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

I attempted to purchase a gift card from giftcards.com and was denied. I thought I listed my card info incorrectly so I tried again. I barely hit the purchase button when I received an email it was denied. I called the company and spoke with a supervisor who stated he could not tell me why it was denied. I had enough money in my account but called the bank, just to make sure something else did n't cause the decline.
In checking online, many people have had the same issue and the company will not explain why you are be declined.
It is unfair that a company can randomly decline you and give you absolutely no information as to why. When you get denied for other things, the business must explain why - this company should also.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX 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 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 in months that are reported late 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 XXXX, XXXX XXXX, XXXX XXXXXXXX FNCL 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.
Product: Mortgage

My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home. 
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value. 
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}. 
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results. 
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.
Product: Debt collection

I have received repeated calls from different numbers, all with the name " Halsted ''. Nobody ever speaks, and when I call them back, I get an answering machine that blares music. 

DATE | TIME | CALLED FROM XXXX/XXXX/2016 | XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransWorld Systems, I am writing to formally request that TransWorld Systems cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as outlined under 15 U.S.C. 6802.

As a consumer, I am well aware of my rights to privacy and the protection of my personal information under federal law. According to the provisions outlined in 15 U.S.C. 6802, financial institutions are required to adhere to strict guidelines regarding the disclosure of nonpublic personal information to third parties. 

Upon review of my records, I have become aware that TransWorld Systems has been sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies without my explicit consent. This action is in direct violation of the regulations set forth in 15 U.S.C. 6802 and is unacceptable. 

I hereby demand that TransWorld Systems immediately cease and desist from any further sharing or disclosure of my nonpublic personal information to non-affiliated third parties and consumer reporting agencies. Furthermore, I request confirmation in writing that such actions have ceased, along with the assurance that my personal information will be handled in accordance with federal law moving forward. 
Failure to comply with this request will leave me no choice but to pursue legal action to ensure the protection of my rights and the safeguarding of my personal information. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of the receipt of this letter. 

Sincerely, XXXX, XXXX
Product: Mortgage

Was the previous text lost? 

I had a completed modification and then approx. 2 months later ( XX/XX/2019 ) numerous changes were made to my ledger without explanation, causing my account to show past due. 

XXXX XXXX+ added to my balance, but then sometimes not on my balance. 

I have done a independent mortgage audit which they ignore. 

I have sent all my payments documentation and it does not get reconciled. They just keep sending me very small print ledger which not even my auditor can make sense of. 

There is what seems to be illegal action even documented on some of the paperwork they sent me. 

I can not get any help.
Product: Bank account or service

In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. 
BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX. XXXX : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX  XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I contacted Absolute Recovery Services in XX/XX/XXXX in regards to a letter that I received concerning an alleged debt that was owed to XXXX XXXX XXXX in the amount of {$1100.00}. I requested a copy of all documents that were submitted as of this alleged debt and I reviewed the information that was inaccurate. They stated that I breached my lease agreement, caused damage to property and I owed rent for XX/XX/XXXX. This is inaccurate and incorrect information and I sent a copy of the XXXX Police Department report to support the alleged damage claims to ARS in XXXX of XXXX along with rental receipt for the last month of rent which was XX/XX/XXXX. However, they stated that they had an obligation to their clients and that the only way that this could be resolved is that I pay the debt. I do not agree with paying debts that I do not owe and I firmly believe that it is unfair. I sent in all the documents to the credit bureau after Absolute Recovery Services stated that they could not and would not remove it from my credit file. They were removed from my credit file but ARS reported it again after I disputed the collection. They have a signed copy of the lease that stated the expiration date of XX/XX/XXXX, the have a copy of the police report that states the damage was vandalism, and the rent receipt for the last month of rent. The ledger and the move out statement was also enclosed as their proof but it is not a legally binding contract and by law can not serve as one by law. They violated the FCRA by reporting inaccurate and incorrect information to my XXXX, XXXX  and XXXX  credit report not once but twice XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} XXXX XXXX {$1700.00} CREDIT COLLECTION SERV {$1000.00}
Product: Debt collection

On XXXX the XXXX at XXXX XXXX XXXX had an appointment at PNC bank to try to refinance his house at XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX They told him ( us ) we had to pay {$31.00} for them to run a credit check on Mr XXXX ... We paid {$31.00} for the credit check, ,After being on the phone with XXXX XXXX of PNC loan officer.. He told Mr XXXX XXXX he had to pay {$500.00} for an appraiser to come out and appraise the property ..All we want to know if that is right or is it by law ... Mr XXXX do not have the money to pay that {$500.00} ... XXXX XXXX mortgage loan officer said to the daughter let your daddy borrow the money from you, or get it from your stimulus check ... .And I told him I have not got mine yet he said it is coming ... .... All we want to know is all of this legal and right
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter to Equifax requesting a debt validation of XXXX debt owed to XXXX XXXX. I also requested a debt validation from XXXX XXXX, as of date XX/XX/2021, I have not received any response from Equifax or XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX while at work I received a notification from chase that {$2500.00} had been moved from the savings account to the checking account and withdrawn via check. Within a few minutes I called chase to open a claim and make an appointment to meet a representative and change my security credentials. I was told my debit card was used as the only proof for the withdrawal this debit card was a replacement sent by mail that I never received. A few days later I went to chase to change my pin and close my savings account and have a new one. My first claim was denied due to lack of documents, s I reopened it and provided a police report as well as a sworn notarized affidavit. I thought after this my money would be refunded but it was denied on the grounds that the chase where the withdrawal happened was in my geological location, which did not make sense since this chase was a small booth in a supermarket 2 hours upstate. I later visited this chase to try to get access to their security footage but was not able to. I have tried to appeal the claim multiple times but after faxing the documents to chase I am told they did not receive them time and time and I feel they simply do not want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it is there. I regularly check my credit report, but today, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. This situation is extremely frustrating, and I need this matter resolved immediately. I am requesting a thorough review of the documents I submitted so that I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Transunion is infuriating, I've been trying to lift a protected freeze on my credit for 5 years. I've sent certified mail twice and they refuse to give me access to my account or verify my identity. I can not apply for a credit card or apartment with frozen credit, and TransUnion adamantly refuses to verify my identity, unfreeze my credit, or provide me with any options. This is extremely frustrating and I don't know what I'm supposed to do, this company is ruining my life.
Product: Debt collection

I had to go to an emergency medical care on XX/XX/XXXX and my insurance benefit was {$100.00} deductible in case of emergency. I have all of my documents showing that my insurance paid all of the payments ; they took some extra time for the payment as I claimed lately. 

Recently, " PARAMOUNT RECOVERY SYSTEMS '', a debt collector called me regarding one of the unpaid payments and I told them my insurance has already taken care of them. They charged a derogatory point on my credit score for an unpaid payment of {$1100.00}. I have contacted them via email/ phone and sent the 'Explanation of Benefits ' for that claim via email ( XXXX ) as well as postal mail ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) ; tracking information ( XXXX XXXX XXXX XXXX % XXXX ). 

Initially, they claimed that they didn't get my email, however on XX/XX/XXXX they assured the recipient of the email containing my EOB. Afterward, I emailed and called several times to their associates ( whom I talked to before XXXX and XXXX ), they didn't respond and solve the issue. 

Therefore, I would like to formally place a complaint against them as they do not solve the issue whereas the payment has already been paid on XX/XX/XXXX. For reference, I am attaching the corresponding EOB and the email communication with the debt collector.
Product: Credit card

In XXXX this account has been Charged off, a balance still show on my credit report that I owe this alleged debt. By law this debt balance should be XXXX because this account is charged off. 
The Bank charged off the account and never report it to IRS, it is Illegal to charge off an account and do not send me my 1099C.

I would like to receive my 1099C Cancelation of debt, if the bank can not provide this Cancelation form 1099C within 15 days, the charged off need to be remove from my consumer report.
Product: Checking or savings account

I called in because I was trying to find out why things werent clearing my account and my XXXX payment was still pending when it normally would go right through as long as the funds were there. Plus there were other payments pending that should have gone straight through as long as the funds were there. I spoke with supervisor XXXX which would not listen and chose to hang up instead of checking into things further. She gave information that wasnt true.
Product: Debt collection

I went to XXXX XXXX XXXX in XX/XX/2020. I received a bill from Frost-Arnett that I thought was to pay off my hospital stay. I have been paying them thinking that it was going towards the hospital. However, when I pulled my Annual Credit Report, there was no mention of such debt from the hospital or Frost-Arnett XXXX
Product: Vehicle loan or lease

Hello, Too long didn't read version : Citizens bank turned off my auto pay on a car loan without telling me- charged interest while my payment didn't process and would've charged a late fee if I hadn't noticed the payment didn't process. 

I had a five year loan with citizens bank for a car purchased in XXXX the loan was expected to be completely paid off on XX/XX/2020. When initially setting up payments for the loan I was given the option to turn on auto pay. I had turned on auto pay and everything was working fine for 4 years and 11 months ( one payment left to go ). Usually my payment goes through around the XXXX of the month- for whatever reason the payment didn't hit. Hmm weird, I'll give it a few days. I waited three days and then tried to log into my account with my loan details I saw that I didn't have an account ... weird again as I had turned on auto pay 5ish years ago using an online system. I gave them a call and they confirmed that there was no online account for me. However, they were also perplexed about how I was able to pay for the past 4 years and 11 months. After a few hours on the phone I finally got someone to admit that they had deleted my account ( not my loan ). There was no rhyme or reason to the deletion and I was not notified of it being deleted- they had my email address/ physical address on file and did not contact me. 
Furthermore when asking about my final payment I had been charged interest because the auto pay didn't hit. ( I was charged interest for those 6 or so days between the XXXX and the XXXX - when I finally was able to hear that I needed to set up a new account and pay ). Luckily I was also able to catch this in time - I noticed my payment didn't process, if I wasn't able to catch this I was informed that I would've been charged a late fee / my credit would have been dinged. I was given no apology - it was one of the slimiest conversations I've ever had with a bank.
Product: Credit reporting

Inquiries were removed from my account and re-added without proper notice.