23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently noticed on my Bank of America credit card statement that interest was charged that was different from that which had been advertised, and the APR was shown incorrectly. 

I had responded to a balance transfer offer that specified an interest rate of " XXXX plus 0 % Promotional Rate for the life of your balance transfer ''. 

The most recent statement shows that Promotional Rate, with Promotional Rate End Date as " No End Date '', but lists Balance Subject to Interest Rate as " {$0.00} ''. Instead, there is another line for Fees showing a " XXXX Interest Charge ''. 

Bank of America regularly sends " Notice of Change In Terms '' to me. One of them stated : " If the total of the Periodic Rate Finance Charges for all balance categories is less than {$1.00}, then a minimum Finance Charge of {$1.00} will be assessed on the account in lieu of any Periodic Rate Finance Charge ''. 

Thus this fee is described as a finance or interest charge and should be included in the calculation of APR to be disclosed on the statement ; such a higher APR is not in accord with the advertised promotion. 

Another " Notice of Change In Terms '' stated that " ... the amended agreement ... will apply to the total outstanding balance, including the balance existing before the amendment became effective ''. It is not clear that such an amendment can modify a specific advertised promotion with an advertised ending date, as that would constitute deliberate false advertising. 

Please look into this.
Product: Credit card or prepaid card

I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. 

All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.
Product: Credit reporting or other personal consumer reports

The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

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 Please delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a total loss on my vehicle and Wells fargo incorrectly reported my loan past due and continues to report it past due. I spoke with the total loss department and it has been verified twice now they agreed to submit to the credit agency that the payments reported late were never late. I just disputed this on my credit report after talking to a wells fargo agent because she said that was the way to get it off my credit. They will send the request to wells fargo and it will show the notes that it was to be taken off. The only reason this account was considered late in the first place was because wells fargo incorrectly filled my loan documents out and could not provide my insurance company with a title so they withheld payment. My insurance company was ready to send a check to wells fargo about 7 days after the car was totaled. Wells fargo is reporting my payment 90 days late. All of the conversations are noted by wells fargo and can be confirmed that around mid XXXX i spoke with the total loss and they agreed the defaulted account was not my fault and would be corrected.
Product: Debt collection

The debt from XXXX XXXX XXXX is on my credit account but I 've never been. Syndicated Office Systems seems to be the collector and I have not received a letter or a phone call from them. I called XXXX XXXX XXXX and I am not a patient there.
Product: Mortgage

Our original mortgage was with Citi Mortgage. They turned it over to a company called XXXX.They raised raised our mortgage payment from {$850.00} to {$860.00} on a so called " projection '' that our escrow would go up and it actually would go down because our insurance went down and property taxes remained the same. Citi Mortgage will not adjust because they have passed the service to XXXX. We have tried every option to contact XXXX. Email, phone etc. with no success. When a representative would answer a phone, they were quick to hang up.
Product: Student loan

I submitted an application to recertify my income driven repayment plan and switch to the SAVE plan on XX/XX/24. Weeks later, my application was inexplicably cancelled ( not denied just cancelled ). I received no notice for this and was not told why it was cancelled. I was told I needed to submit a new application and that the timeline for processing would be reset. I submitted a new application XX/XX/24. I was advised by studentaid.gov that it was illegal for them to have cancelled my application with no notice or explanation. I am enrolled in public service loan forgiveness and they have placed my loans into forbearance and not taken me out of forbearance despite my request to do so. I feel that they are intentionally delaying calculating my payments because I am close to qualifying for forgiveness with PSLF. 

I am requesting immediate review of my SAVE plan application and immediate removal of my account from forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. Transunion discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. Transunion did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. Transunion lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue transunion and its board members for malfeasance. Transunion also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. Transunion is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and XXXX  reports. I have reported Transunion to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. Transunion KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. Transunion is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. TRANSUNION ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, TRANUNION WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! TRANSUNION AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.
Product: Mortgage

I had received an approval for a mortgage I stated I was interested in doing a new construction and was told they will work on. I sent plans proof of payment to the company as well as the company was also sending the loan officer information through emails. Along the process the mortgage specialist was not responding to emails period for weeks on end. When I did or was able we had an understanding that communication will be better to go through the assistance after months of not responding. I was told they needed documentation again I state ok what do you need. I sent emails to mortgage specialist as well as the assistance and no response. Construction company emailed called as well as myself no response. When I check my loan application it was closed without knowledge or communication to myself. No correspondence on why even when I asked, I tried to call no response the construction company tried to call no response either, they just disappeared with no communication to myself. I called their lines through customer service they sent messages no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called XXXX. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact XXXX while they preformed their investigation. I contacted XXXX and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. XXXX informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from XXXX again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that XXXX was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for Experian and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted XXXX XXXX customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is 2021 and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Product: Credit reporting or other personal consumer reports

A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of Birth Record. I also went down to my local county clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to 45 CFR 303.5 Remove This unlawful " debt '' from my credit report immediately ( XXXX XXXX ) XXXX not get my permission to report anything on my credit consumer report nor does ( XXXX XXXX XXXX have my permission to report anything on my credit consumer report. This transactions never started as a debt
Product: Credit card

I have contacted Capital One many times by phone over the past year to discuss payment options. I was told by their customer service representatives that if I waited until my bill was past due then I would have favorable options such as lowered interest and/or payment plans to get me back in good standing. I did this twice as recommended by their employees and the most that Capital One could do is waive the late payment fees. After a further discussion, I was told that I would have more favorable options if I was to let the payments go past due by at least two payment cycles. As I took the advice from a Capital One employee, I stopped making payments. After a couple months of my bills overdue, I called again to see what hardship options or programs were available. Again, Capital One offered the same options as they did previously! This put me in a very stressful and tough situation. Now the debt appears to be passed off to collections and my credit score has dropped tremendously. Capital One has made thousands off of me paying interest alone over the past year. I need proper resolution from a situation that Capital One representatives put me in by providing false information.
Product: Credit card

I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Product: Credit card or prepaid card

I have set up auto pay on my Bank of America credit cards. My payments have not gone through several times. I have called Bank of America several times and have been told : setting up auto pay through the app doesnt work ( I then set them up on the website ) set up payment notification by email ( sometimes I get them, sometimes I dont ). I will get instead an email that my account is past due. I have set up auto pay four times on both my credit card accounts. In the meantime Bank of America is charging me late fees.
Product: Mortgage

I am applying for a loan with Chase Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ). I am buying a second home to live near my parents. Chase agreed to lock in my loan at 2.5 % with 20 % down and told me I was qualified. 

The loan officer said underwriting has questions regarding why I was buying another home nearby my current second home. I explained that this new home has a yard and is a single story. After multiple emails and calls, Chase finally gets back to me right before the close of escrow stating they will only offer me a loan at 30 % down and at a much higher rate of 3.375 %. 

I believe this was unscrupulous of the bank to entice me with a lower loan amount and then delay any correspondence until near the end of escrow with a much less favorable loan. 

My loan officer was XXXX XXXX XXXX
Product: Credit card

I am a victim of identity theft, and this is my official statement : someone has used my personal information fraudulently : 1. XXXX XXXX : Acct # XXXX, date opened : XX/XX/XXXX. balance : {$910.00} 2. Portfolio Recovery Associates : Acct ending # XXXX date : XX/XX/XXXX balance : {$1000.00} 3. Portfolio Recovery Associates : Acct ending # XXXX date : XX/XX/XXXX balance : {$1200.00}
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX, XXXX, Va. XXXX Have been sending me collection notices in the amount of Account Numbers ( XXXX {$380.00} ), ( XXXX {$330.00} ), ( XXXX {$540.00} ), and ( XXXX {$470.00} ). The collection has been reported as pass due balance I do not know this company. I have never done and business with this company. This company does not have a contact with my signature.
Product: Mortgage

XXXX XXXX : Called ditech regarding error on XX/XX/2019 Billing Statement. Billing Statement indicated Past Due Amount for XX/XX/2019. I advised Customer Rep. payment was made and check cleared by my financial institution. 
Customer rep. verified, advised statement was " mailed before payment was received. '' She could provide no reason why no notice of lack of payment and/or Notice of Late fees was mailed. 

I requested a duplicate statement reflecting an accurate account of the on-time payment, current balances of Principal and Escrow balances, as well, as the lack of late fee assessment. 

It is important to know the request for amended statement was based on prior experiences with this company and their lack of coordination and/or communication within and among departments. In addition, the company 's endorsement has been and will be required regarding insurance matters. 

However, there was a stipulation in the agreement that allows me to handle my own taxes that, in essence, allows ditech the option of reversal of payment through them, if it is deemed payments were not consistent. 

Based on previous experiences with ditech and their previous entities, this complaint is prophylactic in nature, as such alleging late payment history can trigger a reversion of my tax monies to their hands. 

I do not hold any confidence or trust in the performance and practices of ditech or their predecessors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on Transunion or XXXX  and I would like it to be reported accurately. XXXX is reporting the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all accounts reporting negatively on my credit profile. 
Delete and remove Dept OF ed / XXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing - delete Delete and remove Dept OF ed / XXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing - delete Delete and remove XXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing - delete Delete and remove XXXX XXXX - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing - delete Delete and remove XXXX  - XXXX missing historical details see evidence below mark as disputed, this account is reporting incorrect information deferred payment is missing - delete Provide all payment history for all of XXXX ( XXXX XXXX ), recent payment amount, date of first deliquency, date of payment received fix completeness and accuracy or delete Fair Credit Reporting Act, 15 U.S.C.A 1681-1681x ( west XXXX & XXXX ) ( fcra ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Remove all active fraud alerts on this credit profile Remove all restrictions on this credit profile
Product: Debt collection

I was terminated from my job. I got XXXX due not having medical insurance. I received a bill for {$9000.00}. Submitted paperwork to explain and get dismissed but no response. I didnt receive an exit interview.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and notice of inaccuracy I sent a letter to TransUnion XXXX XXXX put date XXXX again they sent me their investigation XXXX and said those accounts were verified XXXX and accurate according to 15 USC 1681 I5 XXXX I see that it states after any XXXX reinvestigation under paragraph one of XXXX any information disputed by a consumer XXXX an item of an item of the information is XXXX found to be inaccurate or incomplete XXXX can not be verified the credit bureaus XXXX did not reinvestigate and violated my XXXX rights
Product: Debt collection

A " XXXX '' phones and asks for XXXX XXXX, my fiance 's son, who does not live here. She wo n't give me the name of the company or a phone number or discuss what she wants and hangs up when questioned about anything. I have nothing to do with this and consider it harassment. I XXXX the phone call and am put on a repeating hold message with no company name given.