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

All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from XXXX and Equifax that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when Im reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources Equifax XX/XX/XXXX confirm # XXXX XXXX  XXXX and XXXX XX/XX/XXXX report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. 

Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX
Product: Debt collection

I went to the XXXX XXXX in XXXX, TX on XXXX occasions ( XXXX & XXXX 2015 XXXX to receive a set of immunizations. I have been billed and turned over to collections for a charge of {$180.00} that XXXX say that I owe. XXXX has a contract with XXXX, my insurance provider. XXXX has supplied the attached letter to XXXX and I have to the collection agency ( PMAB ) as well. Neither business will honor the letter and are continuing to call and harass me for payment. I have been battling with this issue since XXXX 2015 with no resolution. XXXX is extremely difficult to get in touch with. I had XXXX phone call from the XXXX billing office in XXXX 2015 and it took me leaving an angry voice mail for the billing office to call me back. The lady I spoke with was very rude and had no intention of working out the situation with me. She just kept telling me that I owed the money. 
I have finally gotten a dedicated XXXX supervisor working with me to resolve the situation. She has spoken with XXXX once and they have basically lied to her and told her I was informed that the immunization in question was not covered by my insurance and that I agreed to self-pay. The immunization in question is covered by XXXX, but not the " version '' of the shot they administered to me. They did not tell me that I would have to self-pay, and had they informed me that the immunization was {$180.00}, I would have left without it. No one in their right mind would pay {$180.00} for an immunization! In addition, this is a walk-in clinic and had they wanted me to self-pay, they would have had me pay up front, which they did not. They never mentioned any of this to me. I was not billed until after I returned a second time in early XXXX for the second round of the immunization. It has now been 6 and a half months and yesterday I received an email from XXXX saying that I owe {$380.00}. I believe that they are now charging me more because I have individuals calling on my behalf and they are angry so they have decided to bill me {$180.00} for the additional immunization booster. On top of all of this, I have failed to be fully immunized as I am not going to go back for my third and final round of the immunization because of their deceptive business practices. 
This business has deceptive business practices that I believe is unethical to the client. I do feel that my rights as a patient and a customer have been violated. I have a spotless credit rating and they are bound and determined to keep me in collections and place this against my credit. The collection agency ( PMAB ) who I have have spoken with on many occasions and sent them documentation does not care what XXXX says, they only " work '' for XXXX and will only listen to what they say. I desperately need some help to resolve this issue and hope that you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX XXXX breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Product: Credit card or prepaid card

After logging on to the Bank of America website to access my checking and savings account I was offered a platinum Visa card with a {$200.00} welcome bonus, which I filled out the online application to receive and was declined. I later received a letter in the mail from Bank of America stating the reason for the declination was their inability to verify my identity. 

While not stated as a reason for declination, for background information, I do have credit files with credit dating back more than 20 years, with each of the three bureaus. And though my credit files are somewhat thin, they do report open revolving XXXX and installment trade lines, with less than $ XXXX total debt, absolutely no derogatory information, no late payments, no collection accounts or public records and a credit score over XXXX. 

More to the point of Bank of America 's stated reason for declination, my name, address, SSN, phone and employer on all three credit reports match, exactly, the information I gave on the application, and none have any freezes or fraud alerts. 

MOST XXXX  of all, is that I filled out the application online, after logging in with the credentials assigned to me by Bank or America, for the checking and savings accounts I've had in good standing with them FOR SEVENTEEN YEARS, and for which their information on file for those accounts match exactly with the name, address, and SSN I gave in the application. 

So their claim that they can't identify who I am is nonsense. I responded to their declination letter in writing, to the address given in their letter to do so, with these very same points, and as of a month later, I have received no reply. 

Bank of America has not honored their offer of a XXXX card and {$200.00} welcome bonus, they have not given a truthful or legal reason for declination, and in addition they have cost me my time and multiple hard credit file inquiries, directly resulting in a lowered credit score on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency removed a previously disputed collection account from my file on or bewteen XX/XX/XXXX and XX/XX/XXXX. They then re-added it back to my credit file on XX/XX/XXXX. In the dispute, I asked for the original agreement from the creditor, an itemized list of what I allegedly owe, and a description of the investigation process. The credit bureau did not provide me with any of this information, so the file was removed from my report. Now that the file has been reinserted, I was not provided with a notice of reinsertion from the credit reporting agency about this account within 5 business days- which is, according to the FCRA, a serious violation. I was never provided with any communication from the credit reporting agency.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted TransUnion, XXXX, and XXXX to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX is advertising rates on their website they can not give to me. I am purchasing a home for {$650000.00}, putting down {$200000.00}, mortgaging {$450000.00}. I have a XXXX fico core. Their website says they can give me a rate of 3.75 %, XXXX points. When I called, the LO said he could not offer that to me because I was located in a High balance area but that he could offer me a rate of 4.25 %, XXXX points and they would offer to lower this rate by an .125 % if I would open up a checking account at a Citizens Branch and sign up for auto pay. 

How can a company misrepresent rates on their website?
Product: Credit reporting or other personal consumer reports

Ive started to do research on my credit report and Ive seen that I had fraudulent account 's opened without my permission or consent. XXXX account is from XXXX XXXX  # XXXX of {$780.00} dollars from dates XXXX and XXXX. This account is fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so XXXX and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Product: Debt collection

XXXX XXXX received payment for the dbet by selling and also recieved tax credits by filing 1099.
Product: Debt collection

I recently noticed suspicious accounts on my credit report, which I did not authorize. Please investigate and remove these fraudulent entries immediately.
Product: Vehicle loan or lease

I got an auto loan through XXXX via Bridge-crest XXXX summer 2022. The lender has charged me a {$30.00} NSF fee every month since I got my auto loan. I have spoken with my financial institution and was assured that payments were indeed made. even though my financial institution has proof of those payments being received by Bridgecrest, Bridgecrest has continued to charge me the fee. 

I have reached out to Bridgecrest every month with no real explanation being given as to why they are doing this. When I login to my Bridgecrest account, the payments were received. 


Please help!
Product: Credit card

In XXXX, I signed up for a credit card from American Express. The card, the XXXX, was being marketed with a sign-up offer of XXXX XXXX and XXXX XXXX Miles ( XXXX ). I only received half of each of those figures : XXXX SkyMiles and XXXX MQMs. I have contacted Amex several times, both over the phone and via their website. Each time, they have refused to admit a mistake and lengthened the time they expect their investigation to take. I have documentation of the offer, both directly from American Express ' website and from the company 's paid content on credit-card advisory websites. However, all of their agents have refused to look at this. Putting an exact value on the miles I am missing is difficult. The XXXX, which can be used for a variety of XXXX purchases, including airfare, are worth a minimum on XXXX cent each against XXXX fees and can be worth between one and one and a half cents when used for XXXX flights. Even using the conservative one-cent valuation, American Express ' mistake cost me {$350.00}. The XXXX XXXX XXXX are very difficult to value, as they are used to earn various privileges XXXX upgrades to XXXX, priority boarding, etc. ) on XXXX flights. At this point, I can find no way of putting a monetary value on them, so I have excluded them from my estimate of how much money I lost.
Product: Debt collection

- On or about XX/XX/2019, the Trust received from GC SERVICES LIMITED PARTNERSHIP ( GCSLP ) an unsolicited, one page presentment ( Exhibit 1 )  alleging an indebtedness owed by the Trust to an alleged identified as XXXX XXXX XXXX XXXX, XXXX. ( XXXX ). 

- In response, on XX/XX/2019 via USPS CERTIFIED MAIL, I sent to GCSLP a letter demanding the validation of the alleged debt and the production of and delivery to me the unaltered, unredacted, recto and verso, original instrument of indebtedness pursuant to my right and entitlement to an exercise of equity and legal right of subrogation. 

- Please see attached documents of proof of me sending the letter and its receipt by GCSLP. In addition to that, please note that they are ignoring my request to modify account as satisfied, paid as agreed, which would result in changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

- It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following financial institutions failure to access my ChexSystems report ( receiving a Third-Party Freeze Alert along with the QualiFile Score of XXXX and reason code XXXX ), I contacted ChexSystems over the phone in in XX/XX/XXXX. ChexSystems agent asserted that 1 ) given that there is no security freeze on my consumer file ChexSystems will provide my report if a financial institution requests it, 2 ) third parties information are not used and can not result in ChexSystems ' failure to generate report. 
In contrast with both of the above assertions, ChexSystems responded to a prior CFPB complaint ( XXXX ) asserting that they refused to generate a report requested by a financial institution ( XXXX XXXX ) although there was no security freeze on my ChexSystems consumer file. Furthermore, ChexSystems admitted that their refusal to provide the report was due to a freeze on my consumer profile at XXXX which is a separate and different consumer reporting agency ( a third party ). 
Not having XXXX information on file can not be a valid reason for refusing to generate a ChexSystems report. ChexSystems is expected to generate a report to reflect the information that they HAVE about a consumer. If ChexSystems does DOES NOT HAVE some information ( such as XXXX information ), they must simply produce a report without that information ( instead of refusing to generate a report at all ). 
For all future inquiries, I request ChexSystems to generate my report with whatever information they have on file at the time of financial institution inquiry. As soon as ChexSystems is ready and able to generate my report as requested, I would like them to contact ( email : XXXX, phone : XXXX ) and inform me so that I let the XXXX XXXX ( and potentially other financial institutions in future ) know that they can access my ChexSystems report upon inquiry. Finally, I request ChexSystems to merge and reduce all inquiries from XXXX XXXX into one inquiry, because the only reason that XXXX XXXX made multiple inquiries to open a checking account, was ChexSystems refusal to provide the report upon the Banks first inquiry.
Product: Student loan

I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

XXXX XXXX XXXX has been trying to collect on an account that does not belong to me. I have been harassed for years and they refuse to remove off my credit. Ive submitted a police report. Ive never lived in the northeast where apparently the bank account was tied to.
Product: Mortgage

My spouse and I have had a VA mortgage with Amerihome since XXXX. We were listed as Joint Tenants on the deed. In XXXX of XXXX, my spouse passed away. In XXXX of XXXX, I refinanced the loan with another mortgage lender to remove my deceased spouses name from the deed and the loan. I paid the loan in full in XXXX of XXXX. There was an overpayment in the amount of {$5400.00}. I have been trying to recoup that amount since XXXX of XXXX. They sent me the balance in my husbands name in XXXX and I called and requested it be sent in my name since he was deceased and I could not cash it. They said they would. They then sent me the same check again in my deceased husbands name. I again called and said I needed it in my name, I could not cash a check made out to my deceased husband. They said they needed to make me successor on interest on the loan to make the check payable to me. I asked if we could start that process and asked for the documents needed. They requested my spouses death certificate, my ID, and a letter from the court. I submitted my spouses death certificate, my drivers license, and a letter from his estate naming me as the administratix. Later, they sent me a check made out to The Estate of XXXX XXXX. I called again and stated that his estate had been closed in XXXX and I could not cash the check and said I needed it in my name. They said they needed to make me successor of interest. I said I had already spoken to them about that and done what they asked. They said they didnt have enough documentation and the letter from the court wasnt sufficient, although I verified with the court and a real estate attorney that the document I submitted was the correct document to add my as successor of interest. At this point, I have called them every month since XX/XX/XXXX, and it is now XXXX. Every time I call im either told, the check is coming, or they dont have what they need and I will be asked for something new that was never requested prior. In XXXX they requested the current deed to the home to show I am the owner. I sent them - the Affadavit - Death of Joint Tenant ( by surviving spouse ) and the current Grant of Deed showing me as the new owner. I called on XX/XX/XXXX and the man I spoke with said they had everything they needed and I would be added and the check sent out. I just received a letter in the mail today, XX/XX/XXXX, stating they need the old deed showing us as joint tenants. I called and they are saying they can not add me as successor without that deed, although that has never been asked of me until now, they had possession of that deed the entire time they were the lender for the property, and they have the affidavit documents showing that we were indeed joint tenants and the property was transferred to me. At this point, I dont know what to do. It genuinely seems as if they are TRYING not to return my money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$12000.00}