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

Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it. 

Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen. 
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer. 

Later I contacted BoA and they said they'd send me a check to return my {$9000.00}. 
I never got it. 

Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle. 
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''. 

How is it even legal to hold my money this way for almost half a year?
Product: Student loan

MOHELA has NOT placed me on the income based repayment plan I requested months ago, despite me REuploading information. Now I'm receiving UNAFFORDABLE loan repayment bills. 

MOHELA also did NOT calculate my previous loan payments correctly for PSLF.
Product: Credit card

I am writing due to a misunderstanding regarding payment resulting in late fees and interest. The new balance of {$18.00} with a payment due date of XXXX/XXXX/16 was originally handled via ACH in a phone conversation with Citicards representative in XXXX. My wife and I always pay our bills in full and on-time, as attested to by our credit history and rating. 

The next statement ( payment due XXXX ), arriving less than two weeks after the original payment-due date, indicates a balance due of {$55.00} and the Citicard phone representative XXXX told me that it was actually {$74.00} due to additional late fees. 

I believe that an error in understanding, or otherwise, is behind the " missing '' payment of {$18.00} ( due XXXX ). 

I am asking that the late fees be removed this time. If so, we would continue as customers. 

On XXXX/XXXX/16 I paid {$36.00}, what I was told was the full amount due from XXXX identical monthly automatic transactions of {$18.00} each. This was to be payment-in-full for all monies owed to Citicard. Yet now ( XXXX/XXXX/16 ) Citicard tells me another automatic transaction of {$18.00} was charged on XXXX. However, again, I was told on XXXX that we only owed for XXXX transactions of {$18.00} each and my payment of {$36.00} that day covered all owed except for the interest charges. There should be no balance except the " interest charges ''. 

Additionally, the late fees appear to amount to well over 100 % on an annualized basis. Perhaps it is a calculation error but it does not seem reasonable or lawful. 

I sent, on XXXX, a XXXX letter to Citicard Customer service explaining all this and only received a general form letter reply that did not acknowledge any of the facts of this case. 

We always pay our credit card bills in full and on time. If Citibank is willing to calculate the interest charge on the original {$18.00} ( on the statement with payment due date of XXXX ) for one month, we would consider paying that to finally conclude this matter in a fair manner, especially when considering the considerable time I 've taken to resolve it and the rudeness of some Citicard representatives. 

Most recently, I spoke today with a Citicard supervisor, " XXXX '', ( employe id # XXXX ) who was rude and in need of retraining in communicating with customers.
Product: Credit reporting or other personal consumer reports

For approximately XXXX year I have repeatedly sought to remove an item from my credit report that is there in error. For over XXXX year XXXX XXXX XXXX XXXX  has continually reported information on my credit report that is incorrect. XXXX XXXX XXXX XXXX  has reported this incorrect information and continues to do so to all of the major credit reporting bureaus. The information that XXXX XXXX XXXX XXXX  is reporting is incorrect because the debt that they are reporting is not mine. I have never contracted in any capacity with XXXX XXXX XXXX XXXX. I did not open an account with XXXX XXXX XXXX Bank. I did not authorize any person or party to act on my behalf to open an account with XXXX XXXX XXXX XXXX. I will not and have not benefited in any way from this account that XXXX XXXX XXXX XXXX  is reporting. 
In trying to remove this account from my credit report I have reached out to all parties involved ( XXXX XXXX XXXX XXXX  and the major credit reporting bureaus ). I have filed numerous disputes with the major credit reporting bureaus indicating that this debt does not belong to me. Each dispute has resulted in the same outcome, where the debt is claimed to be verified. Throughout the past year I have made XXXX separate written requests to XXXX XXXX XXXX XXXX  demanding that they validate, verify, and provide all corresponding paperwork with regards to this debt. I HAVE NEVER RECEIVED A RESPONSE TO ANY OF MY WRITTEN DEMANDS. I have contacted XXXX XXXX XXXX XXXX  numerous times via telephone and I have been told each time that such requests must be made in writing. 
When disputing this debt with the major credit reporting bureaus I have included the aforementioned information. The major credit reporting bureaus are aware that I have made said demands on XXXX XXXX XXXX XXXX  and that they have not responded to said requests. Despite this obvious non compliance with various governing laws and regulations all the major credit reporting bureau have continued to report this incorrect information on my credit report. It appears that said major credit reporting bureaus are satisfied with the information that XXXX XXXX XXXX XXXX  is submitting in response to my initiated disputes. All the major credit reporting bureaus have denied my requests to examine the documents that XXXX XXXX XXXX XXXX  submits in response to my dispute initiation.
Product: Checking or savings account

My checking account with Bank of America was closed today on XX/XX/year>. I can confirm that my direct deposit for the amount of {$470.00} did post this morning. However, sometime after that direct deposit posted my account was closed. When I try to log into my account it says the account has been closed. I went down to a branch and called the customer service number on the back of my debit card. I was informed that my account was in the process of being closed and I could not withdraw any of my funds. I informed Bank of America that legally they can not hold my funds. They informed me they would be sending a check but did not disclose how long that would take. The whole thing is quite shady. There was no explanation as to why my account was closed. I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED TRANS UNION ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST TRANS UNION, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15552 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting

an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

According to a CFPB brochure, effective XX/XX/2022, XXXX, XXXX and XXXX will no longer include medical collection debt under at least {$500.00} on credit reports. 
I have made a payment, and it's still showing an incorrect balance ; it's still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims i owe {$90.00} which i do not. I have disputed via XXXX XXXX cbr 's disputes 3 times and it still remains on my credit. every time i have disputed the item it seems to go to a new " collection company as a new debt? and one of which i do not owe! '' what this indicates to me is rather than providing proof and or any information as to why this debt is owed, or taken off my credit it goes to a new " vendor ''. First it was XXXX, then went to XXXX XXXX company now it is showing under southwest credit systems. I have said i would even pay the debt that i do not know to get it off of my credit however apparently that is not an option. i have been sent no verification of when this supposed debt occurred, why they state I owe it etc. 
I have attempted to resolve this issue however it will not go away and just keeps coming up under different collection companies as a new debt.
Product: Debt collection

1. On XX/XX/XXXX, I received the attached letter from debt collector, 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 denying the principal balance of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America 's XXXX XXXX Resolution Specialist , Regulatory Complaints was a payoff balance. She failed to provide a payoff amount although her clients have been provided two signed authorizations from the borrower, XXXX XXXX in XXXX and XXXX. 
2. Bank of America 's XXXX XXXX Resolution Specialist, Regulatory Complaints that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. Now according to their attorney, XXXX XXXX XXXX, it in fact never did. 
2. Neither her firm, in her letter of XX/XX/XXXX, nor the other collection firm employed by Bank of AmericaXXXX 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 provided a payoff letter. In fact, in response to my request for a payoff letter to XXXX XXXX XXXX XXXX XXXX, I was sent the foreclosure judgment amount and the borrower was sent a much different amount, which he provided me a copy of. So still no payoff, and XXXX different amounts from XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection firm is attempting to collect, while one firm, XXXX XXXX XXXX XXXX responded with no payoff amount, stating that the principal of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America XXXX XXXX XXXX  Resolution Specialist, Regulatory Complaints was not a payoff balance, but did not include one. All in violation of federal and state statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Not my account. Dont owe. Delete from my credit. No contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I have been trying to get this fixed for months now I Called BBVA XXXX regarding fixing this matter that I have regarding they reporting 2 late payments on my credit report that they did in error the first one was XX/XX/2021 and the second one is XX/XX/2021 i have never been 30 days on this account. What happen is someone used my account and bbva closed that ACCOUNT and opened a new one for me but they kept trying to pull from the old account and they call me and tell me im past due when the money has been in the new account the whole time. They do not talk to their other departments so i took matters into my own hands i filed a complaint with XXXX XXXX XXXX and i got a call from XXXX XXXX OPERATIONS ANALYST XXXX I finally got to speak to her today XX/XX/2021 and i told her what the issue is and what needs to be done she tried to hit me with the fair credit reporting act laws regarding a late 30 day payment that they caused and are admitting to but saying that i can file a dispute with the bureau and i told her the bureau is going to tell me you guys have to fix the issue not them. she then told me she will put in the request regarding the late 30 days but its not promise that they will fix the issue they caused.
Product: Student loan

The student loan company Navient refuses to work with me concerning my private student loans. After going back to school to get a credited degree, and having these loans deferred the loan has grown to a very large amount due to outrageously high-interest rates. Their only program available allows interest-only payments of {$2500.00} a month which I am unable to afford. When calling to discuss my repayment options, I was told several times they were unable to discuss any options with me because the loan was current. I was also told they would call me at the beginning of the month to assist in finding the lowest options because repayment plans change every month. Instead, no one called and when I did call at the beginning of the month I was told any repayment options applied today wouldn't apply until next month. Their practice and tackets are predatory, they are dishonest, unhelpful, and take advantage of the borrower.
Product: Checking or savings account

I want to complain to US Bank. This year, I applied for XXXX CD deposits in this bank as a foreigner, but every month I have to pay 25 % federal tax. In XXXX, I received a letter from US Bank, informing me to fill out the XXXX form so that the 25 % federal tax can be exempted. The first time I went to the US Bank near my home, the banker told me not to care. Later, I read the letter carefully, and the bank clearly told me that as long as I filled out the XXXX form, I could be exempted from federal tax. So I went to this bank for the second time and filled out the form, but I found that I was deducted from federal tax again. After that, I called the bank, and because of the banker 's work error, I had to go to this bank for the third time! I clearly stated on the phone that I wanted to complain to this banker and US Bank. He discriminated against me because I was a foreigner, thought I couldn't do anything with him, didn't take my problem seriously, and was very unfamiliar with banking business! I asked the bank to refund the interest tax charged to me and compensate me for the loss I suffered each time I took leave to go to the bank, a total of {$930.00}
Product: Checking or savings account

Dear Chase Customer Service, I hope this message finds you well. I am writing to address an issue regarding a charge to my account on XX/XX/year>, for the amount of {$120.00}. 

On that day, I was on the phone with XXXX XXXXXXXX when the call dropped, and I noticed my card was charged. I immediately contacted Chase, and a claim was submitted. However, I recently discovered that the claim has been reversed, resulting in my account showing a negative balance. 

Today, XX/XX/year>, I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, who informed me that my account is not active and advised me to reach out to Chase for assistance.

I have attached a picture of my account for your reference. I want to emphasize that I never signed any documentation in person on XX/XX/year>, regarding this charge. 

I kindly request your immediate attention to resolve this issue. Thank you for your prompt assistance. 

Best regards, XXXX
Product: Credit reporting

If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, 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 and XXXX XXXX XXXX were deleted from your XXXX credit report .