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

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

Equifax does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : DEPTEDXXXXXXXX XXXX Balance Owed : {$6100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00}
Product: Checking or savings account

Today XX/XX/year>, I made an ACH transfer from my personal Citibank to my personal BofA of {$10000.00}. Which is just a personal money transfer. 
But Citibank regards this as a fraud, and is deciding to close both my checking and credit card account. 
The Fraud department of Citibank completely refuse any communication on details or resolution.

I demand one of the resolutions to be achieved from Citibank : 1. Restore part or all of my accounts. And relationship restored as usual. 
2. If my checking account can not be serviced anymore, I need permit to check out all my money, XXXX immediately at a branch. Moreover, I want a {$320.00} reimbursement which is the checking bonus whose conditon I have already achieved. 
3. If my credit card account can not be serviced anymore, I want current TYP and the welcome bonus TYP to be reimbursed to me together. I have an estimate reimbursement of {$300.00}.
Product: Credit card or prepaid card

I have a Chase Slate credit card. 

I was informed that as of XX/XX/18, my interest rate would increase from 11.49 to  16.74 %. Chase informed me that my purchases prior to that date were protected at the lower rate and that subsequent purchases would be at the higher rate. 

I understand that the CARD act requires payments to be applied to the minimum payment due, then excess funds to be applied to the HIGHEST interest rate balances first, then lower interest rates. In short, I have made purchases of approximately {$1700.00} and payments of {$3200.00} since XX/XX/18, however Chase continues to INCREASE my balance subject to the higher interest rate. They claim it is now over {$1300.00} as of the current statement. 

In late XXXX, I spoke with a manager that agreed that this was an issue with their system and my interest was refunded. He agreed that my balance subject to the higher interest rate should have been about {$800.00}. My minimum payment due was {$240.00}. I then made a {$1200.00} payment and received my next statement ( XX/XX/XXXX ) showing that my new balance at the higher interest rate was now over {$1300.00}. Clearly the application of funds is not occurring per the CARD act, or I've misunderstood the rules. 

On XX/XX/XXXX I spoke with another manager that refused to address any of these mathematical inconsistencies. He further stated that " your payments are to be split between your various interest rates, not just going to the higher rates first ''. This would directly contradict the CARD act and the agreement from the manager the month before ... and everything I've read. He was also unable to explain to me how each of the payments since XX/XX/XXXX were applied, he just kept repeating that " all payments have been applied properly ''. 

My intent was to pay off any new purchases, plus the minimum payment, plus several hundred dollars more each month - and my payments have reflected that AND MORE. However Chase continues to inexplicably grow my 16.74 % balance without explanation or recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

Dear Sir or Madam : FedLoan Servicing, a subsidiary of PHEAA, which manages the collection the student loan payments for the DoE, unlawfully and unethically administers the program in violation a various state and federal laws. Specifically, FedLoan Servicing engages in, inter alia, the following unlawful practices : ( 1 ) it charges usurious interest rates ; ( 2 ) it refuses to accept payments on weekends and holidays despite charges per diem interest on those days ; ( 3 ) it deliberately posts payments at least one day after receipt in order to delay processing and charge more interest ; and ( 4 ) it limits electronic payments to eight ( 8 ) per month. Despite multiple inquiries requesting the legal authority on which they rely, FedLoan Servicing ignores all communiques. Please investigate. Thank you. 

Very truly yours, /s/ XXXX XXXX XXXX
Product: Mortgage

In 2012 I filed for chapter XXXX bankrupcy. At the time of the bankrupcy I did not include my mortgage as I intended to continue making payments and reside in the property. My attorney, XXXX XXXX, at the time of bankrupcy filed paperwork with my home loan provider Bank of America to reaffirm the mortgage.XXXX Years later I decided to refinance my residence to get a lower interest rate and reduce my monthly payments as part of HARP. Bank of America is now telling me my mortgage was never reaffirmed and in order to do so will have to reopen the case. I got back in touch with my attorney who indicated reopening the case would cost a minimum of XXXX dollars out of my pocket and is difficult to do if BOA does not send her the reaffirmation paperwork, which they will not do until the case has been reopened. It was stated in emails from my attorney between BOA, that it was common practice that BOA does not reaffirm during the bankrupcy process. 
For XXXX years because of this, my mortgage has not been listed anywhere on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EQUIFAX, all have inaccuracies on my credit report. They have unmailable addresses on my report some of the places I've never stayed. They are reporting late payments on my credit report and it, reporting credit card utilization, reporting inquiries and have XXXX party debt collections on my report and they are certificates of indebtedness and considered income and you can't report income on a credit report. They've shared my information and identity without my consent.and they are furning negative items on my credit report. I have not given permission to do any of this.
Product: Credit card

Summary : Bank of America , N.A . rejected my fraud claim that my credit card information was used without my permission to buy prepaid cards in XXXX. I have never been to XXXX and have XXXX connections to anyone there. 

Background : I have this credit card with Bank of America for XXXX years. 

On XX/XX/year>, I noticed XXXX unauthorized transactions in my credit card statement. 

They showed up as XXXX transactions. 

XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} XX/XX/year> " DESCOPREPAID XXXX XXXX. '' {$130.00} Total : ~ {$260.00} Upon researching what " DESCOPREPAID XXXX XXXX '' was, I discovered that these are like prepaid gift cards for Utility services in XXXX. 

https : //prepaid.desco.org.bd/ I live in New Jersey and have never been to XXXX. I have XXXX connections to anyone there. I didn't authorize these transactions and immediately reported to Bank of America for fraudulent transactions. Bank of America temporarily refunded me {$260.00} and sent me new credit cards the following week. 

On XX/XX/year>. Bank of America denied my fraud claim and charged me {$260.00} for what were clearly fraud transactions. I am now afraid to have this credit card from Bank of America in my possession because it becomes a liability when I am a victim of fraud, and Bank of America would still force me to be liable for it. This is unacceptable for any consumer. As a result, I'd like to complain about this unethical behavior formally and indicate that Bank of America is operating like a fraudulent bank. 

Claim Information with Bank of America : Claim number : XXXX Credit Card Accounting Ending : XXXX Total Amount : {$260.00} Date : XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX   XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX  ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX  and was unsuccessful. I received communication from XXXX   attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. 
On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. XXXX attempted to use the old account charged me a {$29.00} fee. I contacted XXXX on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped XXXX points because they reported a late on my report. I contacted XXXX and they apologized and said the late would be removed due to the error on THEIR PART within XXXX days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Product: Debt collection

I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$5500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed XXXX {$890.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXXXXXX Balance Owed : {$30.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$570.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a monumental problem with XXXX and my credit reporting agency. When Experian and XXXX  agencies report to XXXX, they are sending in reports that indicate that my FICO  score is under XXXX. I have never had a FICO  score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX 's tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at Experian & XXXX. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and XXXX XXXX.
Product: Credit card or prepaid card

From XXXXXXXX XXXX XXXX of XXXX I was extremely ill due to a medical condition and was unable to work. I had made arrangements with my creditor XXXX XXXXXXXX that when I returned to work I would pay my account off in full. 

As promised I made them a {$400.00} payment and upon this agreement they stated my account would still be active and open and that I would be able to charge on my account. During this time I was charged late fees for XXXX XXXX XXXX XXXXn the amount of {$41.00} for each month totaling {$82.00}. XXXX  XXXX  stated that they would refund these fees and they would correct any negative marks on my credit report for XXXX, XXXX and XXXX. 

When I contacted XXXX  XXXX  about not being able to use my credit card they inform me to send them documentation for my banking institution showing that my payment had cleared my bank and that they would then remove the block from my card and my card would have a zero balance and be able to be used. 

As promised I sent XXXX  XXXX  the documentation showing where my funds had cleared my bank. Now that I sent these documents they're stating that this is not a secure method and they couldn't promise that they would be able to do anything for 30  days. However These funds were made by debit card and paid for through their rapid payment system and me being charged an extra fee. I did not want to accrue anymore interest or late fees and now I have received an email stating the website they gave me I have been blocked from and can not send my documentation. Email address for XXXX XXXXXXXX  Correspondence : XXXX Attached you will find documentation that my debit card payment has cleared my financial institution in the amount of {$400.00} payable to XXXX XXXXXXXX  XXXX card ending in XXXX Please contact me as soon as possible to let me know that these documents have been received and the hold will be removed from my account and my credit report corrected as a courtesy promised due to my medical situation. 

Sincerely XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX