23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a payment of {$1800.00} was paid to XXXX XXXX that would satisfy my obligation to a debt as agreedXXXX XXXXXXXX has not updated the Credit Reporting Agencies that my balance is XXXX. I filed a dispute with Credit Reporting Agencies, however, XXXX XXXX declined to acknowledge the balance was XXXX. On or about XX/XX/year> I called the XXXX XXXX XXXX  with XXXX XXXX  at XXXX. I spoke with a representative who insisted my balance was XXXX and my account would be escalated to management to be cleared up in a few days. The account did not get updated as promised so I filed a dispute with the credit bureaus on XX/XX/year>. On XX/XX/year> the credit bureaus reported that XXXX XXXX had failed to update the information. The lack of follow-through with XXXX XXXX  has negatively affected my credit and caused me to be declined by other lenders.
Product: Credit card or prepaid card

I received a letter dated XX/XX/21 from Citi indicating that my account was inactive and {$0.00} balance so they had to close my account. 
I did however have a Dividend Dollar balance of {$83.00}. 
On XX/XX/21 I called Citi to see if I could at least get that money back. I was passed to a manager named XXXX who told me that my account was closed and that there was nothing he could do. 
I attempted to use their automated phone system to get a check of my Dividend dollar which their system indicated was a balance of {$76.00}. The phone system indicated that it would take 7 to 10 business days for me to receive my check, but nothing was received. When I used the phone system again on XX/XX/21 - the balance was the same - so I requested a check again - but i'm sure the results will be the same.
Product: Credit card or prepaid card

On XX/XX/2018 I spoke with a Lowes customer service rep about not seeing a payment I had made and wanted to know when it was due. I was told the payment had been credited and my next payment was not due until XX/XX/2018. I was checking on XXXX XXXX and it stated that my Lowes card had been close. They checked my credit again without my permission and closed my account based on that. Do I have any recourse as I have never been late had the card almost a year and it will effect my credit score.
Product: Mortgage

I have a HELOC with US Bank. I refinanced with a different bank and a payoff check was sent to US Bank and received by them on Friday morning, XX/XX/XXXX. I called them the following week and was told to call back on XX/XX/XXXX. I was told at that time if they haven't loaded in my payoff that I could place a search for the payment. On XX/XX/XXXX they refused to trace the payment and was told it would take 10 business days from XX/XX/XXXX, which would bring me to XX/XX/XXXX... that I should call back then. In the meantime, the monthly mtg payment is due on XX/XX/XXXX and I advised them that I would not be paying it since they have a payoff check. In fact the payoff from the current bank overpaid my loan by {$510.00} which is due to come back to me. I was then told that I needed to make that payment for XX/XX/XXXX. I told them that it was rediculous to owe me money and expect me to make another payment on this loan since SOMEWHERE there is a payoff check sent to them and received ( XXXX confirmation and person who signed for it ) but they are insisting that if it isn't in their system, I would be charged late fees. 

What I am most afraid of is that I wait till XXXX XXXX to call them and it still is nowhere to be found and then at that late date, they put a tracer on it ... and it goes into XXXX and now I have to make two mortgage payments, not one. One to a bank that was already paid off and the other to the new bank. I CAN NOT AFFORD two mortgage payments.

I am upset that they don't feel one week is enough time for them to start the tracer now. If it hasn't been entered yet, how do I even know it will be? 

Anything you can do to help me is greatly appreciated. The customer service people I spoke with at US Bank refuse to give me to a supervisor above them that could help and would not bother to check with the loan department to see where the check could be. They wouldn't even notate my account that a loan payment was sent so that I am not responsible for any further payments until they find the check. It's just rediculous talking to them.
Product: Debt collection

In less than a 24 hour period I have received three separate phone calls from XXXX XXXX XXXX. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of  my social. When I called back to find out who was calling, I was threatened with a lawyer. XXXX then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need XXXX to cease contacting my former relatives ( ex-brother-in-law. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX
Product: Vehicle loan or lease

My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.
Product: Debt collection

I was XXXX  for acct XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX  in XX/XX/year>. I finished the garnishment So now Im being XXXX  for the same XXXX by XXXX & XXXX XXXX XXXX amount of XXXX plus XXXX dollar court cost. It is hard to get in touch with a human voice when you call and all you can do is leave a message and hope they will return your call I have no one to help me in my current situation I just need to get this resolved fast its about to be XXXX paychecks they have gotten their 25 % its really taking a toll on me and my family being Im the only source of income. This has got to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor reported my account late 1x 30 days late and it has never been late. I applied for auto pay online, but there was a problem with their system, and the payment was never credited properly, when they brought it to my attention I paid it immediately. It was not my fault. I called the creditor and they said they would investigate and remove the 30 days late payment using their XXXX XXXX. This late payment is preventing me from getting a loan which I need to save my business. I am never late and I always auto-pay my bills.
Product: Mortgage

Notified XX/XX/2020 by Ameris Bank that our account was delinquent. We responded that payment was sent and check was cashed by the bank and was not late. We sent he information verifying the check had been cashed by Ameris. We continued to recieve delinquent notices and our account was handed over the the collections department and our credit score negatively impacted.
Product: Credit reporting

equifax reports XXXX XXXX XXXX # XXXX WITH A FALSE DOFD. 
THE CORRECT DOFD IS XX/XX/XXXX.XXXX BUREAUS HAVE A DIFFERENT FALSE DOFD AND RADICALLY DIFFERENT PAYMENT HISTORIES YET ALL HAVE BEEN RECENTLY " VERIFIED '' .WITH THE CORRECT DOFD TD BANK COULD BE REMOVED FROM MY REPORT NOW.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with a balance of {$78.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
Product: Mortgage

On XXXX I engaged with Citizens in a program that changes payment structure. 
Instead of paying once a month, I started paying every two weeks. My monthly bills do not reflect the new payment structure, nor does the web portal. The most disconcerting is that the amortization schedule reflects the old monthly payments, and says the loan will not be paid until XXXX. It should be 3 years earlier than that. Call center is offshore with no option to speak to someone in the US. They barely understand the English language. They said they could not provide an amortization schedule. I asked to speak with a supervisor and sat on hold for 30 minutes ( 2X ) and finally gave up. I went to a branch and pretty much got laughed at. They said they had nothing to do with the mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My student loans were transferred to the Dept. of Education, but Equifax is still reporting the accounts in Chargeoff with the balances.
Product: Mortgage

XX/XX/2021 Better Mortgage 3+ hours of being on hold with ZERO assistance. Nothing like dropping the ball the day prior to someone trying to close on their home. Better sends me a Closing total of XXXX and then XXXX for closing on a XXXX home. LOL. So I tell them it's wrong once and they actually increase it by XXXX additional!! Trying to get on the phone with the people that can assist you is NEAR IMPOSSIBLE! They are ALWAYS out of office or " Out to Lunch '' .. Yeah okay... 

No one is able to help me, I would never recommend this company. 

My closing cost should only be XXXX, not XXXX... I'm not sure what they are doing over there but they don't deserve any customers. They are apparently terrible at math and also terrible at communication.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Hey, GLOBAL LENDING SERVICES I'm reaching out regarding a clear breach concerning the unauthorized reporting of information to my credit report, as validated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code Sections 392.301 and 392.305, and identity fraud laws, notably Texas Penal Code Section 32.51 . 

It's been brought to my attention that GLOBAL LENDING SERVICES has proceeded with unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a non-negotiable prerequisite for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, stresses the need for consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code lays out precise guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I haven't provided consent for GLOBAL LENDING SERVICES to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and demonstrating a clear disregard for federal and state laws. 

I demand, with unwavering certainty, that GLOBAL LENDING SERVICES immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I want to emphasize that obtaining consent isn't a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't up for negotiation ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I look forward to your immediate attention to this matter and trust that GLOBAL LENDING SERVICES will swiftly address these egregious violations, honoring my rights under federal and state laws.
Product: Debt collection

Wakefield and associates is listing an account on my credit reports. I disputed the debt. The creditor and/or credit reporting agency stated the account meets FCRA requirements XXXX 

However, this collection agency has failed to meet FCRA requirements. Im asking that the collection agency provide me with the original contract, payment history, and proof of ownership of this debt. I have never heard of Wakefield and associates. I have no contract to do business with them at all. 
I have been denied housing. This account is harming my ability to secure suitable housing for my family at this time.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check which I failed to read payee info, and presumed was made out to myself and the additional person on my insurance policy for a claim. On XX/XX/XXXX I attempted to use my debit card multiple times, called Citibank to ask what my balance was they stated it was positive tried to utilize card again. Finally called for the second time during a short period of time and was told my account had a fraud alert hold on it. I was never notified, not via text, email, phone call, nothing! I went down to the branch as advised by customer service or whoever was in the fraud department. Branch said they couldnt do anything they had to call fraud, which he did I provided more documentation than they needed and supporting documents as well only to be told NOPE sorry. I called my insurance company to notify them of the situation and placed a stop payment on the check so that they could reissue a check made only in my name since Im the only registered owner of that vehicle. Received a phone call today XX/XX/XXXX from my insurance company that Citibank has already cashed the check and theyre unable to reissue payment. I called Citibank, they said I had to go down to the branch Im not PLAYING that game again. The fraud department has already called my insurance to verify that this is in fact a LEGITIMATE check and its mine yet theyre withholding funds. I had someone from fraud state they would hold my account indefinitely and not close it, to which I asked about legality and they said it was legal for them to do! I cant get my insurance to reissue payment because this check Citibank has in face already cashed, and they wont let my account out of fraud alert because XXXX only knows why! I already went down to the branch, youve already called my insurance company and theyve in fact stated this check was FOR ME! What is the problem?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear Experian, My name is XXXX XXXXXXXX XXXX . I am writing to dispute and request the removal of incorrect personal information listed on my credit report. There may be other individuals with a name the same as or similar to mine, or creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses as they are not correct historical data.

The following personal information is incorrect and should be removed 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 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 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 XXXXXXXX Please investigate these matters and correct the disputed items as soon as possible. I appreciate your prompt attention to this issue and look forward to your response confirming the removal of the incorrect information. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of credit report with disputed items highlighted Supporting documents ( if applicable )
Product: Credit reporting or other personal consumer reports

on XX/XX/year> TD Auto Finance has unlawfully placed an unauthorized inquiry on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Product: Debt collection

Phoenix Financial Services is claiming that they are collecting debt in the amount of {$2800.00} for XXXX XXXX XXXX. They claim that the original creditor is XXXX XXXX XXXX and that I incurred this debt on XX/XX/year>. I have never heard of XXXX XXXX XXXX and after some research, I have learned that this company offers medical transportation services such as ambulance or medical helicopter services. Not I nor any member of my family has ever ridden in an ambulance or medical helicopter. Additionally, neither myself or any member of my family had any medical incident of any degree at the date of service. I have been contacted via mail by Phoenix Financial Services at least XXXX times over the last year for this same debt. I am nervous about the legitimacy of this company and why they are seeking money from me for a debt that I never incurred.
Product: Debt collection

Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.