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

On XX/XX/2018, I tried to make a purchase at XXXX XXXX. At the register, they talked me into opening a credit card and make a purchase using their credit card. I opened and made a purchase with a credit card. I never received a statement from XXXX XXXX. So I did no know when the payment was due. I had an outstanding balance of {$230.00} on XX/XX/18, which is when they charged me a late payment of {$27.00} as well as a finance charge of {$4.00}. I called them on XX/XX/XXXX and made a minimum payment of {$45.00}. They reversed the late payment fee on that day. After that payment and reversal my outstanding balance went down to {$180.00}. On XX/XX/XXXX, they charged me another late payment of {$27.00} and finance charge of XXXX on the outstanding balance of {$180.00}. I paid off the outstanding balance of {$180.00} on XX/XX/18, which left the account with only outstanding amount of XXXX consisting of late payment fee of {$27.00} and finance charge of {$4.00} which had been charged on XX/XX/XXXX. On XX/XX/XXXX I got charged another late payment fee of {$27.00} and finance charge of XXXX. This late payment fee and finance charge was charged on an outstanding balance which consisted of purely finance charge and late payment fee. The total amount of fee charged equaled the outstanding balance. On XX/XX/XXXX, a payment of {$34.00} was made to cover the outstanding late payment fee. On XX/XX/XXXX I was charged another late payment fee of {$27.00}. I made another payment of {$34.00} on XX/XX/2018. I was then charged another late payment fee of {$27.00} on XX/XX/XXXX as well as finance charge of {$2.00}. I would like to ask that XXXX XXXX credit card reverses all of its late payment fees charged since and including that of XX/XX/XXXX. That's a total of 4 late payment fees of {$27.00}. Those late payment fees should not have been assessed as the credit company charges late fees on a balance consisting of purely late payment fee which was only few dollars more that the late fee they charge.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/2019, I submitted a money transfer inadvertently to my ex-wife 's account. I immediately called USAA and tried to reverse the payment. As it was a USAA to USAA money transfer, the representative stated he could not cancel or retrieve the payment. I informed the representative, that this was to my ex-wife and we are not on amicable terms. I asked if he could reach out to her and request the transfer be reversed. He refused and stated even though it was a mistake it has been done. I then asked to speak the executive resolution team. After being on hold for 20 minutes, I was told they are busy and they would return my call later. As I work abroad, this was cumbersome at the least. After the call, I completed some research about whether I my ex-wife could keep the funds from the transfer and the banks responsibility. The bank is required to be your advocate and attempt to reach the other party to see if the party will release the funds. As of now, USAA has done nothing to assist and has failed to be helpful at all. For anyone else in this predicament, you have legal rights to obtain your funds for inadvertent fund transfers. The key to a return without legal intervention is for your bank to be proactive and advocate for you. Additionally, this is needed as proof if the other party refuses to return your funds. I am truly disappointed in USAA in this matter. I have been a faithful member for almost 20 years. I would assume the loyalty in itself would mandate at least a letter or call from the institution to the other party. I will be looking for other banking institutions that treat their members better.
Product: Checking or savings account

I opened a Bank of America checking account on XX/XX/year>. I received a virtual card so I went to deposit {$770.00} in cash to their outdoor ATM. During the deposit they atm gave an error message saying it wasnt going to return my cash or deposit I needed to contact the number on the receipt. I went inside BofA and they said they couldnt help to call customer service. I called to make the claim they said they would credit the account temporarily and they have not. It has been almost 7 days and Ive called every other day without a resolution even when escalated to managers. They refuse to credit my account with the cash amount I put in their atm. I am upset and frustrated as this was my car payment and its now past due and could be taken away as I am going through a financial hardship right now and that was the only money I had for my bill. No one has cared or helped I just get the run around and I am tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/2020, and XXXX  has XX/XX/2020 and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Debt collection

There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.
Product: Debt collection

Complaint against XXXX XXXX XXXX XXXX acting on behalf of Great Lakes Higher Education Guaranty Corporation : Account # XXXX.
I have contacted XXXX XXXX XXXX several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails.
Now I have been sent another letter stating they have reported this debt against my credit.
XXXX XXXX XXXX does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls.
The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return.
These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
Product: Mortgage

We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. 
I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. 

I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. 
I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. 
I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 
XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. 
After daily calls to Ditech Financial LLC the issue is still not resolved.
Product: Credit card or prepaid card

I have had this credit card with Bank of America for 28 years. 
In mid XXXX of 2019, I reported fraudulent charges made to credit card to Bank of America The amount exceeds {$25000.00}. 

A brief history : About the same time when fraud charges were made, my phone got jammed which forced me to go and seek help from XXXX XXXX XXXX. XXXX XXXX XXXX alerted me that someone was trying to use my phone and recommended to change to a new SIM card. I did not know that someone was using my card. 
The next day, a XXXX store clerk from XXXX XXXX texted me saying she found a bag I might be interested in following yesterday 's purchase. I told her that I never went to that store. Communicated with the stores clerk, learned that the person who were doing fraud purchase bought a XXXX bag yesterday and left the phone number for a new item. The clerk said she remembers the person to be XXXX ... .confirmed that the store had a security video recording of her making the purchase using my card. 
I called Bank of America to let them know that there were fraud charges made on my card and freeze the activity. The Bank of America said they would issue me a new card. 
I filed a police report on these fraudulent charges. 

Actions taken : 1. reported the fraud charges to B of A 2. got the proof for why & when SIM card changed 3. filed a police report 4. send via fax as well as US mail " twice '' all the documents to B of A Fraud Dept. ( they claimed they never received them ) 5. wrote a personal letter to the B of A Fraud Dept. in XXXX of 2019 when no action is being taken by B of A Fraud Dept.

6. received a resolution letter in XXXX of 2019 saying all the charges were dropped and credit agencies would be notified of this action to clear all the mishaps which affected my credit score.

7. The charges still remain outstanding despite the resolution letter.

8. wrote another letter demanding fraud charges to be dropped or cleared.

9. received a letter in XXXX of 2019 saying they are reopening my case. 
10. I hired an attoney to represent me and file a lawsuit if necessary to resolve this issue 11. my attorney sent a letter and called a number of times ... .no response yet. 

My bankers XXXX XXXX XXXX XXXX XXXX XXXX tell me that, among bankers ' conversation, it is a known fact that Bank of America is notorious in matters like this betraying the trust that the customers have. I don't know whether to believe this. I don't want to ... but their action of reverting their own resolution puzzles me, and it is beyond my comprehension. 

My issue has dragged on more than a year now with no resolution which has affected my life greatly : credit score ( hard to finance anything now ) and emotional well-being. This should not be something anyone deserves especially for a identity-theft victim, and especially by a leading banker like Bank of America.
Product: Student loan

I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other XXXX auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Product: Credit card or prepaid card

I mailed a letter dated XX/XX/XXXX to Vanilla VISA Gift Card, Customer Care, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX requesting Vanilla VISA Gift Card replace 3 gift cards that expired in XX/XX/XXXX. I attached a copy of the front and back of each card, including the number, expiration date and 3 digit number on the back. The first card did not show a value. The second and third cards showed values of {$25.00} and {$50.00}. 

I received a letter dated XX/XX/XXXX listing Case Number XXXX from Incomm XXXX XXXX XXXX XXXX XXXX XXXX XXXX advising that Vanilla VISA Gift Card would not replace the cards because I did not have : 1 ) purchase receipt/s ; or 2 ) verification of address ( within 90 days ).

Obviously I would not have a purchase receipt since I was gifted the cards. The " verification of address ( within 90 days ) '' is unclear. What exactly would I be verifying my address within 90 days of?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB Lawsuits highlighting significant issues with the platform. Despite using Zelle multiple times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed offenders to exploit the system, leaving us vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXXCREDIT TECHNOLOGY, INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XXXX and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.
Product: Debt collection

Company attempting to collect debt not owed by filing a fraudulent collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported 30 day late payments to Transunion, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to XXXX to pay off the car when they said they would, or XXXX did not process it, until XX/XX/XXXX. XXXX did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the XXXX payment coupons, showing my due date was the XXXX of each month. By the way, XXXX demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask XXXX where I should send the invoice for their late payment fee.
Product: Debt collection

To request the removal of medical records from your credit report, you can follow a structured approach. Heres a template for a letter you can use to dispute the medical entries. Make sure to customize it with your specific details : -- - Credit Bureau Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Medical Records from Credit Report Dear Credit Bureau Systems, I am writing to formally dispute the inclusion of medical records on my credit report associated with my personal information and congress passed a law to remove all medical records off consumers credit report. The details of the account ( s ) in question are as follows : - **Creditor Name : ** Credit Bureau Systems - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$830.00} Under the Health Insurance Portability and Accountability Act ( HIPAA ), my medical information should not be disclosed in my credit report. The presence of these records is not only inappropriate but also violates my privacy rights. 

I kindly request a removal of any medical accounts from my credit report. I have attached relevant documentation that supports my claim. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime closed my account without notice. I was disputing a charge from an unknown person from XXXX that used XXXX XXXX to withdraw funds without my permission, in fact I didnt even know her. While it was being disputed they closed my account and sent an email stating I am not eligible for a refund. I had XXXX dollars in the account. I called and they wont give me any info or tell me what happens to my balance. They accepted a deposit the same day they closed my account.
Product: Credit card or prepaid card

XXXX XXXX XXXX has had an ongoing problem with their rewards program. I have made XXXX  calls and send XXXX emails since XXXX. 
On the XXXX call I was assured the rewards would be available the next time I shopped at XXXX 'S. That did not happen. 
The next call I was told the problem would be resolved by the end of XXXX. I have shopped XXXX since the end of XXXX and have yet to be able to redeem my rewards. 
The emails seem to be answered by a robo answer. I tried to call last week and hung up after being on hold for XXXX XXXX XXXX XXXX XXXX 
When I look at my account on line, I see that I am entitled to {$90.00}. I need to get that money. It is my money as promised by my agreement when I got the credit card.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove a debt out of collections that I have reported multiple times for improper information and reporting ; they keep changing the information on it but not actually investigating the need for removal. On my report on multiple accounts the account shows paid in full from one company but is also in my collections saying I owe with another company. I contacted both companies & they did not respond or send the information I requested which was proof of contact or lease, Instead I received a email saying the original company has ran my credit for another lease and denied it but I never asked or signed anything asking it to be ran. Now I have new inquiries and a XXXX collections that im not responsible for tanking my report. The new creditor harassed me for payment sending mail and continuously calling to a point I had to block the number. The account needs to be removed because there is to many mistakes on the account, and Experian is not handling it accordingly