23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had this credit card with AAA for many years. I was informed that the credit card company switched from XXXX XXXX XXXXXXXX to Comenity. I noticed on my last bill from them ( I get paper statements in the mail ) that " XXXX  total year to date. Total fees charged in XXXX - {$50.00} '' Didn't understand. I pay all my bills on time and in full. I called Comenity and spoke to a representative. He explained that the date I choose to pay the bill, on that date, XXXX ( my bank ) sends a paper check to Comenity which get to them about XXXX days later. So if the bill is due XX/XX/XXXX, and I arrange to pay the bill through my bank on XX/XX/XXXX, and I arrange that payment the end of XXXX, on XX/XX/XXXX, XXXX sends out a paper check to Comenity. So the payment arrives late, after the XX/XX/XXXX due date. 
I was amazed that in this digital age, paper checks are sent from a bank to credit card. 
I called XXXX and they said that the payment should be received on XX/XX/XXXX, as in my example above. 
I looked at the payment activity on XXXX and saw that all the payments I make to companies are executed " XXXX or XXXX business day electronically. '' But Comenity 's bill says on my XXXX account " XXXX Business Days paper check ''. 
Comenity did give me a credit of {$25.00} from the {$50.00} fees. That {$50.00} fee is not on the front page of the bill, BTW, but on page XXXX. Other people might not notice it. 
I XXXX  complaints from Comenity and there are lots of people making complaints. 
Also, I got an email saying that my payment is due soon for AAA Travel Advantage Visa Signature card ( the full name of the CC ). No where on the email does it say that they are sent a paper check that takes time to get that check. 
They shouldn't be allowed to deceive the public. If you need more information, please let me know. 
In all fairness, I didn't see the actual fees $ XXXX {$25.00} added on to my bill. Is the company actually charging those fees? I would have to add up each month 's statements to determine that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the XXXX, the information is to be deleted and expunged from the consumer credit report within XXXX calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.
Product: Debt collection

I have been the victim of identity theft. I have tried numerous times to get this Collection from XXXX XXXX XXXX removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from Genesis FS Card Services/Indigo Mastercard which I have attached here indicating that I am not liable for this debt. XXXX insists that it is a different account number. I contacted Genesis, they advised me that it is in fact the same account and that they requested a buy back from XXXX of XX/XX/2023 and XXXX has not responded. I have been a victim of a crime and XXXX XXXX refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.
Product: Student loan

ccount Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type EDUCATION_LOAN Original Creditor Name Months Reviewed 3 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 25 MONTHS Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit High Credit {$870.00} Available Credit Account Dates Date Opened XXXX XXXX XXXX Date Reported XX/XX/XXXX Date of Last Activity XXXX XXXX Date of First Delinquency Comments and Contact For questions regarding this account please contact : SALLIE MAE XXXX XXXX XXXX XXXX, PA XXXX XXXX am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you
Product: Money transfer, virtual currency, or money service

I am was involved in a fraud/ scam with XXXX through my bank, which is Bank of America XXXX XXXX XXXX sent out a notification from a Bank of America number saying funds were sent and if not authorized please reply with yes or no, as a bank usual sends when using XXXX request or receives funds. Then used my phone number to give confirmation codes which the bank does to verify who I am, all coming from a Bank of America number which was directed as if it was coming from Bank of America. XXXX XXXX then transferred {$3500.00} using the codes he was sending pretending to be Bank of America to himself. This was reported to Bank of America, and I was physically at the bank the next day to help start an investigation. They denied my claim because XXXX XXXX is with XXXX XXXX and XXXX XXXX is denying the money he unauthorizedly sent and XXXX XXXX unauthorized received and sent to him. This has been going on since XX/XX/XXXX, and I have been escalating in every possible way. I was scammed and my money was fraudulently given without my consent. This person has multiple accounts of unauthorized amounts from other clients. I have made a police report and have all the pictures and documents from the occurrence. I still have been denied my authorized money and I want my money to be sent back to me. I can not go to small court to dispute because I do not have the money to do so, I just had a significant amount taken from me. This is a bank issue, that I have been with since XXXX, and needs my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX  in XXXX XXXX during these accounts. The CRA XXXX, XXXX, TRANSUNION has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on Transunion and on XXXX and XXXX showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX Transunion, XXXX and on XXXX showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed immediately
Product: Debt collection

This company keeps calling repeatedly. I don't want to be called. Especially when it's debt that I know has been discharged.
Product: Mortgage

I/we have been in an adjustable rate mortgage 5/1arm since XX/XX/XXXX at an initial rate of XXXX  fixed for five years tied to the LIBOR rate and indexed at XXXX plus the LIBOR rate in XX/XX/XXXX of each year since XX/XX/XXXX. New payments start in XX/XX/XXXXof each year. Each time the rate resets the principle reduction decreases and the amount of interest to Ditech increases. This has been going on sinceXX/XX/XXXXwhere the amount going to principle actually goes down see the attached. This is incorrect. The loan is not new each year and should not be treated as such where a new loan inception takes relatively little principle off.

I have had the State AG office look into this but I don't believe they understand the math well enough to solve the issue.
Product: Credit card

I use my Ally checking account to pay my CITI card electronically ( in full ), with the payment due on XX/XX/year> scheduled for payment on XX/XX/year>. CITI emailed on XX/XX/year> indicating that a check ( not an electronic transfer ) was received and credited on the XX/XX/year>. This registered as a late payment & activated interest fees, as well as potentially compromising my high credit score. It made no sense that the funds weren't transferred electronically, because electronic transfers on the XXXX of the month have been working smoothly for years. 

When I called XXXX bank ( my checking account ) on XX/XX/year>, they said CITI changed its relationship with XXXX ( the payment processing company ) effective XX/XX/year>, so all payments > {$5000.00} are processed as mailed checks instead of electronic transfer. XXXX arranged for the check to arrive at CITI by XX/XX/year>, but they have no control or visibility until CITI cashes the check. 

After calling XXXX, I spoke to CITI on XX/XX/year> and they agreed to " suppress '' the late fee and interest. They didn't take any ownership of the issue, nor did they assure me this wouldn't happen again. 

( As an aside, I learned my daughter had a similar problem with her payment. Her first call was to CITI and they implied it was her bank 's fault. To avoid late fees, my daughter ended up paying the bill twice ( ~ $ XXXX in total ), with CITI agreeing to return the " late funds '' once the check arrived. )
Product: Credit reporting or other personal consumer reports

I have been diligently trying to get my account corrected for the past 10 years I have been identity theft victim and experian, XXXX and XXXX has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right
Product: Mortgage

When Covid started I lost my second job. Wells Fargo called me and offered me a program they had. I didnt have to make payments for over a year with no late fees or credit damage. When the period was up they offered me a Covid modification plan. My payments even went down. There was a trail period for 3 months and I had no issues. They said they were getting the paperwork together. I called onece a month to make payments for over a year. Asked what was going on, they told me they had all my paperwork they needed. I made the payments on the first every month for the amount they said. They then said I didnt send paperwork needed and I lost out in the program. My mortgage specialist doesnt work there anymore. They gave me a new one but also sent paper saying they sold my mortgage. I made my last payment with them in XX/XX/XXXX and they sold me in the XXXX. XXXX XXXX payment was to be made to new company. I still dont have paperwork from them. I called and thats how I found out I have to reapply for a mortgage or modification. Im not even sure what It is. I read my WF statements and noticed they have been charging me late fees this entire time even though I was not late. The new company told me today that my payments will be XXXX more a month IF Im even approved. It is at a way higher interest rate also. I did absolutely everything WF asked of me. They wont return my calls and keep dismissing and dropping my claims/complaints. I called every month and they said they have everything they need from me. I asked them to review the calls bc they are recorded and they still havent gotten back to me. The new company said I may have to pay XXXX up front. I have XXXX in equity in my home and thought WF was tacking the rest onto the end of the loan. They really hurt me and I do not know what to do. I just happened to see this article and thought someone may be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.
Product: Debt collection

Portfolio Recovery has stated that I had an account XXXX. I believe that this account has been fraudulently opened using my personal information without my consent. I have never had any dealings with this company. I disputed the charges due to this not being my account and the company stated that this account belongs to me. I haven't signed any documents from/for this company. I have not opened an account with XXXX XXXX The company states that I owe {$3200.00}.
Product: Student loan

I read online today that Navient is being sued, and I believe I have been effected in years past. Navient recently transferred my loans to a different provider but for years I had my loans in deferment instead of income based payments. How do I include myself as a victim of the alleged deceptive practices? I graduated from XXXX college in 1998 and still have XXXX to repay. 20 years out of school and still not making enough to pay the interest on these loans.
Product: Credit card

I am writing to address an error in my account that has caused me significant distress. Despite consistently making timely payments, there appears to be an incorrect late payment entry. This discrepancy has greatly impacted my mental well-being, leading to sleepless nights and heightened stress. 

I kindly request an immediate correction to my account to rectify this error. I hope you understand the urgency of this situation and can resolve it promptly. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I've been trying to validate with Transunion the Public record XXXX XXXX that posted in my credit report. Ive made several calls to Transunion, filled complaints through this portal, also sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Transunion obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court XXXX XXXX and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Transunion is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Transunion is acting discriminatory against me, although Im an American citizen that lives in XXXX XXXX instead of living in the states. Because of that Im planning to fill a lawsuit against Transunion for violating the FCRA 611 ( a ) ( 7 ) .To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> i applied for business credit for my small business and was denied because of my financial status and my credit profile. TILA, ECOA, The Federal Reserve Act, FTC, OCC, FDIC, and CFPB all are regulatory bodies of all banks and financial institutions. 
bank Of America discriminated against me because i did not have credit that is up to their standards of granting me my own credit, and discriminated me because the information i provided to them is that i am not a minor and that i have the capacity to contract. 
I have ask them to return my application and they refused, they stated they have not securitized it so therefore it has been discarded. I have checked my credit file and saw that they have inquired and now i have not benefited from them securitizing my application, this is deemed securities fraud.

These banks take consumers social security numbers and our signature to enrich themselves and we the consumers does not get any benefit.
Product: Money transfer, virtual currency, or money service

I use WISE for international transfers. I was instructed by Wise to send a wire transfer from my XXXX XXXX  account in XXXX XXXX TO their XXXX XXXX XXXX account in New York. This was to transfer an amount of {$30000.00} USD. I need this money to be transferred to my USA Wise in order to pay some bills in the USA ( ie. credit cards ). 

The transfer was successfully sent and received by Wise with XXXX XXXX in New York. I have the transfer record. 

However, Wise claims that I DID not have the correct information in my transfer ( missing my account # ), therefore the amount sent was refunded back to the sender. I called XXXX XXXX XXXX to investigate and they requested a XXXX  receipt OR any receipt that the amount was refunded. I reached out to Wise, and they are not able to provide any proof on their end of where the funds went. 

Wise then proceeded to ask that I provided a receipt of the transfer from my bank -- which I complied with a sent receipt from XXXX. They also asked for proof in the form of a bank statement from my XXXX that the funds were never returned -- which I promptly provided to Wise as well. 

It's been almost a month since I sent the payment to Wise ( XX/XX/year> ) and after phone calls every other day -- Wise is yet to refund me. They keep insisting that the money was refunded but refuse to provide any proof of it.
Product: Mortgage

Mr Cooper took over my Mortgage and has never paid my Homeowners insurance on time. In fact, the only payment they have made only came after my insurance expired or after my repeated calling and requesting that they pay the insurance premium. For the 3rd year in a row my insurance is unpaid and will expire in a couple weeks. Last year I paid the premium myself while still making my escrow payments.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX 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 TransUnion 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5100.00} under account # ( XXXX ) that appears related to the aforementioned Auto loan account opened at XXXX XXXX. 

Debt XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1700.00} under account # ( XXXX ) A Hard Inquiry XXXX XXXX XXXXXXXX ON XX/XX/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 card or prepaid card

Hi! Barclays is offering a credit card through JetBlue. The promotion appears while attempting to book a ticket on the website. The offer is for points and a credit towards the flight if approved.

However, the credit is not towards the flight. It is for a theoretical purchase using the Barclays card within 90 days of receiving a mailed credit card, after the fact. There is no credit towards the flight one is trying to book in that moment.

I wish I had taken a screenshot of the offer, but I didnt. It very clearly indicates using the price of the ticket one is trying to book that if you get a new JetBlue Barclays card you get to apply a credit and get points.

I contacted JetBlue and they acted like nothing was wrong and I was missing the point.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I was contacted by check into cash advising that I had outstanding loan that had not been paid I advised that I did not have a loan and I am in the process of disputing the loan. I have retained an attorney who is representing me and I sent two certified letters to the company. I have proof they received both letters and they have continued to call me.
Product: Mortgage

Shellpoint Mortgage Servicing continues to service the mortgage account in error. On XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$690.00}. The payment was sent to Shellpoint on XX/XX/2021, in the amount of {$840.00}. An overpayment of {$140.00}. What did Shellpoint do with this money? 

XX/XX/2021, Shellpoint Mortgage Statement showed the amount due {$1200.00}, adding fees, of {$150.00} and Past Unpaid Amount of {$260.00}, with no explanation. The regular payment amount is {$840.00}, I sent two payments to Shellpoint on XX/XX/2021, one for {$860.00} and the other for {$850.00}, accidentally. Total payment to Shellpoint for XX/XX/2021, for {$1700.00}. What is the explanation for the fees and past unpaid amounts totaling {$410.00}? 

For XX/XX/2021, the Shellpoint Mortgage Statement showed the amount due {$420.00}. It appeared Shellpoint credited both payments leaving a balance for the next month of {$420.00}. I sent a payment to Shellpoint on XX/XX/2021, for {$440.00}. An overpayment of {$19.00}. What did Shellpoint do with this overpayment money? 

As of XX/XX/2021, the Shellpoint Mortgage Statement shows the amount due of {$1200.00}. They state a past unpaid amount of {$420.00}, which is a loan servicing error. My bank records are clear and prove payments for each mortgage month were either paid in full or overpayment.