23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Barclays JetBlue MasterCard the number is XXXX and the last four digits are XXXX. I do not want to provide my credit card number blindly. 

The interest rate is too high on this card at approximately 30 % which I believe is a usury rate. I have asked repeatedly for them to lower the rate, yet they refuse. I pay this card every month. I have now done 2 balance transfers to two separate cards of 0 % promotional just to take the weight off of this card because they are charging me a minimum of {$410.00} in interest per month. I never use this card, yet the balance keeps increasing due to the extremely high interest rate on this c, ard. I should have paid this card down by half so far, yet because of the high interest payments, I have not made much of a dent in the principal at all. I now suspect fraudulent activity on this card that could very well be brought on by Barclays Bank rather than having somebody else using it. 

I would like the interest rate to be below 10 % and I need your assistance in doing this, that way I can pay off the balance and close the account. 

I originally signed up for this card because I was promised XXXX mileage points by JetBlue for opening it and using it. Then was prmised XXXX points for every dollar spent. I also font understand how my balance increased so much because my spending habits ate not out of cpntrol so I suspect fraud. 

I also never received the promotional XXXX mileage pointd for using this card, but never received the promotional XXXX points. At this point, I do have XXXX mileage points but, I was told by customer service at the interest payments that I'm paying do not translate into any mileage points, so I'm just paying interest only for basically nothing in return, for maintaining a balance on a card that I have stopped using. 

There is no value added and just giving my money away to the bank since I have a lot of other personal things that I'm trying to save up for but I can not due to this card. 

The interest is providing no value whatsoever I would appreciate your assistance in this matter and looking into Barclays practices in this country in their credit card Market as well as JetBlue for promoting it and not following up on their promise of bonus mileage points I think this is a crime and it turns into fraud and usury. 

Please help me win this matter at your earliest convenience and please contact me at XXXX or my email account at : XXXX Thank you very much. Please act on this before XXXX becomes president because I'm sure my rights in this matter will vanish
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX XXXX XXXX : XXXX. ) In accordance

with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last
active inaccuracies, as

well as last payment dates that are completely frivolous, and the reporting of the same account multiple times. Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Product: Mortgage

The mortgage company reported my loan 30 days late after they had agreed to move XXXX payments to the back of the loan. I feel proper expectations were not set. Had I been advise that this would of happen, I would have made the payment and requested to have a later payment moved
Product: Debt collection

After leaving the company as driver, the company claims I owe them because I was supposed to work for them for XXXX  months but I did XXXX  months. I remember I did not sign such a contract with them. 

I requested they provide a contract that I signed that states I will owe them when I decided to leave before XXXX months but they didn't and they keep reporting the debt on my credit I requested for itemized receipts of the services they provided that costed me XXXX dollar and they didn't provide it. 

They should be the ones owing me because I was paid less than minimum wage and they lied about how much I would make weekly
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items Need to Dispute : '' 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: Mortgage

In complaint XXXX, I described how Ditech misapplied my extra mortgage payments to interest when they should have been applied to principal. Their response failed to correct the error. I have been keeping my own records since we began the mortgage which I am submitting as part of this complaint. 

The correct principal outstanding after I made my XX/XX/2018 payment is {$350000.00}. 

The incorrect statement they sent in response to my aforementioned complaint says the principal balance outstanding as of that date is {$350000.00}. 

In addition, they wrote " Your payments were submitted online without instructions indicating how any additional funds should be applied to the account. '' There is no way to provide instructions accompanying an online bill payment at Ditech.com. So it is literally impossible to do what the company asks.
Product: Mortgage

I am the recipient of blatant systemic institutional racist predatory XXXX XXXX business practice conduct from Rocket Mortgage ... ie ; XXXX XXXX ( XXXX ), XXXX XXXX ( Director Mortgage Banking ). 

I applied for a mortgage loan on XX/XX/XXXX with XXXX XXXX, on on a income property that I own in XXXX, Texas. On XX/XX/XXXX, I am then tossed over to XXXX XXXX like some XXXX that just got off a boat, despite that ill feeling I went forward and went through the whole submission process appropriately providing ALL requested documentation, and even having these XXXX run my credit from the onset ( without my authorization ), and knowingly being mislead, and be told that I DID qualify for the mortgage loan. 

On XXXX I receive a phone call from XXXX XXXX telling me that all submitted documentation is complete, and satisfactory, and that the last step needed would be for me to go onto the application site, and complete the deposit agreement by providing my banking information, which I completed, and did on XX/XX/XXXX. 

On XX/XX/XXXX I received a email ( attached ) from XXXX XXXX telling me that my loan application had automatically withdrawn itself, ( straight XXXX misleading misrepresentation ) despite me complying with the directive, and his request of the above mentioned deposit agreement being completed, again done on XX/XX/XXXX. Per the attached email, he tells me he can recreate my loan application, and all I would have to do is resign the application online. Or ( verbatim ) we could drop this, and part ways ( more XXXX ). He would have the documents sent back to me to resign. I agreed to continue to move forward, and resign the documents to move the process forward. 

Today, XX/XX/XXXX, I receive a phone call from XXXX XXXX, asking me if XXXX XXXX had contacted me, and that he had called me 2 times, which is a ( XXXX lie ), and part of the misleading misrepresenting ruse that has been ongoing from/by these XXXX, He then commences to inform me that XXXX XXXX had made a mistake, and that I didn'nt qualify for the mortgage loan. 

Again, this is some straight blatant XXXX XXXX XXXX XXXX racist predatory redlining lending XXXX, and was done because I'm a XXXX American, and what is taking place with the devastating catastrophic weather conditions in the State of Texas.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account and said I had to upload a photo of my government ID. I provided this, as I had done before years ago, but they did not unsuspend my account. instead they requested a video of me holding my ID. I requested an alternative method for verification as I take my privacy seriously and can not provide a video of myself to an unknown person. I can find no references to this requirement in any know your customer regulations or other industry standards. I again asked for an alternative method of verification which they declined. My account is still suspended and I can not access my funds.
Product: Debt collection

I requested that the company validate not verify this debt the sent me verification there is a difference between the two validation
Product: Mortgage

I am writing concerning missing escrow funds. I had a mortgage with Specialized Loan Servicing that was transferred to Fay Servicing in XXXX of 2022 ( Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX had a total of XXXX in escrow funds which they sent to Fay Servicing in XXXX separate checks. I have attached their escrow records ( with property address and last XXXX of my loan number on them ). 

Fay Servicing only credited my account for XXXX and did not credit me for the second payment of XXXX. When I called to complain Fay Servicing keep claiming they did not receive the second payment. 

After going back and forth between XXXX XXXX XXXX and Fay Servicing, SXXXX XXXX XXXX  provided with me with proof ( canceled check ) that Fay Servicing did in fact receive the funds ( canceled check attached along with print out of email from XXXX ). 

This has now gone of for months with both companies blaming the other for missing escrow funds.
Product: Mortgage

More than 2 months now into a mortgage refinance process and one of the problems that I'm told is VOM. Verification of mortgage payments. There is no reporting on payments made to existing mortgage company since XX/XX/XXXX. New mortgage company trying to close refinance has received owners payments proof including statements with payment history from existing mortgage company but underwriter has to fulfill VOM which does not show any reporting. 
Existing company, took 3 consecutive monthly payments coming out of forbearance and does not want to accept a modification or accept a balloon payment to bring loan current. Also, today XX/XX/XXXX making more monthly payments and never miss one since XX/XX/XXXX current mortgage company offered us a loan modification trial period without any commitment of what the loan will look like at the end of trial period. More, current mortgage company charging us a late fee monthly on the whole amount accumulated during forbearance, asking to pay in full the whole amount $ XXXX to bring loan current. Please help
Product: Credit card or prepaid card

I've always paid off my balances in full with Citicard. I hardly carried any balances on my card or any other credit cards. I received offers for a 0 % balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 0 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to receive a letter indicating that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the 0 % offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money. I called the number on the back of my card as well as XXXX where I was met by a very rude representative. I encourage Citi to listen to the recording. Please see attached offers and letter received indicating a reduction in credit lines.
Product: Debt collection

My wife and I are trying to purchase a home and had our credit pulled. On Friday of XX/XX/XXXX, The banker said that my credit score was lower because I owed {$4300.00} to Radius Global Solutions through XXXX XXXX  This doesnt make sense cause I have never used XXXX XXXX I have XXXX for 3 years. The banker said its in collections as of XX/XX/2024. I contacted Radius Global Solutions and they said this is true but did not have my correct information. I then contacted XXXX XXXX myself and they said they dont have me in the system for debt collections and they do not use that Company. I need this cleared off my credit. It is not mine.
Product: Student loan

Regarding the complaint ID # XXXX filed yesterday XX/XX/XXXX and received the company 's response with attached documents on same day. 

The borrower reviewed the documents and wonder how they have those information because the name on document XXXX XXXX ' passed away in XX/XX/XXXX however this person 's name was filled on the application with the Federal Student Aid since XXXX when this person existed. I am wondering the documents were done by the PHEAA without the borrower 's consent. 

I have attached document of XXXX XXXX 's death
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus Experian, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXXXXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian refuse to remove an accurate information pertaining to a public record. I went to the furniture of the information obtained a letter stating that the information Is reporting in error and they refuse to remove the information. I would like for them to remove in accurate information immediately per the fair credit reporting act. Attached is the document from the federal courthouse of XXXX Georgia stating that the information is reporting in error.
Product: Checking or savings account

A week ago I made a purchase at XXXX XXXX  and shortly after was contacted and told that the online purchase would be cancelled due to the company not having drivers. The purchase was cancelled and upon cancellation I was told that the deposit will be available either the same day or the next business day. The next business day came and my money was not available so I called my bank Money Network ADP and they explained that my refund will pend for 7 business days or I could call XXXX  XXXX and have them write their company a letter head explaining that they refunded me my money. I called XXXX  XXXX and the XXXX agreed to write a letter, the XXXX was very baffled since the company issued the refund and never had this issue. I called my bank again and was told that they never received a letter head and that I will have to wait 7 business days which would be XX/XX/23 for my refund. Here we are on XX/XX/23 and Im being told that I have to wait once again. I went a week without money to commute and now Im behind on my kids daycare fee!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not sent full file application of things verified accurate and it against the law what their doing they have police report and choosing not to block info .how is it the irs approved and irs form shows credit concept was a borrower and I was lender so how is they get to violate my right and laws so I'm filing a complaint right now and have an on going suit against credit concepts so I will summons experian for the XXXX negative company they refusing to comply with laws .repeating told me rhey are the law have no right to challenge there verification.so I need every rep who handle this investigation to show and tesstify.and for damages I'm pressing charges.this in not right law states accurate you guys gave them a year I'm done with everybody .no help no protection no nothing.i did my part. I am secured creditor so I'm going straight to federal court and let them explain why they violated vthe law and choose to ignore it.just letting you know these credit agency thinks you guys are not a matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

So I seen some hard pulls on my credit and I didnt authorize. Please someone call me at XXXX. My name is XXXX XXXX and I think someone has tried to get credit under my information. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : Balance {$1400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} TRANSUNION : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft.  I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.