23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Elan Financial Services, the provider for my business XXXX through XXXXXXXX XXXX XXXXas unjustly charged me {$70.00} in interest on XX/XX/XXXX. This XXXX XXXX on Purchases fee is dated/posted XX/XX/XXXX, yet it did not appear on my XXXX bill which last transaction was posted XX/XX/XXXX. They slipped in this unjustified charge without me seeing it. I discovered it over last weekend when I happened to log in online to look at recent charges. Elan is determined to get some interest from me since for the past 2 years 10 months I have had this business Visa through them, I have always paid my balance off each month in full. Never has there been yet even {$1.00} balance left unpaid. 
I called Elan on this wrong interest charge yesterday. XXXX XXXX XXXX said it was for XXXX days late on the XXXX bill payment that was due XXXX XXXX. Let me explain that this was still unjustified. First, let me note the fact, as my previous statements revealed, that they did the same thing to me in XX/XX/XXXX with an unjustified Interest charge of {$70.00}, when my payment was not late. They were hoping that charged wrongfully slipped in that I would not catch. But I did catch it and I called then about that interest charge, and the XXXX waived it and credited back to me. If it was a justified charge, they would not have credited back to me. Now 13 months forward, they did the same thing but this time they did not waive it. Why is it unjustified? CSRs claim was it was based on the payment be late 3 days. But she admitted it was received on Mon. XXXX XXXX. So XXXX XXXX should not be counted as a day. Second, the day before is a Sunday, and XXXX is closed on Sunday. Sunday should not be counted either, for this is penalizing customers for the business being closed on Sunday! Thirdly, the fact is, I mailed this bill by XXXX on Monday XXXX XXXX. And it should have arrived by XXXX. It is clear that XXXX is trying to get some unjustified interest money from me. Lastly, the balance of this XXXX bill due XXXX XXXX was {$1600.00}. It plain wrong to charge {$70.00} of interest for a bill the could have been 2 days late ( but XXXX not even have been late and this could be a sheer corruption charge. And this corruption needs to be reported to the CFPB. 
After this gets settled, I will be securing credit with another financial institution and canceling this account with XXXX.
Product: Mortgage

This is concerning the recent ruling on Wells Fargo Loan Modification XXXX ( XXXX ) ; I didn't receive any notification involving a lawsuit regarding loan modification approvals that weren't processed instead foreclosure steps were taking place. In XX/XX/XXXX, I spoke with home preservationist XXXX XXXX stated after provide all the information over the phone stated that I would qualify for the loan modification. She stated she was going to send a package for me to complete with supporting documentation. While waiting for the package to me sent I received Notice of Default and Intent of Foreclosure from American Servicing Company via certified ltr notarized. After receiving the certified letter, I received a package in the mail that had documents to complete to start the modification process. On XX/XX/XXXX, received letter in the mail stating my documents have been received and were being reviewed. In XX/XX/XXXX, received letter of assignment of home preservationist specialist to assist me in my process. Then mid XX/XX/XXXX, ASC affiliate of Wells Fargo Bank had sent certified letter concerning acceleration and foreclosure right to cure. After receiving that notification called to check the status of my modification customer service of ASC stating that no notes concerning modification. Since ASC aka Wells Fargo wouldn't acknowledge the communication about the loan modification I proceed with filing a complaint with West Virginia Attorney General Office against Wells Fargo to prevent the foreclosure. An individual work with my state attorney generals office Consumer Protection & Antitrust Division worked with me to stop Wells Fargo from foreclosing. Wells Fargo. I think that I should have been notified about the class action lawsuit with Wells Fargo because they made the error and my state attorney generals office requested that they correct the foreclosure. Wells Fargo process the correction as a modification but only to there advantage didn't assist me with my hardship only reinstated my loan to satisfy the attorney generals office. After the investigation was completed Wells Fargo sold my mortgage to XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

A representative from Allied Interstate contacted someone related to me but not associated my account in any way on XX/XX/18. This company had been told twice previously not to contact that person but the representative did anyways. They also left detailed information regarding my account and the debt on a voicemail. I am reaching out to Allied Interstate to reach a resolution. I just wanted to make a formal complaint since this representative acknowledged on the voicemail that there were notations not to contact that third party number but he choose to do so anyways.
Product: Debt collection

An account was created with my information that is fraudulent and in result lead to collections. What I was able to gather from the collections agency is that this account is for XXXX XXXX and was created XX/XX/. The email address, home address, phone number that was associated with XXXX XXXX is fraud and never owned by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Speedy Cash and XXXX XXXX THEY both used XXXX. Speedy cash, I found out today that I don't have an account with, told me I owe XXXX with them. And if I don't pay they were going to have my account sent to court and there would be an warrant out for my arrest. They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department tomorrow at XXXX XXXX  as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$2400.00} You can apply for an Offer In Compromise ( OIC ) And May Choose Payment Arrangement Options Mention Below : i ) You can clear this debt by paying {$1500.00} TODAY Deducing Daily Interest as ( OIC ) Offer in Compromise ii ) You can submit the Settlement Balance of {$2400.00} in payments ( {$610.00} x 4 installments starting from TODAY, to hold the WARRANT ) They also said it was going to lessen my credit by almost XXXX points. I think XXXX to be exact. I have resolved these issues by myself. I did send {$300.00} to Speedy cash a few days ago to hold the case and plus I was scared. But when XXXX XXXX  emailed me from there XXXX thtas when he didn't address my name or anything he kept saying me is my name or my email. Which is not my name.
Product: Mortgage

I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application.
Product: Credit card or prepaid card

On XX/XX/2022 I looked at my account online to purchase a few items. When I try to purchase the items on my credit card I Could Not. So I called Comenity Bank who served XXXX 's account, I was told account was close But I have a {$100.00} available credit line and also my last XXXX digits on my account is not the same. 
The bank change their cards lately and I never recevice the new card. The bank say they were going to mail it But never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXXv XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because of equifax non compliance procedure in regards to a inaccurate account XXXX XXXX XXXX Mortgage they continue to report and dont fix. I am beyond exhausted on trying to challenge this item and they not comply making it unfair to me and my future credit opportunities because of their inaccurate reporting. XX/XX/XXXX I challenged this item with equifax because they were reporting this account as a foreclosure but they reported this account still open. they reported the date of last payment XX/XX/XXXX but the account was reporting open. they reported a {$0.00} past due and balance but still open and showing as derogatory. XXXX XXXX reporting guidelines states that a redeemed foreclosure must be reported as paid. fast foward to XX/XX/XXXX XXXX I got a updated credit report on my credit monitoring because I can't rely on them sending me any updates regarding my challenge letter. absolutely nothing changed but the reported date that changed XX/XX/XXXX. to my understanding the reported date field indicates that's when the furnisher has verified all reporting information as accurate. if that is so then why are the same exact errors continuing to report? this account is not open. once foreclosed the account must be considered closed. if the furnisher was able to verify all reporting information as accurate then why is their reporting fields missing causing the account to not only be inaccurate but also incomplete. to my understanding when the credit reporting agencies prepare a consumers report they must follow procedures be sure that every reporting field is of maximum accuracy. these blatant errors are proof equifax is in non compliance and its not fair for me to be getting denied credit because of these errors. their improper procedures are causing my credit score and report actual damages and defaming my character and credit worthiness. I have given them a chance to fix these errors and they do not comply nor respond as they are required to do. attached find proof of their updated inaccurate reporting from my XX/XX/XXXX report. im not even going to begin how many inconsistencies I see between XXXX and equifax so ill let you be the judge when you view my report.
Product: Credit card or prepaid card

I booked 2 airline tickets on XXXX, paid in full at the time of the purchase. They showed up on my XXXX XXXX Visa credit card statement as XXXX separate transactions, both under the name " XXXX '' ( this is the name of the airline carrier ). Both are dated XX/XX/2018 for {$720.00} each. 

I specifically increased the credit limit on my card and purchased through XXXX because of the rewards offer. Without the rewards, I would have gone through a different vendor and credit card. Using the XXXX XX/XX/XXXX visa cost me trip protection that would otherwise have been provided by a different credit card company and resulted in a higher dollar total for the transaction. 

Barclay 's XXXX XXXX Visa reward rules state : Earning Points - You earn points for purchases less credits, returns and adjustments ( Net Purchases ) made by you and/or any authorized user of the Account as follows : You earn 5 points for every {$1.00} spent on eligible Net Purchases made at XXXX. Eligible purchases include : cruises ( as defined by the merchant category code ), Name Your Own Price, Express Deals and Pay Now bookings, as well as purchases of Trip Protection products, made on XXXX. A Pay Now booking is any booking that requires payment at the time of booking. For more information on Name Your Own Price, Express Deals, and Trip Protection, please see XXXX. ( see https : //www.barclaycardus.comXX/XX/rewardsHub?earningRewards= ) My purchase met all of the requirements outlined by Barclay 's to be a qualifying purchase. I should get 5 points per dollar for these charges. However, Barclays has only provided me with 1 point per dollar. The missing points are worth over {$57.00}. 

Barclay 's claims that the transaction is not a qualifying purchase, however it clearly is. XXXX had mentioned something about the " merchant of record ''. My receipt is from XXXX, so they should be considered the merchant of record. XXXX 's version of the rules would be misleading at best, since there is no apparent difference between purchasing hotel reservations ( which qualify for rewards ) and airline tickets ( which at the moment appear not to ). In any case, when I contacted XXXX about the situation, they denied any responsibility, claiming that my agreement is with Barclay 's and not with XXXX ( I would tend to agree ). 

Barclay 's, please give me the reward points I am due, or else the cash value.
Product: Debt collection

i rented a bike that the robber stole it and i reported to the police in XXXX XXXX. I did but there not going to anything but they blame me that i stole it. In LA its legally to steal less {$890.00} the officials wont do anything but bike company wants to charge me money like i stole it even camera evidence, i feel my threated. What can i do just not have a message of this company ever again.
Product: Credit card or prepaid card

For a purchase in  XXXX  the transaction was transmitted incorrectly in  USD  instead of   XXXX  . The transaction was fo r 6 s odas at   XXXX   XXXX   XXXX   at   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . The transaction was made on  X/X/17   . I called  EDWARD JONES MASTERCARD CARDMEMBER SERVICE  at  XXXX  on   XXXX   after noticing the mistake on my credit card app. I made this call from the lobby of   XXXX   XXXX   XXXX   XXXX   while talking with  XXXX  from  Cardmember Service i n the presence of  one  of their representatives,  XXXX . She informed us that all credit card transactions in the hotel were done in pesos. The total amount of this transaction was  XXXX  pesos. ( about {$20.00}  USD ).  My   XXXX   XXXX     statement shows the transaction as  XXXX  USD. On   XXXX   XXXX   I received a credit for {$470.00} on my   XXXX   XXXX      E.J.    MasterCard statement.I lat er received a form from  Cardmember Service abo ut the dispute, filled it out and returned it with a copy of my receipt. In a letter dated  X/XX/17    from  XXXX  at  Cardmember Service it sta ted that there was insufficient information to support my claim of an incorrect amount and they would be reversing the provisional credit dated  X/XX/17   . I called  Cardm  ember Service   X/XX/17    and talked to  XXXX  and she could not help me. She had  XXXX  call me the next day and she told me that the copy of my receipt was illegible, that I had written on it, and that voided my dispute. I believe as  XXXX  had originally told me that this transaction was transmitted incorrectly by the credit card company not the merchant. I faxed a dispute letter concerning this dispute case #  XXXX  on  X/XX/17   .
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three  update letters to all three credit bureaus, which are XXXX  XXXX  and Equifax. I've sent them many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Product: Credit reporting or other personal consumer reports

Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my Trans Union and one of my XXXX.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE PERSONAL INFORMATION REPORTING IN MY CONSUMER REPORT.

EQUIFAX:
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX:
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied, and received the Citi Premier card under a promotional offer of XXXX Thank you points after spending {$4000.00} on the card in 4 months.

After about 2 months after being approved for this card - I met this spending requirement, and waited several months for the bonus to post. After not receiving the bonus, I contacted customer support, and was told that I would not receive this bonus, as I had previously had a version of this card within the past 24 months.

Their terms and conditions state : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. '' After checking my records : I ( 1 ) Have not opened or closed a citi thank you credit card within the previous 24 months prior to meeting the promotional offer, and ( 2 ) Met the spending requirement per the terms and conditions - within the stated time frame of the promotional offer.

As such, I am entitled to receive the card member bonus that I was promised upon applying for the card. I would not have applied for this card in the absence of this bonus.
Product: Debt collection

XXXX XXXX XXXX billed unreasonably for my annual XXXX   preventive care check-up in 2015, which should be 100 % covered by my insurance. They even sent this to a collection agency, Credit Consulting Services , Inc . 

I have been working with a 3rd party investigator, XXXX XXXX XXXX ( prior XXXX XXXX XXXX XXXX ) to resolve this on behalf of me with the XXXX XXXX XXXX and Collection Agency. Neither the XXXX XXXX XXXX nor Credit Consulting Services , Inc. collection agency provided a reasonable answer and still demand me to pay a bill that I didn't owe. 

It's been more than 3 years and it still hasn't been resolved. It has affected my credit score tremendously, drop 60 points. -very frustrated consumer
Product: Debt collection

I was recently a victim of identity theft and have reached out to all three credit bureau about aunothrized fraudulent collections appearing under my name. XXXX and XXXX are working with me and have deleted these accounts, however Experian supposedly investigated these collections and have not provided me with any documents from the investigation. The results from my Experian Dispute was " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for there reporting services could fax, mail or email in a fraudulent account. 

I'm requesting that Experian please help me clear these fraudulent account from my credit report have supporting documents from the investigation sent out to me. 

The fraudulent accounts disputed where XXXX XXXX XXXX. 

Thank you, XXXX XXXX