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

My XXXX statement from US Bank indicated a payment reversal debit adjustment of {$1200.00}. This was for a check written on my account with XXXX XXXX on XX/XX/2023. I received a cancelled check from XXXX XXXX showing US Bank received the check and they cashed the check. The copy of the check ha the US Bank endorsement. I have verification from XXXX XXXX. That the funds were taken from my account. 
Thus US Bank received the funds did not give me credit for payment and they have keep the funds, in affect stealing my money. 
I have contacted customer 6 times with no satisfaction. We had a conference with US Bank and XXXX XXXX last XXXX and were told no one was there who could deal with the issue. They did ask that we forward our documentation to them. I informed them that the documents including the cancelled check with their endorsement was faxed on XX/XX/XXXX. After a delay of approximately 15 minutes ( on Hold ) they acknowledged receipt. 
They informed the representative from XXXX that a supervisor would contact me either later on XXXX XXXX XXXX. No contact has been made. US Bank has my money and I want it back
Product: Consumer Loan

I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/2020 : Perfect credit score, no issue ever recorded, score XXXX XX/XX/2020 : Open a new credit card with First tech over the phone and have them setup automatic payments from my savings account. 

XX/XX/2020 : Make a {$14.00} charge on the card, due date XX/XX/2020 XXXX : Since I had not been contacted about a late payment I had assumed the auto pay was working correctly. Use the card again for {$27.00} with due date of XX/XX/2020 XX/XX/XXXX : First tech contacts me to tell me that I have a late payment. I immediately pay the full balance, confused why the auto pay was not working. At this point they have already charged me a late fee of {$14.00} for the original XXXX charge AND reported the over 30 day late fee to the credit bureau. Credit score now XXXX ( an ~100 point decrease ) All of my other credit cards are on auto pay so I had the same setup with this card I received from first tech. For some reason first tech failed to properly setup auto pay and as a result tarnished my perfect credit history. I believe they intentionally did this and waited until after the fee was charged so that they could profit from the fees charged to me. When I applied for mortgage, my lender informed me that he had the exact same thing happen to him with First Tech. He had setup auto pay over the phone and they conveniently failed to set it up, resulting in a massive credit drop and a late fee paid to First Tech. 

First tech has been notoriously bad for reversing fees even when the charge was a result of their mistake. This leads me to believe that they are not operating with good intentions and are trying to maximize profit through extra fees at the expense of the customer.
Product: Debt collection

Lvnv funding has accounts that dont belong and call me and threaten me all hours of night and day including XXXX  some times XXXX times an hour
Product: Credit card or prepaid card

A {$500.00} charge was initiated on the card by XXXX App on XX/XX/XXXX. The merchant promised to deliver 2 {$500.00} gift cards for this amount. The promised delivery date was XX/XX/XXXX. The merchant was contacted multiple times and eventually they promised a refund after the delivery date was missed. I have proof of these contacts. 

After receiving no refund, I opened a dispute on XX/XX/XXXX. According to my billing statement, it looked like the merchant had refunded me manually since the {$500.00} credit did not say anything about a temporary credit. I then canceled the dispute assuming that it was resolved. I contacted Chase via secure message to let them know I am ONLY canceling the dispute under the assumption the merchant has done a refund on their end. This was obviously not the case, and on XX/XX/XXXX Chase rebilled me {$500.00}. 

I contacted Chase on XX/XX/XXXX and was told I needed to fax in a letter to reopen the dispute and get the {$500.00} credited back. I did so the same day. I then contacted Chase on XX/XX/XXXX to check on the status, and Chase informed me they had not received the fax. I was told that I needed to send it again to reopen the dispute. I have confirmation that the fax was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  Phone nu mber :  XXXX .     I have been receiving phone calls from this company stating that I am being sued for an old debt with  US Bank. I contacted US bank direc tly after the first phone call and they stated that I do not owe a debt with them & to ask the company for a validation of debt.     I received a phone call from a blocked number, when I answered the woman on the phone was from   XXXX   XXXX   XXXX   XXXX   claiming to work at a law firm. When I asked her for a validation of debt, she declined. She stated that I would not receive that from them, I would receive that from the bank and that she is going to push a button and place t his $ 4,000+ debt to my credi t report, where it will stay for 15 years. She went on to say that if I did n't pay her with in the next couple of minutes that there would be no way to resolve the debt. This woman was very rude, she would not answer any questions that I had asked. She cut me off multiple times and threated me by saying she has my social security number, birthdate, address and information about my personal owned business. She stated that she has many avenues on which she can take to collect the money owed. When I told her I needed a little more clarification on the situation, she hung up on me ... twice.
Product: Payday loan, title loan, or personal loan

I took out a loan in XXXX with a credit line of {$30000.00} with Beneficial based in XXXX XXXX NH. At that time, I was told it was a 15 year mortgage with a fixed rate. Over the years, the account has changed twice and is now with Shellpoint Mortgage Servicing. I have paid on this account for 20 years and my balance is currently {$25000.00}. Payments are made early. This company has lost my payments twice, the most recent was XX/XX/XXXX 's payment. I received a past due balance letter dated XX/XX/XXXX. They have applied late fees. I have paperwork from my bank that shows that the check was cashed within a week of my sending it. There is a robocall every day, at least twice a day, regarding this matter. I have called them to discuss this missing payment which they clearly have. They apologize for the inconvenience but charged a late fee. I have paid over {$60000.00} for this loan. 

I also had life insurance for the first few years that started out at {$26.00} which dropped off at some point but my payment didn't decrease and never did find out what that money went for after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX contacted these companies multiple times it been over 60 days and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Credit card

I purchased flight ticket from XXXX and the flight was cancelled on the day of the flight by airline. That was XX/XX/year>. I contacted airline XXXX and they told me XXXX is responsible for refund. I contacted XXXX they said XXXX is responsible for refund. I was going back and forth with them for 2 months. When i printed and told them about airline cancellation refund policy, XXXX stop responding and XXXX lied that i cancelled flight. I reported dispute to Apple and send them screenshots of everything I had, they ruled in merchant favor not even used proof. I did 3 times dispute and asking them to confirm they have been received my email of proof i sent them, they didnt respond until they put charge back on my card. I lot of emails and all screenshots and i would like to someone take this case.
Product: Debt or credit management

This complaint is referencing Experian Credit Reporting Agency. 

The first issue is that I can not get anyone on the phone. I have tried every number on the Internet, as well as the chat feature and NONE of the options get me to a live person. 

The second issue is that I mailed sensitive documents to them over month ago to update my name and it has not been changed. My major concern is the confidentiality of the data I submitted to the address provided by the chat bot. I assume that if it was received, it would have been changed by now, so where are my documents?
Product: Credit card

Lowes Credit Card run via Synchrony bank charges paper statement fee. I had chosen paperless statement fee to avoid charge. 

The company changes it back to paper statements without authorization. If I not noticed I would have to pay the fee. Even after I noticed, I was informed that I could not change it back for at least 24 hours
Product: Debt collection

We lived in the XXXX XXXX apartment complex in XXXX Idaho. Many things took place toward the decision to end our lease that made us vacate our unit. 
Our apartment was flooded out due to the apartment above us having a seal break on the toilet and water gushing out for hours. It was flooded so bad the fire dept had to come out and assist with clean up. 
Our apartment was unlivable while they " made replacements and repairs ''. The options that were given to my family were, 1 ) move into a vacant apartment unit sign a new lease agreement and stay in that unit without the option to move back into our flooded unit after repair. THE ONLY UNIT AVAILABLE WAS THE CENTER OF THE COMPLEX, WE LIVED RIGHT ON THE POND A VIEW OF THE WATER, AND THE GREENBELT GRASS RIGHT OUTSIDE FOR OUR KIDS AND DOG. 
option 2 ) move out while they make repairs, keep the lease by keeping the rent paid and the complex did not offer any voucher nothing. 
We opted for option 2. We could not live in a unit that had only a shut-in 10 by 8 foot concrete patio. WE had to file an insurance claim with our company although the flood happened above us and was 100 percent preventable by the company and maintenance team. 
We were displaced for over 30 days and then given the green light to move back in. 
Over the next few months, we were noticing what still had not been repaid by the complex. Eventually, the bathroom began to mold around the bathtub I could not get it off and if would keep coming back, we noticed our unit was smelling worse and worse, the appliances would stop working and maintenance would not come out to fix it. 
Eventually, we decided that our complex was not able to provide a safe and livable unit for us so we decided we would terminate our lease and move out. We paid our termination fee, we paid our last month 's rent we were up to date on all payments due before the move. 
After the move, XXXX XXXX apartments claim that we owe them for the replacement of the carpet totaling XXXX and past due rent. 
there are other charges as well like a cleaning fee of XXXX that I see as valid. 
When our unit flooded the carpet was supposedly changed at NO CHARGE TO US but with the way the unit kept growing mold and smelling worse and worse, I believe the repairs were not done correctly. Given that there were many missed repairs, I am positive the unit clean-up was not done correctly forcing us to vacate permanently. 
We vacated on time and should not owe any back rent as it was paid in full. 

I have been in contact with representatives from both XXXX and Geniss debt collection. The man from collections told me to call XXXX for more info. the woman from XXXX told me she could not talk about my account since it has gone into collections. I asked Geniss for photos or videos and itemized list and he refused to send it to me. In fact when I ask him if he can he completely changes the subject. 
I recorded our conversation as well as they did on their line. 

The pictures below do not come close to showing the true damage that was caused.
Product: Mortgage

In XX/XX/XXXX I qualified for a mortgage Forbearance due to Covid, the Forbearance ends XXXX XXXX. My property is located in XXXX, Fl and I am a XXXX XXXX who runs a XXXX XXXX XXXX XXXX ; I am also a XXXX XXXX. Due to the Pandemic I was unable to have students at XXXX XXXX and due to worry and concern over the potential impact of a Forbearance I made calls to the mortgage company, Specialized Loan Servicing, on a frequent basis throughout the forbearance period and had my accountant on the phone with me during these times to ensure that I understood everything and did not miss anything. As I have gotten closer to the end of the forbearance period my accountant and I have made weekly calls to ensure that the process of resuming the mortgage payments would be manageable. I was assured that Specialized Loan Servicing would modify the loan and that all missed mortgage payments would be applied to the back of my loan and that the term of the loan would be extended and that I would resume my monthly payments as before.

Today my accountant and I once again contacted Specialized Loan Servicing because they were to send us loan modification papers which had not been received. At that time I was informed that I have two options, to pay the forbearance amount of {$29000.00}, which had been explained to me before, or if I modified the loan then my monthly mortgage payment would increase from {$1700.00} a month to {$3000.00} a month because they would escrow taxes and insurance. In all the many conversations that my accountant and I have had with Specialized Loan Servicing over the course of the past 18 months, many of which were recorded, it was never mentioned that when payments resumed that property taxes and insurance would be escrowed. As I struggle to resume working and managing monthly mortgage payments I am unable to afford to have my monthly mortgage payment doubled. During the pandemic I struggled to make sure that both property insurance and property taxes were paid on time. I depend on XXXX XXXX to support XXXX XXXX  and feel that it is grossly unreasonable for the mortgage company to change the terms of my original loan to escrow monies which will impact my ability to meet my monthly obligations. Today when my accountant and I shared this with the Specialized Loan Servicing representative she checked her notes and agreed that through the many calls made regarding the Forbearance and loan modification this information was not shared.
Product: Debt collection

Sezzle has an account for XXXX $ on my credit that is now charged off. I sent a validation letter to confirm that this is my account because I have no knowledge of it and have not heard anything.
Product: Credit reporting, credit repair services, 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 To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERASSIST AR SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Bank account or service

As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment 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 XXXXXX/XX/year>