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

My husband and I have an XXXX XXXX account through Barclays USA. The terms of this account give us " points '' for amounts we spend on the card, which we can apply to pay the account balance, among other things. In XX/XX/XXXX, we had a balance of XXXX points accrued on the account. I called Barclay 's customer service on or about XX/XX/XXXX and asked to redeem the points and use them to pay the then-current account balance- which would have allowed us to conserve cash. The agent I talked to confirmed that I was redeeming the points and that they would be applied to the account balance for the next payment due. However, in XXXX, I noticed that the points had been deducted from my account but NOT applied to the account balance. I called Barclays customer service again last week ( probably XX/XX/XXXX ), and confirmed that the points had never been applied as a payment, although they had been deducted. I opened a complaint with customer service- Case XXXX XXXXXXXX- but have not heard anything more. By redeeming the points without giving us credit against the account or any other value in return, Barclays has stolen money from us.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXXXXXX XXXX XXXX Account numberXXXX The account was settled XX/XX/XXXX per agreed terms. There is nothing owed since XX/XX/XXXX and nothing past due since XX/XX/XXXX. XXXX case # XXXX. 

Most recent contact with XXXX was XX/XX/XXXX. I have been told several times since XX/XX/XXXX the issue will be resolved yet false reporting and debt collection efforts continue. XXXX XXXX has been impacted negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute it took longer than 30 days I complained about the dispute, taking longer than 30 days and the complaint about the dispute taking longer than 30 days, also took longer than 30 days as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion website is designed in a way that leads individuals attempting to dispute and/or validate information on their respective reports, to an " ORDER NOW! '' page for " TransUnion Credit Monitoring ''. 

This directly inhibits an individual 's right " to dispute incomplete or inaccurate information '' provided under the Fair Credit Reporting Act. 

Notably, " TransUnion Credit Monitoring '' is a subscription service ... So any desperate consumers opting to sign up for " TransUnion Credit Monitoring '' just to be able to dispute information ; are at risk of being blindsided by TransUnion at a later date by the associated costs. 

I have attached a number of screenshots of the TransUnion website. Note that any red in the images was added for notational purposes, and was not on the actual webpage ( s ). They should be viewed in the following order - which has also been indicated in the file names : 1 ) XXXX 2 )  XXXX 3 )  XXXX 4 ) XXXX The FIRST image ( XXXX ) is of the " Dashboard '' /landing page of the TransUnion website upon logging into a TransUnion account. Note that the " TransUnion Credit Monitoring '' advertisement is also displayed on this page. 

The SECOND image is the page reached when clicking on " Dispute Center '' ( as indicated with the red arrow in the FIRST image ). 

The THIRD image is the page reached when clicking on " START A DISPUTE '' ( as indicated with the red arrow in the SECOND image ). 

The FOURTH/FINAL image is the page reached when clicking on the " refresh your TU report '' link ( as indicated with the red arrow in the THIRD image - also note the red underlined text ; this page explicitly tells the user to follow the link before starting a dispute ). The " TransUnion Credit Monitoring '' advertisement seen here is visually the same as the one in the FIRST image ; but is displayed from a different page of the website ( " Credit Report '' as opposed to " Dashboard '' ).
Product: Debt collection

I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.
Product: Student loan

My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.
Product: Mortgage

Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017
Product: Credit card

Zip formerly known as quadpay is terrible, they will not move payments when it comes to hardship!!
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past XXXX months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and TransUnion for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against XXXX and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) with the following details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, XXXX and TransUnion continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. XXXX and TransUnion have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account.

2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither XXXX nor TransUnion has provided the required documentation, further violating my rights under the FCRA.

3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX  XXXX XXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, XXXX and TransUnions continued reporting of the account suggests negligence in ensuring the accuracy of the information. 
4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of XXXX and TransUnion. 

Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct XXXX and TransUnion to delete the inaccurate charge-off account from my credit reports. 
2. Conduct a thorough investigation into XXXX and TransUnions non-compliance with the FCRA.

3. Enforce penalties if necessary to ensure compliance and protect consumer rights. 

I trust that the CFPB will take the necessary actions to ensure that XXXX and TransUnion comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.
Product: Debt collection

They never properly identify themselves on the phone.The phone number is XXXX and they say they are from XXXX XXXX XXXX. I have never had an account with them. They have never sent a dispute letter or any type of correspondence verifying the debt. Spoke to them about sending information, but they refused to verify any information. Also, advised them that I was a senior citizen with only social security as income. So I think the debt is not ours. They also never sent a letter verifying debt or the right to dispute. I asked them to stop, but they continue to call. They keep leaving messages as well.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX
Product: Mortgage

I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid off on XX/XX/2022 this was my final payment for the vehicle to be paid off, they sent me a letter on XX/XX/2022 stating thanks for choosing them etc advising me about the title for my vehicle my score dropped XXXX points in XXXX because they reported me as a late payment which is inaccurate. I tried pulling up my payment history i cant because since the loan is paid off the account online with southeast toyota is no longer valid when i log in it doesnt have my car it says add new vehicle. I want this late payment removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX XXXX  acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.
Product: Checking or savings account

Continuation of XXXX complaint : XX/XX/year> : I visited Citibank XXXX XXXX after about 18 days of my deposit hold over. I protested that the bank was not taking CC regulation into account with my deposits. According to the CC regulation Citibank should have paid us {$5200.00} of the deposit amount on deposit date and held the rest which they ignored to do in violation of the CC Regulation as dictated by Federal reserve board. Also, IRS checks which cleared immediately should have been available to me immediately as should all valid government checks. If they had doubt about the checks it was very easy for them to check the validity of the checks via IRS on the deposit date. It appears Citibank simply wanted to hold on to my deposits as long as they could which is against Federal Reserve regulation. 
They finally released my deposits after my sixth attempt on XX/XX/year> only when I brought up their ignorance of CC Regulation.
Product: Credit card or prepaid card

I purchased an amex egift card online yesterday and even though it states on the amex balance check website that the cards are good to use at any online stores and can be used within your online wallet accounts, I was not redeemable anywhere and can be gifted to others, that is false. I tried to use it to purchase minutes for my cellphone service, I tried adding to my XXXX wallet and my daughters XXXX account and they all failed.the cvc number even came back Invalid during the call when I entered the card over the phone to check the balance activation. I held online for over an hour and the representative provided no help at all and told me that there was nothing wring with the card and nothing she could do. She also refused to provide me a contact phone number for her corporate office. This was my second or third time in the past year exoeriencing issues with Amex gift cards, which is whyy I only purchased a small gift card amount yesterday of {$25.00} +tax because I wanted to make sure the card would work first and it did not. Amex refuses to set clear expectations for customers and leave XXXX stuck with faulty cards that we can't use practically anywhere. I haven't been able tonuse it to pay a bill because I can't even get past adding the card into my XXXX oayment system, it rejects the card altogether. The cards are useless and then amex charges fees when the transactions decline. They should be out out of business because of their unscrupulous practice. There are custimers online all over the web describing the same types of issues with these Amex cards and they continue to sell them blindly. Please investigate this company and their business practices and/ or share the information with the FTC if applicable, > also plan to reach out to them as well. Subsequently I can not even login to the website anymore now to even check the balance of the card because it keeps giving me wrror messages as if the information isn't correc. AGAIN the cuaromer service agents refused to address the issue.
Product: Mortgage

I am on the delayed payment plan with Midland Mortgage until XX/XX/XXXX. Due to COVID, I was having trouble finding a job in XXXX  so moved to XXXX  for a new job in XXXXXXXX XXXX XXXX XXXX. My house is up for sale. I am supposed to have until XX/XX/XXXX and then a modification was to take place where the past due is put to the back of the loan and I continue making payments. 

However, there was a notice on my door from XXXX property group stating they are managing the property now. It was posted on XX/XX/2021. 

I was given no notice at all this was happening. 

The house is up for sale and it was quite embarrassing when a potential buyer was going to be shown the house on Friday XX/XX/2021. I did receive an offer last week that was extremely low and I would not be surprised if they were tipped off with the crookedness happening here.