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

Hello, I was presented with an e-mail offer from Citi advising that if i activate and spend at least {$750.00}, I would receive a 15 % statement credit on my Shop Your Way credit card. Max {$1000.00} ( so max statement credit would be {$150.00} ). 

I activated the offer and have spent exactly {$1000.00}. However, I keep getting the offer e-mail to me and I keep clicking " activate ''. It's been over a week since I've spent the {$1000.00} and I am concerned that the activation isn't taking for whatever reason as we have not received the {$150.00} credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX, XXXX I got a email from XXXX XXXX XXXX XXXX in which they said that they had " Denied '' my " Loan '' request based upon negative credit information on my " TransUnion '' credit report. I then called up " TransUnion '' and professionally explained to them the above same facts. I then asked " TransUnion '' for my " Free Copy '' of my " TransUnion '' credit report in according with the Federal law called the " Fair Credit Reporting Act. '' And I was told " XXXX '' by " TransUnion at which time they just hung up the phone.
Product: Credit reporting or other personal consumer reports

XXXX is no longer a loan servicing company and it's still being reported on all three of my credit reports. Also, my loans have always been in forbearance, and it never reflected that on my credit report. 
My loan is not being reported by the new server and that information is not accurate because I pay what I am supposed to be paying and that with XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure that only accurate and verifiable information is reported. The following inaccuracies require immediate correction : XXXX no longer services my student loans My loans were consolidated, and XXXX is no longer the rightful servicer. 
XXXXXXXX XXXX  continued reporting is unauthorized and inaccurate Since my loans were consolidated, XXXX has no valid claim to continue reporting on my credit file. 
My loans were in forbearance prior to consolidation The negative reporting does not reflect the correct status of my loans before they were consolidated. 
Under the FCRA ( 15 U.S.C. 1681i ), I am requesting the immediate removal of this inaccurate account from my credit report. Please conduct a full investigation and provide me with : Verification that XXXX has the legal authority to continue reporting this account. 
Documentation showing that my loans were not in forbearance before consolidation. 
The method and findings of your investigation. 
If you can not verify the accuracy of this information within 30 days, I request that this account be permanently deleted from my credit report per the FCRA. 

Additionally, please provide me with a corrected copy of my credit report once this dispute is resolved.
Product: Debt collection

I C systems XXXX dollars charter filed 6-12-2023 garnish of wages and hurting my credit. I had a credit score of XXXX in XXXX and now it's XXXX. Things came off my report and now I have XXXX and XXXX has my pay being garnished
Product: Credit card or prepaid card

Hello, I recently gotten my capital one secured card closed for missing a payment or 2 I didnt know about Ive gotten no emails no calls ect and I didnt know of the payments or payment I missed. So I recently gotten ahold to my amount I owed my credit card company and I paid my amount if full which was XXXX dollars and they restricted my account then once my payment cleared with my bank they closed my account unknowingly, and it made my bank account go into overdraft. I called them to see why they would do that once my payment cleared and saw that I tried to pay it off then just closed it and they couldnt give me an answer, but they told me thank you for the payment then disconnected my call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  INQUIRY on XX/XX/year> I didnt Recognize i think not mine
Product: Mortgage

On XX/XX/2019 I reached out to my loan officer to discuss the loan product I was given. I had a problem with the interest rate and APR. I felt that based on my credit profile, I should have been given a better rate. I was advised to submit a competitors offer to match. I did submit a second offer, however I still was not being treated fairly. On XX/XX/XXXX I reached out to the office manager to reach a resolution. I was told that my competitive offer would be considered and that changes would be made to my loan product in order to keep my business. Minor changes were made on XX/XX/XXXX, however I am still unsatisfied with the loan product I was given because unfair lending practices are still being used in order to manipulate me. On XX/XX/XXXX my loan officer called me and told me that I can go with another lender or take the unfair terms of the financial product that is already in place. At this point I am less than a week away from my closing date and I do not have sufficient time to find another lender. If I do not stick with this unfair loan product that was comprised using to predatory I will loose my deposit money and the home that I am trying to purchase.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXXmy credit union issued cashier 's checks to payoff loan numbers XXXX for {$1600.00}, XXXX  for {$3800.00} and XXXX   for {$2000.00}. On XX/XX/XXXX these paymemts still were not posted on Prosper 's end so thinking they were not received I placed a stop payment on them to reissue new cashier 's checks. OnXX/XX/XXXX they were finally posted but now no good.

On XX/XX/XXXX I sent the new cashier 's checks via certified mail requiring a signature. USPS tracking number XXXX  in which it was delivered and signed for at the front desk onXX/XX/XXXXat XXXX Needless to say these loans are now past due, have accrued fees and can very possibly hot my credit negatively. I received a call from Prosper at my place of employment with absolutely no attempt to contact me on my cell phone. I was told it can take two weeks to post my payment!!! Why are they holding my payments??
Product: Credit reporting or other personal consumer reports

My credit score with Tansunion suddenly dropped from XXXX to XXXX with no reason given. It was very surprising because I had THREE positive changes in my usage of credit, total debt and available credit with no negatives reported with the drop in my credit score. My XXXX  score is at XXXX.
Product: Checking or savings account

On XX/XX/2022 my account was charged {$20.00} we called the bank to inquire about the charge after XXXX hours and talking to XXXX different people XXXX claiming to be managers the last person said it was a charge from XX/XX/2022 an ATM withdraw for {$20.00} the company states that it was not deducted from the account. I found the charge on the ledger showed it was deducted the rep said the ledger was wrong. But the can't prove that the money was not deducted.so I am being charged twice for the same ATM withdraw.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

To whom it may concern : I signed up for the Amex XXXX XXXX card on XX/XX/XXXX. The welcome bonus for the card required spending {$10000.00} over 3 months to receive a bonus of XXXX Membership Rewards points. I confirmed via Amex XXXX that the due date to complete the spending requirement was by end of day XX/XX/XXXX. I completed this spending requirement but did not receive the welcome bonus. 

When I contacted Amex via XXXX regarding the bonus, the agent stated that IRS tax payments do not count. This is the specific message sent by the chat agent : " I appreciate your patience. 
I've checked your account and see that as a welcome bonus offer, you can earn XXXX Membership Rewards points after {$10000.00} or more eligible purchases are made on the card within the first 3 months of XXXX XXXX. 
Please note that Eligible purchases are purchases for goods and services minus returns and other credits. 
Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. 
I can see that you've a charge made to US TREASURY TAX PAYMENT which is not an eligible charge for welcome bonus. '' However, I have done research and the tax payment DOES count for welcome bonus spending as it is NOT a cash equivalent, it is a bill. The chat agent would not help me anymore so I called in a few days later to speak to a phone agent. 

The phone agent gave me completely different information ; they claimed that the tax payment DID count but the problem was a payment I made to a contractor ( XXXX XXXX XXXX ) which was processed via XXXX. This was a purchase of Goods & Services, it was payment for construction of a block wall. The payment was made on XX/XX/XXXX for the amount of {$4500.00} to XXXX XXXX XXXX. 

This agent also could not help me any further so I asked to speak to a supervisor. The supervisor said they could see that the payment via XXXX was for Goods & Services- they could see that it was not a person-to-person payment ( which incurs no fees ). In fact, when you pay via XXXX for Goods & Services there is a XXXX % fee which was around {$130.00} and the supervisor acknowledged that they could see that level of transaction data. They then claimed that this payment to a business for Goods & Services did not count for the welcome bonus spending, even though it was clearly a purchase. 

I went over the Terms of Service for the XXXX XXXX  card and there is no mention in any of the contract that I received from Amex which states that payments made for Goods & Services do not count towards the welcome bonus ; on the contrary, as the chat agent stated, the only transactions which do not count are for cash equivalents. As this is clearly not a cash equivalent this is a payment for XXXX XXXX XXXX, which the phone supervisor acknowledged, then this payment should count towards the spending requirement for the welcome bonus.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$3500.00} to pay off the balance on my XXXX credit card. On XX/XX/XXXX, I made another payment of {$52.00} because my account showed that as a remaining balance. In XXXX, I received a phone call from Comenity saying I owed {$49.00} in late payment fees. I was astonished thinking I had paid off this account ; after talking to several reps with the company they said that I had paid the large amount in XXXX after the due date, resulting in the late fees since XXXX. They also destroyed my credit by reporting to the Credit Bureaus late payments from XXXX till XXXX. ( As I'm writing this, I believe the {$52.00} payment on XX/XX/XXXX was the late fee I paid, which means none of these late fees should have been made against my account ). In XXXX, I disputed these charges, and the fee they charged to my bank account was returned to them unpaid. After receiving a response from their Credit Department that they had a right to charge me these late fees, I set up on XX/XX/XXXX a payment of {$49.00} to just end this whole nightmare. 
Today I received an email from Comenity saying that I owed late fees ; I immediately called up Comenity who stated they never received my payment from XX/XX/XXXX. Of course I had the withdrawal showing on my bank account as well as the confirmation number from Comenity when I set up the payment. 
Finally I talked to a third rep, XXXX, who said he was the Senior rep. As I tried to go over the transactions from my Comenity account with him, he said he did not have the same view as I did making it impossible to go over each payment. He then began shouting at me, at which time I told him to lower his voice. He said that after I paid the {$49.00} amount on XX/XX/XXXX, I was charged a late fee of {$25.00}. I said I just wanted to pay this amount and that I would be making a formal complaint against Comenity. I asked XXXX for reassurance that no other charges would be accrued against me ; he replied that Comenity has a {$2.00} fee on any account with an open balance, so he could not promise me no other charges would pop up. At this point I told XXXX well how can anyone pay off their Comenity account if you just keep adding fees. He advised he would make it so these {$2.00} fees would not be applied in the future against me. 
The unfairness of all this made me, a XXXX XXXX Veteran and retired XX/XX/XXXX, cry. I believe I was wrongfully assessed a late fee from XXXX, which I paid, which then led to the destruction of my credit and continuing fees wrongfully accrued. Thank you so much in advance for any help you can give and hopefully other people will not have to go through this horrible process with Comenity.
Product: Credit card or prepaid card

On XX/XX/XXXX, Wells Fargo charged {$2000.00} to my XXXX XXXX XXXX XXXX XXXX from a company called XXXX XXXX , in XXXX FL. I called them and told them I had never heard of such a company and had not done any business with them. They refused to return my money and claimed I had dealt with them. There was no phone number to make any contact. I have been fighting this cause since then. Last week I was told that my time of limitation has run out BUT I have been on this case since XXXX. 

The following year on XXXX, I was charged {$1500.00} to sell my timeshare. Then on XX/XX/XXXX, the same company, XXXX XXXX XXXX, called me and hurriedly told me they needed {$3800.00} as they were selling the property. I was confused and did not realize that I had already paid them {$1500.00} earlier that year. This was charged to my XXXX XXXX XXXX XXXX XXXX. I refused to sign the contract and asked them to cancel. 
I called Wells Fargo and asked them to refuse the charge. They told me they could n't reverse it. In doing so, they accepted the scam charge rather than supporting their client who had been with them since the sixties. I received a letter which claimed I had profited from this charge. How can they prove that? Still pursuing this all these years and the time of limitations is up. They never sold my timeshare.
Product: Vehicle loan or lease

XX/XX/2019 payment on credit report shows a s late payment was made beefore late deadline.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed this inaccurate information being reported on my credit report. I sent 2 letters to the Credit bureau requesting method of verification any documentation bearing my signature. I have not received any response. As per the Fair Credit Reporting Act ( FCRA ), Section 1681-2 ( b ), any information reported on my credit file must be thoroughly investigated and verified in a timely manner. It has been over 60 days with no response.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

IN REVIEWING MY CREDIT FILE I WAS DENIED DUE TO ACCOUNT ON MY FILE THAT I HAVE NEVER OPENED.
Product: Student loan

I have been on hold with Nelnet for over 3 hours now, simply trying to ensure that my loans get consolidated into one so I dont have multiple charges from my bank account next week. This is the second time Ive called them and last time I was also on hold for over 2 and a half hours before I eventually had to just hang up. I do not have enough time in my day to stay on hold for hours, staying alert to make sure I dont miss an operator finally answering. There isnt a call back option either, and I cant get this done on the website as it says I have to call for this. Im not sure what else I can do but Im still on hold and its approaching the end of business hours, so Im concerned Ill have to do this all over again tomorrow with no guarantee of an actual human answering the phone.
Product: Checking or savings account

On XX/XX/XXXX, I opened a CD account with Marcus by Goldman Sachs. I wanted to transfer money directly from my savings account ( at another financial institution ) into my Marcus CD, but unfortunately the electronic transfer software used did not work between the two institutions. I contacted Marcus about other options and was told I would need to send a check. I was given very explicit instructions about the information that needed to be written on the check. I don't have physical checks ( my other bank is a small online only bank ), so I requested a check from my bank for {$2000.00} be mailed to me, and then endorsed the check with all the required information Marcus had provided and put it in the mail. Unfortunately, this process took longer than expected, and by the time the check actually arrived at Marcus, the month-long CD funding window had just closed and Marcus closed the account. I called Marcus on XXXX  to ask about how to handle this, and they said since I no longer had an account, when my check arrived, it would just be sent back to me. On XX/XX/XXXX, however, I was shocked to see that {$2000.00} had been withdrawn as a check deposit. And my Marcus account was still closed, so it didn't go there. The money had been taken out of my account and was no longer in my possession in any way, it had just disappeared into Marcus 's coffers. I contacted Marcus to find out what had happened, and why my check was not just mailed back to me. They said it was " being processed '' and they would need to cut a new check to send the money back to me. I was told to expect it in 7-10 business days. I did not receive it. I called again on XX/XX/XXXX and it was like I was starting all over again, nobody knew anything about my situation. They told me the check was received for processing and asked me what I wanted to do with it. I told them I wanted my money mailed to me, and had been told this was already in process. They apologized, said they were starting the process, and I would receive it in 7-10 business days. Again, no check. I called again on XX/XX/XXXX and had a VERY long phone conversation where I was told it was understood how frustrated I was, and they weren't sure why it hadn't been put in properly but it wasn't, but now they were going to expedite my check and would try to get it to me sooner, but at latest, 7-10 business days. On ALL of these calls, I asked about SOMETHING to make this easier ( could they wire the money to my account?? no, of course not ) or confirm the info ( could they at least provide a tracking number when they mail the check so I know it's been mailed? nope ). I was on a trip during the " 7-10 business day '' window of the last call, so I did not call again until today ( XX/XX/XXXX ), when I was told that there were verification steps on the check that had not been completed, and they weren't sure why, but once the verification was complete they could send me the check. They said the verification was done at the end of this call, and that they are going to send me the check, but they can't confirm anything, and I no longer have faith in their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. XXXX has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX Bank with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted XXXX more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on XXXX.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
XXXX  has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX XXXX. Although the information on this report is correct, my concern is the 3 reports that I pulled on the XXXX  portal after XXXX are still showing the errors. 
XXXX  is unable to explain the discrepancies. When my lender pulled my combined credit report via Credco on XX/XX/XXXX, it is still indicating that XXXX is reporting my brothers mortgages on my report. The Credco Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at XXXX Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.
Product: Credit card

I requested a credit increase on my Lowes Business Account in the month of XXXX, 2017, online using Lowes Request Increase function on their website. The request was denied. I received a letter ( will upload as an attachment ) stating : Synchrony Bank has reviewed your request to increase the credit line on your business account with Lowe 's Business. Due to the following reasons ( s ) we are able to approve your request : Low payments to balance in the last 2 months on this account Low payments made in the last 3 months on this account. 
Low payments made in the last billing period on this account Recent delinquency on this account The letter does not state where they pulled any credit information. It does not state XXXX, etc. 
The letter merely states the reasons were based upon 'on this account ' referencing that they used by Lowe 's credit history in determining the denial of request of a credit increase. 
I called Synchrony Bank ( Lowe 's ) regarding the letter, stating to them that none of the 4 reasons were true. At no time did any of the 4 reasons listed in the letter were true, or factual. They stated that I should contact the credit bureaus and file a credit report request and dispute with the credit bureaus. I stated to them that the letter did not have who they used as a credit inquiry bureau source. They still stated I was to dispute the issued based upon : 'We came to our decision based upon information supply by the credit bureaus '. I called all XXXX credit bureaus and none of them have any requests for information from Lowes, or Synchrony bank within the last 3 months. 
The reasons for the credit increase denial are incorrect. 
I believe I was not treated fairly. 
I believe they ( Synchrony Bank ) aka Lowe 's used incorrect information on assessing my credit worthiness.