23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$11000.00}
Product: Credit card

On XX/XX/year>, I purchased meals onboard a XXXX flight using my XXXX XXXX XXXX for {$24.00}. The recent transaction appears as XXXX XXXX XXXX ONBOARD XXXX, XXXX XXXX XXXX of the cards benefits is {$100.00} annual domestic airline ancillary statement credit. In the past, onboard purchases were credited back to my card account within a few days. 

I contacted XXXX customer service XXXX weeks and then again several times at XXXX month after the purchase to inquire about the credit, each time getting the run-around with various agents offering different reasons for the delay. 

Its extremely disappointing that XXXX has not honored the benefit and that their service agents are not trained to properly handle a missing credit.
Product: Mortgage

My mortgage company ( Lakeview Loan Servicing ) has held my refund for over 2 months!!! They keep telling me that I will be receiving my check " next week '' and it has been two months later.
Product: Checking or savings account

I was charged NSFs from Navy Federal credit union. These fees were charged because I was under the impression that I had funds available when the funds were not. Navy Federal credit Union misrepresented what was in my account.
Product: Mortgage

We keep receiving various delinquent notices from the mortgage loan services Seterus Inc. with threats of foreclosure. On XXXX XXXX, 2015 we sent them a letter with proof of payment for the dates they claimed non payment was made. We make the payments via cashiers/official check so there would be no risk of the check " bouncing '' and payments are mailed via certified mail. We did n't hear back from them but we kept getting late notices and late fees added to our account. On XXXX XXXX, 2015, we sent an inquiry letter asking for status of our XX/XX/XXXX correspondence. Again, we received the standard letter that they are researching our issue. 

Now it 's XX/XX/XXXX, almost six months later and no resolution except for the continuation of the harrasing letters and late fees added to our account. Now they claim we owe for the months after we sent our XX/XX/XXXX letter. This is the second time in less than two years that this firm has put us through this headache. We have provided evidence of payment and they fail to recognize and/or properly apply our payments to our account.
Product: Credit card or prepaid card

In XX/XX/XXXX, American Express raised my APR to 28.99 %. Unfortunately, I did not become aware of this until XX/XX/XXXX. American Express states that it raised my APR to this amount due to a late payment. I normally make payments through the American Express mobile application or their website, and there may have been times where I mistakenly scheduled a payment past the due date. The company charges late fees, which I understand, but raising the APR to this astronomical amount is predatory behavior and directly impacts my ability to pay down this debt. 

I asked American Express to lower my APR back to the 12 % or 14 % that it was previously, and to credit or otherwise adjust my account balance to reflect interest fees at that APR. I felt this was a reasonable request, where I would still be responsible for interest fees at a still above-average rate due to my credit. I have had this account since XXXX, and have maintained the account in good standing the entire time. 

American Express refused to make any adjustments to the account, stating that it has a rigid policy that prohibits any exceptions, even though it recognized this rate as egregiously high. 

American Express 's own website provides guidance on debt settlement : https : //www.americanexpress.com/en-us/credit-cards/credit-intel/what-is-debt-settlement/ which states, " Create a realistic repayment or settlement proposal. Create a budget to determine how much you can pay. Although debts are typically settled as a percentage of the total balance owed, it can help to have a good idea of a concrete dollar amount. '' " Present your proposal to your creditor and negotiate. Negotiation will likely require persistence and persuasion. It might even take more than one call. Experts recommend having a clear, concise narrative when explaining your financial hardship '' I estimated the overage in interest charges to be approximately {$2500.00} since XX/XX/XXXX. Given my current balance is approximately {$3500.00}, I requested to settle my debt today with American Express at a reduced amount. I was told that American Express will not consider a settlement while my account remains active in good standing, and, moreover, closing my account while in good standing with an outstanding balance is also insufficient for them to consider a settlement offer. American Express is forcing me to consider delinquency and default, which will damage my credit, before it will even consider settlement on the outstanding debt, the majority of which is due to egregiously high interest charges.
Product: Debt collection

Afni debt collectors are trying to collect a debt that I do not owe. Moreover, this false debt was previously placed on my credit report and removed after I contacted the CFPB where XXXX XXXX XXXX acknowledged that this debt was placed in error and I did not owe anything. Over a year later AFNI must have bought this false debt ( that was removed ) and are trying to collect on false information. They have lowered my credit score in all 3 bureaus by 65 points for a debt I do not owe.
Product: Vehicle loan or lease

XX/XX/XXXX called and requested payoff amount to payoff XX/XX/XXXX. Amount given and paid in full XX/XX/XXXX XXXX checked online to make sure payment posted and {$24.00} late fee assessed. Called customer service and explained I was never informed there would be a late fee if paid XX/XX/XXXX and obviously amount not added to payoff amount. Requested the late fee be waived. Rep said he would request waiver. 
XXXX checked online fee still not waived called back told takes 24-48 hours XXXX checked online again still not posted called again informed that it was approved but they are waiting for it to be posted can take up to 4 days XX/XX/XXXX checked online again still not posted called back was told it was approved and they had some kind of system update causing issues please be patient. 
XX/XX/XXXX called and checked again no changes. A lot of apologies but no assistance. 
Called a few more times given the same story it has been approved waiting for it to be posted internal issues because of update apologies and request for patience. 
XX/XX/XXXX checked online again still not posted call again and request satisfaction department, speak to woman who acknowledges approved waiver says it has not been posted but she would put in request for release since it was approved should receive a fax copy in 48 hours. Never received XX/XX/XXXX called to 2 separate departments and was told NO managers to talk to department who posts credit gone for the day but they would send an email to have it reviewed and expedited, but release would not be issued until credit posted. 
3 weeks I have waited 3 weeks of being given the run around, 3 weeks of no one fixing the problem and 3+ weeks of waiting for a satisfaction because they cant fix problems on their own system update.

I and no one else should be punished because of their internal problems. I can not get clear title without a release from them to sell my car. It is unacceptable, they make promises and dont follow through, I am worried they are gon na report this on my credit as past due when it is paid in full. I have read numerous complaints about them and their predatory, unethical and useless customer service practices. They want their money and will ruin your credit to get it but wont complete the process once they receive their money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added to a XXXX XXXX Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling XXXX XXXX several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with XXXX XXXX with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, Equifax, and XXXX  and it is inaccurate. I do not have the credit card number.
Product: Debt collection

I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Deposited first paycheck from employer and was told that it was flagged as suspicious so they froze my account and said that in XXXX XXXX I would receive a check for the remaining balance. I have yet to receive that.
Product: Checking or savings account

I was called on XX/XX/XXXX from a USAA Number ( XXXX ) XXXX asking me about a fraudulent charge of {$63.00} made in XXXX Florida. I confirmed on my USAA app and found the charge, I didn't make this charge, and the person on the phone said they were going to cancel my debit card and send me a new one because they believed my card and account got hacked. In this process, they were asking me to verify information that they were reading off to me ; my address, phone number, email address. Asking if this information was accurate or not. As well during this time they had sent me two one-time security codes through the USAA security code number ( XXXX ) that i have been receiving security codes from USAA ever since I started banking with them four years ago. As well during the process I had received three emails from USAA in regard to the fraud attempts on my account. After verifying the security codes at some point they had asked me for my pin to my account ( a normal question USAA asks of there customers ) and i gave them my pin, they put me on hold and then during the hold time i received a notification from the same number ( XXXX ) that a wire transfer was initiated for {$26000.00} from my account. I told the person I didn't authorize that and they tried assuring me that this was part of the test for them to see if my account had been hacked. At this point it was far too late, but i realized i was being scammed and hung up and called USAA Fraud department immediately to report the case. USAA verified that no one from USAA had tried contacting me through their phone logs and that this was a scam and a fraud attack on my account. They put in the that this fraud wire transfer be investigated to try and get my money back through the bank. On XX/XX/2021, and after many phone calls from myself to USAA on checking the status of the investigation, they had told me the investigation was completed and no fraud was found. I will not be receiving my money back, even though I was a victim of fraud and they were utilizing USAA phone numbers, emails and one time codes. I filed a dispute against the outcome of the case, and they are as well putting the case under re-investigation. I have no been updated at this time. USAA on XX/XX/2021 sent an email to their members ( in which I didn't receive ) but my friends who bank with them did, on being alert to fraud and phishing attempts, showing they are aware people have been hacking or attempting fraud and scams on behalf of their bank. I would like to reiterate I did NOT receive this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX  reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXX  XXXX is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off Equifax : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Trans Union on XXXX XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN .

And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors.

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 ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.
Product: Credit reporting

I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?
Product: Student loan

A few years ago, I contacted XXXX XXXX / Navient about the Public Service Loan Forgiveness program. I asked if my loans were eligible, if they could be forgiven in 10 years, and I was told they were and would be. I was given the impression I needed to do nothing but wait until the 10 years was up when they would be automatically forgiven. Last year, I submitted the PSLF forms, however I never heard anything from XXXX XXXX / Navient. Recently, I called them only to discover that the loans are not technically eligible as they are ; they must first be consolidated and the 10-yr clock begins upon consolidation ( not when I began my XXXX ). 
The lender either originally lied or provided incomplete or misleading information. And this important but unstated detail may cost me as much as {$17000.00} ; had I known I needed to consolidate 3 years ago, I would have. Now, it is too late to benefit from the program ( for the loans managed by XXXX XXXX / Navient ). 
I also want to include my story into those that say lenders such as XXXX XXXX / Navient steered borrowers toward forbearance, which then capitalized interest. In a few instances, I may have put my loans into forbearance as my job status and pay were insecure ( XXXX part-time, without any security for pay or contract ), but these were always done without the appropriate information upfront that loans would be capitalized afterward. I agree that rather than forbearance, lenders should have been advising all possible options, including a lower payment given current income ( all loans have been eligible for IBR at the least ). In some cases, I still may have needed to take the forbearance. But who can make the best decision without all the appropriate information?