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

On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX  day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX  website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit.  I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards.  I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Starting in XX/XX/2020, XXXX and I notified Fedloan Servicing that the Loan was forgiven on XXXX XXXX. Official notification was provided in writing notifying them of XXXX decisions as well as multiple conference calls with them and the previous loan provider directing both of them to process the loan write off. Fedloan Servicing has declined multiple request to process the request and continue to report this as a active loan to all the Credit Agencies. Multiple managers with Fedloan Servicing have committed to resolving this issue and communicate back with me with specific timelines. They have failed to meet their commitments .The government agency XXXX advised me to file this actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous method of verifications and advised I have no contract with an account called XXXX XXXX. Equifax removed it off my credit and then added it back a few days later. They still have not sent me the information I have requested. All they ever say account is verified. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report. If they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of the letter then they must remove these accounts from my credit report. This is about my 4th complaint with you all and now I have went to the attorney general as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently arrived at a settlement with TD Bank regarding reinstatement of my mortgage account. Throughout the duration of the legal proceedings, I was being charged with " late payments '' on my credit report as well as with a foreclosure mark as well. 

After the settlement, the foreclosure mark was removed but the late payments are still on my account. I was ready to begin paying my mortgage from the beginning of this entire ordeal at the mortgage rate in which we settled on eventually despite the legal proceedings. 

TD bank was solely responsible for not accepting my payments due to inefficiencies on their part and I do not believe that I deserve to be continuously penalized for something I could not control ( ability to make payments ). 

I respectfully demand that all late payments be stricken from my credit report immediately in order to prevent further financial hardship on the consumer. 

Please feel free to contact myself or my attorney if you require any information which you do not already have access to. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has repeated fail to c re-investigate disputed information on my XXXX Credit Report for inaccuracies, unverifiable and incompleteness. XXXX XXXX, XXXX XXXX, Collections, Inaccurate personal information are among errors on my consumer report continually being reported.
Product: Debt collection

I held an XXXX credit card while XXXX XXXX military that was unknowingly written off to TransWorld Systems Inc ( TSI ). TSI has garnished my federal tax returns without a court order and refuses to send me any information regarding my account. I have asked repeatedly over the last 18 months for a written statement disclosing my account number, monthly fees, interest rate and current balance. I have yet to receive anything, yet my account balance is still raising astronomically each month. I have spoken with a lawyer regarding the unlawful tax garnishment, but was told I can not do anything about it. TSI has deceptive debt collection practices and is ruining my credit no matter how hard I try to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to verify the debt on account. They verified said debt and upon further investigation on my own behalf I found that there were still some inaccuracies, therefore a thorough investigation could not have been done. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.
Product: Mortgage

Rescue funds brought this mortgage current in XXXX of 2016. {$1200.00}. Attached is the letter used to show amount needed to reinstate the loan at the time, with a date it had to be sent in by. Since then, the borrower has made each monthly payment. She was informed recently that she is delinquent again in the amount of {$400.00}. This should not be possible, as the rescue funds reinstated the loan to current and the borrower has made each payment since. I contacted CITI on XXXX/XXXX/2016. I spoke with a woman named XXXX. I asked her how it was possible that she is delinquent again when we sent in a check for the exact amount they told us to. She would not give me information about when the payment was due from, she stated " she did n't know. '' But, she " thinks '' it was from somewhere back when the client filed bankruptcy. If that was the case, then why was this amount not included in the amount given to bring the loan current in XXXX? The only assistance she could offer was to send a " payment history '' to the client that we can review to find out where the payment became delinquent. Please see attached " payment history. '' I have been XXXX for 4 years and I certainly can not understand the document they sent to the borrowers. I have no idea how a borrower is supposed to understand it. The borrowers are on a fixed income and the amount sent to reinstate the loan was a one-time payment. What we thought would ( and were told ) would bring the loan current. CITI stating the borrowers are still delinquent is incorrect and extremely frustrating, especially when they will not tell you why or how.
Product: Credit reporting or other personal consumer reports

I requested proof of me signing a contract with the creditor and also asked if they can send me a of my identification card as well as proof of a signed contract WITH MY SIGNATURE for creating this account! I expressed if they can not provide the items Ive requested, I would like for them to remove the damaging item from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from Experian.com and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
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: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX, I received notification from my credit card company that I had a fraudulent charge for {$3.00} from the " XXXX XXXX XXXX '' company. 
I never bought anything from the " XXXX XXXX XXXX '' company. The company name and credit card charge I never made. 
XXXX XXXX XXXX XXXX XXXX$3.00} credit card charge by " XXXX XXXX XXXXXXXX XXXX was made during the time I was sleeping -When I woke up and saw the fraudulent charge, I locked the card at XXXX XXXX on XX/XX/2023 -on XX/XX/2023 XXXX XXXX, the " XXXX XXXX XXXX '' tried to use my card again for {$4.00} ( the card was locked few minutes earlier, so the charge did not go through )
Product: Mortgage

Loan was sold to SLS ( specialized Loan Servicing ) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base. The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan. Discussions with SLS on XX/XX/XXXX and again on XX/XX/XXXX indicate discrepancy. 

Thank you for the explanation of how the escrow analysis is achieved. This however does not explain the discrepancy of funds as processed by both SLS and XXXX. 
Taxes paid in XXXX were XXXX, and XXXX were XXXX. Hazard insurance paid in XXXX were XXXX, XXXX were XXXX and currently are XXXX. Clearly there is no need for any increase in monthly payment, rather a decrease. There needs to be a complete review of escrow withholding and reporting dating back to XX/XX/XXXX. I believe there is inaccurate accounting and reporting or fraud.
Product: Student loan

In reviewing my credit report- Department of education/Navient has added over XXXX worth of interest to my student loan debt from dates ranging from XX/XX/XXXX to XX/XX/XXXX. Per my XXXX credit report Navient added a note showing an increase of student loan interest from XX/XX/XXXX - XX/XX/XXXX of XXXX. They just recently added a note of a increase of XXXX from dates ranging from XXXX. Due to the Coronavirus pandemic, aren't fees suspended starting XX/XX/XXXX - XX/XX/XXXX? Why am I being charged for interest or accessed fees during a pandemic crisis? Secondly, the amount of the increase is astronomical. a XXXX fee for 1 month vs from XXXX XX/XX/XXXX only XXXX? 
Please investigate this and have Navient make the applicable adjustments. In dealing with Navient as long as I have, I just have a feeling once this pandemic is subsided, they will quadruple fees to my student loans??
Product: Debt collection

Dear LVNV Funding LLC Your company must not be aware of the FDCPA, because you have violated my consumer rights. 

Account Number : XXXX In accordance with the FDCPA any violation you commit against a consumer you are liable for {$1000.00} per violation which you have committed. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Also please be aware that any electronic transfer of information is not validation of an alleged debt.

Please cease and desist with contacting me and with any further attempt to collect this alleged debt.

Also Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX the consumer gave LVNV no consent to share my personal nonpublic information with any third party companies. An in fact XXXX, XXXX and XXXX or third party for-profit companies. An in fact they are in no way associated with, back by, bonded, by any government agency or bureau. You are in violation and this will not be accepted or tolerated in any way by me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX certified letters XXXX on XX/XX/2018 & XX/XX/2018 advising that I am not responsible for this insurance debt. I was never in an accident. l requested documentation a police report, etc. From the originator who sent me a letter back in XXXX. This information is being reported incorrectly on all of my credit reports as if it is a bankruptcy and checking XXXX XXXX Account ( XXXX ) because it can't be added as a collection debt. This is an illegal business practice on the part of the originator of the debt and LexisNexis. This debt was in dispute prior to it being placed on my credit report. This is not my debt, and it needs to be deleted from my credit report.
Product: Checking or savings account

WORST experience of my life with a bank resolving THEIR mistake. Put a cashiers check for my landlord in who knows whos account. Claimed it was corrected but REFUSED to give me a corrected receipt for the deposit. Branch manager refused even when I asked can you just type up a letter on your letterhead stating correct amount and account and again she REFUSED!!! This is your mistake and this is your way to fix it for a customer???? Disgusting. I will share this experience on social media daily How do you REFUSE to proved a corrected receipt for a deposit to a customer when you all messed it up to begin with????????? 
All I have is a persons word its fixed??? What if a month later the landlord claims they never got it. How do I prove it without the corrected receipt?????
Product: Money transfer, virtual currency, or money service

In the middle XX/XX/2021 I tried to transfer money from my credit karma account to my credit union they said I needed to verify my account by sending in identification & bank statements I did 2weeks later XXXX XXXXI 'm waiting on response calling emails no response I contacted XXXX XXXX XXXX credit karma email me saying there closing my account & sending funds to my account XX/XX/XXXX 8 business days later I call back they say they sent it to account that was closed so now within 8 more business days I should receive a check XX/XX/XXXX I have received no more information or emails when I call I get same answer
Product: Checking or savings account

I received my paycheck/bonus on XX/XX/23 into my XXXX Checking account, and proceeded to transfer my bonus payment to my Ally Savings account. When I went to transfer {$6000.00} from my checking account to my savings account, Ally Banking App sent me an " error '' message and told me that my transaction could not be complete after I submitted it. I just chalked this up to being in an airport at the time, so I figured I would try the next day. 

On XX/XX/23, I proceeded to submit a deposit for {$5000.00} from my XXXX Checking Account to my Ally savings account, and this time my request was processed, and was given a message stating that my request was successful. I did not think anything of it until I received an email yesterday morning showing that my transfer I originally put in on XX/XX/23 actually processed even though it gave me an error message initially. At this point today XX/XX/23, I was not able to cancel my request that I put in on XX/XX/23 ( due to error on my first attempt ), so this in turn massively over drafted my checking account. 

I tried this morning XX/XX/23 to transfer back my {$5000.00}, and again, I received the same error message from Ally bank. I contacted their customer service line, and they said that this is a known issue, and that their IT department is working on it. When I asked for a timeline on when this will be fixed, they were not able to give me anything. These error messages that Ally Bank are responsible for are making this situation incredibly financially stressful for me, and with bills being take out of my checking account automatically, and with no timeframe given by Ally on when I will be receiving my money back, I am stuck paying for my expenses without any money in my checking. 

Additionally, I am not going to be charged an overdraft fee from XXXX that is clearly no fault of my own. I really hope that you all can help as I pride myself on being financially independent, but this issue could potentially affect my financial responsibilities for months to come. Thank you all for your help - I appreciate it immensely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX technology approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank accounXXXX XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the Equifax data breach, which resulted in my personal information being exposed and used for identity theft. Under 15 U.S.C. 1681c-2 ( a ), I understand I have the right to request that fraudulent information be blocked from my credit report. However, I have faced delays and inadequate support from Equifax in resolving this issue. I urge the CFPB to investigate Equifax, XXXX and XXXX handling of this breach, ensure compliance with the Fair Credit Reporting Act, and help protect affected consumers like myself.
Product: Credit reporting

At the beginning I thought this was fraud and I was suspecting that people were used my credit card for purchasing airline tickets, and I have reported, I learned that I was charged more XXXX time by XXXX XXXX when I purchased an airline tickets, secondly, I also learned that both credit cards that I had were also charged for the same airlines tickets, thirdly, some of purchase were not even authorized by me, and XXXX XXXX charged me many times, and some of the charges they even make sense because it would show that I purchase XXXX tickets for traveling to different places using someone 's name. I was not aware of this, until XXXX when I received a letter from XXXX XXXX insurance company stating that I had an insurance refund that I needed to claim for XXXX and XXXX. I have enclosed a letter and other papers showing all charges that where done by XXXX XXXX. I could n't attach all documents and I will be able to send my mail. 
Thank you for helping.
Product: Credit card or prepaid card

I have made 4 phone calls with promises to be called back from a supervisor on 2 of them with no returned call as advised. They are unable to redeem rewards points in the form of a physical visa gift card as advertised and done previously. They have no ETA for resolution and it has been 3 weeks now since this issue began with my US Bank credit card. They have no explanation and have zero ways to redeem and issue points in the form of a visa gift card as advertised.