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

My BBVA credit card was charged a {$99.00} annual fee for the upcoming year. I immediately called to close my account and was told the annual fee would be waived since I am no longer keeping the card. A month later, I received a statement still showing the annual fee plus a late fee and interest charges. I am baffled that a credit card company would close an account and still try to charge the annual fee. No other U.S. credit card company operates like this. This is incredibly deceptive and unfair.
Product: Money transfer, virtual currency, or money service

I sent {$120.00} UDS online utilizing Moneygram on XX/XX/XXXX. It was not indicated to me that this was a 3-4 day transfer process at the time I made my transfer. Subsequently, the pending transfer was listed in the XXXX XXXX account which I transferred the money from on the following day Monday XX/XX/XXXX, and settled out of that account of that account on Tuesday XX/XX/XXXX. I have emails and time stamps on my banking records to document this. 

It is now 5 days ( 4 business days ) since I initiated this transfer, and the funds have yet to settle into the account for the recipient XXXX XXXX to pick up locally in XXXX. My calls to Moneygram have been unsatisfactory to say the least! Their customer service is pathetic. I find their conduct unethical and lacking integrity. They should be censured for the disingenuous manner which they are conducting business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute straight to Granite ( XXXX XXXX XXXX ) about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from Granite via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and XXXX  and 180 days late at that point with XXXX.
Product: Debt collection

To ensure that the non-creditor report only 100  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 

12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) ( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name ; ( ii ) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.
Product: Credit card or prepaid card

On XX/XX/2022 I contacted Chase at XXXX and spoke first with XXXX and then a XXXX XXXX both from the XXXX XXXX site regarding a dispute from a hotel stay from XX/XX/2022. After a lengthy discussion XXXX told me that she would initiate the dispute and that the charges in question would be credited back to my account while the dispute was being researched, and also that I would receive a request for additional details about the dispute through either mail or the Chase.com site. The charge was not credited back to my account nor did I ever receive the follow up information. 
During the call I also expressed a complaint about the reluctance of Chase to file the dispute on my behalf and was told that someone from the executive office would call me to better understand and resolve the complaint. This follow up also never happened.
Product: Debt collection

I received a call on XXXX/XXXX/XXXX from SRG legal outsourcing representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by XXXX via SRG. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company SRG. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
Product: Debt collection

{$2600.00} I do not owe this debt and it does not belong to me. I've contacted credit 3 bureaus regarding this matter and the company listed to report inaccuracies. They continuously post to my credit report without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the information provided by Experian ( CFPB complaint ID No. XXXX ). The similar complaint with XXXX was handled differently. 
XXXX Complaint CFPB Id number is XXXX. XXXX deleted the information as it is inaccurate. The response by XXXX is given below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. 

FURTHERMORE, I REQUESTED EXPERIAN TO HAVE CURRENT AND CORRECT ADDRESS AND OTHER INFORMATION ONLY AS I AM AFRAID OF IDENTITY THEFT. HENCE, I REQUEST EXPERIAN TO HAVE ONLY MY AUTHORIZED ADDRESS FROM MY STATE ID AND ONLY RECENT PHONE NUMBER. I REQUEST THEM TO REMOVE ALL MY PREVIOUS UNNECESSARY INFORMATION TO PROTECT MY PERSONAL PRIVACY THROUGH APPLICABLE LAWS.
Product: Mortgage

In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

Booked stay on XXXX for XXXX nights in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. When we got there, the apartment was not clean, specially considering XXXX circumstances and that the host was marked as " Enhanced Clean '' where they are committed to a 5-step enhanced cleaning process. I called the Host and airbnb immediately, per their policy. After exchange of messages, we left the premises and found a hotel. Both the host and airbnb customer services did not respond for hours, leaving our family on our own during XXXXXXXX XXXX  and XXXX day. The host agreed to cancel our reservation and issue a refund, but we were only refunded for the cleaning fee. I followed up with both the host and airbnb and they considered my issue as a " cleanliness over oversight ''. Bottom line is, the host was not prepared to provide the service, she agreed to refund and airbnb did not help. 

Later on, I dusputed this charge with Citi credit card and they did not solve my issue. The truth is, I'm being charged for a service that I didn't receive. I tried contacting them all, but here I am, still wanting to find a resource to get this charged removed. 

The original charge was on XX/XX/2020 for {$1700.00} and I was refunded the cleaning fee for {$270.00}. So there is still the net amount of {$1500.00} that I am wanting to remove from my credit card. I contacted them again and they said I can not reopen a dispute. Please help. Thank you,
Product: Credit reporting or other personal consumer reports

XXXX was supposed to remove hard inquiry off my credit and it is still showing on my credit.
Product: Debt collection

On XXXX I reported COLLECTION PROFESSIONALS for refusing my request to validate alleged debt after XXXX attempts. Case number for my complaint was XXXX. I provided documents which supported the veracity of my claim. 
Upon my complaint to the CFBP, the debt collection company ( COLLECTION PROFESSIONALS ) responded on XX/XX/ with a document which neither proved my legal obligation to them nor verified the debt but blatantly violated XXXX laws and infringed upon my rights. I have hereby attached the document this debt collector sent and demand they are held responsible for XXXX violation as I did not grant permission to my health provider to share details of my health information.
Product: Credit card

I had a Citicards account which I closed in XX/XX/XXXX, with a balance of {$10000.00}. Citicards has continued to add as much as $ XXXX monthly interest to this amount so that now the bill is {$19000.00}. I have called them to try to negotiate this amount but I can not get anyone to call me back as they have a dysfunctional customer service dept. They charged this off in XX/XX/XXXX without a contract, or sending statements required by The Truth and Lending Act. There is one month where they charged {$700.00} interest arbitrarily. I have disputed this on my credit reports but they will not remove this item as I believe Citicards is so difficult to work with. My credit card limit ws {$13000.00} so their interest exceeds the credit limit having a further impact financially.
Product: Credit reporting or other personal consumer reports

Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNRECOGNIZED INQUIRIES : XXXX XXXX XXXX XXXX, XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my address updated. I have asked Experian, XXXX, and XXXX to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with EQUIFAX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has EQUIFAX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 ( e ) ( b ) and the Fair Credit Reporting Act Transunion and XXXX after many attempts to dispute this reporting has refused to remove and delete the US Bankruptcy reporting on my credit report. I have already had it removed and deleted from the XXXX credit bureau, but Transunion and XXXX will not delete it after numerous disputes. I have attached my XXXX dispute to display as evidence that XXXX removed and deleted the Bankruptcy item so Transunion and XXXX should delete the item too. 

Dispute dates : TRANSUNION Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Debt collection

Receivables Management Partners , LLC ( " RMP '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ). RMP is attempting to collect on an alleged debt that was not authorized by the original agreement. ( see 15 USC 1692f ( 1 ) ) On XX/XX/2022 I filed a complaint on with the CFPB regarding an RMP collections account partial account # XXXX ( Account ) with a balance of {$490.00}. ( See ex. A ) The complaint was filed against XXXX as I wanted this off my credit report. 

XXXX responded to my complaint on XX/XX/2022. In the response they stated Regarding one disputed item, at your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. 

There is no way that RMP could have verified the alleged debt. I have no contract with RMP nor have they ever provided me with an agreement that explicitly gives them the authority to collect. So how could the information be verified? 

RMP has violated my right to privacy, the FDCPA and committed fraud. They are also participating in racketeering activity. These crimes and violations are serious offenses ; some which are punishable by up to {$500000.00} in fines and 20 years imprisonment.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Checking or savings account

XXXX XXXX is the co-owner of this account # XXXX along with my son, XXXX XXXX XXXX. This is a High School account that was created for him to learn about personal finance. XXXX XXXX is in an out of town High School and he rarely access his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted {$760.00} that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity. 
This is minor, and he had limited access to his account. He should not be penalized in this situation. Please assist to receive full refund.
Product: Student loan

I reached out with " I finished college in 1990, yet this shows a " start date '' 25 years later! I would like proof of the ORIGINAL loan amount/request/date from University of the XXXX XXXX Three decades for a loan that - as I recall- was under {$10000.00} is insane '' The response was only " Thank you for reaching out regarding your Account. 
I would be more than happy to assist.For more information on this subject please visit XXXX. We also recommend contacting the school in attendance. '' The response I received is completely inadequate. This company is attempting to collect a debt with they are either unwilling or unable to verify. 
I would like verification of that debt or remove that debt per 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as One Main XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.