23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I made a purchase of about {$5800.00} at Jareds at XXXX XXXX in XXXX Florida. The employee in the store suggested I use the gold card program as it had an 18 month interest and payment deferment. I questioned this program along the lines of can I wait around ten months to pay then pay it all then? and so I can pay at any point, no minimums?. The employee responded in the positive to these questions. This turned out to be untrue as I received a minimum charge the next month. Unaware and unexpected it has affected my credit and caused financial issues. I had another party return to the store to be sure there was no misunderstanding. Again the employee touted an 18 month payment and interest deferment. When questioned on the minimum payments the employee responded along the lines of oh, well I guess its not really a payment deferment. Jareds will not accept a return of the item and comenity bank will not grant an 18 month deferment as discussed. I feel I have become a victim of fraudulent misrepresentation and bait and switch tactics. I would like to resolve this out of court but will take legal action if not.
Product: Credit card

I am a Venture X card holder with a {$390.00} annual fee. I pay this fee and prioritize this card for purchases ( over using cash or debit ) because of the rewards and transfer bonuses with partners that are offered. I have transferred miles many times. I have been offered no recourse to my issue below in accessing my miles that have accrued and have never been late on a payment to them, but they will not help with my rightfully acquired miles. 

I have been trying to transfer my XXXX XXXX to take advantage of a transfer bonus with XXXX XXXX for an additional 30 %. I have found a specific deal with one business class leg for 3 people for my dates of XXXXXXXX XXXX XXXX from Washington to XXXXXXXX XXXX XXXX for approx XXXX miles. I am unable to book it due to an issue with capital one that have no workaround for and have had references to in forums dating back to XXXX XXXX XXXX 

After multiple calls, they have no answer for me other than to wait and see if it fixes itself and refuses to move the miles for me after proper identification. Surely there is some protection that I have spent a lot of money on this credit card with the expectation that I can use the points I have accrued. That was in my terms of the card. 

I will now most likely miss out on this business class deal and possibly the bonus transfer if this isnt sorted. There is no path forward capital one has given me after many calls. 

I would like capital one to arrange for reimbursement in miles for the miss of being able to access my own accrued miles or figure out a business class booking for me to remedy. I would also like immediate access to my miles. 

I will be held accountable for my terms but who will remedy the situation for me on the capital one side for this opportunity that has been lost. 
Here is a forum with many people reporting the same https : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I found out recently that I was the beneficiary of my father 's XXXX XXXX bank account and he past away XX/XX/XXXX and the account was never closed the bank fraudulently allow withdrawals upon until XXXX. I contacted XXXX XXXX in person by phone and by certified mail. Asking for a date of death balance statement. And I have been ignored. I submitted all my necessary paperwork. And the death certificate saying I am next of kin. My request have went unanswered because they were still letting someone withdraw funds from the account.
Product: Checking or savings account

I sent my landlord a rent check for the month of XXXX which was cashed at the end of XXXX but not by my landlord. when I went to my bank branch, they told me that the check was cashed without endorsing and apparently there was no stamp or mark of deposit. however, the funds were withdrawn from my account and the picture of the check was placed on my thread of transactions. I filed a claim with my back in XX/XX/XXXX and to this date all they have been able to tell me is that the check was deposited into an account from XXXX XXXX XXXX but they have yet to give me a credit for my funds which was for {$1700.00}. I had to return to the bank in XXXX, due to the bank missing to have me sign an affidavit that I would have never known if I had not called for a progress check. On XX/XX/XXXX I had to go to the bank because they closed my account without letting me know. I received a call on XX/XX/XXXX informing me of this due to the fraud that happened. Today I called again the back to see what is happening and again was given the run around by the assistant manager which had no information to give me and said would follow up with me after I asked to speak to bank manager about me getting my funds credited to me. I have not been able to pay this rent to my landlord which is now causing me to get evicted from my apartment. I am actually shocked that a big financial institution like TD bank paid out such a big amount without even confirming if the person cashing the check is the payee not even that they paid out the funds on a check that was not even endorsed and can't even give any information when it is my money to begin with which is unfair for me as the client. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests via Mail to Kohls department store letting them know that the information they are reporting on my credit reports are inaccurate and inaccurate on each credit bureau. The information continues to be reported monthly as inaccurate as to the following : High Balance, Last payment made, and date opened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with XXXX XXXX ( XXXX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies : TransUnion XXXX XXXX, XXXX XXXX for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with TransUnion showing {$1400.00}, XXXX showing {$0.00}, and XXXX showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting. 
Missing Information : The " Account Type - Detail '' for XXXX is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information. 
Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), which prohibits misleading information.
Product: Mortgage

My monthly mortgage payment is {$1000.00}. For XXXX 2016, I paid {$1100.00}, an additional {$100.00} to apply to principal. Nationstar applied it to legal fee {$100.00}. When I called them about it, the 1st representative agreed to credit it back to my account. Then I was transferred to another representative who told me that I owe money for bank ruptcy. I do not owe any money for bankruptcy and they have never billed me for any legal fees owed. The problem is whenever I have paid extra money on my mortgage, it gets misapplied and they drum up charges to take my money.
Product: Credit card or prepaid card

Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON,XX/XX/XXXXMy card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANDUNION claim they verified this Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask TRANSUNION to remove this account due undocumented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second report about XXXX bank. They sent us a letter saying we could defer our XXXX payment. 
Since XXXX I paid {$400.00} in XXXX ( late but less than 30 days ) They reported us as being more than 30 days late I paid {$400.00} in XXXX I paid {$400.00} in XXXX They have reported us as paying more than 30 days late in XXXX and XXXX to again ruin my credit. This seems to be an every 6 month or so thing they do trashing my credit and causing me to get denied for loans. 
They also have " Accidentally '' changed our payments from what our contract is {$340.00} a month to {$430.00} so they can screw us out of more interest ( Again ) We are on the 13th year of our 18 year mortgage and so far this year, they have charged us {$470.00} in interest alone when hardly anything should be going to interest, especially since I'm paid a couple of years ahead.
Product: Credit card or prepaid card

On XX/XX/2020, I had gone to a local auto garage to get a " pre-purchase '' inspection on a vehicle I had recently purchased. I looked online and the items that it stated were completed during the inspection were all the things in which I needed to continue a DTPA claim that I had against the individual that originally sold me the car. It stated on the website that it would take around 2 hours to complete. I was notified in 15 min after leaving the car that the inspection was done. None of the outer damage was on the report until I pointed it out and the car hadn't even been lifted. 

So, when I got home, I filed a claim on the transaction that was run as credit on the basis of service/merchandise was not received. I also sent an email to the mechanic 's customer complaints stating my experience and expressing my frustrations. The manager of the location that I went to emailed me back apologizing for my experience. He also confirmed that the inspection wasn't done properly. 

I have sent this email to Moneylion claims dept at least 3 times. I have been denied twice stating that Reg Z doesn't cover if I didn't receive the service/merchandise. However, I didn't do the transaction as a debit, it was done as a signature credit transaction. So if I understand correctly it has to be disputed by Visa process and falls under a different Regulation. When I pointed this out to the claims rep and ask to speak to a supervisor, I was told I would be contacted the next day. That was on XX/XX/XXXX. I have reached out many times through email and the chat line and have yet to receive an answer on the claim. The transaction amount was for {$130.00} to a City Garage.
Product: Debt collection

Portfolio Recovery continues to contact me and my parents from multiple numbers at all times of the day!
Product: Mortgage

Our mortgage was sold to another bank and is now serviced by a company called Select Portfolio Servicing ( SPS - spservicing.com ). SPS charges a fee for each online mortgage payment if payment isn't done via auto-pay, and I'm not certain this is legal. Especially because our last mortgage servicer charged no such fee. We've seen class-action lawsuits against other mortgage servicers for similar fees ( eg. https : XXXX # XXXX ). See attached screenshot describing the fee.
Product: Vehicle loan or lease

I got an update on my saying there were inquiries on my credit report. They look to be car loan inquires. I informed Transunion to remove the unauthorized charges.
Product: Debt collection

Dear CAVALRY PORTFOLIO SVCS DSNB MACYS ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company.

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights. 

15 U.S.C. 1681 section 602.A. 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 a account without my written instructions 15 U.S.C. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
Product: Money transfer, virtual currency, or money service

I have a patent settlement claim that has been fraudulent access for XXXX XXXX dollars. The case number is XXXX thank you.
Product: Debt collection

Request for Removal of XXXXXXXX XXXX Account from Credit Report
Product: Credit reporting

I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports.
Product: Mortgage

My mortgage was sold to XXXX/LoanCare. My hazard insurance provider billed me/them {$1700.00} on XX/XX/XXXX. They paid only {$580.00}. I am now getting insurance cancellation threats from XXXX XXXX XXXX. 

I don't like my loans being sold.We were happy with XXXX. 

What protects people with mortgages from having to deal with companies they did not select?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

On XX/XX/2022 I applied for the HAF program through XXXX XXXX XXXX XXXX. I was approved and they sent to my servicer, Shellpoint! I have continuously asked about this! The file # XXXX is my identifier through XXXXXXXX XXXX XXXX 

Shellpoint claims they dont have it! 
I am in foreclosure as of XX/XX/2022. I answered the complaint. 

I am attaching the email from XXXX XXXX XXXX, my application and the verification from the processor. 

I got the offer on the trial modification..Im trying to figure out if someone was struggling with {$730.00} payment why would my modification be {$1300.00}? Do they want people to fail? 

Applying the HAF will help lower the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted in XX/XX/2017 due to failure to prove it was my debt. Now it's reinserted on my credit report.
Product: Debt collection

On XX/XX/XXXX, I sent a notice to rescind to Concord Servicing Corporation along with an affidavit of fact to which they have not responded. I submitted an application to them extending my credit for personal, family, and household use on or about XX/XX/XXXX. I discovered they used my application information to obtain monetary advances through pooling pursuant to 17 CFR 229.1101 ( c ) ( 1 ). They did not provide me with proper disclosures or notices which is a violation of the Truth In Lending Act. In addition to this, they also changed my address on this loan. They have been very deceptive with their criminal behavior and have caused me significant harm. Since they failed to respond to my notice to rescind and my affidavit, I am submitting this complaint. I have attached a copy of the documentation I submitted to them which details their criminal behavior for your review. Thank You!
Product: Checking or savings account

I opened an account with CitizensBank using their landing page https : XXXX with offer code XXXX It clearly states I am entitled to a bonus of XXXX + XXXX after meeting requirements. Which in my case, has been clearly met. They also say the bonus will be posted after 90-145 days. This has also been met. 

I have contacted their customer service various times and was given boilerplate answers and they seem to be dodging the bonus pay out. I would request an official answer and a pay out of the bonus.
Product: Credit reporting

I received a tax lien XXXX/XXXX/2011 against my credit. I proceeded to make payment and requested the IRS withdrawal the lien based on meeting at least XXXX of the criteria IRS Section XXXX ( XXXX ) which the IRS granted me a complete withdrawal on XXXX XXXX 2011. I proceeded to contest the XXXX bureaus with the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX document of which XXXX and XXXX deleted the derogatory public information Tax Lien. Equifax however refuses to delete the derogatory public information tax lien. They contest that is has been " Released '' however I contest that it should be completely " Withdrawn. '' I have recorded the withdrawal against my primary residence at that time XXXX XXXX XXXX XXXX XXXX Colorado XXXX. I have contested this on several occasions and Equifax continually refuses to delete this derogatory public record. I feel they are incorrect and this should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}