23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry currently showing and listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Financial SVC has listed my personal information on all 3 credit bureaus without my consent. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also 15 USC 1681 A you have to remove this negative item off of my report during your investigation. Please do not respond and tell me that the law not pertain to you. I am the actual consumer so my rights are very important to me.
Product: Debt collection

On XX/XX/2021 I attempted to set up a {$30.00} online payment with XXXX I made a typo in my account number and when I tried to fix it, the site wouldn't let me backspace and instead submitted it with the wrong account number. I tried to cancel it, I deleted the wrong info and put in a new account number, but instead of deleting the wrong one it created a second payment. I immediately contacted their online chat and tried to get it resolved, to no avail. After XXXX minutes with their chat person their answer was that they couldn't cancel a " successful '' transaction. I told them it was not successful because it was the wrong account number, but they refused to do anything about it. I emailed their customer service but they also did nothing. I contacted my bank and all they would tell me they couldn't do anything. Then I got a letter from Global Payments Check Services LLC telling me that I now owe them {$55.00} dollars and when I tried to dispute that amount they hung up on me. I have a right to dispute it, but they refused to allow it. This whole thing is because their website screwed up and now I'm being charge an XXXX percent penalty for their incompetence. It feels like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX. 
In regards to Experian XXXX XXXX XXXX  Acct # XXXX .... 

I have contacted Experian Many times with no result. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX XXXX, Attached to this compliant, IF Experian were to LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date. 
. 
Does not match : is that it was not discharged through bankruptcy. 
On the XXXX XXXXXXXX XXXX XXXXs ( OWN ) Payment Report history, attached to this compliant, The document will show that the loan was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST 3 YEARS AFTER XXXX XXXX SAID THIS LOAN WAS DISCHARGED. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXXXXXX XXXX who took the money for payment while the loan was being PAID and excepting the payoff 3 years LATER???????????? XXXX XXXXXXXX XXXXXXXX  who has verified the data on the Experian report as accurate???????????
Product: Payday loan, title loan, personal loan, or advance loan

I started a monthly installment plan through PayPal to purchase a new computer. The plan was to use this line to rebuild my credit. The plan started in XXXX of XXXX Ive paid all my payment on time with a total bill of XXXX Ive paid off XXXX of the total as I write this on XX/XX/XXXX. 
Owing a total of XXXX. They made me aware they would definitely report if I didnt pay but could give me no info on if they are reporting my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. XXXX XXXX  is still to this day pushing XXXX  days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take XXXX XXXX off of my XXXX and Experian credit reports. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( and XXXX  and XXXX  ) show that I had an account with XXXX/XXXX  in XX/XX/2018, with a highest balance of {$210.00} and a payment of {$180.00}. I disputed this with Experian, who investigated my complaint, and informed me that the reported data was correct. All three agencies show that the account was opened on XX/XX/2018 and closed on XX/XX/2018. They show an account number XXXX**** I have carefully searched all my financial records and files, and I can not find anything to show that this account existed! 
1. I have no credit or debit card with this number 2. I have no record in my PDA ( Personal Digital Assistant ) of this account 3. I have no record of any check being issued for this amount ( {$180.00} ), nor any credit/debit card transaction for this payment. And I never pay cash. 

I know that this is a relatively small amount of money, and that the " account '' has been closed for more than a year, but I am very concerned that my name has been used fraudulently for some unknown reason. I am NOT satisfied with Experian 's handling of my complaint, and I want them to tell me who reported this incorrect information to them? What were the names of the payees/vendors? What were the dates of the transactions? How much was each transaction? ( Note that the reported " highest balance was {$210.00}, but only one payment of {$180.00} was made. What happened to the other {$35.00}? ).
Product: Credit card or prepaid card

Two Credit cards were opened in my name and used without limitation. My credit score suffered greatly due to this. I am reporting due to identity theft.
Product: Mortgage

Hello, my name is XXXX XXXX XXXX, my wife 's name is # # # # # # # # # # # # # # # # # #. On XX/XX/XXXX, Specialized Loan Servicing received the final payout payment on our 15 year mortgage, account #. The payment was an automatic electronic debit from a XXXX XXXX checking account ( see line below, cut and copied from the electronic statement ) XX/XX/XXXX SPECIALIZED LOAN SPECIALIZE # # # # # # # # # # # # # # # # XXXX XXXX {$2000.00} Over a month after the final payout was deducted from our checking account, we received a letter in the mail with the letter head Specialized Loan Servicing Part of the XXXX XXXX , dated XX/XX/XXXX. 
The first two lines are as follows : " Dear XXXX XXXX XXXX & # # # # # # # # # # # # # # # # # # According to our records, the above-referenced mortgage account is delinquent. '' On Friday XX/XX/XXXX, my wife telephoned the listed XXXX number, and spoke to XXXX ( a representative of SLS on a recorded call ). XXXX informed my wife that the account balance had been received, but had not been applied to the loan. The balance was fully paid off and we were to receive an excess dollar amount from the escrow. And that we should probably receive the check first, and the deed would follow. 

On Friday XX/XX/XXXX, I received in the mail with the letter head XXXX Loan Servicing Part of the XXXX XXXX, dated XX/XX/XXXX. 
The first two lines are as follows : " Dear XXXX XXXX XXXX & # # # # # # # # # # # # # # # # # # According to our records, the above-referenced mortgage account is in serious default. '' On Friday XX/XX/XXXX at ~ XXXX, I telephoned the listed XXXX number, and spoke first to XXXX ( a representative of SLS on a recorded call ) prior to getting disconnected. On XX/XX/XXXX ( a few minutes after the disconnect ) I again telephoned the listed XXXX number, and spoke secondly to XXXX ( a representative of SLS on a recorded call ). XXXX informed me, she ( XXXX ) had no listing of my wife 's call on XX/XX/XXXX. But that XXXX had set-up and inquest into my account. I then asked to speak to a supervisor. I was informed a request would be sent to a supervisor. The supervisor would then telephone in 24-48 business hours. I was further informed although SLS call center is open on Saturday, it is not considered a business day. 

The complaint is not complex. My wife & I have fully paid off the 15 year mortgage on our house ( account # ). The payments were all on time ( automatic electronic deduction from checking ). 2 months later, we are being harassed by SLS with incorrect letters regarding default and foreclosure. 
In short, we want the deed to our property. 

Some party at Specialized Loan Servicing Part of the XXXX XXXX has dropped the ball regarding the resolution of this matter. Therefore, I am sending my complaint to CFPB. 

Thank-you for your time and attention.
Product: Credit card or prepaid card

My wife and I have a joint Chase Sapphire Credit Card. Chase permits me to have online visibility to the balance and transactions on the card via online banking. I asked that Chase also permit my wife to see the balance and transactions on the card, since she is a joint account holder. Chase says that their systems permit only one person to have access to the balance and transactional data via their online banking system. 

My wife and I also have joint XXXX brokerage accounts with XXXX for our XXXX children. XXXX permits me to have online visibility to the balance and transactions on the account via their online system. I called today to ask that XXXX provide access to the balance and transaction information to my wife through their online XXXX account system. XXXX says that their systems permit only one person to have access to balance and transactional data via their online XXXX account systems. 

My wife and I believe that both of us should be knowledgeable and have visibility into the family finances. I think that it is crazy that joint account holders can not have online access via their own credentials into the accounts.
Product: Credit card

I have new information for compalaint # XXXX ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ XXXX dollars credit? I had {$12.00} in checking account so i was led to believe this was so??? I sent out XXXX checks to other credit cards to pay them off and they were declined and had to pay XXXX dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} US XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit card or prepaid card

I have an active credit card account with Home Depot that Citibank manages that both myself and my wife had individual cards to use ( with separate card numbers ). We have kept a {$0.00} balance in the account since XX/XX/XXXX and on Sunday XX/XX/XXXX i received an automatic text message of fraudulent activity reporting an attempted purchase of {$610.00} on one of the cards. That same night, I logged into my HD account online just to find that there were 19 separate transactions made from XX/XX/XXXX to XX/XX/XXXX with a total of {$5200.00} charged to my account, 9 on one card and 10 on the other ( It appears they were all gift cards ). The next day, Monday XX/XX/XXXX, I called HD-Citibank fraud department to notify and make the report of fraudulent activity and was told that both cards were now cancelled, the dispute of the transactions was going to take a few weeks and that they were going to send me the new cards. I got the new cards in about a week, and when i followed up a couple of weeks later, i was told it was still on investigation. 
In about the third week after the report, I noticed that my account reflected a new balance, {$2200.00}, and that I was refunded for 10 transactions corresponding with one of the cards. After noticing that, i immediately called to ask about the remaining balance, and i was told that whoever made the report initially, reported only those 10 transactions ( not the other 9 ) and then closed both cards. I was reassured that they did a new report and i should get resolution in another 2-3 weeks. From that point on, i have called about 10 times, one hour call each time, every week or so to check the status and its always the same answer : " I see the charges, I dont see a fradulent activity report, i will send it to get it fixed, its done, you should see the charges gone in a few weeks ... '' and nothing has been resolved. I also sent 3 certified letters on XX/XX/XXXX to the different departments and nothing. I did received a letter with date XX/XX/XXXX confirming they received the fraud claim and then another on XX/XX/XXXX date, ( after i send the certified letters ) to inform me that they completed the investigation and that the disputed charges were removed, which is not true. 
It is now XX/XX/XXXX, and my balance is now {$2300.00} with late fees now included, I am getting late payment notices and its now showing up on my credit report as late payment since obviously i have not made any. 
I would like to get this resolved immediately, nobody authorized on the account made any purchases, those are fraudulent transactions and Home Depot - Citibank are not fixing this delicate situation. 
I appreciate your time and support. 

Thank you Concerned Consumer
Product: Credit card or prepaid card

I have a credit balance on a closed account in the amount of {$320.00}. I have called multiple times, spent hours on hold, and have been transferred to every department. They keep telling me 7-10 business days but I can't seem to get my money! Going on a month now
Product: Credit reporting or other personal consumer reports

For the past 4 years I have been disputing back and forth with Ally Financial regarding some late payments that have been reported on my credit profile that is still to this day preventing me from moving forward in my financial journey. In a 15 USC 1681d ( 1 ) ( 2 ) ( a ) ( i ) that reports containing information as to transactions or experiences between the consumer and person making the report must be excluded from the consumer reports. According to a document from their " investigation '' on XX/XX/scrub>XXXX of my dispute outlines " XXXX XXXX '' 30 day late # of occurences 1, 60 day late # of occurences XXXX, 90 day late # of occurences. As well as to report that they repossessed my vehicle. This is a gross mismanagement of Ally Financial duty to act in my best interest.
Product: Credit card

Bank of America refused to give me my XXXX XXXX XXXX miles that I was promised if I spent {$3000.00}. I spent over {$3000.00} in the first month of having my credit card. They lied to me and my wife and said they mailed us the promotional details. We both opened the mail together and neither of us found the promotion but we remembered we had to spend {$3000.00}. So we spent {$3000.00} from the day we got the card on XX/XX/XXXX to XX/XX/XXXX. They refused to give us our bonus because they said we were short {$11.00}. They told us they charged a {$95.00} fee and they didnt include that in our spending. If they wouldnt have put a {$95.00} charge on there, we would have spent the {$3000.00} because that's all we knew about the promotion was to spend at least {$3000.00}. XXXX XXXX sent and email on XX/XX/XXXX and said we didnt spend our {$3000.00} so she refused to give us our bonus. She refuseed to be professional and realize that they made a mistake and caused us to lose this bonus over {$11.00}. not {$3000.00}. She never every apologized or acklnowledged that she was wrong, she was rude and condensending. I reached out to the CEO of Bank of America and he ignored all my emails. He Never called me back or emailed me back either. They do not care about their customers!! Theyre mottos is " the bank if always right, the customer is a liar ''. Bank of America never sent us details about the promotion until XX/XX/XXXX -- after we requested the promotional details. That was 6 months too late to send us the details So, due to the dishonesty from Bank of America, we closed both of our credit cards out by XX/XX/XXXX. Then we got a letter in the mail XX/XX/XXXX stating " due to the account being closed, the mile rewards were forfeited. They continue to lie, they had a lawsuit put against them last year for withholding rewards. Do we need to seek legal action as they are doing it again by withholding information??
Product: Debt collection

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
COLLINSASSET ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00}