for the provided balance. Thus, adding {$130.00}, in additional interest. 

New bill balance is {$430.00}. '' ============= I, in turn, tried to resolve over the phone with a C/S Representative ( XXXX XXXX XXXX XXXXXXXX ) I requested an internal " complaint / issue '' letter be submitted on my behalf. Last week I received a DENIAL letter saying I don't meet their criteria, thus NO assistance would be considered or provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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: Credit reporting or other personal consumer reports

All inquires attachedd need to be delete It is violating my rights there is no account attached to these inquires also I did mot give written permission for to report anything to my file remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a method of verification from Equifax XXXX XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Debt collection

I am a victim of identity theft. 
XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$1500.00} Both are charges fraudulent
Product: Checking or savings account

I applied for an account with Discover Bank and was unaware that it was a savings account. Once I was told that it was a savings and that no debit card would be issued I chose not to have the account. The account shows on XXXX XXXX XXXX and I would like to request that it be removed off of the report.
Product: Student loan

We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.
Product: Bank account or service

In XXXX of this year, I received notification from my bank, Wells Fargo , NA, that my safe deposit box fees were increasing from $ XXXX to $ XXXX ( minus a {$5.00} discount, to total $ XXXX. I inquired on line with their customer service as this was more than a 40 % increase and I had not changed the size of the box. My reply from them on XXXX XXXX, 2015, was that they could not help me but to contact my local branch. I went to the local branch and was told by XXXX of the tellers that they had not heard about the increase in fees but I should speak with the branch manager who was out that day to see if there was anything they could do. They promised to have her call me the next day when she returned. I waited several days but she did not call me. I went to the branch about a week later and said that no one had called me. They promised to have her call me again. I never did hear from her or anyone else from the branch. I would like to know if this experience is typical and can banks charge these outrageous fees with no recourse to the customer other than moving my business? I am seriously considering moving my business but my credit union has a six month wait list for new customers lock boxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that I am having problems with is Experian. Over a year ago I had to declare bankruptcy. When I filed bankruptcy it was supposed to clear out my debt and give me a restart on my credit. I understand the bankruptcy will be on my credit report for up to 10 years. 

The problem is Experian is including 10 accounts that I was not able to pay and showing them as delinquent. These accounts were settled with my bankruptcy and they should not be included in my credit report. 

I do not have this problem with XXXX or with XXXX XXXX. What can I do to get Experian to remove those 10 accounts that were more than 60 days behind from my credit report?
Product: Debt or credit management

XXXX Credit Report I downloaded the Experian App, and they continuously prompted me to sign up for the free trial for their Experian XXXX XXXX Membership, and said there was a Free Trial and I could Cancel Anytime before the trial ends. As the trial came to an end I realized there was no place in the app or online that I could cancel the membership. When the trial ended I was charged the Membership Fee of {$27.00}. I emailed the Experian Customer Service asking to cancel the membership, and I locked the Debit Card that was connected to my Experian account. It has been a few months now and every few days since the XXXX month when they tried to charge me again, I have been getting multiple emails and alerts that they are trying to charge me and that my payment method needs to be updated. I have emailed them three times now but have gotten no response. When I log into the Experian App, it immediately prompts me to update my payment information and will not let me log into my account unless I pay the membership fee, so I am unable to even remove my Debit Card from my account. I have read online that many many people have had this same issue and that it takes months of emails, and many XXXX minute phone calls with repeated attempts to up sale and total disregard for customer wishes. ( i.e. trying to switch customers to Basic Memberships when they ask to cancel, asking irrelevant questions about their experience in attempt to get the customer not to cancel, and stalling on the phone for 30min-1hr in attempt to have the customer hang up so they dont cancel the membership ) Please look into the Experian Credit Report Company and their shady Membership Fee practices and their terrible customer service while canceling memberships and general hospitality towards customers. I have still been unable to cancel my membership and have just sent my 4th email to them, and I am hoping to not have to call them, but I will have to if this keeps going on. Thank you for taking my complaint.
Product: Checking or savings account

a company name is XXXX stated the official website is XXXX XXXX XXXX offered me a join of submitting reviews stated the work website https : /utility-top.com. these people made me deposit money to release my earnings and get more work and then i will get paid for everything. they wouldn't let me take my money eventually after lots of promises. i put XXXX $ into this and now they want me to deposit another 2000 $ to get my money back!. i asked my bank to dispute transactions they refused stated i authorized the transaction. even when i explained everything to them they refused to dispute the funds. i believe that is not fair. I bank with chase.
Product: Checking or savings account

I went into td bank in XXXX time 2017 and they told me my accounts have been a risk even tho I never did anything risky and I wud have to call customer service to get my balance {$160.00} sent as a check and they locked my account.. I called customer next day service and they said only bank manager of my local bank can approve me taking out my money so I spoke with my bank manager of XXXX ny on XXXX XXXX her name is XXXX and she said only customer service can do it and she cant do anything they kept me going in circles and I needed that money to pay one of my credit cards I had from a XXXX XXXX XXXX when I tried to transfer it to my XXXX XXXX credit card money I owed it kept undoing it causing me to have {$200.00} dollar fees and bad credit late notice on my XXXX XXXX to my credit report. Not to mention td kept charging monthly fees even though I had no access to the money
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.
Product: Mortgage

I have sent United Wholesale Mortgage letters of asking for the original promissory note, and asked them why i was never told my promissory note was a security and it was sold. I sent them a recission letter and a power of attorney letter as well. I have gotten responses back of letting me know i have another loan specialist and a quote for a payoff request.
Product: Credit reporting

There is line item, after line item, linked to my credit history that belongs to my former spouse. For example : filing for bankruptcy on a house I never owned, to bank accounts not in my name, credit cards, among many others, has somehow become attached to my credit history. I just discovered this information in a recent credit report request. It 's never shown up before. Why now? How do I remove this from false information from my credit history? Is this the only site that I can place this information? I am supporting my XXXX children and have suffered from this false reporting. Thank you.
Product: Checking or savings account

I received a debit card from a bank I had never heard of. Customers Bank in PA. Then a couple days later a a bank state from same bank. All balances were XXXX. I called customers bank and closed the account. That same day i Received inquires about my XXXX account ( Mastercard ) about transactions that looked questionable. Two transactions were not mine. That particular Mastercard has been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to XXXX XXXXXXXX XXXX, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.