23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Per a new card offer with no fees for a balance transfer for introductory period, I was first told when I recieve the card it will have the information to initiate the balance transfer which would have XXXXXXXX XXXX my existing card. No information was recieved. 

Upon calling to address this issue and to initiate the transfer it was initiated however here is where the issue arises. Upon initiating the balance transfer there was absolutely zero disclosure that it would not be an electronic transmission via credit channels but a check and it would take 2-10 days to process. Again - NO DISCLOSURE ON MAILED PAYMENT. NO DISCLOSURE ON EXTENDED TIME TO INITIATE PAYMENT. NO DISCLOSURE OR INFORMATION ON HOW TO EVEN INITATE PROCESS. 

I initiated transfer on XX/XX/year> mid afternoon and was due to the third party card issuer no later than XX/XX/year> by XXXX. If electronically initiated, it should have at least been documented as recieved even if still processing. 

By XX/XX/year> there was still no notation of the transfer even being made on either of the two banks apps/sites except for a late payment fee on the one app and which now is reflecting on credit history when it should not as payment was initiated and should have been recieved tiemly within the billing period and by due date/time. 

A complaint was filed with bank regardign the lack of disclosures not being made and for which I could have worked to avoid the late payment and reduced the exhorbitant proesing fee being assessed. 

Attached are the screenshots reflecting the late fee being assessed. Also the transfer amount being reflected from the paying bank but not reflecting the type of transaction - paper of electronic. Both are from XX/XX/year>. Also attached is the screenshot reflecting payment and noted as received electronically. 

To refer back to the fee, per them would have been for paper processing of a check and postage or XXXX  however it would have been transmitted. Again note after compaining to the bank and specifically referencing the lack of disclosures made, payment was then made electronically. I also recieved a call to attempt to update me ad " discuss '' the late payment fee reimbursment ..... 

My compaint was mainly focused on the lack of disclosure and what it would take to clear up their mess and how to communicate with second bank on removing fee and removing all negative reporting from my credit profile. There was no mention of disucssing the lack of disclosures leading to this financial mess. I still have no resolve to clearing up the mess initiated by their lack of disclosures and if they had made proper disclosures I could have attempted an alternate resolve and not even bothered with getting a second credit card.
Product: Debt collection

Tek-Collect Incorporated is holding a collection account in my name. I am unable to verify the debt as they show that their license are suspended in the state of NC with a Notification of Revenue Suspension dated XX/XX/2017. 

This is causing a very negative impact on my credit report as it shows an amount of {$1100.00} with an original amount of {$1100.00}. I would like to have those removed since this company should not even be collecting or can not validate any of my requests.
Product: Student loan

My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian FAILED TO NOTIFY OR INVESTIGATE DISPUTES
Product: Mortgage

This concerns the Wells Fargo Class Action Settlement. We believe that Wells Fargo padded are existing second mortgage/HELOC by XXXX. We had them investigate and they could not explain where the amount originated. 

We have since refinanced and had to pay Wells Fargo that additional phantom balance. 
We believe that Wells Fargo took advantage of us during the 2008 re-modification era.
Product: Debt collection

I called and spoke with 2 people from the original creditor and I was told that the several debts I have with ARS have not been filed to my insurance because they didnt have the information needed to file. I asked if they tried contacting the hospital that sent my insurance or if they tried contacting me and they said and I quote Were a national company, we dont have time to make calls like that. All of these amounts are invalid as they were not filed with my insurance. I contacted the creditor and asked if these could be fixed and they said no because I should have given my insurance information EVEN THOUGH the hospital was supposed to do so. I would like these debts removed from my credit report as they were not appropriately filed.
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX I was checking my report yesterday and I noticed something that has nothing to do with me. I think I have been a victim of identity theft and someone used my information to apply for a card. I checked with everyone including the bank and luckily no card was issued or approved. Please dispute following inquiry from my credit report since it doesn't reflect the truth and it has nothing to do with me. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was trying to refinance my home and I, was under the impression by the agent handling my case that, I was per approved as we got further. I paid out of pocket for certain things. On the strength that they re assured me that things were moving along they change the original deal a couple of times and they still end up denying. My Mortgage went up extremely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my credit report that I have no knowledge of. It is called Midland credit management. Is the collection agency on my credit. I have disputed this account and told them it's identity fraud and they removed it from XXXX credit but will not remove from XXXX XXXX XXXX. I have reach out and nothing at all from them I have disputed so many times and nothing. but removed from XXXX. And I would like to see pictures of D.L that was use because I know it wasn't me and papers sighned
Product: Credit card

I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the Flex Modification Program. I made all required trial period payments on time. However, XXXX XXXX incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX XXXX XXXX XXXX ) confirming that my account was placed in forbearance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
XXXX XXXX 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with XXXX XXXX and the credit bureaus, but they refuse to correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE U.S POSTAL SERVIVE. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

I opened account with discover over 6 months ago was approved with  XXXX  credit limit I made all my payments on time with this company and all my other credit card company 's. my balance was close to  XXXX  and out of the blue I received an email stating that I was close to my limit. I check my statement   XX/XX/XXXX   it said  XXXX  but    XX/XX/XXXX    I received email stating be cautious I close to my limit. I called immediately at   XXXX   XXXX   to find out how  XXXX  disappear was advise no agent till Monday was available to help me with that question. I called and recorded the call and attached it for your records I because of inquires which I got a new car and had my other car paid for. And because of my good history new company offer me cc and because I accepted them I was lowered without letting me know. My main reason im upset they going to lower my score more because going from a 75 % to 100 % also lower my credit line affect my score. I wish they would of froze it. My income still good to my credit ratio so really think it been unfair decision.
Product: Debt collection

Portfolio Recovery XXXX  are notorious for harassing people for alleged collections accounts. I have reported them here in past years for alleged debts/collections. First, they have reported 2 collections to all 3 of my credit reports without providing any written notice and/or documentation of the alleged debts. On my credit reports, Portfolio Recovery doesn't even list who the alleged original creditor was or when the alleged debt was incurred. 
Second, Portfolio Recovery incessantly robo-calls my cell phone from dozens of different numbers daily that are not from their corporate number, including Sundays. Some of these numbers are : XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, and this is just to name a few. Given the amount of different area codes they are calling from is a huge red flag that they are phishing scammers and not conducting legitimate business.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and the following unauthorized inquiries needs to be removed from my credit report or the responsible party inwhom reporting them should send me the applicable physical documentation as required by law. Please remove the following inquiries 1 ) XXXXXXXX XXXX XXXX ( XXXX ) 2 )  XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXXXXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX, XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX, XXXX, XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 )  XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerihome is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.
Product: Credit reporting or other personal consumer reports

The Following information is all incorrect and fradulent on my account even the names phones and even the social security numbers. 
Credit cards and credit lines XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14.00} Status Account charged off. {$14.00} written off. {$12.00} past due as of XX/XX/XXXX. 
addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family Phone numbers ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular Social security numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2016 I submitted a balance transfer request from XXXX XXXX to my Sears XXXX in the amount of {$1600.00}. After a month or so I saw that it never posted to my XXXX account. Over the course of two years I attempted to rectify this issue with XXXX XXXX to where they investigated on their end that Citibank ( who backs XXXX ) had cashed the balance transfer check. XXXX XXXX attempted to contact Citibank to refund the money back as it never got credited to my XXXX account that is listed on the front of the balance transfer check. It is apparent that Citibank did not respond to XXXX XXXX XXXX   correspondence and ignored the request. I have evidence of the check cashed by Citibank, the letters that XXXX XXXX sent to Citi, and other pertinent information that displays Citibank has kept the money. In addition I have copies of my Sears XXXX statements that show the money was never credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to rectify this issue through previous letters, I have not received a satisfactory response, hence the need for this formal complaint.Firstly, I would like to emphasize that I have not authorized the sharing of my credit report with any third party or entity. However, it has come to my attention that my credit report has been utilized without my consent, potentially compromising my personal information and financial security. This unauthorized sharing of my credit report is a violation of my privacy rights and undermines the trust I have placed in your organization. 

Secondly, I have noticed the presence of credit inquiries from unknown sources on my credit report. These inquiries were not initiated by me, nor do I have any knowledge or association with the entities responsible for these inquiries. These unauthorized credit inquiries are not only misleading but also negatively impact my creditworthiness and financial standing. 
I must express my disappointment with the lack of action taken by your organization in response to my previous letters regarding this matter. I have made multiple attempts to address the issues, providing detailed information and requesting appropriate rectification, but to no avail. It is disheartening that my concerns have been disregarded, leaving me in a vulnerable position.
Product: Debt collection

I keep receiving phone calls at work from a company called Portfolio Recovery ( XXXX ). My coworkers have also reported that they have received calls from Portfolio Recovery asking for me. I have asked them to stop calling my work number and have told them that I am not allowed to receive calls at work. They called again today at XXXX. I do not know how to get them to stop.
Product: Student loan

The interest rate on my loan increase quaterly for no reason. I do not recall receiving information about the rate being variable. The out of school date is also incorrect. I graduated from my undergraduate program in XX/XX/XXXX and my graduate program in XX/XX/XXXX. I intitally received the loan through XXXX when in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Federal Student Aid balances reported by XXXX is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on XXXX.
Product: Mortgage

I have worked very hard to pay my payments before they were due. I am now receiving letters saying my payments are behind, and its showing late fees. I have tried for two straight weeks to get ahold of a person. I have called several numbers and cant speak to a human. My payments are done through XXXX  XXXX XXXX bill pay, and I have record of each payment made to LOANCARE. During this pandemic its been very hard making ends meet, and keeping up on all my bills but I have done it and am very upset someone has made mistakes at LOANCARE with my money. 
I knew times would be tough so I took it upon myself to pay one month ahead on my mortgage, but I am getting letters I am two months behind. Again, I have been trying to contact someone but am unable to contact a human. 
The following payments were made from XXXX XXXX XXXX Via billpay. 
XXXX payment : XXXX {$1400.00} XXXX payments : XXXX {$750.00}. XXXX {$750.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00}. & XXXX {$720.00}. 
XXXX payments : XXXX {$720.00} & XXXX {$720.00}. 
XX/XX/2021 payments : XXXX {$720.00} As you see Ive paid XXXX and above my regular monthly amount. 
I paid an extra payment in XXXX, which was a hardship but with the uncertain times I wanted to make sure I was ahead on my mortgage, but now I am going through this stress of them not applying my payments, and accessing late fees. This is crucial this gets corrected and all the late fees be removed. This is a hard, stressful time and Ive worked very hard to make sure I didnt fall behind and I feel very angry at Loancare for the terrible accounting and obsolete customer service. 


I feel its crucial for consumers to be able to contact real people when their money isnt being handled correctly.
Product: Checking or savings account

RE : CONTINUED HARASSMENT AND THEFT BY TD BANK Hello TD Bank : XXXX XXXX President of TD Bank wrote us a letter in XX/XX/2022 ( attached ) advising that our bank accounts would be abruptly closed on XX/XX/2022. 

Why then are you continuing to keep it open and charge my account bounced check and overdraft fees when it was obviously emptied in response? 

Please refund those immediately since XX/XX/XXXX and before. 

In addition, why in XXXX is your merchant service continuing to attack us with credit card charge backs ( repeatedly presented after we originally won them ) when the XXXX XXXX account termination letter also stated that our merchant service accounts would be closed on the same day, XX/XX/2022, and we have not used them since XXXX after having switched both our bank and our merchant accounts. 

This only forces us to continue to prepare and respond to useless, already dealt with, and already won credit card charge backs, thus wasting our time, resources, money and energy - or is this your goal, to continue to hurt our small business, long after you chose to disrupt it by abruptly closing our accounts because we filed government complaints about your XXXX service? 

One more time - close down these accounts immediately, so that we no longer have to hear from any of you, ever again, otherwise we will once again file government complaints against TD Bank and its associated merchant services, again. 

Be guided accordingly.