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

I received my credit card bill on XX/XX/XXXX XXXX and notice they're trying to charge me an annual fee is {$39.00} on a closed account. when I spoke to the credit card company aspire they said I was being charged the annual fee because I canceled my card 2 days too late. any credit card I've ever had the past would never charge me an annual fee for a closed account.
Product: Credit reporting or other personal consumer reports

Experian forces me to make my disputes through their website, unfortunately they did not accept my letter that I sent them and they did not investigate anything, a month has already been lost. They use excuses that they have doubts about the origin of my letter, it is not a sin to use templates that exist on the web, they must do their job of investigating.
Product: Credit reporting or other personal consumer reports

I denied on several occasions in the last 30days to rent an apartment. Upon requesting from the leasigdesk a consumer report it was brought to my knowledge thats Equifax is once again reporting someone elses delinquencies on my credit report. I also noticed in the last month when I tried to check my credit report for all three credit bureau Im unable to check it for Equifax and XXXX because it says the credit bureau are reporting different information. Every 2-3 months Equifax continues to mix my credit file. This has been non stop for a year and since they cant seem to stop then they need to pay me for damages this has caused. The creditors the report from state that I dont even have accounts with them but Equifax continues to report several inaccurate and delinquent accounts that adversely affects my credit. I have been denied renting apartments, a mortgage, a car and job. I have sent Equifax multiple disputed and once I think the issues is resolved they mix my credit file up once again. As its visible to see in the attachments my credit score is significantly lower on Equifax and XXXX vs XXXX. On the leasingdesk consume report it stated that the negative accounts were never disputed but indeed they were several of times. The account would be removed then return. I have provided Equifax with documentation regarding debt validation none of the creditors have any information. I have no accounts with any of the creditors listed on that consumer report.
Product: Bank account or service

Dear Sir/Madam, Re : Bank of America Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Bank of America for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint with you today ... # XXXX all of a sudden they responded but want me to pay {$24.00} per month to view the report. Seems to me that this is extortion.
Product: Debt collection

On XXXX, XX/XX/XXXX, I received a letter post marked XX/XX/XXXX, containing a bill from my former apartment building XXXX XXXX XXXX XXXX XXXX. I was told to pay a balance of {$220.00}. The letter stated that I have " 30 days from the date on the letter, XX/XX/XXXX, or the debt goes to collections. '' On Monday morning, XX/XX/XXXX, I attempted to pay the bill. I scanned the QR code on the letter and filled out the form. I immediately emailed the apartment manager, XXXX XXXX ( XXXX ) XXXX to ensure the payment was accepted. XXXX did not respond, but a few hours later, I was contacted by a collection agency, XXXX XXXX XXXX ( reference number : XXXX ). 

That's not 30 days notice. That's les than XXXX hours. 

This is a crime. 

I have all the documentation, photos, screen shots, etc.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unresolved issue with Remitly concerning a transfer of XXXX that I initiated from XXXX on XX/XX/year>. The transfer was made via instant payment, and my bank confirmed that the funds were debited on the same day. According to XXXX, the expected delivery date for the funds to reach my destination in XXXX was XX/XX/year>. 

After noticing that the transaction was not completed by the promised date, I contacted Remitly several times. The initial transaction reference number was XXXX. During one of these calls, a XXXX representative provided me with incorrect and misleading information, claiming that sharing a six-digit code sent via SMS would expedite the transfer. Trusting that the SMS was from XXXX, I provided the code as instructed. 

Immediately after sharing the code, I noticed that the transaction reference was changed to XXXX, and the expected delivery date was postponed to XX/XX/year>. As of today, I have not received the funds, despite repeated inquiries and follow-ups with XXXX. I have been given inconsistent and conflicting information during every call Ive made to resolve this issue. 

I would like to emphasize that I have retained all relevant evidence, including call recordings and written communications with XXXX support team. I also have the bank 's debit notice and my monthly statement, confirming the initial payment. 

I respectfully request the XXXX 's assistance in investigating this matter, as I believe I have been misled and that Remitly has not taken appropriate action to resolve this issue. If necessary, I am prepared to pursue legal action to recover my funds. 

I have attached the relevant documents, including the debit notice, bank statements, and call recordings, for your review. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

identity was stolen and a XXXX student loan was taken out with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or delete the late payment from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report capital one charged this account off XX/XX/2020 Now they are reporting it as XXXX days late payment since the charge off. The summer due shown is XXXX so it is impossible to have a late payment. They just added all this late payments when I disputed this account last month. Therefore it seems to be retribution and I cant even contact capita one. They have sold the debt to a collection agency so Im not sure how they are reporting XXXX day late payment after they charged the account off. Im trying to settle this account but they are making it extremely difficult.
Product: Credit reporting or other personal consumer reports

I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : 1. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by TransUnion and XXXX, but XXXX reports {$5800.00}. This discrepancy violates FCRA 1681e ( b ). 
2. Conflicting Date Last Active : The Date Last Active differs across bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX  This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ). 
3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
4. Untimely Updates : The Last Reported date is delayed, with TransUnion and XXXX showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates. 
5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. 
6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681
Product: Debt collection

I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?
Product: Credit reporting or other personal consumer reports

On XXXX I tried to unlock my Experian Credit report in order for XXXX XXXX XXXX to do a soft credit check for financing to re-wire my home. I was doing this online and as part of the process, I was directed to verify my identity by entering my birth date and my Social Security number. I got a message back saying that my information did not match Experians records. Thinking I had entered the information incorrectly, I tried again and got the same message. As I was showing the screen to family members and the contractor, suddenly I got a message that my account was not locked. The contractor did a soft check on my credit. This morning I tried to contact Experian because I know my information is on the dark web due to a security breach at XXXX, which is why I locked my account. I am worried someone may be trying to steal my identity. When I attempted to sign in at Experian, I was directed to verify my identity and received a message that my phone number and Social Security number didnt match. I created an account with Experian and saw that my Social Security number, Date of Birth and phone number were all correctly listed. I tried to alert Experian to the issues I had experienced in trying to unlock my account, but there was no option to select from the menu that represented this problem and I could not get out of the automated loop to speak to a representative. I called three different Experian customer service numbers, and at the third number, I was finally able to get into a cue to speak to a representative. I waited on hold, and then got a message that the call had failed.
Product: Credit card

Hello, I contacted Chase credit card member services at XXXX XXXX XXXX, XXXX, DE. I contacted you to get information in regards to the debt that is owed to account number ending in XXXX. I do have the billing statement that you sent to me. I am willing to settle {$1000.00} debt for {$400.00}. Ive been a consistent customer with the company and was dealing with hard times and student debt and could not afford to pay my credit card back with good faith and honesty. I would like to settle for {$400.00}.
Product: Credit reporting or other personal consumer reports

Victim of identity theft accounts are not mines please remove from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

As many filed complaints against XXXX XXXX XXXX, why this vehicle lender does n't want to reduce my interest of 17 % on my vehicle loan. 
My balance on my vehicle loan keeps rising and there is no remedy for my issues. 
XXXX XXXX and law firm are stating there is no remedy and I am not eligible for a rate reduction. 
Federal Government should regulate Prestige lending practices so Military Veterans and Citizens in the community does n't have to go through the dilemas I am going through. 
There is a {$480.00} collection that Prestige is going to report to XXXX, XXXX  and XXXX and put negatives on my credit report. 
I am XXXX XXXX and XXXX and a US Military Veteran. Plus Divorced.
Product: Credit card

I received a Macy 's bill for a {$2.00} " Fees Charged '' on a zero balance. The previous month the account was paid as agreed way before the due date. However on the XXXX of this month when the billing statement was generated they assessed the fee on what Macy 's confirmed was a zero balance and removed the charge. This has happened before and they have removed it. They even have a recording where you can have it removed without even speaking to someone! I feel as though they are throwing these fees out in hopes that a certain percentage of people will just pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a car from XXXX in XXXX of XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XXXX of XXXX we called the dealership and let them know we wanted to lease another car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations XXXXXXXX   Late 120 XXXX CHARGE OFF Transunion Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Auto Loan Collection Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.
Product: Mortgage

This complaint concerns my Loan Modification with XXXX/Dovenmuehle that took 12 months to process, while impacting my credit report/rating. XX/XX/XXXX I had to quit my job, because of health reasons. In XX/XX/XXXX, I requested a modification of our 15 year mortgage loan, to be changed to a 30 year loan, with XXXX/Dovenmuehle, and on XX/XX/XXXX, I received a letter that my application was complete. An appraisal was done and my modification was approved XX/XX/XXXX. I was told to make 3 trial payments, XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I emailed my loan officer for an update, who told me he was working on the final paperwork. These responses from him went on for several months, until I started receiving calls from the collection dept. My loan officer then told me there was a title issue with my XXXX refinance, and I would have to go back through another process fast because XXXX was going to start the foreclosure process. There were no issues with my title and there was no reason the modification couldn't move forward, and I finally signed the new docs on XX/XX/XXXX. I received a number of letters from XXXX, stating they were looking into the late payments, and I have letters from them, stating they found issues and had sent paperwork to the credit bureaus to correct them.. As of XX/XX/XXXX, the errors are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted. 
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