23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I just used this XXXX application for the first time XX/XX/year>. After using it I was immediately charged XXXX for their app services. Then I started using their card. It was a few transactions before I realized money was missing. I was missing about {$36.00}. I looked back at transactions and its showing I was charged {$4.00} per transaction. I immediately contacted the support team which in their wanted me to pay {$3.00} for immediate support or wait up to 48hrs for the free version. I ended up getting a response, however they were not willing to help me with anything. I told them I did not know I was going to get these fees added for using my card. They turned around and told me I did and they cant help me. I did not know of these fees and even after asking for a supervisor, I got the same answer back like Im talking to a robot. I am very sure I didnt get a supervisor because they said the same thing to me without hesitation
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX will not comply with taking all the negative accounts of my credit they are fraud all the credit bureaus were provided with police report regarding the identity theft on my credit my score has been destroyed due to there negligence I am attaching a recent account that needs removed off my credit permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit card or prepaid card

I asked Synchrony Bank then its collection agency over 15 times for an itemized bill to settle the debt for 2 years. The attorney general has asked these companies 3 times to set the debt. The XXXX XXXX XXXX  twice for an itemized bill. All the while charge enormous penalties and interest charges. As a former XXXX XXXX XXXX XXXX, I am applaude and have never seen such blatant disregard for consumer law and predatory lending. The account is now in litigation.
Product: Debt collection

Re : Account Number : XXXX XXXX To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX XXXX Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was closed and charged off as bad debt, which has negatively impacted my credit report. However, I have been diligently working to resolve this matter. 

Furthermore, I dispute the accuracy of the reported balance owed. According to my records, the balance owed on this account is inaccurate and does not reflect the payments made towards reducing the debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as mandated by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.
Product: Mortgage

The mortgage is my mother 's She passed away in XXXX of XXXX. I have been trying to settle her estate since. I sent the death certificate as soon as we received a copy and then reached out to XXXX XXXX for any further information they may need so I can manage her account. They requested several pieces of information, including death certificate, administration paperwork from the court driver 's license, etc all have been provided several times. Every time I follow up and call to confirm that it's been received I'm told that they can not speak to me because I'm not authorized on the account. All requested documents have been sent several times over to multiple mailing and email addresses. 
The house has now been sold as part of closing the estate. The closing date is XX/XX/XXXX. We need a payoff letter in order to finalize the closing. Since XX/XX/XXXX, I've spoken to no less than 6 different people, and have been given no less than 4 different email addresses to send information to, which I have done each time. Each time I am told that it will take 24 to 48 hours to process once recieved, and I will have a call back as soon as it's completed. No callback has ever been made. 
I spoke to a supervisor on Thursday, XX/XX/XXXX and was told everything was received, and it would be processed in 24 to 48 hours. I called back on Friday the XXXX, just to double check and was unsurprised to learn that a piece of information was missing. My driver 's license, which I've sent several times. So the supervisor from the previous days call lied. Again I sent the requested info to yes another email address. I followed up again today Monday XX/XX/XXXX and surprise, still not complete. I spoke to yet another supervisor who had me send the information yet again to a new email address and again was assured. It would be handled in 24 to 48 hours. I won't hold my breath.
Product: Credit card or prepaid card

I have had this best buy credit card for over two years and have purchased products in a 3 lump sums to have as part of a financing through the card. I made my minimum payments always on time and I even paid more than so I could pay it off quicker and this past month in the beginning of XXXX I called citi bank who is in charge of my card to make another payment and my balance increased by {$1600.00}. I was then told it was because my 24 month financing option ended even though I made my payments on time and more so. When I tried to resolve the issue I was told nothing could be done and now My balance is at {$4600.00} which way beyond my limit and has since ruined my credit even. I then read online that when I make they payments they split the other charge so instead of paying off the oldest one first its splits it. That's very deceitful and another way to make more money off me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report there were some inaccurate entries that caught my attention. I inquired and asked the credit bureau, for valid proof. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

On XXXX XXXX and XXXX XXXX I submitted letters to the credit bureau asking for this information, and was not given what I was asked for. This failure to do so, is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX  I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

Unsolicited credit card received XX/XX/19 Credit inquiry on credit report when no credit application was made
Product: Payday loan, title loan, or personal loan

I burrow {$500.00} on XXXX XXXX 2017 I made 10 payments of XXXX and 1 payment of XXXX. And my loan is still not paid of I have paid them {$1100.00} and they still said my pay off is {$510.00} to this date.
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying on this loan for nearly a year. 
When I make payments, there have been payments where 100 % of the payment is applied to interest. 
I recently switched to making payments weekly. This would normally have the effect of lowering the total amount of interest paid. Instead, the amount applied to interest rather than principal has ballooned.
Product: Credit reporting or other personal consumer reports

In order to REMIND the XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

i would like this to be removed form my cedit as soon as you get my identitytheft report this is the 3 time i send it to all 3 credit bureau 1. 
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
Product: Mortgage

Mortgage Payoff Nondisclosure of Recording Fees : I contacted Mortgage company for payoff information of my mortgage on Wednesday, XX/XX/2018. The representative advised me of my payoff amount for XXXX different dates disclosing if I wired the funds to Mortgage company there is a {$15.00} wire/processing fee but did not disclose any additional fees to me. I called again Thursday, XX/XX/2018 to confirm my payoff amount for the date I was wiring the funds and again was informed of a {$15.00} wire/processing fee and no other fees. 

XX/XX/2018 I wired the payoff amount plus an additional {$42.00} and change to round to the next XXXX dollar. When I checked my account to confirm they received my wire the amount was recorded minus {$65.00} of the full amount I wired. Upon contacting Mortgage company to question the missing {$65.00} I was told there are recording fees of {$25.00} and {$40.00} that was never disclosed to me on any previous calls or conversations. 

I called XX/XX/2018 to speak with a supervisor regarding the nondisclosure of the recording fees and I felt they should be paying the recording fees since it is Mortgage company 's responsibility to record the release of mortgage and any other required documents. Also, since the {$65.00} of recording fees was never disclosed it was company 's failure to disclose that they should waive those recording fees. The supervisor was not interested in " the customer is always right '' motto and proceeded to defend company and that I was responsible for the recording fees. 

I am a XXXX XXXX XXXX in 2 states and if I fail to disclose some of the simplest charges or information to the public I am accountable and can encounter reprimand and or fines from governing commissions or agencies. I am under the impression with the tightening of the rules & regulations ( Dodd Frank ) that disclosure was not only necessary but mandatory.
Product: Student loan

In XXXX, I put in an application to consolidate my loan. The information said I could continue to make payments during the application process and the consolidated loans would be adjusted. During the application, I made 2 payments - 1 on XX/XX/XXXX for {$1800.00}, and 1 on XX/XX/XXXX for {$13.00}. Because of where the loans were in the process, the payments were not reflected in the consolidated loans and the payments were " applied '' to future payments but are not showing towards my loan balance. I have spoken to customer representatives several times and eventually was informed, they could not process those payments towards my current consolidated loans because they are not the same loans so I requested the money to be refunded. On the call on XX/XX/XXXX, they said they were processing the repayments and it would take up to 60 days to receive the funds. I never received email confirmation but trusted them. I called today to check on the status of the refund and was first told that they were no refund processing in the system and they would resubmit the refund. I asked to speak to a supervisor and was on a hold for over an hour ( after already being on the phone with the first customer service person for 1 hour 30 mins just to explain my situation ), eventually having to leave due to another appointment. I called back later today to have another customer representative tell me that the refund was refused because the loan was paid in full ( i.e. due to the consolidation process ). I am now waiting again to speak to a supervisor and have wasted at least 20 hours in total trying to get this almost {$2000.00} applied to my loans balance or returned to me with conflicting information from each customer representative and no communication of the status outside of me actively calling. I.e. no communication that the repayment was " denied ''. If this money is not returned or applied to my loan balances, this is theft and incredibly stressful.
Product: Credit reporting or other personal consumer reports

Experian on multiple occasions has stated they are reviewing files but have failed to do so. Proof of such was previous file XXXX They on multiple occasions stated they verified the file but failed to delete it until another reporting agency did the job for them. This has been a recurring issue for them even when sent files and paperwork to fix and correct file they only fix file after another company has done the work for them. Currently two accounts XXXX and XXXX XXXX hav already been removed form other companies yet Experian still updated the account without running an investigation. Even when provided the papers stating account has been deleted by other companies they still refuse to run any investigation. They have continually violated my consumer rights as I have sent over 55 disputes to them now
Product: Credit reporting or other personal consumer reports

My credit report reports that Tower Loan closed my account XX/XX/25 stating charge off account balance {$2400.00}. 

I just learned of this yesterday XX/XX/25 and requested a 1099-C. They have refused to speak with me. 

I have had issue with this company refusing to enter into a payment arrangement with me and only attempting to bully me to redo the loan eventually locking me out of my account. 

I have been doing business with this company for years. I never reached out to this company for a loan. This company repeatedly would send a check to me and if I wanted, I would sign and cash the check or I would tear the check up and put in the trash. I am requesting assistance with getting this 1099-C from Tower Loan. I am XXXX and I truly believe Tower Loan has attempted to bully me because of my age. They repeatedly contacted me to come into the office and redo the loan even though I was repeatedly trying to make payment arrangements. One of the male employees came to my house and tried to get me to open the door, I refused. I felt threatened. After this and several outrageous telephone conversations with a female employee there I was locked out of my account. I did business with Tower Loan XXXXXXXX XXXX XXXX XXXX. They are listed as Tower Loan of XXXX XXXXXXXX XXXX XXXX XXXX * on my XXXX XXXX credit report Please help me.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxs process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.