23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ill filing a complaint because this company has put two hard inquires on my credit report and I only got added as a authorized user to a XXXX XXXX credit card on XX/XX/year> the first week of XXXX of last year and never got removed ive tried to contact this company through calling, and letters and us bank is ignoring me and will not remove the inquiry dated from XX/XX/year>. Which is not mine, but it shows on my credit report and its affecting my ability to apply for things and affected my score. Also, I have an account with them as the authorized user. Ending in XXXX & I recently went to the us bank branch to get a document notarized, and I was discriminated against I was told if I only have a credit card thats not consider business with us bank because its not considered as a account and I will have to open up another account and get approved but only if I get approved for a different type of account, I can then get a notary very bias because their website states all you have to do is be a customer to get something notarized I also made two purchases on this account for two different companies XXXX XXXX and XXXX and it was declined this account is getting blocked from making certain purchases to were purchases will go through then the funds will get returned. I called and is bank told me it was an issue with the online merchant website and That their not the ones keep returning the payment so its very sad. I have to have a credit card in which I have to play games with to use I can only use this card for certain things because U.S. Bank has a fraud /flag on the account preventing me from making purchases automatically even when I call to verify myself. Every time a purchase dont go through. I call customer service and they leave me hopeless or I get we dont see anything wrong Why would somebody have a card that they can not use fully? They also treat authorize users over the phone very disrespectful. I believe the calls on this account in particular should be pulled because one minute they honor authorize users and the next minute us bank gets rude, unprofessional on the phone shouldnt a authorize user be able to call and access certain details and what not they tell me that the account holder has to call in
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  XXXX XXXX  XXXX  ; Credit Reporting Agency ; XXXX, Equifax, XXXX  ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : 08 XXXX  XXXX ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.
Product: Debt collection

Someone used my information to establish cellular service through XXXX. I have never had an account with them. This account started to appear on my credit report approximately late XXXXXXXX XXXX. I was no longer living in the house that the XXXX account was linked with. I called to inform them that I didnt open the account, but they were insisting that I did. At that point I told the t representative if they could provide anything with either my signature or initials on it, or even copy of my ID, I would pay the account in full. After receiving no response, I decided to dispute the account with each of the various credit bureaus. The dispute was successful and the account was removed from my report. 

Approximately a month later, the charges reappeared on my credit report, however this time they were filed by a different entity, with a new account opening date, resetting the XXXX years it would sit in my report. I submitted another dispute, which was also successful and the account was again removed for my credit report. To date, I have disputed this account XXXX separate times, each dispute having been successful. 

The account has now reappeared on my credit report, submitted with yet another company name, a new opening date and all new information. Ive tried resolving this repeatedly, but story of hiring an attorney I dont know what else I could possibly do to resolve.
Product: Money transfer, virtual currency, or money service

I zelled around $ XXXX to a user that was not the recipient because the phone number was off. Bank told me they couldn't do anything about it.
Product: Credit card

This is for a Nordstrom store card. Due to being 30 days late as i was hospitalized with XXXX in XX/XX/year> my mother sent payments in manually to the mailing address for Nordstrom Card services. I have never been late prior to this hospitalization in XXXX. I ask Nordstrom as a goodwill to reverse the late payment as I have had exceptional payment history with them. This is no way to treat customers that were drastically affected during XXXX peek and still made efforts to pay their bills on time.I will like someone to look into my account and attempt to reverse the 30 day late payment.
Product: Mortgage

XX/XX/2020 XXXX Called Shellpoint/NewRez to check status of escrow analysis, was told it was in process and company has until XX/XX/XXXX to complete. 
XX/XX/2020 XXXX Called Shellppoint/NewRez to advise still no escrow analysis received, XXXX advised he ordered on " super expedited '' and request should be complete within 1-2 days, and in my mailbox by " next week '' XX/XX/2020 XXXX Called Shellpoint/NewRez for status of escrow analysis, was informed payment due increased due to having 2 homeowners insurance policies. Was on the phone with XXXX XXXX, I was informed that XXXX policies were being charged on escrow, I emailed XXXX Page of the correct and only policy, and this was corrected to one homeowners insurance policy. New escrow analysis ordered. Was advised request was " expedited '' and should be complete by end of week. 
XX/XX/2020 XXXX ( XXXX ) Called Shellpoint/NewRez for status of escrow analysis, will be done by Weds, feel free to call us on Weds for results/information. 
XX/XX/2020 XXXX Called Shellpoint/NewRez, ( XXXX XXXX the XXXX ) not completed yet, call back in a few hours if you'd like. I hung up disgusted and angry.
Product: Credit card

The bank failed to help. Repeatedly never returned my calls. This has gone on since XXXX of XXXX I called and sent registered mail XXXX and XXXX time a month for XXXX months. 
I paid off all the fraud charges and all that has remained is service charge and interest which I will not pay for their negligence.
Product: Credit reporting or other personal consumer reports

I am getting unwanted credit monitoring from : XXXX XXXX
Product: Credit card

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to ASPIRE credit card on my account ending in XXXX It would help me during hardship situation to recovering. Also known as ASPIRE CREDIT CARD closed my account without giving the opportunity to recover from this hardship situation and won't offered me any moratorium, deferment or new payments arrangements, they also did not apply the credit card insurance that I was enrolled just in case of job loss and did not apply the promise to not harm my credit report when I was insured and enrolled on the credit lrotection program.
Product: Mortgage

On XXXX XXXX I received a presentment from CADENCE BANK XXXX XXXX  stating TOTAL DUE {$30000.00} TO BRING YOUR LOAN CURRENT. On XX/XX/2024 I delivered the presentment along with a check in the amount of {$30000.00} drawn form my account at XXXX XXXX XXXX XXXX XXXX XXXX. I delivered the check to Cadence Bank located at XXXX XXXX XXXX XXXX, XXXX I presented the check along with the presentment sent to me by Cadence Bank to XXXX XXXX, XXXX XXXX got on the phone with XXXX XXXX in the XXXX XXXX XXXX Cadence Bank. XXXX XXXX told XXXX XXXX not to accept my tender of payment although it was for the full amount stated on the presentment sent to me by Cadence Bank. I have a video of the transaction in which XXXX XXXX is refusing to accept tender of payment in accordance with the verbiage on their presentment. I received a foreclosure notice a few days later from XXXX XXXX XXXX ( XXXX ). I contacted XXXX XXXX to discuss this issue his office told me they would have him call me back, to this day XXXX XXXX has not responded. UCC 3-603 states that if tender of payment is made and refused the debt in the amount of the tender must be discharged. If everyone has equal protection under the LAW why are banks allowed to ignore them
Product: Credit card or prepaid card

Hi, I have purchased packages for a winter festival in XX/XX/XXXX, named XXXX. 
In XXXX the company cancelled the event due to covid-19, and originally promising a full refund by XXXX, which eventually they did not honor and decided to issue vouchers instead. I had paid over 10 different charges with my card and i immediately put in a billing dispute for all of the 10 charges. Chase has gone in my favor for 8 and for the other 2 charges they decided against me since it was a government mandated shutdown. I went ahead and re disputed those 2 charges and for one i got a letter in the mail that it was overturned in my favor and it was a mistake to rule it against me. However for the last charge of XXXX they just said since the company offered a voucher i will still be responsible to pay. Fast forward XX/XX/XXXX, XXXX for XXXX has been cancelled and now they have no choice but to refund me for the unused voucher, i learnt when i tried to fill out my form that my vouvher has been voided since i put in a chargeback. After emailing them i received an email that they will refund my card which still has yet to happen. I have sent all this information to chase and hopefully this can finally be resolved.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my equifax credit report that does not belong to me. I demand the following inquiry be deleted from my equifax credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Cash app is complicit in a scam stealing {$1000.00} from me. I was charged a scam fee paid through cash app. I reported the incident and supplied pictures of the damage/proof of the scam. Cash app went past their promised 10 day response time and never provided the promised update. After reaching out to customer service I was finally sent what appears to be a denial letter, but it doesnt say that explicitly. From the statement despite specifically asking for pictures, cash app didnt review the pictures. Further the name under customer was not my name or anything close to it. It appears that cash app didnt actually conduct any investigation despite promising to do so. And their attention to detail and professionalism are so low that they didnt follow through on their promises for time frame, documentation, or even the correct customer name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNT FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This is another predatory loan company that has an interest rate of 727.26 % which at the time I took the loan out I was not aware of how HIGHLY illegal it is in my state of Georgia. I took out a small loan and would have to pay back almost 4 times the amount that I borrowed.. again their interest rates are ILLEGAL in my state of Georgia
Product: Debt collection

I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.
Product: Credit card or prepaid card

Wells Fargo offered me an 0 % interest credit card promotional rate that expires what I thought would be XXXX of XXXX, but I was just told it expires XX/XX/XXXX of XXXX. In XXXX of XXXX, they sent me a promotional check to use with a 0 % interest for one year. The disclosure statement read " we will apply your minimum payment FIRST to lower APR balances. '' So I decided to use the check for {$600.00} since I had a year to pay it off. I got a second offer in the mail XXXX of XXXX with the same offer and the same wording and decided to use that check for {$200.00}. I have a {$7000.00} credit card limit that has never been about {$3000.00}. Since I knew the first promotional rate was about to expire, for the last year I've worked hard to get the balance down. My balance today is {$900.00}. I knew the other two offers totaling {$800.00} had time to expire, so I was about to make the last payment today of {$100.00} toward the first balance so I wouldn't have to pay any extra intrest. I called Well Fargo and spoke with XXXX to where she informed me that I still has a promotional balance left of {$580.00} that would expire XX/XX/XXXX. I asked her how is that possible when the other two promotional rates came after this one. She then explained they apply the minimum payment between all three 0 % balances. I pulled out the statement and read the exact offer letter and read the exact samething to her. " We will apply your minimum payment first to lower APR balances. '' I advised her it doesnt say anything about splitting it between the the three zero percent balances, becasue the first one had not been paid off yet. So my understanding of the payments would be applied to that one first. She put me on hold and transfer me to the customer care team. I spoke to XXXX XXXX who had a matter of fact tone, that she didn't care and the bank split my payments between all three balances. I advised her again, nowhere on the two offer letters does it read if the APR balances are the same it would be split between all three, the wording is FIRST to the lower. I asked her to send me what she is saying in writing so I can see if for myself. She advised me she had nothing she can send me to prove what she was saying but instead would create a case for me so a higher party can review it. I was only asking since it was explained in detail how the money was going to be posted, to reapply my payments to cover the first promotional balance. Instead, I was told I would be created a case #, and someone will follow up with me. I asked when she said she didn't know. I asked when should I follow up, she didn't know. So, I'm taking the matter in my own hands. Wells Fargo should have clearly defined that it would be split between all three 0 %  cards. I would have never used the other offers knowing I wouldn't have time to pay it off. I just want my payments backed off and applied to how it was written. Case # XXXX.