23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XX/XX/XXXX, the Bank charge the annual fee to my account in the amount {$95.00}. Later this month, I called the Bank to close the account and was offered an annual fee waiver. The Bank refunded the fee ( {$95.00} ) on XX/XX/XXXX. At no point it was disclosed to me that the Bank would treat the refund as income to me and that it would issue a XXXX form recognizing my " income ''. Refunds are never income because I was first charged first {$95.00} and then had it refunded. After I received the XXXX form from the Bank, I spent XXXX hours over the period of XXXX days to have it corrected. Each day, I got transferred at least XXXX  times to different agents. In the end, they refused to help asking me to escalate it. The final " no '' came on XX/XX/XXXX. As a result, I'm filing this complaint. The Bank failed to proper classify annual fee refunds resulting in misreporting my income. In the alternative, the Bank was supposed to notify me about the tax implications of this particular offer if their system is not set up to properly classify fee refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

New rez is lied on forum by replying to my previous complain XXXX that no negative credit reporting was done by new rez team. 

I am attaching email from New rez team " XXXX " for loan number XXXX where they advised me new Rez couldn't refinance my loan because negative credit reported buy new rez team. 

2nd. I am attaching other mortgage lender email where they said they cant do refinance OR new loan because of negative credit reporting. 

How can New rez lie in forum and how can this forum accept lies and close my case.
Product: Payday loan

Castlepayday.com proposed one amount and then fradulantly proposed a different amount on another document.
Product: Credit reporting or other personal consumer reports

i have contacted XXXX Equifax and XXXX  to remove fraudulent collection accounts From my credit file to no avail. I have submitted the ID Theft reports going back to 2014 and earlier and the accounts continue to reappear on my reports after they were previously removed. there should be no collection accounts or delinquent accounts on my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Credit Bureau is reporting inaccurate information in XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$790.00}
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXXXX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Checking or savings account

I signed up for square to process my credit cards for my XXXX XXXX XXXX. I have never had a problem using them until one customer XXXX XXXX XXXX XXXX XXXX The first account with them was deactivated by them because the charges were more than what I usually took. Once the job was completed I was called to move equipment again and I tried to sign up for another account. They let me sign up and this time I ran the transactions separately so my account wouldnt get deactivated and it still was. They wanted additional information which was provided to them and they still deactivated my account, the first account still has my money they are holding and they are trying to hold this ones money as well, they are stealing from me.
Product: Debt collection

Ive contacted Midland Funding, LLC multiple times, asking for documents regarding the money they are saying i owe them. They keep requesting i pay them without telling who they are or why they are charging me this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with XXXX XXXX/ consumer relations acknowledging information reported erroneously on my file. I disputed the following acct ; XXXX XXXX XXXX account number ending # XXXX back in XX/XX/2019. The account was showing a negative balance. After disputing the account with XXXX XXXX, the account now reads paid in full. I disputed the account as inaccurate, I never owed XXXX XXXX XXXX any financial compensation. I explained this issue to XXXX XXXX, However, the account is still showing on my report. I have been unable to obtain a new bank account due to the false reporting on my file. I recently receive letter from XXXX XXXX XXXX which excludes from this account. I forward the letter to XXXX XXXX   earlier XX/XX/2019. The letter indicates that the account should be removed from my file. I never paid XXXX XXXX XXXX, because I never owed them any money. Ironically, the account now reads paid in full after I disputed with XXXX XXXX.I have enclose a copy of the document receive from XXXX XXXX XXXX dated XX/XX/2019 for the removal of this account. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this matter resolve. I have not been able to open a checking account due to XXXX XXXX   allowing this false and erroneous information to remain on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX  . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.
Product: Money transfer, virtual currency, or money service

I sent money from my checking account via an app called Albert on XXXX, it failed on XXXX  side and it was apparently voided. Albert said theyre looking into it and it shouldnt take more than 3 business days. Its now the third business and Ive heard nothing from Albert, I called XXXX  and the nice lady sent me an email to send to Albert
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I just noticed a few issues with the bankruptcy on my credit reports. From my understanding all reporting to your company is supposed to be 100 % accurate, but for some reason, the accounts listed inside of this bankruptcy is not reporting correctly. They are reported wrong. Please investigate the accounts listed below -- PUBLIC RECORD CREDITOR : US BKPT CT CA XXXX XXXX ACCOUNT INFO : REFERENCE NUMBER : XXXX -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Several inquiries have appeared on my report. I have disputed them directly with Equifax. I opened a dispute here about this. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 I want to attach the documents I received from the companies showing that they contacted equifax. I took those documents and faxed/mailed them to equifax. Yet equifax refuses to accept them. 

I feel stuck in between, being told one thing from equifax and another from the companies. I have made hundreds of calls to equifax. Nothing is being resolved. 


Please see attached
Product: Student loan

My student loans have been with Navient a.k.a XXXX since XX/XX/XXXX, When I graduated in XX/XX/XXXX, I was told by a representative that I was not allowed to consolidate my loans, do an income-based repayment plan, apply for a forbearance or deferment, or lower the interest on my accounts. Over the past 7+ years, my loans have more than doubled. Going from {$47000.00} ( the original borrowed amount ) to {$97000.00} ( according to the amount posted on their site. ) When I spoke to the representative during that time, I was told that my monthly payment would be almost {$600.00} and I told them that I had only made about {$XXXX} working part time at XXXX XXXX. 
Now, my credit report is severely damaged as each loan is broken down as individual loans and not a consolidated loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!
Product: Vehicle loan or lease

I paid over 6 % interest on my vehicle loan. I am XXXX XXXX with XXXX XXXX XXXX Louisiana. Request XXXX  XXXX  under Louisiana State Law.
Product: Vehicle loan or lease

This company is nothing but incompetent. We called on XX/XX/XXXX requesting that our due date change be moved from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. We were told when we initiated the loan that after our first payment, this would not be an issue. We were NOT told that it was too close to the due date to change. We were told it had been taken care of. 

When we first called, they said it was taken care of and to check back in 72 hours. We did. We found out that instead of a date change, they had filed a deferrment, and our due date change wasn't even logged. No worries, as we still had time before our due date, and we could fill out the form again. They assured us that even with the forms, it was ok, because there is an 10 day grace period after the due date. So we did, we asked again. And again, and again. We were repeatedly told that our due date would be the XX/XX/XXXX, until well past the XX/XX/XXXX of the month. My husband had been the one calling, but I called on the XX/XX/XXXX to find out what was going on, and I was told there was no record of him even CALLING. When we called on the XX/XX/XXXX, we were told that now our account had been charged interest and late fees. We stated our situation, we were promised a due date change. We had " supervisors '' tell us that they would waive the late charges because of the previous employees mistakes. We What they didn't tell us, was that they would be charging additional interest for every day passed. 

I spoke with XXXX, who initially claimed he was management. This was a lie, as when I called again to speak directly to him, he said he would be forwarding a due date change request to management. Management has yet to receive any of our requests, so I am starting to believe this " management '' does not exist. I told him I would make our normal car payment of XXXX today, and escalate the fees and interest to management. He said it wasn't possible for me to make less than XXXX, which was the new charge with " interest ''. 

I told him I was done with the call, and would make the payment online, and he said that wouldn't be possible. I made the payment online after we hung up, another lie. 

We have been lied to, charged ridiculous fees for things we were promised would be resolved, and have been put through an intense run around. I am beyond fed up with this company, and they need to be investigated for their beyond shady practices. 

DATES OF CALLS : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-union refuses to process the request that was forward over to them in certified mail that stated XXXX XXXX documentation associated with this account bearing my signature delivered XXXX XXXX
Product: Credit card or prepaid card

I was told a supervisor was going to call me and never received a call. 

This is associated with another complaint : XXXX
Product: Debt collection

They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  - XXXX XXXX XXXX Equifax XXXX : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX XXXX Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files . 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts. 

Equifax : Debts not owed -ID Theft Block and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX XXXX {$2900.00} XXXX XXXX {$2200.00} Equifax Report XXXX XXXX XXXX XXXX XXXXdentity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} XXXX ID Theft Disputed ID Block Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$350.00} XXXX XXXX XXXX XXXX {$12000.00}
Product: Credit card or prepaid card

In XX/XX/2021 I contacted Chase freedom credit card company to close this account. I paid the balance off in full. I then checked the account at the next billing cycle, and made sure everything was paid off. After the time that I closed the account, the company allowed charges to continue through. Also charged me late fees for not paying the account. In XXXX I was made aware of this, and I contacted the company again. I disputed the charges, told them to close the account again, and they reversed the fees and charges. 2 months later, I had the same problem again. I have called them multiple times to close the account, each time they tell me they will reverse the late charges, inappropriate charges, and fees. At one point, a charge did come through that was mine, from a reoccurring account. I did allow that, but they would not let me pay it due to things " still going through ''. I am still attempting to get this fixed. On monday, XX/XX/XXXX, I called and was placed on hold several times, lasting over an hour, then was disconnected while I was trying to get through to the resolutions department. This company is incompetent, and is not following the civil code of the intra and interstate banking law.