23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A couple months ago I got the XXXX credit card trying to rebuild my credit. The first month I used it. I paid it off. Everything was fine XXXX. I used it paid it off. Everything was fine. I live on a XXXX. I paid this card off on XX/XX/XXXX {$700.00}. They tell me the credit will not be available until XXXX XXXX. My power has been shut off. My car is behind. I beg them do not punish me for paying my card off early trying to rebuild my credit. I let them know my power was about to be shut off. They asked me could I already the money from someone else. There should not be a penalty for paying your card off early trying to rebuild your credit instead theyre holding the credit so it will build interest. I can understand if I had been late or just didnt make a payment but now because I paid the card off early with all of my XXXX, I am stuck with no money to eat gas power Car payment will be late. That is {$80.00} a day. Its not fair is not right I beg them for close to an hour asked to speak to several supervisors supervisor was not available. They said they would call me the next day to my knowledge. No one has called me. This is not fair for people that are XXXX and trying to rebuild their lives. One step forward 10 back.
Product: Credit card or prepaid card

On XX/XX/XXXX my car along with some of my neighbors cars were broken into, and my phone and wallet was taken. Police was called where a report was filed and my phone company was notified. Neighbors reached out that same day saying the found some of my cards in the bush on my street, because of my work schedule and theirs I couldnt meet with them until the XX/XX/XXXX to get it. On XX/XX/XXXX I contacted my bank due to my American Express not being part of the cards that were located. They rep told me of transactions made on the account on XX/XX/XXXX. I informed the rep what happened and she filed a dispute. American Express denied my dispute and I refilled it in which the denied it again. I reached out to the police and merchants In question and they told me to contact my bank. I contacted my bank again and she told me to send information that shows my phone was stolen in which I did. After speaking with a rep and supervisor, they told me they will file an appeal. Later, I was informed they cant file an appeal because it shows the phone that was stolen was an XXXX phone and it says on my dispute I had never done business with XXXX Pay before. I informed the rep that the phone stolen was an XXXX phone but I have never done business with XXXX Pay, nor is any of my cards linked to them. She says because I had an XXXX phone that was stolen they can not appeal my claim for {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a mortgage refinance with XXXX Mortgage XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX Mortgage decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to XXXX and a mortgage appeared in my personal XXXX account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX Mortgage within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both XXXX and XXXX Mortgage to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for XXXX to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both XXXX and XXXX Mortgage that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Product: Credit reporting

I have disputed XXXX with Experian that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Experian that I have sent certified mail via USPS to address on file with Experian and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Experian to delete item from my credit report as unverifiable, but Experian has once replied This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Experian with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Experian blatantly ignored my request. I asked that Experian provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores.
Product: Student loan

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Self Financial Inc/ LEA, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Launch Servicing bought a loan from XXXX starting XX/XX/202 for our Solar installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXXXXXX XXXX payment over to Launch on XX/XX/XXXX. Launch has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made my payment directly on the MACU website in advance of the due XX/XX/2023 date to pay the balance in full to {$0.00}. They still charged me {$270.00} in interest. They are stating it is because the interest that was charged was accrued from XXXX XXXX XX/XX/XXXX from the balance transfers that were made in XXXX. I had no idea that balance transfers do not have a grace period before interest starts accruing like purchases do. If this was disclosed at all, it is buried in the fine print somewhere and not easy to find or know from a customers perspective. It is very unfair to charge customer interest this way as most banks do not charge interest if a balance is paid in full before the due date regardless of whether it's a balance transfer or purchase. At the end of the day, I paid this balance in full prior to the due date and it's very unfair to still assess a customer interest when they did the right thing.
Product: Checking or savings account

i received a letter stating that the banking institution decided to close my account and when i called asking what the reason may be for the closing of my account i was informed that there wasn't a reason notated on my account. This institution provided no reason and nothing was broken from the service agreement.
Product: Bank account or service

I opened a small business checking account with Citizens Bank two months ago, and deposited XXXX checks into this account exactly four business days ago, on Friday, XXXX XXXX, using their mobile deposit feature. When I completed the deposit, the confirmation said that I should expect to have access to these funds within XXXX4 business days. Today ( Tuesday, XXXX XXXX, 3 business days later ), I checked the account only to find that my XXXX deposits are now expected to clear on XXXX XXXX, a full 9 business days from the date I deposited them. As a small business, this is a ridiculously long time to wait for a relatively small amount of money to clear, so I called Citizens Bank customer service to see if they could do something to speed it up. The answer I got was that they were unable to contact the XXXX banks who issued the checks I deposited ( XXXX XXXX XXXX and XXXX Bank ) in order to clear the checks, and that the only way they could speed up the process was if I called these banks personally, obtained the direct phone numbers of the people who are responsible for clearing checks, and then called Citizens back to give them these phone numbers so they can call too and clear the checks. Unfortunately, I do not have the time to do this, and since I am a new customer for Citizens Bank and this is my first deposit, I can probably assume that this will be my experience with them in the future as well. At this point, thanks to Citizens Bank I can not use my funds for the next two weeks, which is causing significant difficulty in my business operations. 

I do n't know whether it is legal for them to hold my funds for such long periods of time ( 9 business days or more ), but this is not a practical solution for my business, so I will be closing my business account with Citizens as soon as I can, and finding another institution.
Product: Credit reporting or other personal consumer reports

Trans Union has failed to conduct its investigation within 35 days in accordance with FCRA 611 ( a ) ( 1 ) ( A ) and is compelled to DELETE both accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. 

I disputed these ( 2 ) accounts via CFPB # XXXX on. XX/XX/2024 and Trans Union acknowledged receipt on XX/XX/2024 and forwarded me results on XX/XX/2024 via CFPB XXXXThis is a blatant VIOLATION of FCRA XXXX XXXX. 
Trans Union FAILED to conduct their investigation within the 35 day time period required by LAW. 
The LAW states that Trans Union must delete both accounts due to. its untimely violation ( s ).
Product: Student loan

I was enrolled in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and completed the years of service to pay off my remaining student loan. XXXX XXXX XXXX XXXX XXXX sent a check # XXXX to Nelnet in the amount of {$94000.00} to be split between myself and XXXX other recipients with my allocation {$33000.00} ( see attachment XXXX ). This check was cashed by Nelnet on XX/XX/XXXX per XXXX  XXXX XXXX XXXX. I continued to pay on Nelnet with {$600.00} of additional payments with current balance of {$32000.00}. 

XX/XX/XXXX - I called Nelnet and inquired about payment that should have been posted. Investigating this issue and put student loan in forebearance in the meantime. 
XX/XX/XXXX - I called Nelnet and were able to locate the check that was received and cashed XX/XX/XXXX. I was informed this XXXX take 30 days to post to my account. 
XX/XX/XXXX - I called Nelnet and stated they would escalate to leadership team and to check back within XXXX days. 
XX/XX/XXXX - I called Nelnet and stated it would take longer to post to my account and will escalate to leadership team. 
XX/XX/XXXX - I filed a complaint with Nelnet regarding this issue and received response stating my loans are moving to XXXX XXXX ( see attachment XXXX ). 
XX/XX/XXXX - I called Nelnet and still no updates. Told to call back in XXXX days for update. 
XX/XX/XXXX - My loan transferred from Nelnet to XXXX XXXX per Nelnet changes. 
XX/XX/XXXX - I called XXXX XXXX customer service and was told to submit a copy of the check to Submit my forms ( see attachment XXXX ). I was told this was sent to the leadership group for escalation as I am trying to buy a home. This account is still showing as a debt on my credit profile and should have been paid XX/XX/XXXX. 
XX/XX/XXXX - I called XXXX XXXX customer service and do not see my Submit my form showing proof of the check from the XXXX  XXXX XXXX XXXX. I was sent to a supervisor 's voicemail. I called back requesting to speak to a supervisor in person. I was told the supervisor was on a call with another customer and would call me back. I have not received a call back. 

I am very frustrated that Nelnet cashed the check intended for my account and still has no brought my account up to date since XX/XX/XXXX. I am getting no where with Nelnet and has since shifted my loan to XXXX XXXX. Please help me receive the money that is due and I worked hard to get paid off for 5 years. 

Nelnet/XXXX  XXXX Account XXXX XXXX XXXX ( see attached XXXX statements XXXX & XXXX ). 

Please don't hesitate to contact me for further details. I hope you are able to hold Nelnet/XXXX  XXXX accountable for mismanagement of allocation of funds owed to me. 

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

Beginning of XX/XX/2019, I got an alert from my bank and XXXX XXXX XXXX via XXXX XXXX  that there was a change in my credit score. I looked it up and my credit dropped XXXX points. It stated that the XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX began a new line of credit or account to my credit report. After inquiring about the collections report we found out it was from XXXX XXXX in XXXX XXXX XXXX, FL. After calling them, we then found out that they had been sending my bill to the incorrect address. An incorrect address that I had never lived at. We then sent them a copy of my drivers license ( for correct address proof even though they were the ones who entered the address incorrectly ) and set up a payment plan. They never spoke with us before putting us into collections and we never received the bills. It is still on my credit report even though my husband I have repeatedly tried to contact XXXX and XXXX XXXX XXXX XXXX XXXX telling them it was not our mistake. I was even spoken to like a criminal by the XXXX XXXX XXXX XXXX. thank you so much for any help you can provide.
Product: Mortgage

I am seeking assistance in regards to my mortgage with SPS. I have a potential short sale that we would like to complete with the lender SPS. I initially reached out to them on multiple occasions seeking assistance and was advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. I immediately advised my financial adviser that they were unwilling to help with getting a loan modification approved in order to keep the property. My adviser stated that we should submit a formal compliant as I was never served with any notice of foreclosure sale paperwork. This property has been in my family for multiple generations and has become a family heirloom. I worked together with the lender on submitting multiple completed loan modification packages with all financials, addendum 's, forms and contracts needed in order to complete a formal review but was subsequently denied. We are asking that provide us with a 45-60 day foreclosure stay in order to allow for a complete review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. Please help us obtain postponement in order to allow enough time to complete a short sale review as my property was listed for sale on XXXX XXXX, XXXX in preparation to complete a short sale on my property as it is simply no longer worth what I owe the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Product: Credit reporting

I have been a victim of Transunion 's Inquiry issue. I called to speak with them about the removal of these Inquiries and customer service was unable to help me. 
Here are the Inquiries as followed 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/XXXX
Product: Checking or savings account

I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.
Product: Debt collection

Called on : XX/XX/XXXX at XXXX XXXX  I received a call reporting to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I am to contact a legal group about a debt. They provided no information on what the debt is for, but said I had 24 hours to reply or they will take me to court. I requested documentation on the matter and they said to reach out to the law firm. 

Law firm in question is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. 
Website which looks fake - XXXX XXXX XXXX  Called their number, left a message and had no call back. 

Call 2 : XX/XX/XXXX at XXXX XXXX  Received a call in the morning from " XXXX XXXX '' saying that they have not been told of any actions and that I will be taken to court if this is not done by tonight. 
15 minutes later I am then called back about the so called debt which they refuse to provide me documentation outside of an email. They asked to verify my last 4 social, which is all that ever shows up on letters or other reports and my email. He was very unprofessional. 

Current balance : {$590.00} ( {$290.00} x 2 MONTHLY ) Settlement offer : {$510.00} The email ( copied below ) does not give any history of the loan other than the company name 'Ace Cash Express ' and that I should pay over the phone immediately or be taken to court. The 'lawyer ' also said he is pushing to go to court to make more money. So refusing to provide me proper documentation for personal gain. 

Email came from : XXXX XXXX XXXX I feel I am to assume that all lawyers there use the same email address. 
XXXX Email received : Please be advised that all rights and obligations of the aforementioned account are with XXXX, XXXX XXXX  XXXX. Our office has retained the rights to assist you in bringing your delinquent account to a close. 

You are being offered a settlement to close your account for {$510.00}. Once the payment ( s ) post to your account : it will be considered Paid in Full. Payments can be processed over the phone with a pre-paid, debit card or credit card on or before XX/XX/XXXX. If funds are charged back, this letter will be null and void. 
If you have any questions relative to the above referenced account, please do not hesitate to contact our office @ ( XXXX ) XXXX, Monday through Friday XXXX. Please refer to the file number indicated above. 

Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Payment history is invalid or incorrect/ inaccurate. 

XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX 90 DAYS LATE ON TU & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON TU & NO ACCOUNT TYPE ON XXXX BUT TU HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted