23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/, I applied on-line for a Quick Silver charge card with Capitol One after receiving mail offering no fees on purchases and balance transfers with a 3 % fee but no interest for a period of time ( not sure of the period of time because after this didn't work out the way I planned/thought it would, I cut up the card, threw it and the mail out and called the company to cancel - I fished half of the card out of the garbage but couldn't find the other half ). I followed my initial application - at the time of the application- with a phone call to ask about the balance transfer which is the only reason I made the application. I'm not sure if they told me at that time that my credit limit was {$1000.00} ( I didn't care about purchases and didn't know that the credit limit included balance transfers ). But during that initial phone call I specifically asked about balance transfers and am pretty sure that I told the representative that I was not interested in new purchases but had two large amounts I wanted to transfer. They told me that I would have to wait about 11 days to call and find out about balance transfers. If they did tell me then that my credit limit was {$1000.00}, I'm sure they never during that initial conversation told me that a {$1000.00} credit limit meant I could only transfer a balance of {$1000.00}. It was my understanding that " credit limit '' meant new purchases, new debt, new credit. It was a lengthy conversation and the representive had ample time to tell me that {$1000.00} credit limit included balance transfers. When I called back after the 11th day, there was another long conversation when I learned I could not transfer my two high interest card balances because of the {$1000.00} credit limit. I explained that perhaps I was only approved for {$1000.00} because of the other two cards, the balances of which would disappear after the transfer. During that conversation I cancelled that new account and cut up the new card. In the meantime, my credit took a hit, I am sure, so even if I find another company that would transfer my balances, I may not be approved because of the lower credit rating. ( A side note is that I had erroneously misreported my income by forgeting to include my income with a simultaneous second job- which I did convey to the representative during that 11-day follow-up phone call but which seemed to have no bearing. )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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 your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXX
Product: Checking or savings account

My account with square XXXX XXXX was deactivated with no cause. I called to inquire about the problem and was purposely hung up on when asking to speak with a supervisor to help me. When calling back I was told there was so called suspicions activity and that there was nothing I could do and I would need to wait 90 day for any refund. I was never notified that the account was deactivated, I was never given an appeals or a chance to try to correct the problem, if there truly was one. After looking online I see that this is a normal practice for this company and they are accountable to no one. I have over {$3100.00} frozen and no one can tell me why. I have incurred other banking fees and cant pay my employees because of probably some crazy XXXX this company uses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN TRANSUNION RECEIVED THE LETTER.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX : XXXXXXXX XXXX XXXX
Product: Mortgage

My wife and I began the refinance process on our home, signing a loan estimate on XXXX XXXX, 2016 with XXXX Mortgage ( Finance of America Mortgage, LLC ) through XXXX XXXX, XXXX XXXX. The loan for {$270000.00} had an interest rate of 3.5 % with 0.125 % in points ( {$340.00} ). The rate was locked to XXXX/XXXX/2016. On the same date, we are also informed we could choose our own title company because we could get a better rate than the lender preferred company having used the title company recently. On XXXX/XXXX/2016, we provided the lender XXXX XXXX XXXX the name ( XXXX ) and contact information for the title company to be used. On XXXX/XXXX/2016, we received our Closing Disclosure which listed the title company as XXXX and the higher rates we wanted to avoid by using University. We immediately informed the lender XXXX XXXX XXXX that day of the error and requested for the title company to be changed. On XXXX/XXXX/2016, we received a revised Closing Disclosure which did change the title company to University and the lower rates, but the discount points were increased 0.125 % to 0.25 % ( {$680.00} ). We immediately contacted the lender XXXX XXXX XXXX that day and inquired as to the increase in points. He said it was due to the rate lock expiring on XXXX/XXXX/2016, they had to charge an additional 0.125 % in order to keep the same interest rate of 3.5 %. We told them that was unacceptable because the only reason we were closing later was due to their title company error. XXXX informed us that day that he submitted an underage request to his manager for us to get a credit back, that it would be approved in 1 day, saying " OK, looks like we are good with this, '' and also asking us to " SO please move forward with anything else ... '' XXXX also verbally told me over the phone that it would be taken care of. On XXXX/XXXX/2016, we received another revised CD, and again it listed the points at 0.25 %. We again immediately contacted the lender XXXX XXXX XXXX that day of the problem. XXXX did not respond. We received our final revised CD on XXXX/XXXX/2016 ( closing day ), and it still had the problem. We again informed them of the error and they said : " I have requested it last week, will get with upper management again ... '' We decided to close in order to avoid any further issues ( and charges for not closing ) with the lender but in reliance that we would get a credit for the additional points in the amount of {$340.00}. Having closed and received no refund and no word, we contacted the lender XXXX XXXX XXXX on XXXX/XXXX/2016. All we got was that they were working on it with their management. Again we inquired on XXXX/XXXX/2016, and again were given the excuse that the request was submitted and they were waiting for management. Again, on XXXX/XXXX/2016 we inquired and were finally told that we were not going to receive the refund and that they essentially knew that was the case all the way back to closing, but finally made it clear to us.
Product: Checking or savings account

I deposited a check at the atm of truist bank from inspira financial and got {$100.00} from the total amount i deposited afterwards the check deposit was completed the next day then was put on hold and marked as pending, for administrative hold.i just want my money its been 4 days and its gon na take another 6 days to clear?!! I have never had a issue with any other banks or such a long wait time.
Product: Debt collection

15USC 1692 ( 2 ) a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



2 ). SCRA SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1
Product: Credit card

The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.
Product: Debt collection

A law firm representing my HOA placed a lien on my home, threaten sue me and is attempting to collect {$4000.00} for attorney fees that they claim are for charges for non payment of my XXXX HOA assessment fees. I have provided proof of full payment via a cancelled check and electronic bank receipts for total amount that was due. The total payment was paid by the due date in XXXX. After the submission of the cancelled check, they gave me credit for the payment made but refused to remove their fees. 

In late XX/XX/XXXX, I contacted the HOA management company to inquire about a bill received in the amount of $ XXXX.The normal fees are $ XXXX $ XXXX/yr. The HOA Management Co. representative, stated that this was probably due to the transferring of their books from the former management company. She stated that she would have the manager to call me and that this should be resolved shortly. I did not receiving a call back. I then made 3-4 calls follow up calls in an attempt to resolve. I eventually sent an email to the company disputing the charges. 

XXXX XXXX, while attempting to pay the XXXX HOA  yearly dues, I discovered that my my online balance displayed a XXXX  balance. I emailed the management co. inquiring about the XXXX balance. XX/XX/XXXX, the management company responded stating that that the online balance was incorrect and I was now being charged fees in excess of {$2000.00}. I disputed those charges. 

XX/XX/XXXX I received a letter from the firm representing the HOA in which they threaten a lawsuit and requested {$3100.00} plus a {$310.00} charge within 30 days. I emailed my HOA board requesting assistance in the matter. I was informed by the board rep that they would not become involved in a financial matter but would request that I be provided with details of the charges. 
On, XX/XX/XXXX I retained a personal attorney. After accepting my case and receiving payment he reached out the the firm representing the HOA. I provided him with proof of payment. He contacted the opposing attorney. The opposing attorney deducted the fee that I paid in XXXX but refused to remove any charges that resulted in their accounting mistake. My attorney suggested that I should make an settlement offer to cease the opposing firm 's fees. I refused and demanded the fees to be removed. 

XXXX XXXX, I received a letter from XXXX, XXXX and XXXX stating that they would proceed with a law suit 15 business days from the date of the letter. The letter sent was dated XX/XX/XXXX. The USPS postmark was dated XXXX XXXX. On XXXX XXXX, XXXX I notified my attorney and faxed copies of the letter and envelope to him. 

XXXX XXXX, XXXX my attorney email me advising that I should just pay the full amount to prevent them from increasing or adding more charges. I asked him what were my legal rights and if I had any legal protections. He was did not provide any answers other than stating this was the best that he could do. 

On XXXX XXXX, I have received communication from my attorney with an attached payment plan proposal for a total of {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX  XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Debt collection

This company showing i have a debt that i dont have. My insurance bills was always paid to XXXX XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

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 or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Debt collection

This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.
Product: Debt collection

In the month of XX/XX/2022, 6 collections accounts were set up in my name ( XXXX XXXX ) estimating {$10000.00} in damages. Caine & Weiner is the agency causing this.
Product: Checking or savings account

Paycheck credited to account and showing as over {$3500.00} in checking account Monday XX/XX/2020, as of XXXX XXXX. I was told by my employer I would see the check credit to my account that day or that evening. I check the mobile app and I see I have been paid. I buy a gift for a friend, and I go to get food since I know I HAVE MONEY IN MY ACCOUNT NOW. it is Tuesday XX/XX/2020, and I wake up at XXXX XXXX. to receive an email saying my account has been over drawn. I check the mobile app and now I am negative - {$95.00}! If I didnt have the money in my account THEN WHY WOULD THEY APPROVE THE TRANSACTIONS WITH MY DEBIT CARD? I SHOULD HAVE BEEN DENIED AT XXXX XXXX, AND ONLINE WITH THAT GIFT FOR A FRIEND. This is a shady malpractice with the intent of collecting overdraft fees! I even have overdraft protection on for this purpose! And now because of their error I will be paying over {$70.00} in fees? Im done banking with this capitalistic XXXX  pig. I will not forgive this error to one of the many oppressed in this shady country. Now I have to go bank with chase. Edit : its actually {$140.00} on fees now. Its XXXX in the morning and the account is now - {$120.00} and some change. Get your programming in order bank of thieves. It is not that hard.
Product: Checking or savings account

Total of {$960000.00} went missing from my checking and saving accounts.. every time a check would clear and post Bank of America would kick me out of my access to online and mobile banking.. play games with me over the phone. Every time I talk to them my accounts were being closed for no reason. Just recently closed my savings account and stole all my money of nearly {$800000.00}
Product: Mortgage

After submitting a complaint regarding an uncompleted loan modification that was ongoing for several months, I submitted a complaint through the CFPB. U.S. Bank finally responded and corrected the problem and we got corrected paperwork and the loan modification was completed in XX/XX/2018. They also changed my credit reporting to show that I am NOT behind on any payment. However, my statements are still reflecting the old balance and that I am several months behind payments. The loan modification balance and payments are not reflecting on my statements. I have asked several times about this and it has not been resolved. Because of this, I'm unable to see my current balance and how my payments are being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously submitted a complaint for the actual company. Which removed its remarks from XXXX and XXXX .This one is for experian credit reporting who has not yet removed the XXXX XXXX XXXX XXXX XXXX remarks.. the other complaint was back on XX/XX/2018.
Product: Credit card

We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.
Product: Credit card or prepaid card

My Citi credit card account has not been updating monthly on my XXXX credit report. Citi has told me that in order for the account to properly report, I must " change my name '' with them. My name concludes with the suffix " XXXX '' and Citi is telling me that I must change the " XXXX  '' to " XXXX '' in order for the account to report correctly. They have been incorrectly reporting my name with " XXXX '' at the end of it, so now my name is incorrect on my XXXX credit report. They need to fix my suffix to " XXXX '' as that's my correct name AND figure out how to correctly have the account update monthly with XXXX. 

Citi has been trying to pass the buck with this issue, washing their hands of it and stating that it's a problem with XXXX. This is absolutely false, as all of my other lenders including but not limited to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX Bank all report my name correctly with the suffix " XXXX '' to XXXX and all of those accounts update routinely like clockwork every single month without a problem. If this were a suffix issue, none of my other accounts would be updating monthly with XXXX. This therefore is clearly a CITI issue, which they need to address and resolve. I've been dealing with their Executive Office for months now, shortly after they sent me a new credit card in XX/XX/XXXX. Each time I contact them I have to wait up to 15 days for a response. When I receive a response it's always of the same tune ... " not our problem, it's XXXX ... talk to XXXX, not us. '' Absolutely unacceptable treatment of a very good customer of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times for my address to be corrected, for the addresses where obviously my identity was stolen that's listed to be removed, employment that's on my report to be removed ( I'm not employed ), which all was corrected back in XX/XX/XXXX, but then I received a copy of my report recently XXXX XXXX after disputing some invalid, incorrect erroneous information that was in my public records file! Not only was it not corrected, nor did they send me Verifiable Proof they put more invalid, incorrect information onto my report!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX