23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an account balance of XXXX after my statement on XX/XX/year>. I paid that amount in full on XX/XX/year> before my due date of XX/XX/year>. A few days later, some pending charges fully came through totaling an additional {$40.00}. The payment for these pending charges was posted on XX/XX/year>. On XX/XX/year>, I received my statement and it showed an interest charge of {$53.00}. This interest payment was in error as the balance it was based on was at most {$40.00}. So, I called my credit card company 's helpline to resolve it and they said they could not waive the interest. This prompted this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit card

In or about XX/XX/2016, I took advantage of a no interest promotional check through my XXXX Rewards Mastercard through Chase. To earn points, I make all of my purchases on this credit card and pay my purchase balance in full every month to avoid interest. I recently noticed that I was being charged interest and when I called to inquire as to why they stated that when I accepted the promotion, I forfeited my 30 day grace period on purchases. I accepted that this was an error on my part by not reading the terms and conditions and I wanted to promptly pay off any purchases on which I was being charged interest on daily. Being that the balance was over $ XXXX, I had to pull the payment from multiple accounts. When I went online to make those payments, I was able to process the first payment but not additional payments from additional accounts so I called customer service. When I spoke with an Account Supervisor named XXXX, he informed me that he could take multiple payments over the phone but the payments would not be applied to the purchases I was accruing daily interest on but rather the promotional balance because the purchases have not been through a cycle so the only way I could pay off purchases I 've made since my last statement would be to pay off my entire balance including the promotion. My other option is to wait until my cycle ends and be charged interest daily before I have the option of paying off my purchases.Since I 've never had a company that started charging interest on purchases the day that the purchases were made, I find it highly questionable that they are not allowing the option to pay those purchases off daily?
Product: Debt collection

Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect
Product: Mortgage

We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 a account without my written instructions
Product: Student loan

I have my private loans handle with mohela which currently used to been XXXX that handle my loans. I went to XXXX University, the school did misconduct me and I was able to get my federal loans forgiven. XXXX has been secretly sending letters to student who they thought their schools misconduct them on the private loans. But only a few selected students, I have to ask for the misconduct forms, the person that I spoke to was extremely rude, and told me I didnt qualify. I told her my federal loans were forgiven and I realize XXXX have put sins of my federal loans on a private loan without my permission. When I look at the loan it shows I take out a private loan in XXXX, I never did took out a private loan XXXX, I took out a private loan XXXX. Mohela never mail me the misconduct forms. I have received them through their website. But I was lie to about the accreditation, transfer, money scheme, and the hardship that I went through with this private loan. It doesnt make sense to send out a misconduct form for a private loan if XXXX want to pick who benefit from it and who dont if the school misconduct you. My federal loans were forgiven I should not be paying for a school that scam me with the private loans.
Product: Credit card or prepaid card

I set up my checking account to make my Best Buy monthly payment on XX/XX/2018, the due date. I received an email confirming that and have attached it and never received any other type of notice contradicting that. Today XX/XX/2018 I receive a statement from Best Buy showing a past due balance indicting my payment on XX/XX/XXXX wasn't processed. I contacted customer support, they confirmed that I set up the checking account to make a payment on XX/XX/XXXX but say the payment didn't process properly because I removed my checking account from their system and while that is correct, I do not want my checking account info on Best Buy 's or any other company 's website, it shouldn't have stopped my payment from going through since the payment was confirmed by email. Apparently Best By 's only payment method is by recurring payments through a checking account but I am not comfortable with that since so many companies are having security issues. The representative was kind enough to withdraw the late fee but my records will reflect that I missed my payment and that is not true. I MADE MY PAYMENT ONTIME. I received an email confirming the payment was setup and there is no legitimate reason the payment didn't go through and there is absolutely no reason my credit should be affected by their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time someone put 10 different credit cards in my name. I contact most of the creditors and also put on a fraud alert and disputed each item, but only one or two was remove. 

This all started when I was a part of XXXX data credit breach years back and never stopped. Please help me get these fraudulent credit cards off all 3 of my credit reports.
Product: Student loan

I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).
Product: Mortgage

The loan was in forebearance until XX/XX/2021. After that I tried to get it reassessed to get a lower and more manageable monthly payment. I have had this house for 15 years. I am now a single woman and down to one income. They denied my application and said the only way to keep the house now is the pay all of the forbearance back now and resume full payments. {$13000.00} plus was the amount she told me.
Product: Checking or savings account

Recently, I opened a Citibank account brand new just had my direct deposit switched over from my employer. Currently, the home I live in is my fathers name however, I make all the mortgage payments and I handle the homeowners policy.. Recently recently I had a renewal on my homeowners policy and they sent me a refund check in the amount of {$520.00} my father, signed the check over to me because technically its my money since Im the one that pays the policy and the mortgage. I decided since it was a brand new account I was gon na put some money in the savings and mobile deposited the check to Citibank. They accepted the check. I think they gave me {$100.00} upfront available and the next day the remainder of the balance was available. Believing that I had this available. I went ahead and spent money on XXXX presents and so forth. Now here it is two days before XXXX  and Citibank freezes all of my accounts with all of my money. I have no money for gas. I have no money to buy XXXX dinner. I have absolutely nothing. I was not notified about this hold or freezing my accounts. I went to login and everything was gone. My accounts were completely disappeared out of my app. I cant get any answers. They told me 24 to 48 hours that was two days ago I called today theyre telling me 24 to 48 hours. I explained I have no money not even any gas money I asked them whats the expectation of what will be the outcome they cant give me an answer my direct deposit that I just newly had switched over to them is going to hit next week and I dont even know if Im going to have access to it no one will give me any answers. They barely speak English over in the XXXX. I tried counting, contacting somebody in the United States And had a branch manager contact them they are requesting that me and my father go into the branch together which is 10 hours away because the closest one is either XXXX XXXX or XXXX. They have closed all their brick and mortar locations. And are mostly online, but they wont accept documents online to resolve the issue. They want us to drive 10 hours on XXXX weekend to go down there. I am just livid. This is unacceptable in every fashion and theres absolutely nothing that I can do about it. I live paycheck to paycheck and theyre putting me in financial distress a few days before XXXX. Its disgusting and I cant get any answers and I need help.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a massage breach XXXX XXXX XXXX XXXX XXXX to give you an idea of how long this drama has been going on. I never received any type of notification from the company nor any offer for protection for those harmed by this breach, but that is the next complaint. But after reaching out to a provider, they encouraged security freezes and fraud alerts on credit cards, bank accounts, credit reporting agencies and the like. No problem with XXXX and XXXX, but Experian has been a nightmare. Freezes thaw out over night, and I receive notices that the credit file is open again and then I have to go back and place the freeze back on. I try to put a fraud alert on the file and its a doggone scavenger hunt to locate it or they are offering you all these bells and whistles for something you don't want to buy. Do they understand that we are victims trying to find relief from being victimized yet again? 

Why is it so hard to protect yourself? It should not be this hard. 

I want to cancel the membership they have me signed up for ( XXXX ) and if they can not secure a fraud alert on the file and securely freeze the info within, then they should not be keeping a file with my name on it. And that goes for any other credit reporting agency!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my XXXX  and sue for full compensations and damages incurred.
Product: Credit card

This is going on the XXXX  time with trustmark national Bank that customers continue to make payments on their credit card and the payments are not posted to the account in any form of a timely manner. This is affecting credit reporting as well as the use of their credit cards. It is making them look like they are using large portions of their credit card to credit reporting. This is also making it we're customers are not able to use their credit cards because the payments are not being posted. We have contacted XXXX  and all they can tell us is the company they are using is having some issues. This continues to happen over and over again and XXXX is not taking any steps to have it rectified they are just passing the ball onto this company without having the matter corrected. When our payments are not posted to our credit card it makes our credit card bill seem higher and that bill is reported to the credit bureau this then affects our XXXX XXXX. This has been going on with XXXX  for some time now and it seems as if they are not doing anything to rectify this issue. When we call in to XXXX  they tell us that they are aware of the issue. We have even had some of the customer service agent say they know how scary this is not to have access to your money because some of this is also affecting the debit cards. The other day I also tried to use my debit card and it was affected as well. This can not continue where XXXX  continues to have effects with people 's money and they do nothing about it or continue to just say we're working on it and it continues to take weeks at a time and continues to happen over and over and over again. It is not okay for someone to just reach out to XXXX  and them say we're working on it again and that be the end of it there needs to be some type of consequence for this to continue to happen and for consumers and customers to have to deal with this being reported to their credit for them to have to deal with them not having access to their credit cards for them to have to deal with them not having access to their debit cards this is not okay there should be some type of consequence for them not doing their job and for this happening over and over and over again and it not being rectified. I can't just change banks in the middle of all this because my card is still stuck with the money being in limbo that I'm waiting to be posted.
Product: Checking or savings account

I have discovered that bank of America in XXXX of XXXX  had opened a third account with out my knowledge or consent As you will see in document that's highlighted they took {$5000.00} out of that account and it just says overdrawn related account I never authorized them to take XXXX dollars I never authorized this account I've never had XXXX XXXX so they created this account and then took money from it documents attached
Product: Credit card

I filed my dispute with Goldman Sachs in XXXX because the merchant sold me a defective product and refused my return request. The case was opened, but they never heard back until I saw that my dispute was closed on XX/XX/XXXX. I got in touch with Goldman again and provided additional details of the response I received from the merchant, which was that they were refusing my return. I have been waiting since then and no one has gotten in touch with me, until today I saw my case is closed and being charged again. This is my first time experiencing this issue and the whole dispute process takes way longer than it should be.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from Transunion, XXXX and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - XXXX, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?
Product: Credit reporting

I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by a company known as True Accord which prompted my first request for intervention by XXXX in the month of XXXX. I requested for a validation of this debt by provision of my contractual agreement of the loan and the authorization of the company to contact me and request for payment. 
In the same month of XXXX, I received a letter from a different company known as XXXX XXXX XXXX XXXX XXXX. This company is total different from True Accord and made no refence to True Accord which is the Company that I responded. This is a misleading and false representation of debt and Agency. I perceived this act as an attempt to scam me. 
I hereby request that True Accord provide me with the validation documents request.. XXXX XXXX XXXX XXXX has no XXXX XXXX to respond to a matter not connected to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due