23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I was pressured at a Sephora store cashier, while making a purchase, to sign up for a store credit card. This card was issued by Comenity Capital Bank, part of Bread Financial. I used the card about twice since then and paid in full each time. In XX/XX/XXXX I paid in full a new bill with a charge I made of about {$290.00}, the company deemed the payment late and charged me penalties and fees totalling about 20 % of the original bill. I noticed this only the following month since I believed that I had paid the amount owed and did not charge anything further, by which time fees upon fees had also begun to be charged. I contacted the company requesting that these fees be reversed, but the company said it was their policy not to fully reverse them. I then protested the company 's business practices, asked that the card be cancelled, and informed the company that I would dispute any negative information reported to credit agencies. The company had begun harassing me with phone calls ( which I was able to stop ), monthly bills with fresh fees and penalties for not having paid the first fee imposed, and no sooner did I cancel the card than it also began reporting monthly delinquency to my credit agencies. All this even as I paid back in XXXX the amount in full that I had charged in the Sephora store. 
I have been notified by a credit monitoring service that this company is also reporting increasing debt owed to it, in addition to delinquency. 
Now my credit score is well on its way to ruin, what was previously near a perfect score ( well over 800 ) has now dropped to XXXX in just a couple of months, solely due to this company 's actions. This will have lasting ramifications on my financial future. 
I am now in a serious bind where, if I do not pay the increasing amounts that this company claims I owe them, my credit will be further ruined and there will be no recourse. I believe that this is highly usurious, that this company is preying on consumers and would like to know if any laws are being violated through this company 's predatory practices. 
In its letter of acknowledgement of the cancellation of the card, this company openly informed me of its intention that they will continue to claim fees and to make regular communications to collect them, including negative credit reporting. As of today the company claims to the credit reporting agency that I have a {$290.00} outstanding debt to it, all of which would comprise fees charged. That represents already 100 % of the original amount I charged to the card. 
Even if I do this to end the harassment, it seems that it will already take me years to recover from this problem. I feel very exposed financially to this company and can not understand how signing up for a store card and making a small purchase can have such a result, and even though I have made full payment of the original charge and have cancelled the card.
Product: Checking or savings account

I received the response that was given to XXXX XXXX. From that I reached out to Wells Fargo Bank this past Saturday the XXXX. They requested me to go to XXXX XXXX XXXX to tell them that on XX/XX/2018 account ending in XXXX, approved to send my money to XXXX with the ACH trace id number XXXX. I went to BOA and could not request any information because I am not their customer. Therefore I am in a dilemma of retrieving my money back since XX/XX/XXXX with no trace of whether XXXX has my money or if it is the possession of Wells Fargo. I spoke with XXXX from Escalation department from Wells Fargo. Her number is XXXX. The Claim number is XXXX from XX/XX/XXXX with XXXX from the Resolution department. They were suppose to notify me on XX/XX/XXXX on the status of my case. No one has been able to explain where my money went and why is not returned to my account. [ {$2600.00} from my savings ] and [ {$200.00} ] from my savings which was withdrawn on XX/XX/XXXX. XXXX made a fraud claim on XX/XX/XXXX which was denied on XX/XX/XXXX and I never received my funds back into my account. XXXX has since attempted to help me get the bank to return the money into my account. On XX/XX/XXXX XXXX  sent me a letter that XXXX XXXX 's claim was denied. He requested for the denial letter to be sent to me as proof to show to Wells Fargo in an effort to get Wells Fargo to put back the funds into my account. I have attached the letter I gave to Wells Fargo. They have sent me on a goose chase and have not done their job in finding out where my money went since it was not returned to my account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. XXXX OF ED/XXXX  Account XXXX : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reporting erroneous lates on my credit file. They are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lates all through out XXXX. During this time i was affected by COVID an was un able to make full payments. I called and try to make partials payments but the representative refused to take my payments. I was trying to get back on track and give GM the little bit i had but again they refused to work with me. I am very disappointed that even during a hard time and while we were all in a global pandemic they weren't willing to help. I would like these lates to be removed from my credit file. I was not late, i tried to make my payments but they refused to work with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received COVID-19 loan forbearance from XX/XX/XXXX- XX/XX/XXXX. Per the U.S. Department of Housing and Urban Development 's COVID-19 Recovery Loss Mitigation Options Mortgagee Letter XXXX, mortgagees must waive all Late Charges, fees, and penalties, if any, as long as the Borrower is on a COVID-19 Forbearance Plan. 

In XX/XX/XXXX, I was charged a late fee of {$50.00} that to my knowledge hasn't been reversed, and additionally, I was reported 30 days late to the credit reporting agencies. It also appears for some reason there was no reporting for XX/XX/XXXX, which should have been reported as current. 

Please report as Current for XXXX and XX/XX/XXXX, and credit my account {$50.00} for the late fee that was charged in XXXX. This is affecting my credit score and ability to get better interest rates.
Product: Credit card

Not the first time this occurred and because company is not taking accountability to safeguard consumer and not charge fees/interest on card that was compromised and incurred fraud, i do not want this account, have requested to close more than 3 weeks ago and was incorrectly advised due to fraud per the general customer service rep, my account was closed, I advised the fraud department told me in late XX/XX/2023 to call back in 24 hours to customer service to close my credit card as they can not and they needed to investigate fraudulent charges. I called as advised and was advised above and I would be refunded my security deposit in about {$170.00} of the {$500.00} in several weeks. Well today XX/XX/2023, I called, spoke with fraud rep and was advised my account is showing active and not closed, and they can not do anything. Mind the fact bill is due on the XXXX of every month, i clearly expressed XXXX or so weeks ago to close my account and I was not submitting a payment as monies is due back to me and every time First Progress fails to send me my monies back and close account, charge extra fees and interest without my knowledge and I do not always receive my monthly statements and unable to log into their system. I just paid {$46.00} today to avoid being falsely reported and charged another late fee. This is a scam, I need my security deposit monies refunded in full and this secured card closed as unethical practices, increase APR with no letter to inform consumer and charging unwarranted interest and fees and avoiding refunding me knowing this account has been compromised and i have already requested closure of credit card account and it is not done.
Product: Checking or savings account

Hello, On XXXX, XXXX I Deposited XXXX Checks on my Capital One XXXX XXXX Account. Those checks I got from XXXX XXXX XXXX XXXX XXXX due after XXXX of a Certificate of Error on my property. It is my XXXX XXXX for tax year XXXX, XXXX, XXXX which on i was applying at www.cookcountytreasurer.com on beginning of this year and got approved. Check are amounts XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX and XXXX  for XXXX XXXX. After that bank restricted my account. I was contacting bank by the phone to verify my identity and deposits that i made. After our conversation bank says that he ( bank ) can not verify those checks and decided to close my account! I was in shock! Official checks from the XXXX XXXX XXXX  and they can not verify them after even i gave them all information and evidence of my property and persona! I've been told that i will got my funds back in XXXX business days, but after more than XXXX month Im still waiting for my check from the bank ( checks were deposited successfully ). Please, help me to return my money from this bank. I was trying to contact the bank after this but they block my number and redirected me to voicemail, but don't receive a call back never. Is it Legal to do so??
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed obsolete student loans with Experian in which they ere deleted. I have attached the credit report for XX/XX/XXXX. As you can see all of the XXXX creditors had been deleted as they are obsolete and have passed statue of limitations. Experian without notice 5 months later reinserted the deleted accounts from XXXX. I discovered XXXX was reinserted 5 months later ( XX/XX/XXXX XXXX, please review credit report as it was reinserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item and you did not. I did not receive any such notification from Experian. Please delete this item immediately. Experian and XXXX is reporting information that has been falsified to keep on my credit report pass the obsolete time frame. XXXX XXXX XXXX is the same company that I previously disputed and the obsolete accounts were deleted by the name of XXXX XXXX XXXX XXXX ( XXXX XXXX  ). I have attached the letter from XXXX acknowledging that they are XXXX XXXX. Please review the credit report dated for XX/XX/XXXX and XX/XX/XXXX, it shows the original opening dates of the accounts in which the debt collector purchased ( XXXX XXXX now XXXX XXXX ) is reporting as a recent accounts which is against the law. Collection accounts must be purged from your credit reports seven years from the date of default on the original account. When a collection agency purchases a debt, they can not re-age the account to restart the clock and this is what XXXX has done. In fact, any changing of the date of first delinquency, the date of default, or the purge from date on an account would be illegal. Please review the credit reports attached. If you refer to the original creditors on the XX/XX/XXXX credit report, it shows the original creditors which were in XXXX. All of the original account dates exceed 10 years of age and exceeds statue of limitations. I am asking you to delete the accounts immediately or I will have to seek legal representation against Experian and XXXX. The original creditore was contacted and was aware I was XXXX over 10 years ago.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My Current Address Is : XXXX XXXX XXXX XXXX XXXX, TX XXXX Any previous addresses are undeliverable and I have no access to them. Please remove the following addresses that remain immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I had received a call in XXXX from Discover Card to ask me if I tried to open an additional account at which time I explained that I had made no application. Discover then told me that there is FRAUD on the account and the account would be frozen until I completed a 4506T verifying my information. 

I received a 4506T Doc-U-Sign from Discover from XXXX authorizing the IRS to validate my information. I executed the 4506T and it was rejected by the IRS as I had moved and my address had changed. Discover advised me to add my former address to line 4 of the 4506T and it was again rejected. I had called Discover again and then they sent me another Doc-U-Sign 4506T which was again rejected so Discover automatically closed my account as it was rejected 3 times from the IRS. 

Discover sent me an e-mail saying that they had closed my account due to conflicting information. I called Discover and asked " WHY '' they closed my account due to conflicting information as they sent me the Doc-U-Sign that they completed??? I have to highlight that I had told Discover that I did not receive the initial Doc-U-Sign at which time I received 2 additonal 4506T forms and I completed them both which the IRS rejected as they were both completed with the identical information. 

My card had a {$1300.00} balance at the time I was informed the account was closed and I paid the balance due to the Supervisor on the phone immediately so if they couldn't resolve my issue there would be no balance on the account. 

My pay practices with Discover had garnered me an increase in my account availability from the initial {$5000.00} to {$12000.00} over the 4 years I had the card at the time the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported my high balance on my XXXX account was XXXX from XXXX. My account credit limit is XXXX. So it seems that I went over my limit. This caused my score to plummet XXXX points in one month. 
My highest balance was under XXXX and paid off monthly. 
TransUnion told me to contact my credit card complain however the error is on their side. I continue to be out on the middle of this vicious circle of blame. I would just like to have correct information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me ; there is inaccurate information on my credit report. Im not sure what information you require regarding each account, I will add the account/ account number and the date opened. Please correct and update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. This is really affecting my credit report and my life negatively. I WAS NEVER LATE. 
XXXX XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Unfortunately, Ive been living XXXX for a while. I come back home to XXXX XXXX and I see all these Capital One bills no cards., There was a lot going on in the world so I felt I could handle it. I had good credit no credit cards on my name or bills on the house to to be exact one in XXXX XXXX in the US amazing credit in XXXX XXXX XXXX 100 % though lol and raised., I tried sending the money with a little extra money so that they dont with my credit Capital One they sent the money back to my XXXX XXXX  XXXX and they close the card! I called them to pay it. They gave me attitude and made me feel like Im a thief. It made me feel like it was fraud, which is so untrue because the one capital one card that I did have in my wallet was not paying on payday was paying a week before or month before the payday And the two surprising Capital One cards that people were charging on. I was paying those off I just cant get another capital one when I called them. They said its not even in their system. Ive waited years since a child to fix what I ruined and now they destroyed it again if they would like the money for anything they want to do is fine with me, but theyre not my charges Ive never owned a blue capital one Corporate card and if I did have a capital one corporate card, it would have more than XXXX bucks on it and why are they charging me XXXX and why did I tried to pay it and they did not accept and why are they destroying my credit? Ill leave that up to you guys, but XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Those are not my charges never seen those cards. Im living in XXXX during the coronavirus while my parents passed away so I believe its a little fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst XXXX and Transunion which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today, XX/XX/2021, I received three items in the mail, one envelope containing an unsolicited debit card from Navy Federal credit Union and the other two, with a letter each describing The Important Rights on two accounts should these accounts become delinquent under New York law. 

First of all, I never applied for these accounts with Navy Federal, not have I authorized anyone to do so on my behalf. I immediately contacted Navy Federal via phone and was told I was most likely a victim of identity theft and that I should monitor my credit and use a credit monitoring service. I was also asked for my email and mailing information in order to receive a letter from them regarding this issue. 

My main concern is having someone using my identity to illegally open bank accounts and commit fraud, destroying my credit and finances in the process. This bank is in another state from where I reside. I have not lived in Virginia nor do I intend to do so in the foreseeable future.
Product: Mortgage

Closed on a mortgage for a new construction XXXX br/ba XXXX sq. ft. townhome on XXXX/XXXX/XXXX. The final disclosure added charges for the appraisal from the original estimate and wound up costing {$1500.00} for the appraisal! This was nearly {$1000.00} more than the appraisal on my {$2700.00} sq.ft. private home refinanced with Wells Fargo a year prior. 

I asked for the invoice from the providers. They sent me a statement which appeared that the service for the appraisal was {$450.00} and there was an additional {$1000.00} charge from the middleman that arranges the appraisal and invoices Wells Fargo. I said that the {$1000.00} charge for a PO and an invoice was absurd. They thought otherwise. 

The original loan estimate dated XX/XX/XXXX showed the following for the appraisal : {$790.00} for the appraisal {$18.00} for the credit report {$160.00} for a final appraisal The final loan disclosure dated XX/XX/XXXX showed the following : {$1500.00} for the appraisal They claim a {$560.00} lender credit for overcharges of the following : {$26.00} for overcharging on recording fees {$530.00} for overcharge on appraisal fees So they claim the original $ XXXX $ XXXX {$160.00} - Even though these numbers don't reconcile, they included {$160.00} for the final appraisal even though a final appraisal was never done and did not show up on the final disclosure as a line item. Even though I mentioned over and over again and they acknowledge a final appraisal was not done, they felt justified charging me for it. So at the very least, they owe me {$160.00}.
Product: Mortgage

Hello Consumer finance portal, Cooper mortgage loan number : # XXXX My Name is XXXX XXXX XXXX and I had Mortgage with XXXX XXXX XXXX in XX/XX/XXXX. During initial time XXXX XXXX told me that once my Loan to home value met at XXXX Ratio, then PMI will be removed. Apart from my Principle and interest, I was paying additional PMI of {$74.00} per month.

with in XXXX  months, My loan was transferred to
COOPER mortgage company and after that they increased PMI to {$80.00} stating that XXXX  missed to collect XXXX month PMI. I have called multiple times to COPPER to re-assess my property as my property value was more than 20 % loan ratio and each time they declined this request saying one or other reasons and one of main reason is I have to wait for XXXX years to remove PMI.

In the Month of XXXX XXXX, I had completed XXXX  year requirement. I have called " COOPER mortgage '' and asked them to remove PMI and they started they came up with new requirement stating that I must meet XXXX value to loan ratio. They keep changing their statements and customer not signed any documents regarding their changes. I called countless times within first XXXX  years, representatives told me that, it is XXXX and now they changed to XXXX ratio. No where I signed document with these type of ratio changes for PMI applicability. I am worried now that these company again would change their terms after I complete XXXX years. 

I must report this and want to get resolution and also not sure for how many people they were doing these kind of false promises on PMI. This must be audited.

Cooper mortagage loan number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have XXXX   XXXX, XXXX  and I am always in XXXX  of what she is doing and what she wants. I am afraid for my life and I need HELP.