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

I have a Fortiva credit card and I noticed that on XX/XX/XXXX and XX/XX/XXXX I was charge by XXXX   {$180.00}. I didn't notice the charge until my XXXX statement and on XX/XX/XXXX I call Fortiva to complain about the charge on my cardthak I did not make. They explained to me the would send me a complaint form out asap and once they received that then they could move forward with my complaint. I asked is there anyway to go online to their site to make this happen faster and was told its only by regular mail. I had no choice but to wait for the mail to command since my complaint to Fortiva Credit Card Services they have sent me a new credit card because the old was tainted as they said and I have also received my XXXX statement. I decided to call Fortiva Card services on XX/XX/XXXX and ask where the complaint form was and the gentleman on the phone said I should have seen it and he is going to send me a new one asap for me to file my complaint. XX/XX/XXXX still No complaint form so I call Fortiva card services again and this time I ask for a manager and I was told mangers don't talk to people on phones. So I asked are you located in the Staes or over seas he says he is from XXXX   and I asked again for a manager and he says again our managers Do Not talk to people I will get a supervisor so I agree but before transferring me he tells me the person I spoke to on the XXXX of XXXX can't mail you a 2nd complaint form you only get one by mail then he offers me to have a form emailed to me. I asked is this something that has always been available and he said yes email or regular mail and I asked why that wasn't offered when I asked on the XXXX and the XXXX of XXXX and he had no answer. I finally got the supervisor on the phone and asked is your office located in the states and she said No we are off shore so I asked again to be transferred to the states to speak to someone. She then said to me we Do Not transfer people to the Staes we can't. I have been trying to get this fraudulent charge off my card with Fortiva for 3 weeks now and I am NO further then I was on XX/XX/XXXX. This is getting very frustrating that they do NOTHING for their card holders. I just want my {$180.00} plus all interest charged to me back on my card and my credit card company Fortiva has done Nothing but lie to me and give me a run around. This scam that XXXX has going on is all over the internet with A LOT of people complaining to their credit card companies and they are getting results like paying back the persons card and dealing with getting the money back on their own not making their card holder wait " the proper way of doing things ''. 
Thank you for you time
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXX A XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX WY XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} NAVIENT XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 card

I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. 

I paid {$140.00} on XXXX XXXX, 2016 to Capital One. This payment included {$68.00} to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on XXXX XXXX ). The additional {$76.00} was supposed to pay off a {$75.00} balance that was carrying an interest APR of 25.15 %. 

Unfortunately, the next billing cycle ( minimum payment due on XXXX XXXX ) showed that I was still carrying a balance of {$42.00} at the 25.15 % interest rate. 

I would appreciate if you department would look into this. According to the FAQ on the back of the Capital One billing statement, it states the following : How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting inquiries for unknown accounts : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I was contacted by Navient to complete a payment plan after I graduated from XXXX XXXX back in XXXX  I have all of the documents and payments that they said I will be paying. An entire payment plan was set up for me. I did feel stressed about being able to pay back my student loans hence why I signed up with Navient. Navient then, seemed to turn me over to XXXX XXXX which was another company to help with my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with America First. Back in XXXX of this year I contacted them regarding an insurance waiver due to the vehicle no longer in working order. They agreed to waive collateral for 6 months, through XX/XX/XXXX. I have a document signed by both of us. They then started sending me letters I believe in XXXX letting me know I needed full coverage. When I called them twice on this matter, I was informed it was only a system glitch and it was being fixed. 
I also was in the process of completing a salvage bid and in XXXX, that finally took place. I have emails from XXXX XXXX department advising once the vehicle is picked up by the salvage yard, I can cancel insurance. Which I did. On XX/XX/XXXX I signed a document from the bank that states my future payments are {$410.00} effective XX/XX/28. America First then added onto my balance {$160.00} more totaling {$580.00} a month from the " lack of insurance '' they erroneously were stating. Therefore, my {$410.00} payment for XXXX was recognized as insufficient and I was subsequently reported 30 days past due to the credit bureaus. This has dropped my score significantly and America First offers nothing other than an apology. This is against federal regulations to do what they're doing and can easily let to a lawsuit.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card

I was issued a Yard Card by TD Bank when I financed a snow blower. Have been trying to close the account now that it is paid in full. Only one number to call and hold times exceeding 90 minutes and still no answer. Many complaints online saying the same thing.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

After a second dispute with Equifax, I received results and found that they duplicated a collection for XXXX XXXX XXXX. in the amount of {$4100.00}. I sent a third dispute in via USPS on XX/XX/XXXX and indicated that there were now two entries with that same collection agency with some conflicting information and both need deleted for inaccurate information. They did delete one of them, but then, on the results I received from Equifax, they removed the duplicate XXXX XXXX XXXX. account, but now they duplicated XXXX XXXX. Services in the amount of {$1300.00}. Again, the XXXX XXXX. had conflicting information, with one showing opened on XX/XX/XXXX and the other on XX/XX/XXXX. Both had exact same account number. I called Equifax and spoke to a rep on XX/XX/XXXX about this. He opened up a new dispute and when I received those results on XX/XX/XXXX, it still showed both XXXX XXXX. collections were on and now I noticed they removed my current mortgage that was never disputed! I called XX/XX/XXXX to question why there are still two XXXX XXXX. collections despite me doing a phone dispute on XX/XX/XXXX, and he said the one XXXX XXXX. dated XX/XX/XXXX was still in review, but gave me the " closed '' conf # XXXX. I mentioned my current mortgage with XXXX XXXX XXXX was now missing off this XX/XX/XXXX credit report/dispute I received in the mail and he " claimed '' that the mortgage company would be the one that would have taken off. I called mortgage company and they said they have multiple customers that had same situation and they did not remove it. I simply can not trust Equifax. My mortgage " reappeared '' a few days ago, but the XXXX XXXX. is still showing twice and I want this removed ASAP!!!
Product: Debt collection

This debt originated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX, XXXX, XXXX, and they have either hired to collect or sold the debt to Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX. 

I signed a three month lease starting on XX/XX/2019 through XX/XX/2019 at XXXX  XXXX XXXX  XXXX XXXX. Upon finishing my lease term, and having paid all deposits and rents due on time, XXXX XXXX XXXX   XXXX XXXX notified me indicating that per the lease, I owed them additional months rent. However, upon closely reviewing the lease and having my attorney also review the lease, we firmly believe we met our full obligations and did not owe any additional money. My attorney sent a letter ( attached ) to XXXX XXXX XXXX  XXXX XXXX stating our case, requesting they remove the bad debt from my credit report and provide me a refund of the deposit, and requested a response within 30 days. XXXX XXXX XXXX  XXXX XXXX failed to respond.
Product: Mortgage

Please help us : We have a Home Mortgage with Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Texas XXXX. XXXX # XXXX. Since XXXX XXXX XXXX sold our loan to this company, we have never received the regular coupon for payment and every single month I have to go to our bank and make the payment On Time via a Wire Transfer ( {$35.00} ). I have spoken with a representative that told me that the issue was going to be resolved but now is already 4 months having to submit the monthly pay using a wire transfer. Plus, they keep sending us threatening letters saying that the account was not paid. Please, let them know to send the communication of Payment Received every month and to send the current payment coupon for normal payment. Trying to make payment online within their website is impossible because there is no option to do so. 
We thank you very much, XXXX XXXX and wife XXXX XXXX. Property address is XXXX XXXX XXXX, XXXX - MA XXXX and our correspondence address is XXXX XXXX XXXX, XXXX XXXX - Florida XXXX. Appreciate your effort into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. XXXX and XXXX have removed XXXX XXXX from my credit report but Trans Union is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
Product: Mortgage

I have a mortage with XXXX ( originated via XXXX XXXX XXXX in XX/XX/2021. My loan was for $ XXXX. I put 5 % down on the loan, requiring PMI. 

I have since paid the mortage down to 79 % of the loan, with a remaining balance of $ XXXX. They refuse to remove the PMI. I read that by law it has to be removed when paid down to 78 % of the loan. They said they will not remove the PMI until my loan balance drops to $ XXXX, which is 63.84 % of the balance. 

This is against the law. Please help me. 

Mortgage : LakeView Loan Servicing LLC XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX
Product: Debt collection

I checked my credit and saw a medical bill from CHOICE RECOVERY for XXXX XXXX XXXX  totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by CHOICE RECOVERY or XXXX XXXX XXXX
Product: Mortgage

What is this complaint about? 
I'm getting a refinance with GuaranteedRate. 
What type of problem are you having? 
They sent me an email saying " Your refinance loan is Clear to Close, meaning the Underwriter has signed-off on all documents and has issued a final approval '' What happened? 
I began the refinance process on XX/XX/2019. I contacted GaranteedRate and was in touch with XXXX XXXX, Mortgage Specialist XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX. I have been going through the whole process and signed the loan commitment papers. my Closing date was suppose to be XX/XX/XXXX. XXXX also mentioned that he had to go out of town, because of a family emergency. On XX/XX/XXXX XXXX sent me an email saying I was clear to close. The following week ( XX/XX/2019 ) I called numerous times and sent text and my call was never returned. I continued to call and when I didn't get an answer, on XX/XX/XXXX I called XXXX XXXX, Loan Coordinator, XXXX O : ( XXXX ) XXXX -she said she would try to get in touch with XXXX and have him call me back. Two days later XXXX  called to tell me that the program that I was approve for was suppose to be discontinued on XX/XX/2019 but he was informed that it was already stopped. Which doesn't make sense, if it was why was I given the clear to close? Finally on XX/XX/XXXX XXXX sent me a text saying " Hey XXXX, I just tried to give you a call. We just got the word from upper management that we will be denying your loan due to program unavailability. Your credit card has been refunded as well today. I'm sorry I was not able to get this done for you. '' What can I do about this whole situation it seems to me that they drop that they dropped the ball on this loan, and now I have to start the process all over again.
Product: Credit card or prepaid card

On, XX/XX/XXXX, I received a letter from U.S. Bank stating I had an outstanding balance for a secured XXXX line of XXXX in the amount of {$150.00}, of which {$30.00} was past due. This secured XXXX account was closed three months ago per my recorded conversation with the bank. The bank proceeded to tell me that there was an {$800.00} credit on my account and that the check is being sent in the mail, and that the account was clear to be closed. I called U.S. Bank onXX/XX/XXXX, and asked the employee to explain what the charges were for and how were they accumulated. <P/>The employee stated that there were several miscellaneous XXXX XXXX charges, and for each one charge they had added an additional late fee and there is a current outstanding balance. <P/>Then I thought things are not adding up here. I closed this account three months ago, I get this letter in the mail, ask this employee to explain why a closed account of more than ninety days is showing a unpaid balance on an account that had a {$800.00} credit..She does n't know ... Their superior was unavailable due to high call volume ... I asked her why was n't the outstanding balance deducted from the credit? She could not provide an answer. <P/>This account is somehow accruing late fees which thus implies that the account was never closed on U.S. Banks end ... ..This drew me to my final conclusion that U.S. Bank is engaging in several deceptive trade practices. First by breaching it 's contractual duty to close my account, intending to defraud me by cooking up fictitious fees, and trying to ruin my chances of obtaining further credit with other lenders by holding my account hostage.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX account back in XX/XX/year>, no response, when I didnt get a response in a timely matter I sent a dispute letter in XX/XX/year> asking equifax to verify how they verified my account once again and they finally sent me a letter telling me it came back verified but How, they havent explained to me how has the account come back verified and what information was obtained to be verified.
Product: Credit reporting or other personal consumer reports

I had to dispute false information on my credit report multiple times just for them to actually remove it. There are other information on my credit that is not accurate but I had stop trying.
Product: Student loan

On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX  XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with or written Experian 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was XXXX XXXX XXXX XXXX, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and XXXX or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. XXXX stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add XXXX or XXXX points a month to your report and thats not fair!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. 

I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited the Transunion website for an annual check of my credit report. I was not able to access the report after logging in. After I spoke with a representative, I was told that I would not have access to my report for three days due to a technical issue. I still do not have access to my credit report.
Product: Debt collection

The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for Bank of America. They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.