23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I spoke to a representative from American Express. I asked for my payoff balance to ensure I would be at and stay at a XXXX balance. I paid my balance to XXXX on XX/XX/XXXX with the help of an American Express representative. Now i am seeing a {$450.00} interest charge after I paid the whole balance. I asked them to remove this charge as I asked the rep to pay the whole balance when I spoke with them. 

The representative told me it was a valid charge of interest from the previous statement until I paid off the amount of my balance on XX/XX/XXXX. 

I have a MAJOR problem with this when I asked the representative to pay the balance in FULL to get my balance to XXXX. So why would AMEX not include this when I asked for the WHOLE payoff amount was at this point. It is a deceptive practice. I asked that it be removed. The declined as they stated it is a valid charge. 

FROM AMERICAN EXPRESS I understand you paid down the balance to {$0.00}. However, when interest fees are applied on the account, it is applicable until the day you paid down the balance in full. As you paid the balance in full on XX/XX/year>, interest fees are applied till XX/XX/year>. 

My issue is that I was made to understand I had a XXXX balance and if I hadn't checked, I wouldn't have known I still had a remaining balance on the account and would have not paid it. 

This is a deceptive practice. 

I RESPONDED WITH THE BELOW That isn't the point. When I was told I had a XXXX balance, do you see why it is unreasonable to find another charge 5 days later after you see a XXXX balance? 
When I ask for a payoff amount and I pay it. I think it is unreasonable to see another charge 5 days alter then AMEX I understand your point, interest fees are posted only when the statement is closed. That is the reason you are seeing this interest fee reflected on the XXXX statement closing. 

THEN ME AGAIN So if you understand my point, please remove the charge Again they declined even though they acknowledged I had a point. 

I then asked for an employee # to reference in a complaint. The representative declined to identify themselves in any way. They said I was being transferred to their supervisor in the chat. And even when I asked no one responded any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on my cousin XXXX Discover card which has a {$10000.00} limit. I have my own Discover card also but thats where my problem is. The issue here is on XXXX it says there is one late fee. Discover and my cousin have worked all this out and I just want the late fee off my file like it is for him. I have tried calling Discover but since I am not XXXX they will not talk to me about that account. My cousin XXXX who is the card holder of the account called up and they said they would fix it within 10 days business days which they have not done. I just want this late fee removed has his record is 100 % on time payments
Product: Student loan

What is going on with Aidvantage/Fed Student Gov? I have two schools ( XXXX XXXX and XXXX XXXX  ) that are a part of XXXX XXXX XXXXXXXX, but Aidvantage/Fed Student Gov only forgave the recent XXXX XXXX XXXX XXXX balanced loans that were consolidated. Both XXXX XXXX XXXX and XXXX XXXX XXXX loans are a part of the consolidated loans ( loans 3-5 ) that should have been forgiven, but were not. My forgiveness had been in progress for about a year until I recently inquired and was told that loans with a XXXX balance ( loans 1-7 ) were forgiven as of XX/XX/2023. This is unacceptable and is a violation of the XXXX XXXX XXXX settlement. All XXXX XXXX XXXX and XXXX XXXX XXXX loans should be forgiven and must be deleted from the consolidated balances. My XXXX XXXX XXXX  student loan forgiveness was not evaluated properly nor timely.
Product: Credit reporting or other personal consumer reports

Our home mortgage was with XXXX when I experienced a job loss due to COVID19 Pandemic. At that time XXXX approved our forbearance status beginning in XX/XX/2020. When our mortgage was acquired from XXXX by XXXX XXXX XXXX XXXXXXXX XXXX reported our mortgage to the Credit Bureaus as being over 180 delinquent - even though we were in an authorized forbearance program. With that erroneous report, my credit score dropped from XXXX to under XXXX. I have contacted XXXX multiple times asking them to correct THEIR mistake and report to the Credit Bureaus that the delinquent report they they sent was not accurate. The customer service team members at XXXX agreed that XXXX should not have reported us as being delinquent, made notes on our account, and sent a request with notes to the authorized department to fix the mistake. After " elevating '' the request multiple times, XXXX has yet to take responsibility for their mistake and make corrective actions- including reporting to the Credit Bureaus that they mistakenly reported us as delinquent. The result of this mistake and lack of action to correct it has decreased my borrowing ability and substantially increased my cost to borrow money. I am filing this complaint with CFPB to have a public record of my grievance and to hopefully compel XXXX to do the right and ethical thing to correct their mistake and restore my credit and good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX  # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken
Product: Debt collection

THIS PURPORTED DEBT IS IN COLLECTION WITHOUT M KNOWLEDGE.
Product: Checking or savings account

On XXXX XXXX I was scammed due to people posing as USAA agents who got into my account and illegally transfer $ XXXX into my account and withdrew XXXX XXXX dollar checks out my account. Then USAA came and saw the funds return and left me $ XXXX in debt and they are trying to say it's my fault.
Product: Checking or savings account

My phone and wallet were stolen and I reported this to my bank, Huntington, as soon as it happened. The thieves got into my online Huntington account and transferred {$3100.00} to themselves over 7 transactions through XXXX XXXX and XXXX transfers. I disputed all these transactions and their investigation determined these were valid transactions because they happened on my device even though I called Huntington and told them the phone was stolen as soon as I realized it was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts are reporting inaccurate information and have no been properly investigated by your company!
Product: Checking or savings account

Recently, I got mail from Bank of America with a new account number and a statement showing beginning balance, deposits, etc. However, I did not request this account and I believe it was opened as a result of fraud. I visited the local Bank of America branch on XXXX XXXX in XXXX, WA and reported this as fraud, but was given a telephone number to call to resolve the issue. I called the number and was transferred a number of times but I never could reach someone that could help me. There was no automatic choice on any of the menus to report an account that was opened by an identify thief or similar. In short, there is no mechanism in place at the number I called to provide help for this problem.
Product: Student loan

XX/XX/XXXX- I took the forbearance option because the payments that Sallie Mae demanded got out of control XX/XX/XXXX- they did a financial check of me and my co-signer. It was determined that we did not make enough money to keep a roof over our heads and be able to pay what they were requesting. We told them how much we could afford, but they still refused to go down and only went to {$800.00}, which we determined there was no way we could afford. 

XX/XX/XXXX-XX/XX/XXXX- tried writing letters dm requesting written communication to figure out payment plans. They would not respond and they still will not work with me. Now I am at risk of default because they are refusing to help me.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX  XXXX  Credit Card Account # XXXX : Please DELETE from Credit Report Please remove this inaccurate information from Credit Report. Thank You.
Product: Credit reporting or other personal consumer reports

Transunion is not following the laws this account XXXX XXXX  was fraudulently opened I asked numerous to remove from my credit report I sent in ftc reports!!! I asked them to send me the ORGINAL ADDRESS WERE THIS ACCOUNT WAS OPEN I HAVE XXXX KNOWLEDGE OF THAT ACCOUNT!!! It was open fraudulent.
Product: Credit card

CFPB : BEFORE YOU CLOSE THIS CASE BECAUSE YOU REPEATEDLY THINK IT ISI THE SAME ISSUE, LOOK AT THE ATTACHED DISCUSSION I HAVE HAD WITH YOUR OMBUDSMAN. AM I IN THE XXXX XXXX?

I AGAIN REPEAT : THIS ISSUE IS NOT RESOLVED. IT IS HAPPENEING AGAIN BUT AND THAT IS A VERY XXXX XXXX XXXX IT IS HAPPENING WTH DIFFERNET VENDORS. 

SO DO NOT CLOSE THIS CASE OR I WILL HAVEW TO GO BACK IN CIRCLES WITH THE OMBUDSMAN. LOOK AT THE ATTACHMENT FROM THE OMBUDSMAN!!!!!!!!!!!!! 

CAN SOMEONE AT CFPB JUST SIMPLY COMMUNIKCATE WITH THE BANK BECASUSE THEY CONTINUE TO IGNORE. 

It looks like the XXXX Bank is up to their old tricks. This is an old story that just never dies. I have always been the primary card holder. XXXX XXXX was an authorized user and then I threw him off the card. The bank allowed him to have XXXX digital wallets that kept on automatically creating purchases on my card they failed to take him off. In fact, how could he even make those digital wallets in the first place because he was never ever ever a primary card holder and according to the banks own terms and conditions only the primary cardholder has the power to do that Anyway here are the purchases that are still stuck on my XXXX card. They have been on my card for over two years and I have asked the bank over and over and over again to take them off. I have spent hours and hours on the phone writing them. Emails sending letters and they are still on my card these idiots need to remove these purchases from my card and then remove all of the interest payments for the past 2 1/2 years. Or I will take them to court. This is absolute XXXX. I have spent XXXX of dollars with this bank for almost 40 years and they can not get there shiitake together. 
XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV Funding C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX XXXX : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear XXXX XXXX, I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number, to secondary creditors . As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities.

As stipulated by the FCRA, I am entitled to : 1. The right to be informed if information in my credit report has been used against me.

2. The right to know what is in my file.

3. The right to dispute incomplete or inaccurate information.

In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action.

I demand that you immediately : 1. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties.

2. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information.

3. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties.

4. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number.

5. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights.

Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate. 

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors. 

Each inquiry remains unverified because no direct contact to the furnisher was made.
Product: Debt collection

A random account that went by ( XXXX XXXX  XXXX ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( ASSETCARE LLC ) and when I looked into it, i noticed that it was for the same amount that the ( XXXX XXXX XXXX ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.
Product: Credit reporting or other personal consumer reports

recently i review my credit report with Transunion,, XXXX XXXX this is in violations of accuracy of report At present, under 15 U.S.C. 1681e ( b ), and and 1681i. 
please remove the following accounts 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 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

I have been trying to fix an error that is reporitng on my credit since I started repairing my credit in XXXX  2017. I have sent numerous letters, faxes, certified letters, phone calls, etc to Transunion to correct this. I recently filed a dispute back in XXXX and they removed one of the inaccurate collections, but failed to remove the other from the same company. Transunion has yet to notify me of who they spoke with to verify that this information is accurate. I have also reached out to the collection agency to rectify this situation, but they refuse to respond to my request. The only thing I need is for Transunion to update and correct my credit report b/c it 's affecting my ability to obtain credit. Thank you! 

The collection reporting is XXXX XXXX XXXX  {$1500.00} Attached you will find the letter that was sent to XXXX.
Product: Credit reporting

I was first made aware that I had an outstanding debt with " XXXX XXXX '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX. I then called time warner cable approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias XXXX ) ; but only on the instance in my credit report Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Disclosure verification of debt : Right to dispute notice not received DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove debt as listed on my credit reports with all XXXX credit reporting entities Immediately. The amount of time, agony and negative reflection this has caused is unacceptable, and their lack of concern for follow up ; and dishonestly about doing so is extremely concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed two falsely reported late payments that are still showing up on my Experian and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and I have some inaccurate information reporting. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed these accounts because it is fraudulent and I have filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on these accounts. Who did you interview to come to this conclusion that this was my account? This is a violation and I am asking that these accounts e delete ASAP from my consumer report or I will file a lawsuit. 

I was apart of XXXX XXXX. 15USC 1681C-3. I am already going through a tough time and I have to deal with this type of stuff. I am trying to get y life together and these things are holding me back.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below SYNCB/RMSTGO XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/20XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting late notations for 2021. We have been going through some financial troubles for a while and Covid really sent us over the edge. We ended up getting really sick and have just been having a hard time getting back on our feet. I ask that Chrysler Capital please make a onetime good will adjustment and remove just the 2021 late notations.