23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Best Buy store card ( owned by Citibank ) received my payment of {$100.00} on XX/XX/XXXX. I got email confirm of payment, and the account showed a total balance left on the card of {$320.00}. The email confirm from Best Buy card was received by me on XX/XX/XXXX and showed the {$320.00} balance left on card. 

My account statement ( which appears to have been mailed XX/XX/XXXX ) arrived at my address XX/XX/XXXX and showed an account balance on the card of {$530.00}, which included interest charged on the account of {$200.00}. I can not believe the interest charge and I have called both Best Buy and Citibank, but can not get through either on the phone or on either website. This is outrageous! 

I was laid of three weeks ago due to CV-19 and do not have any income ( I am currently awaiting unemployment as my previous employer is supposed to call me back when this pandemic ends ). I still can not believe Best Buy and Citibank did this to me. I don't understand why this was done to me and can not get any answers. 

I am refusing to pay the outrageous interest, and don't understand how I can be charged 39 % interest on this card. My understanding is that interest, fees, and penalties are waived during this pandemic. 

Can you help me? I need to know how this happened to me. Thanks for any help you can offer.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX  plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to ask for the following item to be investigated. XXXX XXXX XXXX XXXX XXXXXXXX - I advised them that the collection is reporting inaccurately. - I do not know what this is. Please investigate and remove from my report. It has been over 60 day and I have not recieved any communication and by law they should remove but they havent.
Product: Credit reporting

Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.
Product: Credit reporting

Has listed used name as : XXXX XXXX XXXX. 
I have never used this name
Product: Money transfer, virtual currency, or money service

Took money off my card with out my knowledge never sent it back XXXX still waiting until this day
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand for the immediate removal of unauthorized hard inquiries from my credit report, as outlined in my previous communication. I have thoroughly reviewed my report and identified several inquiries that were made without my authorization or explicit consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit score and reputation.
Product: Credit reporting or other personal consumer reports

XXXX Privacy Act of XXXX  ( XXXX XXXX Code XXXX ) The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Product: Mortgage

I was unemployed from XX/XX/XXXX of 2021 to XX/XX/XXXX of 2021 as a XXXX XXXX  XXXX veteran and due to negative impacts of COVID-19. I received forbearance relief from 3 of 4 mortgage companies I held mortgages with. The 3 mortgage companies acknowledged my circumstances and need for relief as it related to COVID-19. The 4th mortgage company, LHM FinancialXXXX XXXX is denying forbearance retroactively or forgiveness of two late payments to mend the negative credit information submitted to the bureaus. I was late paying XXXX and XXXX and have requested forbearance to cover the time of those late payments or to forgive the lateness for the payments. A forgiveness of the two late payments will be a simple solution that will allow me to mend the negative information on my credit report. I have sold a property to ensure I am not delinquent on any payments going forward and to come current with LHM. LHM Financial sent me paperwork via USPS to fill out to apply for relief in XXXX. I provided more than 200 pages of information relative to my circumstances to be approved for relief. I mailed in the full complement of paperwork requested for a forbearance and it was received by the receptionist on XX/XX/XXXX at XXXX XXXX via XXXX. The amounts of the XXXX and XXXX payments individually were {$1600.00}. The total I paid to LHM Financial to come current on my account on XX/XX/2021 was {$5000.00}. My account manager at LHM is XXXX XXXX and his number is XXXX extension XXXX. XXXX has never returned my phone calls or inquiries despite my efforts to reach him over the course of the past 4 months. He continues to pass messages to customer service representatives that the " investor '' is not granting forbearance to anyone. He will not speak to me directly. I have tried calling to reach XXXX more than 30 times to discuss my options during the time I could not make payments. I am current for the mortgage and have the means necessary to not be delinquent again. As is evidence from the other 3 mortgage companies, I should be protected by the CARES Act.
Product: Mortgage

Mortgage Loan # : XXXX SPS - Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service : XXXX Dear CFPB XXXX, I have paid in full my mortgage loan on XX/XX/year>, and I have received the XXXX XXXXXXXX XXXX XXXX  Lien Release letter , but up to today I have called SPS multiple times nearly daily for my ESCROW refund check which should be {$5700.00} but everyone in SPS has been telling me " It's under review and there is no estimated time of release of this check. '' Please help me to contact this loan servicing company to issue my XXXX refund. 

Below is my contact information : Name : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Student loan

The company placed me on administrative forbearance without my permission for the month of XX/XX/year>. Due to this forbearance my XX/XX/year> payment does not count towards my PSLF progress. After several calls and attempts to remove this payment from forbearance, the company refuses to do so.
Product: Credit card

Subject : Misinformation by Bank of America Leading to Unfair Late Fees and Interest Charges I am filing this complaint against Bank of America regarding interest charges totaling approximately {$200.00}, which I incurred due to repeated misinformation provided by their customer service representatives. 

1. Misinformation on Payment Dates : On XX/XX/XXXX ( the due date of my payment ), I called Bank of America to confirm what I needed to pay to avoid interest charges. The representative explicitly informed me that I had until the statement closing date ( XX/XX/XXXX ) to make my payment without incurring fees or interest. Acting in good faith on this guidance, I paid after the due date but before the statement closing date. Per the screenshots I sent, I kept calling month after month for specification on how much to pay. Paying after the due date would defeat the purpose of calling in the first place.

Also, Although the interest charged aligns with the APR terms, the charges were incurred due to misinformation by a Bank of America representative. This complaint is about how the charges were incurred due to misinformation, not the amount of the interest itself. The misinformation directly caused four months of avoidable interest charges -- for XXXX, XXXX, and XXXX ; I will also incur another interest charge in XX/XX/XXXX. They keep quoting their policy to me, but had their representative, who was acting on behalf of the bank, not misinformed me to begin with, this would never have happened. So, ultimately, the misinformation favored the bank, but hurt me. 

2. Continued Misinformation : During subsequent calls in XXXX and XXXX, Bank of America representatives provided inconsistent and incorrect payoff amounts, further compounding the issue. Despite my attempts to resolve this, the bank has refused to refund the charges, stating that I should have relied on my statement rather than their representatives guidance. 

3. Unfair Financial Harm : As a long-standing customer with a history of responsible credit usage, I have never faced such charges before. This issue is entirely due to the misinformation provided by Bank of Americas employees, which I trusted in good faith.

Steps Ive Taken : I attempted to resolve this matter directly with Bank of America through multiple calls and escalations. They have refused to waive or refund the charges, citing their policy rather than addressing the core issue of misinformation.

Attachments : 1. Screenshots of statements showing interest charges for XXXX, XXXX, and XXXX. 
2. Records of payment history showing payments made before the due date and statement closing date.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

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. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

This company continues to place inquires on my credit and moves the date of service to keep the debt current.
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to Experian they keep telling me that the information is verified and theyre not provided me proof the way of the documentation to show that this is my actual debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I made a return on this card on XX/XX/18 for the amount of {$110.00}. They only refunded me {$20.00} on this as soon as that posted. When I called them they gave me the runaround on this. They finally transferred me to a XXXX XXXX who gave me more of a runaround. When asked about this, he told me it was because it was a dispute. I told him that it was just a return. Then he said that he was on the wrong screen. When he supposedly got on the right screen he said it was because these are entered manually. I asked why {$20.00} and not the who amount. He said it should be there in XXXX hours. Still no refund. 

I have suspected this company of cheating me before. When I asked them they asked if I had proof. I said no. This time I have pictures on my phone of all the transactions every day. I used this card for everyday purchases as opposed to my bank card. I have asked this company for daily balance sheet. They say they can not provide that to me and that they cant see one either. They have said that is because their management does not make it available to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$990.00} XX/XX/year> XXXX XXXX {$1100.00} XX/XX/year> XXXX XXXX {$1400.00} XX/XX/year> XXXX XXXX  {$1400.00} XX/XX/year> I have tried to reached out to this company many times but respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with Lendkey Technologies. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with Lendkey Technologies directly but they were unable to fix it and asked me to officially dispute.

I sent my original complaint directly to Lendkey Technologies, via first class and certified mail, to three separate addresses supplied by Lendkey. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from Lendkey and it has been almost two months.
Product: Payday loan, title loan, or personal loan

In XXXX I purchased a XXXX XXXX XXXX, VIN # XXXX and borrowed money from HSBC Bank XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I paid the loan in full in XXXX and neither the State of Maine Department of Motor Vehicles nor I have received a Release of Lien. 

I was able to talk with a representative of the Bank one time and was told they show no record that I owe that institution any money. I asked that a contact, either an email or a letter, be sent to the Department of Motor Vehicles. I was told that it was impossible because they have no record of the original loan since it has been so long ago. 

I have tried to contact HSBC Bank several times since then and have had no success. The motorcycle has been in storage for several years since I am unable to clear the title. I have a potential buyer for the bike and the new owner wants a clear title so he can register it and be able to ride it. 

Please inform me what I can do to clear up this issue. Thank you for your help. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXl account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX Bank XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Ive tried calling and reaching out to the companys either no one answers or the XXXX is busy or the number is not in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed the following account with the credit bureau ( XXXX  ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Product: Credit card

On XXXX XXXX I received a charge from XXXX for {$180.00}, which I disputed through my credit card issuer, American Express. I received a provisional credit from American Express on XXXX XXXX. Upon receipt of a refund check from XXXX I contacted American Express to reverse the billing dispute on XXXX XXXX, which lead to a fee being charged to my card by American Express in the amount of {$180.00}, which I was told would be forwarded to the merchant. Upon receiving collections notices from the merchant, XXXX XXXX, I opened an inquiry with American Express and it was determined that the original dispute was not properly closed and would need to be rebilled. On XXXX XXXX a charge for {$180.00} showed up on my credit card, and was tagged with the merchant information. I then contacted American Express to reverse the {$180.00} fee that was manually added to my card, but they have closed, opened, and closed out the dispute and have given me the run around on resolving this issue. 

XXXX Fee that needs to be refunded : {$180.00} Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documents to XXXX, Equifax and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.
Product: Credit reporting or other personal consumer reports

I have a medical bill on my credit from patient first and it is a hipaa violation and I need it removed so my credit goes back up so I can purchase a house
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested as recently as XX/XX/2020 that Experian investigate the accuracy of of reported accounts from XXXX XXXX XXXX. Experian says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. XXXX XXXX XXXX has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.