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

I was charged {$180.00} on my Best Buy credit/Citi Bank on XX/XX/2021 that I did not make. I had a XXXX balance on my account since XX/XX/2021 and I had not purchased anything on this account. I called the Best Buy store XXXX XXXX XXXX to dispute these charges in XX/XX/2021 they told me that it was a renewal for Best Buy Tech support. I told them that I canceled this renewal in XX/XX/2021 at the Best Buy store in XXXX at the customer service Desk and the XXXX XXXX desk . I have complained to several customer service representative since XXXX and to Citi Bank. On XXXXXXXX XXXX I called the Best Buy store to ask for a XXXX to dispute these charges again and was told there was none available and that someone would call me back. no one called me back so I called again and I talked with XXXX XXXX. # XXXX She said that she saw where I had cancelled the tech support, so she issued me the refund but for only {$150.00} with a remaining balance of {$65.00}. I told her that I was not satisfied with this and she told a XXXX would call me within five days. On XX/XX/XXXXXXXX XXXX I called back to the Best Buy store in XXXX to speak to a XXXX, I talked with Miles who couldn't help me, then I talked to XXXX and he put me on hold and then hung up on me, I called back and talked to XXXX who was in the XXXX, I hung up and I called the Best Buy store in XXXX again and spoke to XXXX  and was put on hold for over a hour finally I hung up and called the Citi Bank for Best Buy and talked to XXXX who connected me back to Best Buy in XXXX and I talked to XXXX in the XXXX XXXX billing about the fraudulent charges to my account, she told me that they could only give me the {$150.00} credit to my account. I asked for my account to be closed at that time on XX/XX/2021 and asked for a XXXX and was never connected to one after being on hold for hours. I reported these fraudulent charges to all three of the credit bureaus and that still didn't resolve the fraudulent charges on my account or my credit report. I am still receiving bills for this fraudulent charges and Citi bank/Best Buy is not trying to help me with this dispute.
Product: Student loan

The lender always want me to pay more than, I can afford on a monthly basis. My loans is always in forbearance status. The amount has triple.
Product: Credit card

XX/XX/XXXX XXXX, I called Synchrony Bank today to check my balances and was told my account was closed. 

I had paid my account in full in XX/XX/XXXX and had called the month of XXXX to verify my balances were paid and there was no discussions of closing my account. 

When I called today XX/XX/XXXX i was informed my account is closed. I informed them I received no notification of this. 

The rep informed me that my account was closed due to my report being ran XX/XX/XXXX of XXXX and was in review. 

However, there was no notice of this and I called the Bank ahead of time to let them know in XXXX of XXXX I would be paying full balances in XXXX of XXXX. 

I was informed this was fine and my late fees were waived. 

I then called again XXXX of XXXX and verified the amount due and paid the account in full on what was owed. 

I have never had a Bank close my account without notice. 

Then when I asked for a re evaluation I was told no by the rep and a supervisor and that if even they did a re evaluation the card would not be updated again. 

This is highly unprofessional as I was not notified in writing nor in email form by the bank. And I have concerns because each person is giving me a different answer on why my account was closed. 

I have concerns on when I asked if they were able to re evaluate my card I was flat out told no. I would need a letter from XXXX saying report they pulled on XX/XX/XXXX was incorrect. 

When I called XXXX I was informed typically they would not issue letters on an item like this and that the Credit Card Issuer has to give me a complete reason on why my balance or credit card was closed out.

I have had credit cards and paid them all off in full and notified all party 's. This is the only company I have had close my card. I have never had this happen to me. 

Also I have concerns as when I asked for a re evaluation as my card was paid I was flat out denied. I have never been treated this way by any company.
Product: Credit reporting or other personal consumer reports

l just reviewed my consumer credit reports and noticed that there was an inaccurate accounts on my credit report from XXXX XXXX XXXX  opened on the XXXX of XX/XX/year> l have never opened any account l do not have a contract with the collection agency i c system Consumer reporting Agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy l contacted Experian and asked for them to investigate and removed the inaccurate account from my consumer report that they are illegally reporting and l reported specifically the alleged application bearing my signature They have not been able to provide such proof to me This is a violation of the fair credit reporting act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof This item as l can tell was bought by a third party debt collector [ XXXX XXXX XXXX ] This account must be deleted as the status is not correct
Product: Mortgage

Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXX Phone XXXX Fax XXXX I have been trying to contact HSBC concerning my Deed of Release. They are the servicing agent listed on XXXX. MIN:XXXX I need to clear this matter up ASAP. HSBC is " Clouding my Title '' and preventing me from getting a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I closed on my loan with Mr Cooper on XX/XX/XXXX XXXX- I requested the escrow and excess funding to be sent to my new address which was located on the closing docs. I had to have someone else call in on their number as each time I called in I got the automated system- I spoke with XXXX  on or about XX/XX/2024 at Cooper mortgage who communicated that they sent payments to the property address which is not where I live nor on the closing documents- I then again updated my address information to which she stated that the checks would be updated and mailed to my current address at XXXX XXXX XXXX XXXX Ohio XXXX- As of tis date I have sent via email several notices for them to direct deposit the amount in my account as they communicated to expedite the process. They continue to refuse to send payments to me for teh escrow and remainder balance in the amount of {$820.00} and should be with interest as we are beyond a month of paying this account
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed items from my credit report that were inaccurate to 3 credit bureaus and they haven't answered me
Product: Checking or savings account

XXXX and Mercari refused to give me my {$220.00} back despite these AirPods that I purchased through them being fake Mercari as well refused to give me the money back despite me proving they were fake and submitting it and then they went ahead and paid the seller for these despite me adamantly saying i wanted to return them. never sent me a return label despite claiming thats the reasom they closed my account. paypal refused to do anything as well. prohibited counterfeit items that are supposed to be what they refuse to sell and terminate accounts doing so but clearly didnt. since i called them out on this they then closed my account because I threaten to dispute this transaction because they sold me a prohibited fake item that is a illegal to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( transunion & XXXX ) for correction.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  Whos XXXX XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Mortgage

In XX/XX/XXXX, my wife XXXX XXXX and I, XXXX XXXX, put money down to buy a house from XXXX XXXX in XXXX XXXX, Arizona. XXXX XXXX referred us to US Bank for financing because I operate a small business. Through U.S. Bank, were were prequalified and we had planned to use them to secure a Jumbo loan for {$1.00} XXXX less 20 % down. The house was delayed significantly due to supply chain and labor related issues. However, the home is now scheduled to close on XX/XX/XXXX ( changed by XXXX XXXX from the original closing date of XX/XX/XXXX ). 

The US Bank person we've been worked with all along is : XXXX XXXX, Mortgage Loan Originator | NMLS # XXXX. Direct : XXXX or XXXX. XXXX has been there for us throughout this process and an excellent resource. However, there was a series of unfortunate, corporate-driven events that occurred that prevented us from locking in rates on XX/XX/XXXX and XXXX, XXXX where we could not get a 7-year ARM rate quote from XXXX to make a rate lock decision. While I'm uncertain of the exact reason, I was told that one day " the system was down '' and, the next, XXXX did not have access because US Bank Corp changed their pricing parameters. XXXX indicated the threshold and price parameters likely changed due to tightening concerns as US Bank prepared to close on their acquisition of Union Bank. Consequently, as consumers we are being subjected to this new threshold whereas we should have been grandfathered in as the old pricing parameters in existence before XX/XX/XXXX. 

With quoted rates of 6.5 % as of XX/XX/XXXX, the process is subjective, deceptive and discriminatory. If we were to lock today, the rate spread will cost us ~ {$760.00} per month. Ultimately, US Bank changed the rules in the game without telling us or formally sending us a notification. Plus, they locked us out from being able to make an informed decision with our mortgage agent. And, had we know this were the situation, we would have been more aggressively shopping for another provider. 

XXXX shares in our concern and has expressed this to management for an appeal, but they have said no so far. He plans to appeal again today. With the closing just over a couple of weeks away, we now need to lock-in a rate by this Friday, XX/XX/XXXX. 

Your help is greatly appreciated in helping to facilitate this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a third written request regarding inaccurate and unknown things on my credit report. It has been over XXXX days without a response and I feel like I am being bullied after being ignored for so long. 

Section 611 ( a ) states plainly that a failure to investigate these items gives a reason to immediately remove those items from my credit report. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding the continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed on my credit report still remain in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

These companies stated in writing that they have verified that these items are being reported correctly but have provided no proof of the claims after months have went by. 

I demand that these items be removed from my credit report at once.
Product: Credit card or prepaid card

American Express has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. And I never opt in for over limit transaction with Hertz Car Rental. American Express has approved the transaction over the limit without my consent and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

XX/XX/2019 i walked into XXXX  of XXXX  XXXX  for a estimate. i was given two. for two different procedures. filled out papers for " payment plan '' no follow up or appointment were made, that was the end of that.XX/XX/XXXX i received a credit card XXXX XXXX XXXX. i called XXXX  office  and they said to go ahead and activate it. i scheduled an appointment that day for XX/XX/XXXX to get my XXXX  XXXX  for {$790.00} which was one of the estimates from the XX/XX/XXXX visit. before my XX/XX/XXXX appointment i activated the card and set it up for on line use. so when i looked at the statement online there was a charge of {$2500.00} for " merchandise '' from the XXXX  office, and paid by comenity bank, which posted on XX/XX/2019? without ever doing any work the XXXX  office  already paid themselves! i contacted the bank and they said they will fix it. i informed them that i was going to get my XXXX   XXXX  that day and the estimate was for {$790.00}. and after the procedure i was handed a receipt for {$790.00}. which happened to be the same paper as the estimate. anyhow after months of going back and forth between the XXXX  and the bank they did adjust the balance. still for a {$790.00} for work that they actually did do i still had a balance of over {$1000.00}. the statement from the XXXX  is so redacted only a charge for {$2500.00} for " merchandise '' is all you see. the receipt was for {$790.00} what was the over charge for?
Product: Student loan

When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPTEDXXXX XXXX Balance Owed : {$4100.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

DEPTEDXXXX XXXX Balance Owed : {$7400.00} Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Credit card

I had a {$15.00} credit posted to my account XX/XX/XXXX - no charges since then and today the credit on my account disappeared and they are not giving me a reason for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file ive noticed alot of invalid data in my file. please update the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Product: Debt collection

On XX/XX/16 A credit card was opened on my name. I have never applied for a credit card with this company. I dont have a credit now nor have I ever had any. Ive disputed this debt twice and both times they said the card was mine. It absolutely is not mine and is showing up on my credit report. Ive talked to someone from this collection agency to no avail. She was rude and basically told me to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX has reported to Credit Bureaus ( Experian ) a debt in the amount of XXXX XXXX XXXX XXXX and XXXX Dollars as it states on my credit report, I did not receive any initial communication from XXXX XXXX XXXX, I do not know nor have any business with XXXX XXXX XXXX, XXXX XXXX XXXX failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.