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

On XX/XX/XXXX in reviewing our American Express Card we noticed an extremely high interest rate. I immediately called American Express to understand why and was told that we were being charged a penalty interest rate for late payment in XX/XX/XXXX because payment was made after the XXXX cut-off date of XX/XX/XXXX on the XXXX of XXXX. 

In reviewing our bank records there were two payments made in XXXX, the 1st on the XXXX of XXXX and the 2nd ( for the next billing cycle from our perspective ) at the end of the month after the bill payment date of the current month. The payment on XX/XX/XXXX was above the minimum required for the XXXX billing cycle. 

When speaking to the representative, and then the supervisor, I was told that their records could not be accessed that far back and so I could not get an explanation why the XX/XX/XXXX payment was not applied to the billing cycle due XX/XX/XXXX, but in fact applied to the XX/XX/XXXX due date, which was already paid. 

I did not look at the statement closely until this month because we had been paying many times multiple payments through the month and did not expect that we could possibly be considered late in doing so. The representative stated payments can not be applied to future cycles if the statement was not generated yet, but could not tell me when the XXXX statement was prepared, only that it was 'probably ' prepared on the XXXX or the XXXX ( the date our payment was made ). 

Furthermore, American Express did not notify us of the change in interest rate, provide an opportunity to ensure payment was applied as intended, or review the rates 6 months after. The Supervisor I spoke to said the best he could do was fix the rate going forward. 

This practice of applying payments to past bills and then charging a higher interest rate ( nearly 30 % ) is disturbing to me and we would like for it to be reviewed. For the last 12 months we have paid twice as much in interest charges as a result of this practice then we should have, despite making multiple payments each month. I believe this practice, if looked into, may result in significant number of consumers overpaying on interest even though they have been making payments in good faith.
Product: Checking or savings account

I have been a customer of Bank of America for years and recently My identity and card was stolen and major fraud was committed on my account. Someone stole over {$7000.00} on XX/XX/XXXX, using my debit card that was stolen along with my phone. I reported the fraud immediately to the bank on XX/XX/XXXX once the transactions posted and a bank was open as my phone was stolen and i couldn't call, and with it being a holiday on XX/XX/XXXX all banks were closed. and to police on XX/XX/XXXX and the bank denied my claim without proper investigation or even requesting my evidence in 2 days of me making my intial claim on XX/XX/XXXX. So i called and requested my claim be reopened on XX/XX/XXXX and sent in documents, and you know what they did. They denied my claim again without telling me why or proper investigation after 2 days again on XX/XX/XXXX. How is 2 days enough time for an investigation of Fraud. what is the point of banking with a bank that " supposedly '' protects you from fraud and says they give 0 liabilty due to fraud yet won't even take due dillegence or time conduct a investigation to fraud. I couldve swore bank account fraud protection is addressed under Federal Reserve XXXX XXXX. So i had to call and request my claim be reopened again on XX/XX/XXXX, and you know what the supervisor told me, " What we would need is a police report to reopen the claim '' I had already sent in that information days ago. So that means someone denied my claim without even looking at the documentation i had sent in. Unprofessional. Now its been a week and still no update and a representative told me it ould be weeks before my claim is even " reconsidered " to be reopened and the funds stolen possibly credited back not within the 10 days advised by XXXX XXXX I have bills and XXXX XXXX that i a have to take care of and my supposed bank chose not to protect or help its customer and is now telling me that it wont even credit the funds after they failed to perform a proper investigation. This is extremely unacceptable and i believe its time to find a new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX. My complaint is that equifax has not remove all the fraudulent hard inquiries from my credit report I have a total of XXXX of them I also faxed a copy of a federal trade commissions I'd fraud report. It was faxed Saturday can you please have equifax remove these fraudulent inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Product: Mortgage

Urgent! 
1. The BANK FORECLOSURE SALE is scheduled for XXXX XXXX, 2016, in three weeks! 
2. The bank is not cooperating with me. 
3. The bank is sabotaging mortgage modification by delaying and requiring more irrelevant documents. 
4. That 's the only roof for my XXXX kids and me. 
5. The bank is causing me severe hardship. 
6. The bank is forcing me to file bankruptcy. 
7. My ex-husband is the borrower on the mortgage and I am the co-borrower. 
8. I am employed and can afford monthly mortgage if it is modified. 
9. I definitely qualify for Obama mortgage modification program. 

I am still in the process of divorce, a XXXX single mom, with XXXX minor children, need your help to save the roof for my kids and me. 

My ex-husband and I have been the owners of the house for almost 20 years. 3 years ago he left the house without any child/spousal support and any help to pay mortgage. The house was put in foreclosure with the BANK FORECLOSURE SALE scheduled XXXX XXXX, 2016 regardless the fact that I found a good paying job, working from home due to my XXXX, and was successfully paying mortgage for many months. 

A couple of months ago the bank told me that foreclosure could be postponed if I apply for mortgage modification but they keep on asking for more documents. I did apply and by now I have submitted close to XXXX documents. In addition, now the bank is asking for my ex-husband 's tax return and income and expense, which he refused to submit. He is unemployed currently and has nothing to do with my mortgage modification application. I am financially sound and I am the one to apply for mortgage modification.
Product: Student loan

I applied for an extension/forbearance. I was informed that I could forbear for 2-month increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This 1-year waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year.
Product: Vehicle loan or lease

I received a letter from XXXX XXXX stating I was denied a loan in part due to a XXXX credit score from XXXX XXXX. After some research, I have found this company to be fraudulent and exists to allow banks to charge a higher percentage due to a low score. This is not a credited agency and should not be included when trying to obtain a new loan.
Product: Checking or savings account

Wells Fargo has charged me over XXXX dollars in fees for the past 5 years of being with the bank I don't think that's really fair
Product: Vehicle loan or lease

I am submitting a complaint against Credit Acceptance Corporation related to a vehicle repossession that took place during the XXXX pandemic. 

In XX/XX/year>2020, I lost my job due to the national shutdown and was unable to make payments on my vehicle. I informed Credit Acceptance of my financial hardship, but they did not provide any relief, payment deferment, or alternative options during that time. Despite the economic crisis and my inability to work, Credit Acceptance moved forward with repossessing my vehicle.

This action not only severely impacted my credit, but it also caused me further financial instability during an already difficult time. As a result of the repossession, I was left without reliable transportation, which made it even more difficult to secure and maintain employment.

They are now reporting that I still owe a deficiency balance of {$5700.00}, despite taking the vehicle, which I believe is unfair, especially considering the circumstances and lack of accommodation.

Under the CARES Act, creditors were expected to work with consumers facing COVID-related hardships. The Act also required creditors to report accounts as current if any relief or accommodations were made. I believe Credit Acceptance failed to uphold their responsibilities under these provisions, and their actions during this crisis should be reviewed.

I am requesting the CFPB to investigate this situation, and I would like the following outcomes considered : Review and removal of the repossession from my credit report Elimination of the reported balance owed ( {$5700.00} ) Review of Credit Acceptances actions during the pandemic to determine whether they were in violation of federal protections
Product: Mortgage

I just moved to XXXX XXXX at the beginning of XXXX. Instead of renting, I was willing to buy an apartment. I've just got a job as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I applied for a mortgage, and the lender told me I needed a co-signer. A friend of mine agreed to be my co-signer. He is an XXXX XXXX XXXX  XXXX, TN. 
We started the whole process. I paid for the appraisal and wrote a check for the deposit of XXXX dollars. I paid for the condominium fees and other fees related to the mortgage. 
At the very end, my co-signer told me he was going to sign for me only if I was going to give him XXXX dollars, saying that he needed to protect himself. I told him that was not in the terms, and I felt like he was blackmailing me. He insisted that I either pay him or he wouldn't sign. I kept the text messages he sent me insisting for me to pay if I wanted his signature. 
I decided to withdraw from the mortgage deal because I felt I was in a scammy situation. On the other hand, the lender is now telling me that most likely I am not going to have my deposit back. I am going to lose over XXXX dollars, and I also got myself in a dangerous situation because I thought I was going to move into the new apartment soon, but it was not like that. I must look and rush to find a place because I live temporarily at a friend 's house. I am losing my furniture because I can't find a place to fit it, and I can't end up homeless. This " friend '' caused me emotional and financial distress. I need help, please.
Product: Credit reporting or other personal consumer reports

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payments. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. XXXX  has reported there is no active mortgage for XXXX XXXX. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Debt collection

Signed up with Helbing Law Group for debt consolidation on XX/XX/2019. Made XXXX  monthly payments of {$540.00}, XXXX payments of {$830.00} and a legal fee of {$370.00}. I have been summoned to court both credit card companies. I learned today that Helbing never contacted XXXX XXXX XXXX on my behalf. I received an email from XXXX XXXX stating that I have an account balance of {$13000.00} and that I will need to pay them another {$14000.00}. XXXX also stated that my settlement amounts are XXXX XXXX and XXXX XXXX He never contacted the creditors on my behalf. I also had to pay the legal fee for representation to another creditor because they wanted to take my home. I am asking for assistance to get my {$22.00}, XXXX back from Helbing Law Group. I have sent emails and call everyday with no response. I have been advised by XXXX attorneys to contact you and I also filed a complaint with the Attorney Registration and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies.

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items.

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$220.00}
Product: Mortgage

Selene Finance, the servicer of my mortgage, told me back in XXXX that my loan was in foreclosure and that they no longer were accepting anything other than the full amount of the mortgage loan. For months they would not return my calls or emails requesting a forebearance agreement and I told them I was in the process of selling my property. Turns out I was not in foreclosure and they did not file a notice of default until XX/XX/year>. Since then I have tried repeatedly to ask them for information they needed to consider halting the foreclosure process so that I could close on the sale of the property. I have sent them numerous emails and countless calls and have provided them at least 3 times the XXXX and escrow information and the other documents they requested. It has been almost 3 months and they have not replied or provided any guidance as to whether or not they will grant the extension. I need to know asap as I may lose the buyer of my property because they will not respond.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I came across unauthorized hard inquires and a fraudulent account that was never initiated by me at any given point.
Product: Checking or savings account

My complaint is based on the confusion on the signup page. I sold a property and while depositing the check was encouraged to open a CD with Key Bank XXXX NY. I was given the information and told I could do it all online which I did. My issue is that the advertized rate was a XXXX percent interest rate. They had many terms listed and I selected 10 months. Unknown to me they also had woven in a XXXX interest rate which as anyone knows or can XXXX XXXX is another way to write 5 %. I signed up and at the end of ten months was rewarded {$56.00} for an investment of {$140000.00}. That as you can figure is a 99 % difference in outcome. I believe this was a deliberate plan due to the fact that no sane person would lock in and tie up any amount of money for such a ridiculous rate of interest. This was designed to create mistakes by investors with the confusing way it was explained with the two equivalent expressions of 5 %. This is the same equivalence of having a loan for 5 % next to a loan for 495 % if this was placed online it would certainly be considered predatory and so was this CD rate. I contacted the bank case # XXXX and as expected they laid all the blame on myself. I consider the above an abusive act or practice and would like corrective action by your department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my Equifax Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The Equifax Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. Equifax makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, Equifax, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I am experiencing with Bank of America and XXXX. I was recently informed by my lawyer that XXXX has flagged me for alleged fraud with Bank of America and claims that I owe them money.
Product: Checking or savings account

ON XX/XX/XXXX I SENT A WIRE THROUGH CITIBANK TO A BANK IN XXXX FOR {$2500.00} USD ( XXXX EUROS ). ON XX/XX/XXXX THROUGH AN INTERNAL AUDIT WITH THE VENDOR WE WERE SUPPOSED TO SEND THE MONEY TO, WE REALIZED THE VENDOR DID NOT RECEIVED THE WIRE THAT WE SENT ON XX/XX/XXXX. WE CALLED CITIBANK ON XX/XX/XXXX AND SPOKE WITH XXXX AND HER SUPERVISOR XXXX AT THE WIRE DEPT. XXXX OPTION 1. THEY SAID THEY WOULD RESEARCH AND FOR US TO CALL BACK ON FRIDAY. WE CALLED BACKED ON XX/XX/XXXX AND WAS GIVEN A CASE NUMBER XXXX AND WAS TOLD TO GIVE A CALL BACK WITHIN 2-10 BUSINESS DAYS. ON XX/XX/XXXX THE BANK IN XXXX CONFIRMED THEY RECEIVED THE FUNDS, BUT DID NOT APPLY TO THE ACCOUNT HOLDER. ON THE SAME DAY XX/XX/XXXX WE RECALLED THE FUNDS AND WAS TOLD TO CALL BACK WITHIN 2-10 DAYS BUT IT SHOULD BE NO LATER THAN 3 DAYS. XX/XX/XXXX WE CALLED BACK AND WAS GIVEN A GLOBAL ID NUMBER FOR THE WIRE TRANSFER XXXX AND SPOKE W/ XXXX A SUPERVISOR. SHE SAID TO CALL BACK AND SHE LOOKS INTO IT XX/XX/XXXX. WE CHECKED BACK IN ON XX/XX/XXXX AND HAD TO REQUEST TO ESQUALATE BECAUSE THE REPRESENTATIVE DID NOT KNOW HOW TO HELP US. THEY ALSO SAID THE BANK IN XXXX HAS REQUESTED XXXX EURO FEE TO INVESTIGATE OUR WIRE. 

WE HAVE WAITED PAITENTLY FOR CITIBANK TO RESOLVE THIS ISSUE BUT THEY HAVE FAILED TO DO SO. WE WOULD LIKE TO REQUEST YOUR ASSISTANCE IN HELPING US WITH GETTING OUR MONEY BACK FOR US SO WE CAN CLOSE OUR ACCOUNT WITH THIS AWFUL BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted a complaint with the CFPB to have accounts that were subnitted on an FTC Report to be removed/deleted. Not all accounts were deleted. The bureaus have made several violations of federal law under the Fair Credit Reporting Act. I do not appreciate being undermined as a consumer.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX