23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?
Product: Checking or savings account

Discover Bank, on XX/XX/2019, concocted a fictitious charge : OVRSHTCR TELLER CASH OUT CORRECTION - {$40.00} with no basis in reality. When confronted about their fraud, they chose to ignore it.
Product: Debt or credit management

GM FINACIAL RAN MY CREDIT WITHOUT PERMISSION ASKING FOR THIS INQUIRY TO BE REMOVED
Product: Consumer Loan

I have an auto loan with Credit Acceptance Corporation. I advised the company that I am unable to make my payments on the XXXX of each month and needed to change it to later in the month so that I can pay my rent and other bills on time. I was told the due date ca n't be permanently changed but I can request a due date adjustment each month if I need one. 

I have been adjusting my due dates a day before they are due to ensure payment is receive on the adjusted due date. I recently received a call from the company stating that I have 2 months of late fees for the last two payments I was allowed to adjust. I was advised by the company that even though they allow me to adjust my payments to when I can make them I am still responsible for a late fee if the payment is received after the XXXX of the month. I advised the company that my contract states that if my payment is received after the XXXX a late fee will be assessed. However, the contract does n't state that if my payment is adjusted to a later date with the companies permission that I would still be assessed a late fee. I advised the company that the only reason my payments would be made after the XXXX would be because that is how I am paid by my employer. I also told the company if I am given permission by the company to adjust my due date to a later date that may possibly be after the XXXX of the month depending on how I am paid I should not be assessed a late fee. 

The company basically blew me off and said " Just make sure you pay on time ''. The only problem with this is if I was allowed to permanently adjust my due date to later date in the month I would n't have to worry about making my payments late. I would also not have to worry about being charged and harassed about a late fee when I was given permission by the company to adjust my payment to a later date. 

I would like for any late fees to be waived and I would like to permanently adjust my due date to a later date in the month that allows me to pay all of my bills without any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the Equifax data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report & found late payment on the date below : XXXX 2019/30 days late???. I spent countless of hours on the phone with several representatives in regards to this error. I am not sure how this happened, I believe that I had made my payments automatically or when it was due. My only thought is that my monthly statement did not get to me. And also I been charged " cash advance fees '' for the type of transaction I was not aware of doing and your representatives mentioned that my interest rate spike to 27 % because of that. That's ridiculous and I wasn't aware. 

But what threw me off yesterday is that when the call was transferred to the Supervisor XXXX, she kept repeating an account number that doesn't belong to me. I had to tell her several times that she has a wrong account to a point that she confess and apologize that the previous Rep that was reviewing the wrong account with her. How can you guys mix my information with other individuals and especially after the breach you guys just had. This is really troubling me how my files are being held by your company. 

But again, I thought this whole time I had automatic payment and thinking that the statement would be mailed to me ... .It seems like the automatic payments are getting deleted somehow, which is ridiculous.
Product: Mortgage

None of your listed complaint boxes pertains to my issue. You should have an other box! My issue is the following : I am being denied access online to my mortgage account. I have complained about this on many occasionsbut no matter what they tell me to do to fix the problem, it does not work. Their reasons given on each time I have complained are too many to mentioned. It is as if I am being blocked from online access! I need a 2nd copy of my 1098 and even asked their C.S. to email me a copy! They said OK but I never received it. Why I can not access the Web site beats the heck out of me! I have never had this issue with any mortgage companyin the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade  Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Product: Credit card or prepaid card

We previously disputed with Citi Business AAdvantage Platinum Select Mastercard a charge for {$130.00} dated XX/XX/2020. The merchant is XXXX  located in XXXX, XXXX. The charge was done on my XXXX ( my wife ) Citi Business card ending in XXXX. Citi did give us a temporary dispute credit, but upon further review of the case ( Case ID : XXXX XXXX ) decided to reverse the temporary credit. This is incorrect because we did not receive benefit from this transaction. We received no service or merchandize from the merchant. 

Here are the details of what happened : My wife, XXXX XXXX, shopped in person at XXXX in XXXX, XXXX on or about XX/XX/2020. She purchased a childs dress for our granddaughter that cost {$29.00}. XXXX attempted to pay with her Citi Business card ending in XXXX but the merchant said that the charge would not go through. So XXXX had the merchant use XXXX XXXX XXXX card ending in XXXX and this charge successfully processed and is correct. Please see the attached document that shows this transaction with XXXX for {$29.00}. 
The childs dress for {$29.00} is the only item that XXXX purchased while shopping at XXXX. XXXX never returned to this merchant on another date and did not authorize any other charges. 
This merchant then processed a second unauthorized charge for {$200.00} dated XX/XX/2020. This one on the XXXX XXXX XXXX card and is the subject of another CFPB compliant ( Complaint ID : XXXX ) with XXXX. We did not receive any benefit for this transaction and then disputed the transaction with XXXX. 
We are unable to reach the merchant. The merchant is located in XXXX, XXXX and we live in XXXX IL USA so we have no way of contacting them. We have tried by email and have been unsuccessful obtaining a response. 

To summarize, XXXX did not authorize the {$130.00} disputed charge of the Citi Business Platinum Select Mastercard. We  did not receive any merchandise or service for this transaction. As explained earlier, the merchant swiped two credit cards on or about XX/XX/2020. First the Citi Business card ending in XXXX that the merchant said did not work, then XXXX XXXX XXXX ending in XXXX. A charge for {$29.00} was processed on the XXXX card that we do not dispute. The merchant somehow stored the card information to fraudulently charge unauthorized charges of {$200.00} on XX/XX/2020 on the XXXX card ending in XXXX, and also {$130.00} on XX/XX/2020 on the Citi Business Mastercard card ending in XXXX. The merchant is dishonest. 
We have purchased thousands of dollars worth of merchandize and services using the Citi Business Platinum Select Mastercard. We rarely dispute transactions and are disappointed that Citi decided to believe the merchant over us. 
We demand that the merchant be held accountable and that the {$130.00} charge be credited to our Citi Business card account promptly. We do not feel safe anymore using our credit cards in foreign countries since the Banks do not want to stand by and protect us from dishonest merchants. 

We are attaching our communication to Citi and other supporting documents shared with them.
Product: Credit reporting or other personal consumer reports

This company wrote this debt off yet has sold it to collections. 
Here it is. 

XXXX Last reported XX/XX/XXXX {$5500.00} Reported balance Credit limit {$4400.00} You're using 124 % of your account 's limit OVERVIEW Credit limit {$4400.00} Minimum monthly paymenXXXX XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 64 % of payments on time 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 Current XXXX  Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$5500.00} Worst payment status 120+ days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Account closed by XXXX XXXX Account closed by XXXX  XXXX XXXX  XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX
Product: Debt collection

I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reported negative on Experian and XXXX XXXX, XXXX, and XX/XX/2019. My account was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a {$60.00} dollar pair of shoes from Belk & signed up for their credit card to save money. I wore the shoes to work that night but was told that they were not slip resistant and would not work for my job. I returned them to Belk the next day, but they never removed the debt from my credit card. I didnt know about it and never made a payment on it. Eventually, I called and settled my dispute with Belk and they recognized their mistake and quit trying to charge me for a pair of shoes that I returned. However, it is still negatively reported on my credit. The Belk Rewards card was from Synchrony Bank.
Product: Debt collection

I withdrew from XXXX University in late XX/XX/XXXX/early XX/XX/XXXX ( see  attached ) due to misrepresentation on the part of the University regarding cost and attendance at residencies. I submitted the withdrawal form requesting any further contact from them be via my personal email, home address and/or home phone. I never heard from them. 

At the end of XX/XX/XXXX I received a letter from Ability Recovery Services stating they had been retained by XXXX University to collect a debt of {$4500.00} and that I had 30 days to dispute the claim. I sent a letter ( see attached ) return receipt requested ( see attached ) requesting information. I never received a response. At the end of XX/XX/XXXX I sent another letter ( see attached ) also return receipt requested XXXX see attached ) stating since they had not furnished the requested materials to not contact me. On XX/XX/XXXX, I received a 10-day letter from Ability stating they were going to " commence the collection process ''. Additionally, I have received two calls from a XXXX XXXX at Ability, which I have not returned as they did not furnish the documentation requested regarding the debt allegedly owed.
Product: Debt collection

- DEBT COLLECTOR CONTACT WITHOUT PRIOR AUTHORIZATION OR CONSENT AS PER 15 U.S. CODE 1692c - DEBT COLLECTOR COMMUNICATING WITH A CONSUMER REGARDING A DEBT BY POSTCARD. VIOLATION OF 15 U.S. CODE 1692f ( 7 ) - DEBT COLLECTOR USING MISLEADING LANGUAGE TO IMPLY THAT THE DEBT COLLECTOR 'S COMMUNICATION IS FROM AN ATTORNEY OR THAT THE DEBT COLLECTOR IS AN ATTORNEY. VIOLATION OF 15 U.S. CODE 1692e ( 3 ) - DEBT COLLECTOR KNOWINGLY TRANSFERRED, POSSESSED, AND USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON. THIS IS A DIRECT VIOLATION OF 18 U.S. CODE 1028A ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding fraudulent items on my credit report. Despite my repeated attempts to rectify this issue, the fraudulent information continues to adversely impact my credit standing, causing substantial harm to my financial well-being. I first discovered the presence of fraudulent items on my credit report. Since then, I have made several attempts to dispute and remove these inaccuracies through the established dispute resolution process. Regrettably, these efforts have not yielded the desired outcome, and the fraudulent items persist on my credit report. This situation is not only damaging my creditworthiness but also causing significant distress and inconvenience. I am seeking your urgent attention to address the following matters : A comprehensive and thorough investigation into the fraudulent items on my credit report. Immediate removal of the inaccuracies from my credit report to prevent further harm to my financial standing. Confirmation of the resolution and an updated credit report reflecting the accurate and corrected information. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe it is crucial to rectify this matter promptly. Failure to address and remove these fraudulent items may compel me to take legal action to protect my rights and seek appropriate remedies. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote a letter requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again. I give XXXX, XXXX, and Equifax authorization to investigate issues outlined in the letters I submitted. Thanks for your help with this matter.
Product: Credit card

I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.
Product: Credit reporting or other personal consumer reports

Ive disputed this account XXXX XXXX  XXXX XXXX XXXX XXXX numerous of times. But all 3 credit bureaus TransUnion, XXXX XXXX XXXX keeps saying the account is verified or was updated ( noted : Completed investigation of FCRA dispute - consumer disagrees ). Then the bureaus TransUnion, XXXX XXXX XXXX tell me to reach out to the creditor directly, which I have but the creditor XXXX said they could not locate the account. Im in the process of trying to obtain a mortgage loan but this account is hindering my home buying process. Please remove delete the account XXXX XXXX XXXX XXXX XXXX XXXX  from all 3 credit bureaus TransUnion, XXXX XXXX XXXX.
Product: Student loan

In XX/XX/XXXX, I called Navient to find out if I could begin paying {$300.00} a month towards my student loan debt. I was rudely told by a male Navient customer service rep that {$300.00} was not going to be enough and that if I didnt pay the full repayment amount of {$1400.00} starting immediately, Navient would send my loan to a credit collection agency. I was so distraught from his threatening tone, I hung up the phone crying and without resolution. I was so shaken and felt hopeless that my only financial debt in life would/is my biggest failure ( second guessing the worth of my college degrees ) .The following day, I decided I had to try again and call Navient to settle my debt. I called Navient again and reached a very helpful female customer service rep who listened to my predicament and recommended I applied for the income driven repayment ( IDR ) plan even though I told her I had {$300.00} I could pay each month. I applied and was approved for the IDR Plan and, again, paid {$0.00} payments this past year. Im getting ready to call Navient now to go through this same drill again of finding a repayment plan that will take the repayment amount I have to offer. After reading many stories about other debtors like me going through what I have been through, I felt I needed to contact CFPB so I can possibly get help myself and/or prevent others from going through what Im going through right now. Since graduating from XXXX in XXXX, I have not been able to make payments on my student loans. When I offered to pay {$50.00} each month, I was told it wasnt enough and I might as well file for income hardship deferment or forbearance, which I have been doing for the past 20 years. I now have a total outstanding debt to Navient of {$160000.00}. I just wish Navient would have accepted my offer of $ 50 monthly repayment back in XXXX or at least worked with me on a fair payment amount. The interest that has accrued on my student loans is scary. I didnt even go to XXXX XXXX schools.
Product: Debt collection

XX/XX/2019 XX/XX/2019 Several cease and desist letter sent depending that this debt does not belong and to me and if this supposedly belongs to me please provide a signature of validation.
Product: Checking or savings account

I opened a brand new savings account with Citi bank with {$750.00}. My mail was stolen, and before realizing it, there were three fraudulent withdrawals made on XX/XX/2023 and XXXX leaving {$21.00} and change remaining. I became aware of this on the XXXX of the unauthorized transactions and immediately called Citi to report them. I was unaware a PIN would be assigned to me and mailed at the same time ( albeit a separate envelope ). I find this to be a great fault of Citi to do this. Additionally, the option to activate the card at an ATM contributed to the theft of my money. 

On the XXXX, I was in a class for my job. On the XXXX, I was working a standard XXXX hour shift at the XXXXl from XXXX. The paperwork from my job to prove this was mailed, certified mail, and I also attempted to fax the paperwork multiple times only ever getting failed results to two different provided fax numbers. 

I have since received my replacement card, but I can't let go of the fact that Citi 's " investigation '' department has declined all my requests for reimbursement. I even requested a copy of their investigation report and instead only received another letter of their denial to my claim. 

I have made approximately XXXX calls to the fraud department at this point over the past 7 months. During the first open case, I was never asked for any sort of supporting documentation. It was until my first appeal was denied and case was closed that the representative told me I could write a letter and mail ( or fax ) the documentation. I purposely paid for and sent these to XXXX XXXX XXXXXXXX in XXXX XXXX on XX/XX/XXXX and see the paperwork was received on the XXXX. When I called yet again for an update, the representative told me I would need to open another case and could not guarantee the mailed supporting documents would be tied to the new claim. 

Citi has greatly disappointed me in the handling of this matter. Ive even asked to speak to the investigation '' department directly to which I was told it would be impossible to do.
Product: Credit card or prepaid card

There are fraudulent charges on my Amex business Platinum card. The due date is approaching but I have financial hardship to pay off the purchases or charges that were not made by me. I have been a good customer with Amex since 2013. No late payment and always pay off the balance on time.