23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year>, I used my Elan Financial Services XXXX XXXXXXXX XXXX XXXX  credit card to purchase flights online from XXXX separate airlines ( XXXX and XXXX XXXX making up an XXXX XXXX itinerary. For the credit card transaction with XXXX, Elan XXXX applied a nearly {$40.00} foreign transaction fee. For the XXXX transaction, Elan XXXX applied no fee. 

Both purchases were charged in USD ( no currency exchange ). Both airlines operate in the XXXX ( and routinely serve XXXX consumers ). Both flight segments were for departure and arrival cities overseas ( no XXXX segment in either ). For the airline transaction incurring a fee, XXXX supplied a merchant location in the departure country ( a XXXX  overseas territory that also uses USD ). In contrast, XXXX supplied their XXXX merchant info. If XXXX had charged my XXXX credit card ( with XXXX billing address ), citing their XXXX business address, as is customary for US-based consumers XXXX then no fee would have been applicable. 

This credit card fee seems arbitrary and unfair, as I had a reasonable expectation that I was dealing with the XXXX arm of XXXX, and had no way to know the merchant location that would be referenced in communication between the merchant and Elan XXXX. Elan XXXX suggested that XXXX might be at fault, but I am still stuck with a fee imposed by Elan XXXX and the merchant has no skin in the game. I would like to have the fee reimbursed by Elan Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have " bill '' for a stay in jail a noncontractual {$390.00} that due process not done by goverment agency is reported to transunion as a nonpayment of a contractual debt ( collections ). this item was removed XXXX of XXXX and was returned XXXX XXXX. this " bill '' is uncollectable as to Michigan Court ruling reguarding exempting Social Security Benafits from state court juristiction because of this the " creditor '' is using collection agency to black mail me into paying a debt they are not entiled to.
Product: Debt collection

I rental an XXXX rental at XXXX XXXX in XXXX XXXX, Georgia. I rented the vehicle on XXXX at the weekly rate of {$350.00} which is a total of XXXX weeks at the amount of which equals to {$2100.00} which was my final bill given XX/XX/XXXX which the final payment of the XXXX week was taken on XX/XX/XXXX. According to their extension policy the rental would automatically renew from the time of pick up. XXXX have taken every payment that would equal up to {$2100.00}. I email XXXX XXXX in XX/XX/XXXX but I don't have the exact date because my email address has been hacked and I have been trying to get it recovered. I had attached the proof of my payment and my final printout after returning the vehicle. I have received collection letters from other companies which I have attached. I have been put on a DO NOT RENT when I have paid what I owed. Please find the attached receipts and contracts.
Product: Credit reporting or other personal consumer reports

Kindly remove and block Since I did not consent to their inclusion, I humbly ask that these false accounts be removed from my credit report. It is imperative that you delete this false information from my files as soon as possible.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, I disputed XXXX STRONG XXXX on Experian only for them to turn around and say The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. but they did not seem to mind adding an extra late payment, which is totally inaccurate on top of the already inaccurate late payment in XX/XX/year> now I have a XXXX  day late payment in XX/XX/year>. The original dispute was to remove the late payment because of an accuracy between the bureaus, XXXX was reporting on time in XX/XX/year> and Experian was reporting XXXX  days late In those XXXX things can not exist simultaneously and be correct. I asked Experian to remove it for inaccuracy because it is not correct. I had provided evidence and evidence was ignored. Now they are reporting a XXXX  day late payment for XX/XX/year> which on my report it says last payment was made on XX/XX/year>, but last time I checked was XXXX  days late from XX/XX/year> not XXXX. Also i only disputed once but somehow have to different disputes, XXXX that was verified and updated to add another incorrect payment and another one. I deserve a complete and accurate credit report and Experian is failing to provide that. I am requesting a reinvestigation and if they find anything at all that is inaccurate, incomplete, inconsistent, or unverifiable my account must be updated to paid on time never late. According to the Fair Credit Reporting Act XXXX XXXX XXXX ( XXXX ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. I sincerely appreciate your attention to this very serious matter.
Product: Debt collection

Transworld System is trying to collect on behalf of XXXX XXXX XXXX XXXX. This account is off my report by law, since it has been over 7 years. And isn't it true that according to the Statute of Limitations debt collectors can not collect after 4 years? Once again it has been 7 years! This company is illegally trying to collect a time-barred debt! I know about the FDCPA laws, and I kindly ask that this company to cease all communication with me. They keep calling me saying I owe them {$21000.00} I have never signed a contract with them, have never paid them nor do I owe them one cent! I am sending you this as proof that I have not paid them. 

Thank you in advance for investigating this matter
Product: Checking or savings account

XX/XX/2021 I called TCF Bank to close all four ( 4 ) of my accounts with them. XX/XX/XXXX they closed two ( 2 ) of the accounts and mailed me a check for the balance on those two ( 2 ) accounts. The remaining two ( 2 ) accounts were not closed and the bank still continues to charge me service fees. 

When I called on XX/XX/2021 TCF Bank advises me I have to close them in the branch. I live in XXXX XXXX California. I'm nowhere near a branch. 

This bank is clueless and of no help, for months they have charged me fees on accounts I can't use.
Product: Credit reporting or other personal consumer reports

I asked them to remove the unrecognized inquiries but i was ignored.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SVCS INC Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I was told in last complaint that credit karma sent me a digital card for XXXX $ via email and that was untrue I never received any email with any sort of digital payment I save all my emails in case for years I pay for extra storage on my XXXX and XXXX drives to save stuff like this just in case. I find it odd I have all emails for that date from all inboxes ( spam, trash, etc ) but yet I do g have that XXXX email tons of junk e-mail but not that one- they lied payment was never sent they lied to get the case closed- so I open another one. Yet they never offered a way to get another just in case email failed to go through or whatever. Especially since I have been emailing support and asking if there are updates and no one has gotten back to me.. Ive emailed several times since XX/XX/23 and I always cc myself I have those emails just not the one you said you sent- because Im my opinion you did t send it, if you did why didnt someone respond to my emails already saying payment was made??? Because it was not. I wont go away
Product: Credit reporting or other personal consumer reports

I am not able to access my credit report or credit score on XXXX website. I have an account with them. When I login and submit request for credit report and score, nothing happens. I paid for the score but nothing showed up. I can only see my score on XXXX XXXX and my score keeps dropping and I dont understand why. It just dropped XXXX XXXX. Also I am trying to submit disputes and it only allows one at a time. If that one dispute takes 30 days then I have to wait 30 days to submit another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  and CCB/BREADCASHBACK, 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Company appeared on my credit report in XXXX even though it says they were trying to collect in XXXX which is incorrect based on monthly reports in addition to not being able to give my account # number since I havent done any business with them their Number doesnt match the company either
Product: Credit reporting, credit repair services, or other personal consumer reports

have received a XXXX XXXX fee on my account, but payment was made on time. I receive ( 2 ) Statements from the same loan, but different payment addresses every month. I would make a payment to XXXX, and the payment would be redirected to XXXX. XXXX XXXX VIN XXXX, I have sent in ( 4 ) Letters requesting to look at the 30 days late and verify the documentation from XXXX  XXXX, which shows I was not late on any payment. No receipt was received or acknowledged. I hired XXXX XXXX  XXXX and a letter was sent on my behalf to the Credit Bureaus and Lender. I received a letter back from XXXX, stating I could NOT use an attorney to represent me but had to write myself, which I had done in ( 4 ) letters. I contacted XXXX # XXXX and XXXX XXXX who also failed to acknowledge the problem and even review the documents. XXXX has refused to allow me to counsel in this matter. Per XXXX has assigned the case to the Special Collections Department, which has been done on ( 3 ) separate incidents. XXXX can be contacted at XXXX Per XXXX, another review is 48-72 hours. Incorrect information was given that the loan was confusing because ( 2 ) Statements were sent with a different address and the XXXX XXXX XXXX did not inform the client of the client of the address change. As per the letter from XXXX XXXX, the account was in good standing. The investigation took longer then 30 days and XXXX did not respond to the Law Firm. Letter attached within a timely manner, as a Power of Attorney is not required per the Law Firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Company reported a late payment in XXXX of 2020 on my account. Ford Motor company pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.
Product: Checking or savings account

hi there got a check for XXXX from XXXX XXXX XXXX  on XX/XX/2022 deposited it in my new business account with jp morgan chase bank on XX/XX/2022. the said the funds will be available on XX/XX/2022 the funds where not. i went into the back and they told me the maker of the check had to come in the chase branch ; he can not, XXXX XXXX XXXX XXXX XXXXXXXX ; chase fraud call me, then called the maker of the check, then called the XXXX XXXX XXXX ; they verified the funds but said they will have to hold the funds until XX/XX/2022. they closed my account on XX/XX/2022 and keep the money and refuse to released my funds. I have been on the phone with them for over 11 hrs trying to resolve ; their answer is the maker of the check 's phone number is not listed. so they will not release my funds. AND will keep the funds because I am unable to verify the check that was written to me. 

JPMorganChase is steeling money from its customer 's!!!!!!!!!!!!!
Product: Mortgage

XXXX I have XXXX asked for their bi-weekly payment form to be mailed to me - b/c it is the only way they will set up auto-bi-weekly payments. They have not mailed it- they require a physical signature, and I don't have a printer, so it needs to be mailed. I have turned off paperless and they still refuse to MAIL the form. Since they refused, I started sending bi-weekly payments. Next payment not due til XXXX. I sent XXXX two weeks ago, and was going to send it again this week. They returned the payment. I asked why they were refusing my payment. They said it's their " policy '' to only take " full payment '' - I asked for the policy. They refused. I asked for the contract or legal basis for that decision - they refused to provide it.he companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The fact that " we do not accept partial payments '' is included on a BILLING STATEMENT - does not create a contractual or legal obligation or right on their part to reject payments of any type at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX  # XXXX Account holder not borrower XXXX # XXXX Account holder not borrower XXXX XXXX # XXXX Account holder not borrower XXXX XXXX  XXXX  Account # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX  # XXXX Account holder not borroweXXXX XXXXccount # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX XXXX  XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXXAccount XXXX XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  XXXX Account # XXXX Account holder not borrower XXXX  Account # XXXX Account holder not borrower XXXX  XXXX Account # XXXX
Product: Debt collection

Hello Randomly was checking my credit report and discovered that there is a collection of {$51.00} XXXX by GENESIS CREDIT MANAGEMEN out of XXXX WA for an apartment rental application fee in XXXX XXXX, CA that I never applied for and never been in XXXX XXXX, CA Please note, I never received any phone calls or letters neither from XXXX XXXX neither from Collection Company regarding the pending amount due because they had fraudulent address and fraudulent phone number for me. I discovered myself checking the credit report and calling the collection company myself and we discovered that this debt and collection is posted on my credit report due to Identity Theft and Fraudulent Activity
Product: Debt collection

Received letter from Midland Credit Management stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at midlandcredit.com.  When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance XXXX {$81.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting at XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 : States I have rights to privacy 15 USC 1681 section 604a section 2 : It also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

I have documentation where I made several attempts to defer a student loan payments. 

I spoke with several representation from the company that inform me what application forms to complete. I did the application process as instructed and response was denied or we need more information. 

Every response was met with diligence and care .. yet I kept being denied. 

The loan was then sent to a creditor the called and harassed me, my son, my father and sister, when I have made all attempts to resolve the issue. 

The name of the company : American Education Services