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

Barclay Card US Uber VISA Card changed their rewards program completely without informing customers. When I originally signed up for this credit card, they offered a percent back on " Dining & Entertainment '' and because of that I immediately began using the credit card for all of my dining. I have spent many thousands of dollars in the last year and a half of owning the card, but in XXXX of 2020 they changed the rewards program from allowing me to choose how the rewards are applied, to forcing me to create an Uber account and apply the rewards to that account. The problem is that I don't have an Uber account, and do not want to open an account. When I originally opened the credit card, this aspect of the card was not required to take part in the benefits program, and I was never informed that it may change. I was never informed that it DID change either. But now I find in the last week when I went online to redeem my rewards I can no longer do so because I don't have an Uber account. This entire time I've been using the credit card with the intention of using the rewards program in the exact same way they told me I would be able to use it when I signed up. I understand that some of the finer details may change, but now they've completed the bait and switch technique and are refusing to allow me to redeem the rewards that they promised me when I signed up for the credit card.
Product: Credit card

This account was opened without my knowledge and has been charged off with my knowledge as well.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
Product: Student loan

I have been using mohela to pay my student loans. I was on the graduated repayment plan ( which meant that my monthly payment increases every two years ) and I wanted to change it to the standard plan, so that I consistently pay the same amount and not have too much interest build up on my principal. I submitted the request on XXXXXX/XX/year> and was told it would take 90 business days. I called each month to see if there was any update, and every time I called I was told that it was still in the open status which meant no one looked at it. Even after the 90 days there was still no progress so I got it escalated further and was told it would take 5-7 business days. After the 7 business days there is still no progress. Now I was told it would be escalated further and it would take 7-10 business days. It has been 5 and half months since Ive made this request and its causing my interest to increase. I couldve saved thousands of dollars if I was switched to the standard payment plan much sooner. They have been incompetent, and unreliable regarding this issue.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I applied for a Wells Fargo Secured Credit Card under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable account balance on the card, Wells Fargo may return to me the security deposit in full that I paid as collateral on the card. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the security deposit I paid to open the account. Wells Fargo denied my request based on their review that my account is not eligible to receive the security deposit refund yet. I disputed their decision based on my positive transaction history over the past 12 months including 2 PAYMENTS OF THE FULL BALANCE ( {$1000.00} ) in XX/XX/XXXX and XX/XX/XXXX. I also had made numerous full balance payments on this card within those 12 months in addition to being late ( less than 10 days past due ) ONLY 3 times. I really need my security deposit as I am struggling to find stable employment and the security deposit of {$1000.00} will help me pay off the current balance on the card.
Product: Debt collection

Someone had me legally dead I dont know how long but Social Security help me get my life back they also sent me a letter once I was reinstated back to life I had so much stuff on my report eventually those was removed but this company that i been fighting for years think I am the original owner I never opened this account I need help to get this off my report and once you talk to them they are very rude and threatening I am already on XXXXXXXX XXXXXXXX XXXX XXXX is just to bad to deal with them and the XXXX they also treat you bad and talk down to you I even wrote them letters they still saying its my account I stop calling the company because all they do is sell your information to somebody else and then it starts all over again phone calls Thank you I also file a complaint with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XX/XX/2020 And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

My account been permanently restricted for over 6 months with the Current Statement Balance : {$14000.00}
Product: Mortgage

I have been hit with a mortgages increase from XXXX to XXXX. This was due to a mistake on my taxes. They have my taxes at XXXX and my taxes are only XXXX according to the county of XXXX tax assessor. I have called numerous times because this huge swing can cause me to lose my house and no resolve. They have moved so slow that I am almost at the 30day late mark. I make my payments on time and think this is unfair. They should be able to read tax bills better since this is what they do.I sent the correct tax bill in over a month ago before the new payment would be due and still nothing
Product: Credit card or prepaid card

I contacted Synchrony Bank on XX/XX/ regarding fraudulent charges that they allowed to go through on my credit card that maxed out the credit card. After identifying the charges with their representative I was told that it could take up to 60 days for the fraud claim to be fully resolved but they would be issuing a temporary credit within 48 hours for the amount of the fraudulent transactions so I would be able to use my card again. 

On XX/XX/, I noticed that the provisional credits had not yet been applied to my account and I was still unable to utilize my credit card. I called Synchrony bank again to inquire about the status of the provisional credit. At first the representative told me that it would take 60 days and that there was no way to provide a temporary credit. After informing her of my previous conversation, she admitted that she could do it but it would take an additional 48 hours to process. 
As part of this credit card, I received a promotional discount on all gas purchases made during a specified time after opening my account. Due to Synchrony bank not following their own procedures and not processing a provisional credit for fraudulent transactions as they promised they would, I have had part of that promotional period taken away at no fault of my own. Due to this, I will have to pay additional money that I would not otherwise have had to pay because of Synchronys negligence in blocking fraudulent transactions.
Product: Debt collection

XX/XX/22 received voice mail from woman, XXXX, claiming to be from ASG. she states no 1099-C tax form has been filed yet. she says i can make online payment with 10 % discount at XXXX  and she doesn't give me an amount owed or who ASG is collecting for. 

i XXXX  it and this is apparetly a known scam? per websites i read that the site is not secure and they can get your info that way. 

phone number she called from : XXXX when i call the number back i can't get to a person. an automated voice askes if i am XXXX ( I am not ). states that i should then leave my name and number on their recording and they will remove my number from their call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

Ace pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my credit on XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

Newrez LLC conducted an escrow analysis on my mortgage on XXXX with incorrect insurance premium amount resulting in a payment increase. Contacted on XXXX XXXX provided correct insurance premium XXXX requested updated escrow analysis. Called numerous times thereafter XXXX correct discrepancy, still not completed, refuses XXXX states that I have to pay the higher payment amount that I am unable XXXX  afford.
Product: Debt collection

I am writing to dispute a collection account appearing on my credit report. According to my records, there is a collection account listed under the name XXXX  with the following details : Account Number : XXXX Account Type : XXXX  - Charge Card Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XXXX am disputing this account based on my rights under USC 15, which outlines the responsibilities of debt collectors and the rights of consumers. I am requesting that this account be investigated and, if found inaccurate or unverifiable, be removed from my credit report.Please note the following discrepancies and reasons for my dispute : The account balance is listed as {$0.00}, yet it is marked as a charge-off. There seems to be a contradiction in the reporting, and I request clarification on this matter.The last reported date is XX/XX/XXXX, indicating recent activity on the account. However, the date last active is listed as XX/XX/XXXX. This inconsistency requires further investigation.There is no record of any late payments in the two-year payment history provided, which contradicts the charge-off status of the account.I request that you conduct a thorough investigation into the accuracy and validity of this account. If you can not provide sufficient evidence to verify the debt within the required timeframe, I demand that it be promptly removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as mandated by the Fair Credit Reporting Act ( FCRA ) .Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

New address has been added to my credit report, i do not recognize this address. I received an alert about this situation. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Product: Credit reporting

I disputed an item TransUnion. Their results claim that the account was verified as correct. 
The account is with XXXX XXXX XXXX XXXX. $ XXXX XXXX bal. XXXX current balance {$630.00} payments $ XXXX monthThis does not make any sense if the original balance and the current balance are the same after 3 1/2 years. This is not my account and needs to be removed from my credit.
Product: Mortgage

On XX/XX/2022, I refinanced my home from LoanCare LLC to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was inquiring from LoanCare LLC to find out if I was suppose to receive a refund from my Escrow Account. It has been more than 4 weeks since I sent the letter requesting that information and to date, I have not received a response. Also, I did not receive any documents stating that the loan was Paid in Full. If there was a refund sent and somehow I don't remember it, which I doubt, I would like evidence of that action. Thank you.
Product: Student loan

I have a co-signer in my loans, my father, who has never co tributes to my loans repayments and had been unemployed for the last 2 years. Hes nearly XXXX. Im married with no children. My husband and I have a home together at a fixed rate of 4.2 % interest and a mortgage of {$2200.00} a month. Our combined income is {$160000.00} - {$170000.00} a year depending on over time my husband is eligible for. I have one other payment I make on a car for {$280.00} a month.  However Navjent wont release my co-signer because of my debt to income ratio. My greatest and only debts are my loans! This is propsterous and they wont tell me what income I would need to qualify for realsing my co-signer. Whats more, I cant refinance and consolidate until hes released. Ive tried several time with other browsers and internally with navient and thats the repsonse I get. One of my loans for has an interest rate of 13.25 %! I believe they are willing my and jnkwly denying my request to prevent me from qualifying for refinancing options with no reasons for denyin. My request for advising me on the qualifications I would need to get it approved. Every time I apply they pull my credit so I cant just keep trying - tried in XXXX and XXXX with no change in response or favorable behavior.
Product: Credit reporting

i disputed information on my credit report i sent a letter to experian requesting that the debt on my report from XXXX acct # XXXX be valadated, XXXX acct # XXXX, XXXX acct # XXXX, and XXXX acct # XXXX, according toFCRA the credit breau must provide phyisical proof that these accounts are mine and they have not but refuse to delete these items from my file, I also disputed inquiries on my report that were not mine and they could not verify and thet refuse to do there job under FCRA and delete
Product: Checking or savings account

On XX/XX/XXXX I reached out to the XXXX XXXX XXXX and Bank of America charging me for Maintenance fees in the market {$10.00} when I had Have a substantial amount of money to code the maintenance fee call Bank of America rules I had {$500.00} deposited into my account that month and my bank fee should have been waved The bank account that I have has no fees as well as to my understanding and Bank of America refuses to refund the {$9.00} taken out of my account on XX/XX/XXXX XXXX I will see that response from Bank of America pause XXXX XXXX is planning that they need a more time and as of XX/XX/XXXX I have not yet heard anything or have had any resolution to this issue
Product: Credit reporting or other personal consumer reports

My social security number is XXXX On experian credit report and XXXX Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items from my report
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnesXXXX

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Every single week US Bank puts a freeze on my account. I receive {$300.00} each week for unemployment. The money is withdrawn onto my XXXX every week and yet some how they decide that there is fraudulent activity on my account and instead of contacting me to inquire about this they just put a block on my account without me knowing about it until I go to use my card the day I get paid!! Therefore Often times they make me wait two or three more days while they " verify '' my identity. I have incurred so many late fees from my Landlord which are {$100.00} each month and my credit Score has dramatically decreased in the last 6 months because my bills are frequently late due to the fact that financially things are very restricted and payment due dates are often within a day or two of when I get paid and I am not allowed access to " my '' money. In my opinion NO ONE SHOULD HAVE THE RIGHT TO WITHHOLD MONEY THAT IS RIGHTFULLY MINE AND IN THE PROCESS CAUSE MY FAMILY TO GO WITHOUT BASIC ESSENTIALS! THIS IS CRIMINAL. TO THIS DAY I HAVE NOT ONCE HAD ANY FRAUDULENT ACTIVITY ON MY ACCOUNT. DOES THIS MAKE SENSE TO ANYONE?? THIS IS THE TYPE OF XXXX THAT CAUSES A PERSON TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-Union was provided with incontrovertible evidence that information on my credit report is false and incorrect however Trans-Union will not take seriously my Dispute and continues to Misrepresent Facts and Information that they know or should know is Wrong, Incorrect and False.
Product: Checking or savings account

A check from my Wells fargo account was stolen from the US mail, was " washed '' and fraudulently changed the amount and recipient- Wells fargo cashed an obviously fraudulent check for {$8500.00} on XX/XX/year>. I reported it on XX/XX/year> but they have refused to reimburse me despite admitting to me the check was obviously forged.
Product: Checking or savings account

This account has had over XXXX taken in overdraft fees monthly after I asked numerous times for support to prevent from closing my account every 2 weeks its overdrawn for XXXX or more dollars taking my entire direct deposit the bank said i cant close the account unless there is a XXXX balance as soon as it becomes a XXXX balance and I call there are new pending postings to this account
Product: Bank account or service

I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.