23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I spoke with Bank of America on XX/XX/year>, about a charge that appeared on my credit card of the amount of {$290.00}... I had Paid Off the balance approximately 4 or 5 days prior to the card 's due date, and had a XXXX XXXX showing for approximately 3 days on Bank of America 's website... I thought since I Paid the Balance that was Due in Full that I was done with payments and Free and Clear of this debt... When I checked my Bank of America on approximately the XXXX day after paying the account in Full, there was a charge for {$290.00}... I then called Bank of America to find out about this charge and was told it was an Interest Charge... I asked for what, because I had Paid Off the account in Full days prior to the Due Date, and I Paid the Exact Amount that it said I owed and couldn't understand why I had received this Interest Charge... I was told the new balance reflected Interest... I don't understand if I Paid the Full Amount in Full why I am being charged the {$290.00}... If this was correct, Bank of America should have listed in Plain Site the Full Payoff Amount... I feel that I am being Legally Robbed and Unfairly Billed since I Paid the Amount Due on the Bank of America website in Full... I believe that this is Deceptive Trickery on part of Bank of America.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX - XXXX {$180.00} 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: Prepaid card

I received a gift card with an expiration date 2 months from when I received it. I never got a chance to register or use the card. I called the number on the back and spoke with a customer service rep named XXXX. She said I had to contact the distributor of the card XXXX, not answering when I asked why the number on the back of the card went to her and not this other company. She did not give me a number or connect me with them. Whats the point of customer service if they dont help with issue I was calling about?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Product: Student loan

I applied for a loan consolidation on XXXX XX/XX/2023 to consolidate XXXX federal student aid loans. XXXX loan was with XXXX and the other loan was with EdFinancial. I requested that my final servicer be XXXX so XXXX processed my consolidation request. XXXX successfully consolidated the loan originally held by themselves and transferred it to XXXX on XXXX XX/XX/2023. However, in processing that consolidation, the new loan that was transferred to XXXX was incorrectly assigned the same loan ID number as the existing loan held by EdFinancial. This resulted in the existing EdFinancial loan data being overwritten and obliterated from the National Student Loan Database System ( XXXX ). XXXX subsequently attempted to payoff my EdFinancial loan but EdFinancial rejected the payoff because there was no longer any record of that loan in the XXXX. XXXX continued to make approximately XXXX more payoff attempts over the course of the next XXXX months without really trying to determine why the payoffs were being rejected. Additionally, EdFinancial made no attempt to determine why XXXX kept trying to send them payoff monies. 
Because of these mistakes made by XXXX and EdFinancial, my loan at EdFinancial began accruing interest on XXXX XX/XX/2023. Throughout the period from XXXX XX/XX/2023 to XXXX XX/XX/2023, I made multiple inquiries and attempts to correct this problem and actually notified XXXX and EdFinancial of what the problem was. Finally, on XXXX XX/XX/2023, XXXX sent the payoff funds and EdFinancial accepted said funds to pay off my loan with EdFinancial. XXXX then added the EdFinancial loan to the existing consolidation loan at XXXX. However, because the XXXX payment pause ended XXXX XX/XX/2023, I incurred interest accrual on the EdFinancial loan totaling {$250.00}. This accrued interest was capitalized onto my EdFinancial loan as part of the loan payoff and consolidation. I should not have to pay this capitalized interest because of mistakes and errors made by EdFinancial, XXXX, and the Department of Education in processing my consolidation request. Since my original consolidation request was made XXXX XX/XX/2023, there was more than sufficient time for XXXX and EdFinancial to complete my consolidation before the resumption of interest accrual on XXXX XX/XX/2023. Therefore, I request that this {$250.00} in capitalized interest be removed from my loan balance and all subsequent interest charges be recalculated based on my lower and correct principal balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Rental Payment Information Dear TransUnion, I am writing to formally dispute the incomplete and inaccurate reporting of my rental payment information on my credit report, as provided through AnnualCreditReport.com. Specifically, my rental account with XXXX ( Account ID : XXXX ) has not been updated to reflect my on-time payments for XXXX and XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), credit reporting agencies are required to maintain accurate and complete information on consumer credit reports. The failure to update my timely rental payments constitutes an error that may negatively affect my credit history. 

The details of the disputed account are as follows : Creditor Name : XXXX Account ID : XXXX Type : Rental Agreement Discrepancy : Missing payment updates for XXXX and XX/XX/XXXX I have attached supporting documentation to verify my claims, including payment receipts for XXXX and XX/XX/XXXX. 

Please investigate this matter and update my credit report to reflect accurate information. I request that you notify me of the resolution of this dispute within the timeline required under the FCRA. 

Thank you for your prompt attention to this matter. 

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

XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Product: Mortgage

My mortgage was previously through XXXX XXXX XXXX. I received notification that the mortgage now belongs to New Residential. I have never missed a payment with XXXX and my escrow was always in the positive. 

I just received my first bill from New Residential and my mortgage payment increased from XXXX to XXXX with no explanation why. 

The payment is due in less than two weeks.

I contacted New Residential and asked why there was a significant increase. They advised that XXXX and made a mistake and wasn't billing me properly and that I owed a significant amount of money to escrow. They were unable to provide me with exact numbers but said that i should receive an analysis in the mail within 7 days. 

They also stated that I am responsible for these errors made on XXXX 's behalf. 

I can not afford this payment moving forward and will most likely go into foreclosure due to this significant increase. 

They are stating that my monthly escrow payment is approximately now going to be {$1000.00}. 

My homeowners is is {$3500.00} a year Town Taxes are {$1900.00} a year School Taxes are {$2700.00} a year This comes out to {$8200.00} a year {$680.00} a month.
Product: Debt collection

I reviewed my credit report on XX/XX/2019 and discovered Procollect , Inc collection account # XXXX. 

XX/XX/2019- Sent Validation request to Procollect XXXX Reviewed XXXX  credit report Procollect account is still reflecting, although I I received no validation of debt from Procollect
Product: Credit reporting or other personal consumer reports

These fraudulent inquires were made. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  / XXXX  Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  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 reporting, credit repair services, or other personal consumer reports

These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.
Product: Bank account or service

I closed out my bank account over 3 years ago. At that time I turned in my keys to my safe deposit box. They continually send me bills for the safe deposit box that I do n't have and closed out correctly. The bills have added up to {$240.00}. 
I do n't owe this and contacted them in writing several times only to be ignored. 
My name is XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX. The Bank is Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX My email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint submitted on case # XXXX Transunion and previous complaint submitted on case # XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXXXXXX XXXX ) If an investigation was conducted, XXXX and Transunion they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX therefore XXXX just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXX XXXX bank themselves voided the contract and changed the terms due to their violations of federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. HXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, my account is being reported incorrectly. There are open and closed accounts thats showing a balance According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting the updates, below will be the list of accounts thats needs to be removed, XXXX XXXX Experian/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The late payments listed don't align with my consistent payment history.
Product: Credit reporting or other personal consumer reports

I checked my email on XX/XX/2024 and I noticed an alert from " Experian '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report " XXXX '' " XXXX '' and " Experian ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed due to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the Tracking Number to XXXX XXXX XXXX XXXX XXXX XXXX and Tracking Number XXXX XXXX XXXX XXXX XXXX to Experian and XXXX asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit card

I have always made sure payments on this account are timely, never allowing them to become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

I was contacted on XX/XX/XXXX by a XXXX XXXX with XXXX XXXX XXXX in regards to a debt she claims i owe prior to XXXX with HSBC Bank XXXX ending in XXXX with balance of {$2000.00}. Her contact info was XXXX which is losted as an XXXX XXXX XXXX, she also gave a XXXX number and address of XXXX XXXX XXXX XXXX Georgia, she stated i was being sued before statue of limitations. She answered all phone calls herself and was very sketchy. I do not see any open accounts on my credit report for such bank or balance. I feel something is not right. Looked up address and name and no address or name found. She is not foreign and that throws me off, hoping to get clarification on this matter, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax I did not dispute this account it needs to be places back on the report! 

XXXX XXXX  These XXXX you are reporting as illegal XXXX has been re-aged Thank you verry much REMOVE XXXX PUT XXXX BACK PLEASE AND I THANK YOU
Product: Money transfer, virtual currency, or money service

I received a check for {$1900.00} because I was going to sell some furniture in XXXX. When my wife went to deposit the check, all the fu ss were available the next day. So I told the person to proceed with the purchased because the funds were now available. The next day, that person sends me a text and tells me that he had an emergency and that he needed the money back so I sent it to him via XXXX.to 2 different accounts. I sent {$700.00} to the account with the email address XXXX and {$1100.00} to the account with the email address XXXX and that afternoon I get a notification from the bank saying that my account was -XXXX so I called and ask them what happened and that I made those transaction because the funds were available, but they said that the check was a bad check, but they said they could not return my money that I had to file a complaint with yall. That is all the money we had and now it got stolen. The number they texted me from is XXXX this transactions took place in the past 2 days
Product: Debt collection

XXXX XXXX, XXXX acting as XXXX at the XXXX  XXXX  ( Apartments ) and along with GENESIS Credit Collection are saying a Judge  ruled in favor of a collection bill, and this is false, as the small claims lawsuit  was brought by my self and was for failure to return return deposit. XXXX XXXX, XXXX is saying the Judge ruled that it was fair to send account into collections and this is completely false. On XX/XX/2020 XXXX XXXX, XXXX mailed me : " Good afternoon Mr. XXXX, Please find attached the final judgment received from the court. You will note that defendant XXXX XXXX XXXX is the prevailing party in this matter. The account is now in collections. You may contact Genesis at XXXX to discuss payment for the balance of {$450.00}. '' This judgement  does not give right to XXXX XXXX to send money into collections or to bill me for anything.