23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 I requested a payoff quote for my HELOC. I received a quote of {$950.00} along with wire transfer instructions to payoff and close the account. On XX/XX/2019 I executed the wire transfer per Specialized Loan Servicing direction through my local bank. The payment was withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX I became concerned because my HELOC had not been credited or closed. I called SLS and was instructed to have my bank fax proof transfer to SLS. My bank did and I as well sent an email copy to SLS with proof of transfer.On XXXX my HELOC still did not reflect the payment so I called and spoke to SLS customer service supervisor XXXX who indicated to me that he had the Fax from the bank and the email from me proving the transfer and he would expedite the payment with the Cash Office and should be resolved no later than XX/XX/XXXX. XXXX gave me his direct number XXXX. XXXX the payment still had not been applied so I called XXXX 's direct number, received no answer and left a voice message. XX/XX/XXXX called XXXX again and left a message again, payment still not applied. I left an email via SLS website contact information on their website on XX/XX/XXXX also. XX/XX/XXXX I received an electronic response from SLS saying they researched the wire transfer but could not locate it so they are closing the payment search request and will not be crediting my account. XX/XX/XXXX I spent an hour on the phone with multiple levels of supervisors just to get the run around, XXXX at one point told me I should hire an attorney. At this point the money was removed from my account XX/XX/XXXX, my bank has proved proof of accurate transfer, I have provided proof of accurate transfer, XXXX and XXXX as well as several other customer service agents have verified that they have seen proof of accurate wire transfer for the payoff amount but my account still has not been credited and closed, in fact they are sending me over due notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not remove an education loan from my account that is being impropertly reported. I have filed several disputes on this, but they will not correct it. They are reporting that the loan was originated in XXXX, but the most recent student loan I took out was I believe in XXXX, and defaulted in XXXX. It would be 9 years in default, and past the allowed time to report it. I have disputed on all of these errors, but TransUnion seems to be taking the debtors word for it instead of demanding evidence of the loan 's accuracy. 

The current account information is : XXXX XXXX Current Balances of {$150.00} and {$90.00}
Product: Credit card

I recently paid a balance in full on XX/XX/2024, with Capital One, and on XX/XX/2024, a {$44.00} fee was placed on the account. I called in to inquire why the fee was there and how it was calculated. No one could initially tell me. I called again and was later told daily interest. As a long-standing customer, I asked to have the fee removed and was told I could not have it removed. When I inquired why I was told factors were in place but I was not allowed to know what those factors were. It had nothing to do with me never having a fee waived before or my loyalty as a customer, just the fact I was not allowed to know why.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act Police XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

My XXXX AMEX credit card charged me for late fee of {$27.00} and interest charge of {$21.00} stating that my electronic bank payment of {$1200.00} posted on XX/XX/XXXX on my AMEX credit card account when it was due on XX/XX/XXXX.  However, per Proof of Payment document from XXXX XXXX, my electronic payment was sent on XX/XX/XXXX. <P/>When I call to inquire about the changes, I was informed by an AMEX rep in the XXXX that a 3rd party vendor of the bank did n't process the electronic transfer in time before the due date, and that it was the fault of my Bank. I explained that did not make any sense because I had requested the electronic transfer be delivered by XX/XX/XXXX. <P/>Later, I called XXXX XXXX regarding the issue and per the Proof of Payment document, the payment was indeed sent to AMEX electronically on XX/XX/XXXX to AmEx. However, it was AMEX who did not process it until XX/XX/XXXX. <P/>Here 's another scam by a credit card company to defraud customers by charging erroneous late fees and interest fees. In this case, I have paper trail to verify exactly when payment was effectively sent electronically. <P/>Customers beware!
Product: Student loan

I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.
Product: Checking or savings account

I OPENED A CHECKING ACCOUNT WITH THE XXXX XXXX XXXXXXXX IN XXXX. IT WAS THEN PURCHASED BY XXXX XXXX XXXX  AND THEN BECAME XXXX XXXX. I HAVE NOT LIVED IN XXXX FOR THE LAST XXXX  YEARS ON XX/XX/XXXX. I CONTACTED THE BANK AND TOLD HIM I'D LIKE TO CLOSE THE ACCOUNT AND DRAFTED A CHECK TO MYSELF FOR {$5700.00} AND WAS TOLD TO CONTACT THE BANK AFTER IT CLEARED TO CLOSE THE ACCOUNT. I FOLLOW THOSE INSTRUCTIONS. THE FUNDS WERE THEN DEPOSITED INTO MY XXXX XXXX XXXXXXXX ACCOUNT. AFTER I HAND WROTE A CHECK WITH THE BANK OF XXXX CHECK THAT I RETAIN FROM YEARS AGO BRINGING MY ACCOUNT BALANCE TO XXXX I NOTIFIED THE BANK TO CLOSE THE ACCOUNT. HOWEVER WHEN I GOT BACK FROM VACATION, I FOUND THAT I WAS PUT INTO COLLECTION FOR XXXX {$25.00} BANK FEES FOR AN ACCOUNT WITH A XXXX BALANCE BECAUSE THE BANK HAD NEVER PROPERLY CLOSE THE ACCOUNT. I'VE REACHED OUT TO CUSTOMER SERVICE AND BEEN ON THE PHONE FOR OVER XXXX HOURS. They told me to call collections collections said I don't have a long there's nothing they can do to help me. Customer service said they couldn't do anything to help me. I called the fraud department for M & Tbanking and they said they couldn't help me. This situation is completely unacceptable and M & Tbanking has no divisions within their company to resolve the problem. They told me to go into a local branch, but as I said, I live in XXXX  and there is no local branch here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.
Product: Credit card or prepaid card

Someone tried to open at least one credit card in my name. XXXX XXXX called me to verify and I was able to stop it. However, I have had serveral reports on my credit report of attempt to open credit cards that I did not initiate. One with barclays Bank, and XXXX XXXX. Fortunately nothing has happened that I am aware of yet. I reported it to XXXX ID theft. They told me to report it here.
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. 
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 XXXXXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 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. 1681 s-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: Credit card

Received a call today on XX/XX/year> that stated I had failed to make my Victorias Secret comenity bank credit card payment. I never received a paper statement which is my preferred method of communication due to the amount of bills received each month. The institution is now discriminating by charging {$3.00} for a paper statement so I was opted into paperless. The digital statement I believe went to spam because I dont recall seeing it either. When I called about the {$25.00} late charge on a {$25.00} purchase that was made the first week of XXXX, I was told that they can charge that amount and it can be up to {$41.00}. When I requested the fee be waived the associate said she can only waive {$15.00} and not the full {$25.00}. I asked to be escalated to a manager who also said she could only waive {$15.00}. This company is violating the CFPB rule on late fees by charging excessive late charges.
Product: Credit card

Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.
Product: Debt collection

Debt Recovery put a debt on my credit without written notification to me a few weeks ago. i contacted you guys and demand proof of debt from them which they mailed to me and I received today. Firstly, their proof of debt is in the form of a statement from the Physicians. They have not provided me anything with a signature. Any proof that I was at this place they claim I owe. Secondly, the statement they sent to me states {$0.00} balance. Thirdly, the address on the statement does not match my address or anywhere I lived. I will be looking for an attorney to represent m against Debt Recovery Solutions and I will contact MD Attorney General 's office. Cause if this was the case, I can print out 100 statements to 100 people and claim they owe me money as well. Bad enough the amount owed says {$0.00}. I will attach a copy for your perusal.Then I called Debt Recovery and the rep had the nerve to ask e for my SSN and when I declined sh said she can not speak on account. Why would i be XXXX enough to give apparent dubious characters my social security number?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have

a Sears Credit card. The interest rate is 25.24 % ( D ) ( V ) the card is backed by CITI Bank. This card 's interest rate is exceedingly high and takes advantage of minorities with poor credit. I called to see if I could have my interest rate lowered. I was told there wasn't anything they could do to help me. My XXXX has been shut down by the government. I see that this shut down will effect my income for at least another year. I believe CITI / Sears is taking advantage of low income people who are being crushed by the loss of their jobs. I believe my interest should be lowered to 15 % at the very most. Sears is g
etting cheaper money from the FED and taking unfair advantage of its ' customers.
Product: Checking or savings account

I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( XXXX, Equifax - XX/XX/2021, and XXXX XXXX XXXXXX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below as well.
Product: Debt collection

I am writing to express my concern regarding a recent issue involving the unauthorized release of my personal information. It appears that my data was compromised from a database without my consent, and I am now being contacted by a third-party debt collection agency regarding a debt I have never signed or agreed to. 

I have not authorized the sharing of my personal information with any third party, and I find the continued communication, including phone calls and letters, to be a form of harassment. I kindly request that this matter be investigated and that any further contact from this debt collection agency be immediately ceased. 

I would appreciate your prompt attention to this issue and a resolution to ensure my information is secure and not misused in the future. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I changed banks, updated my account information online with Ally, they continued to pull from wrong account even after multiple calls to correct. They then instructed me that i would have to make six months payments through moneygram because of their mistakes. Ist payment went through fine. 2nd did not go through even though the money has been verified as received by Ally. This has been going on for three weeks. When i asked to speak with a manager i am told they cant transfer m e, they will call me in three days, they will call me today or they just cant do that at all. Help! This is impacting my credit as well. They keep continuing to try to collect a debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent Transunion, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX/XXXX-XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late mark on my credit report from XXXX XXXX XXXX. I have never been late and I am requesting that you remove the late marks off of my credit report immediately. I have tried to reconcile with Equifax. They have customer service agents that can not understand English and will not remove inaccuracies from my credit file. I have followed the appropriate steps. The CFPB should audit my disputes and credit file to see the measures been taken and the fact that Equifax will not assist me. This is hindering me from getting housing and other banking products. I feel it is discrimination because of my XXXX  and XXXX that I explained to them I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON XXXXNE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN CALIFORNIA. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX XXXX RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING 3 CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE XXXX CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR XXXX XXXX XXXX XXXX XXXX.