23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date.
Product: Student loan

I paid off Subsidized Loan XX/XX/102019, Now their is a balance of XXXX their but the payment I made was to pay it off I have called 3 times why is this amount their when I made a pay off on this account they will check into it. again I called they will put in top priority and call me on the XX/XX/XXXXthis month. Iam paying interest on this now when it should have been paid off already this is not fair to me!!!
Product: Credit reporting or other personal consumer reports

I have identified that Experian is reporting the same collection account twice on my credit report under two different account numbers. This duplicative reporting is negatively impacting my credit score and does not accurately reflect my financial situation. 

After reviewing the details, it is evident that these accounts refer to the same debt, but they have been assigned different account numbers. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and fair information. 

I have already disputed this matter directly with Experian but have not received a satisfactory resolution. Therefore, I request that the CFPB investigate this issue and ensure that Experian removes the collection accounts from my credit report immediately.
Product: Credit card or prepaid card

On approximately XX/XX/2021 I applied and was approved for a credit card with SoFi, through an online advertisement on the XXXX XXXX website offering a {$200.00} welcome bonus in the event of {$1000.00} spending on the card. I completed the application through the link on the website. I satisfied the {$1000.00} spend within 2 weeks after I got the card. My welcome bonus has never been received. 

When I contacted customer service they said they were submitting it to the " back office ''. 

When I contacted the " CEO office '', they said that they could not issue the bonus because their system did not show that I had made the application through the XXXX XXXX link.
Product: Mortgage

XX/XX/XXXX I recieved a letter of denial for modification. in that letter it stated i had 30 from that date of that letter to appeal there decision. The letter also stated no sale will be conducted until during the appeal process. I called SPS after recieving the letter in the mail at least 12 days after the date. Asking them to provide with certain documents that i would need in order to prove my appeal. On XXXX XXXX i recieved a call from a Mr . 
he advised me to send my appeal letter to " XXXX '' XXXXso i did just that he gave instructions on what to put on the letter ie in the subject box appea lwith loan number. i followed his instructions. 
after recieving the documents i requested i began my appeal On XX/XX/XXXX i sent it over I have attached the proof. On XXXX XXXX i recieved a letter stating the recieved my request for an appeal and they would get back to me within 30 days. WEll The set a sale date for XX/XX/2019, clearly im within my 30 day review period. no sale should take place, I have been calling the odsbudman dept. i spoke with XXXX XXXX.She told me that they would not postpone my sale because i was not within the time limit for appeal. I told her i was and di send it in so she looked it up and oh ok i will escalate to see if we can postphone sale date. I adviced her that we had very limited time has the XXXX holiday is approaching and the sale date is thje Monday after. She said call back MOnday XXXX, 2019 si i diid this morning only to be told to call back tomorrow There is no time left Tuesday, wensday  thats it holiday come MOnday  morning it goes to sale.
Product: Student loan

I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.
Product: Credit reporting or other personal consumer reports

Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, Today, again, I received a letter from so-called escalations representative, XXXX XXXX The letter do not have any barcode and Q-code ; therefore, I consider this letter was created for fraud. I enclose the copy of this letter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I have XXXX XXXX trying to pull my report and everytime it comes back stating that the social security number not found. Everytime I call Equifax they claim that they need verification a copy of my ssi card, utility bill and ID, I've sent it to them 4 times already. However they say they never recieved it. I sent both fax and certified mail. I feel that they are mixing my file with someone elses. Also I've been having issues with them removing inquiries from my report then somehow adding them back on.
Product: Checking or savings account

I sent a transfer out on XXXX  the XXXX of XXXX of {$10000.00} USD. On XXXX  my account was shut down and the balance was apparently {$0.00} - I never received the transfer and when I was told my account was shut down i was informed my balance was {$0.00}
Product: Vehicle loan or lease

In XX/XX/XXXX Santander became my automobile finance company after I put $ XXXX down on a car. It's now XX/XX/XXXX and I still owe just as much as I did in XXXX. I don't understand how I could pay {$32000.00}, total to date ( XXXX ) and still owe over $ 24k. I've been a loyal customer to Santander but I can't get any help with this problem. I found out today that Santander had assigned my car for repossession without my knowledge. I'm constantly threatened with repossession and I get 7-10 phone calls every week. All of this and I've paid them over $ 32k. Santander had me paying interest only some years ago and I don't know if this added more money to my loan or if it was extended. I was never told if any time or money was added to my loan. I need help with this Issue ASAP because my loan matures in XX/XX/XXXX and Santander shows that I still owe over $ 24k. Santander has made a lot of money on this deal and they are acting in a predatory fashion by trying to prolong the loan and repossess my car. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report violating 15 USC 1681c-2. Please remove them.
Product: Debt collection

In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX  account with my details without my knowledge or consent. They also removed the account from my credit listed by Midland Credit, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and Midland began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and XXXX. I gave them proof I was out of the country and I never opened the account.
Product: Mortgage

For the XXXX property tax year, due XX/XX/XXXX, Flagstar Bank overpaid my property tax bill ( paid {$6200.00} but actual due was {$6000.00} ). Flagstar said that they dont have enough help to fix this - not sure how thats my problem or why such an easy fix issue would need more representatives. The property tax overpayment adds to my escrow account shortage twice since the XXXX tax year was over paid, & the estimated XXXX is over estimated. 
Also, Flagstar pulled two PMI payments, for {$110.00}, in XX/XX/XXXX for no reason - once again, adding to my escrow shortage. Now, my monthly payment will increase {$150.00} more a month. I can not afford that especially due to their errors & negligence. 
Flagstar admitted to it being a mistake but told me theyre not correcting it or providing a revised/corrected escrow analysis because theyre short staffed. 
Theyre selling my mortgage loan to XXXX XXXX XXXX & the transfer will be finalized for my account on XX/XX/XXXX. So, there is absolutely no customer service anymore, & they blatantly dont care. 
Ive attached my property tax bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX 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

The XXXX XXXX Installment Loan Account listed on my Experian and XXXX credit report for {$5200.00}, and that was opened on XX/XX/2021 is not my account. Its a fraudulent and unauthorized installment loan account. The XXXX  XXXX XXXX credit inquiry from XX/XX/2021 is a fraudulent and unauthorized credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  cc was paid off in full over 10 years ago and it shows up as charged off which is completely incorrect! And why is it even still showing after 10 years! They keep offering me cards but because of the foreign verbal gap I prefer not to have the card again and it seems because I wont accept they offer they put this back on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a late payment for my XXXX  XXXX  despite XXXX contacting Equifax directly and asking for the late payment information to be removed. Equifax is the only credit reporting agency doing this. I have repeatedly tried to follow the Equifax dispute process without success. Equifax refuses to contact me or explain the rational for reporting inaccurate XXXX  XXXX information. Equifax insists that I follow the dispute process again. I believe Equifax knows that I can not qualify for a mortgage with a dispute or a late payment on my Equifax report so they have placed me in purgatory with no way to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I dispute some items on my credit report such as date of reporting and date of last payment. On XXXX XXXX, I receive the results of my dispute and items were erroneously deleted. These items should be placed back on my credit report this has resulted in my credit score dropping at least 30 points. My credit reporting is not showing accurately This mistake was made by Equifax and it should be fixed by Equifax.
Product: Credit card

I made a payment to my Wells Fargo Active Visa Card in the amount of {$15000.00} on XX/XX/2024. They automatically placed a hold on this payment as well as others. I have submitted proof that this check cleared my XXXX XXXX XXXX. Is it XXXX  for a bank to get funds from another bank and hold it 15 days? Both banks are in the northeast- Wells and XXXX and the check clearly cleared overnight. I email proof of the check clearing multiple times. I spoke with XXXX XXXX from the XXXX XXXX XXXX XXXX and she indicated she did not know why as the system automatically places a hold on payments randomly. Again, there should be a class action lawsuit against Wells Fargo as they are clearly holding these payments and taking the cash to met Federal overnight deposit standards. 



Thank you,
Product: Debt collection

I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.
Product: Debt collection

in XXXX of XXXX I received a summons to appear in court for Statewide credit Association about medical bills they were trying to collect. So XXXX/XXXX/XXXX I made contact with XXXX with Statewide credit to set up a payment plain because there were multiple accounts ( 6 accounts ). As I was taking to XXXX I explain I would like to be able to say which account that the payments were going to and that when the accounts was paid it either came off my credit report or showed paid in full. XXXX starting getting upset and explained to me that it could not happen that way the accounts had all been put in to one large account and until the entire account was paid nothing would come of my credit report or showed paid. Not knowing my rights I made the first payment. When I got home that night I started researching and find that Statewide had violated my rights by not applying the payment to the account I wanted. That night I wrote a letter to Statewide telling them that I wanted the payment applied to account XXXX which would leave a balance on that account of XXXX. So on my next payment on XXXX/XXXX/XXXX I sent a letter saying I want the payment to go to account XXXX which would pay this account off with a balance on the payment of to be applied to account number XXXX. I made two more payments on XXXX and XXXX both to go to account XXXX. I had not heard anything from Statewide and the account that I paid off was still on my credit. So I stated to call the original creditors on XXXX/XXXX/XXXX I made a payment to XXXX XXXX XXXX for XXXX pay off that account ( account # XXXX ) and called XXXX XXXX XXXX XXXX XXXX XXXX and paid XXXX paying off this account ( XXXX ) I sent a letter with the receipts to Statewide credit and explained those accounts were paid in full and would like that to reflex on my credit report. on XXXX/XXXX/XXXX I received a summons to appear in court for a garnishment for now payment for these accounts. On XXXX/XXXX/XXXX I paid XXXX to XXXX XXXX XXXX and sent a letter to Statewide explaining the account ( XXXX ) was paid in full and sent a receipt showing these they are still trying to collect on accounts that have been paid and the account are list individual and listed as one large account on my credit report. I just want someone to hold them accountable for there action. I was try to get a new home when all this came up and having the accounts listed more then once and them not letting me pay the account and them remove or showed paid on my credit has hurt my credit.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 Equifax has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX  report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I victim of identity theft and I have supplied all the proper documentation showing that the criminal charges that are attached to my name is fraudulent!!! I have issues with the way SafeRent is handling the investigation of these fraudulent charges attached to my name. I feel they are not following the rules and guidelines of the FCRA by not properly investigating the criminal records properly. By simply contacting the reporting company and reporting what the report falls very short of an investigation,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank charged off my car and are still trying to collect payments. The Law states that once it reaches the charge off stage, the company needs to provide the customer with a 1099-C. This will be labeled as fraud by that company. 


Capital One Bank charged off my account and still trying to collect payments which is fraud. The amount is {$230.00} and this needs to be removed from my consumer report asap. They need to provide a 1099-C also.
Product: Debt collection

In a previous complaint regarding this debt. The creditor agreed to remove this and cease collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion recieved personal information and reported it on me from a company called LCI- I've contacted LCI many times to opt out of there services but they just keep asking me to leave a message an nobody gets back to me. I have never given LCI or Transuniuon Permissible purpose to report anything on me. I've emailed LCI to cease there illegal reporting on my violated my consumer rights. This is tstopping me and my children from Purchasing a home and we may soon be homeless please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting account number and opened date wrong in this account ( XXXX XXXX ) Please correct this information or remove the account from my credit report.