23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.
Product: Credit card or prepaid card

Im writing regarding my missing 0 % intro apr. On the webpage of the application for the USbank cash plus card, it has the 0 % intro apr on purchases and balance transfer for the first 15 billing periods. I applied and got approved for the card this year XXXX. However, after I was charged interest and a phone call with a card member agent, I was informed that the 0 % intro apr is not applied to my account. 
0 % intro apr for 15 billing periods was part of the reason I applied for the XXXX XXXX card. The 0 % intro apr is still on the webpage.
Product: Checking or savings account

I have both Savings and Certificate of Deposit products at Ally. I was unable to obtain the Truth in Savings disclosure and my Account Agreement through Ally 's website. The disclosure information for the deposit products specifically was what I wanted to obtain but I also did not see disclosures readily available for lending products either. 

I did reach out to Ally via chat and also placed a call to request their TISA disclosures. When I contacted via phone, the representative placed me on hold and when she retuned she advised that they did not have any disclosures. I advised that I was certain that they have some kind of disclosure for deposit products and described the type of content that would be in a TISA disclosure. I was placed on a hold again, when she returned again, the representative advised I should look at my welcome packet. I asked if she would be able to provide a copy and was placed on a hold again. After a while the representative was able to email me a copy but on the phone she told me it would take up to 5 business days to receive an email. I am not sure if that was a scripted responses but I think it is unreasonable to say it could take 5 business days to receive a copy of the requested disclosure when its being emailed. As of the time I am writing this response, I have not yet received the disclosure ( written day of request ). 

My concern is that the disclosures required under TISA are not readily available for consumer like myself. Because Ally is a digital only FI, I can not go into a branch to obtain disclosures, I believe this information should be readily available on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two major credit cards, XXXX XXXX and XXXX XXXX, in excellent standings and Experian credit reporting is not reporting the credit on my report. I contacted one of the companies and they stated in a complaint resolution that they report to all three credit reporting companies I filed a complaint with Experian, and they sent me an email stating that they had a resolution, after trying multipal times I was not allowed to sign in to check the status of the resolution. I was sent four password changes and none of them worked, this is keeping my credit score far below what it should be, they are stating that I have no credit at all.

This company is also reporting a tax lien on my report that has been disputed and resolved in my favor which is doing major damage as well. 
my hands are tied and I can not move forward with projects and business ventures please help.
Product: Debt collection

I purchased a American XXXX from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called XXXX to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, MrsBpo llc for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.
Product: Checking or savings account

I had two different bank accounts ( both under my name and are owned by me ) that are linked to the Marcus by Goldman Sachs account ( hereby referred to as Marcus account ). I have different amounts of money transferred to the Marcus account overtime. 

I made a withdrawal of all of my money on XX/XX/year> to XXXX of my checking accounts ( without being aware that I could not withdraw money to any account for 90 days ). Goldman Sachs representative called me informing me that this transaction will be reversed as I could not with draw all the money since they originated from different accounts. They also informed me to withdraw a certain amount which originated from one account, and another amount which originated from account # 2. 

I tried this once the transfer was reversed and was unable to do so. 
On XX/XX/year> I called Marcus and they informed me that a temporary hold was placed on my account and is being investigated ( I was not aware of this nor did I received ANY information about this hold in writing or electronic communication ). I inquired why but they did not disclose information. 

On XX/XX/year>, I called Marcus again asking why is there still a hold on my account they informed me that once the transaction was reversed I should have been able to withdraw money to their respective originating accounts, they do not know why their system is not allowing me to do this and have opened a case within their systems for it to be reviewed and informed me I will be contacted in several days On XX/XX/year>, I contacted Marcus again and they informed me that the case is still under the review queue and do not have a way to resolve this issue. I will be closing on a house purchase with funds from my savings account and this delay and the fact that Marcus does not communicate is both frustrating and unprofessional on their part.
Product: Prepaid card

Resided in XXXX, XXXX  from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX, XXXX  from XX/XX/XXXX through present. Maintenance fees during this time on prepaid cards are illegal per state and local law. 

Fees charged total {$48.00} and were taken at {$3.00} per month starting in XX/XX/XXXX through XX/XX/XXXX. 

Fees are unauthorized and fraudulent.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

Purchased 2 XXXX XXXX. Turned in vehicles no response for a few months. Then I get a bill, but it does not explain what are the charges for. So i contacted Hyundai and asked for a detail breakdown on charges. Told me to look at my contract. 1 bill says {$800.00} the other {$1500.00}. Then i never heard from them again until I started getting calls from debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open 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. Here are the list of items that needs attention to be delete in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Since XXXX of XXXX, I made many requests for an escrow analysis, I received one around XX/XX/. In North Carolina, we are to get them in XXXX. After reviewing this analysis ( attached ) there is not a clear explanation for the {$39.00} dollar increase in the mortgage payment, when the escrow is requesting a payment of {$63.00}. This amount broken into 12 payments is {$5.00}. On the payment slip, it states this is not a bill.

I would like to make the additional payment to keep my monthly payment at {$660.00} and there appears to be a discrepancy in what I am supposed to pay for escrow balance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit Ri Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

My XXXX XXXX XXXX was through XXXX XXXX 
XXXX XXXX announced Barclays was taking over their accounts. 
I made a payment XX/XX/22 of {$5400.00} online via my bank to XXXX XXXX- this happened to be the same time Barclays was taking over the accounts. 
The payment is shown on my Barclays account. 
However, the next item on my account is a weird % symbol - and it shows the payment being reversed. 
Barclays claims they refunded the money. They did not. 
I have called Barclays 3 times and submitted fraudulent reports online - as this is {$5400.00} they claim to have refunded but has now disappeared. 
I had Barclays on the phone with my bank at the same time and my bank confirmed the money was not refunded.

Barclays has advised 2 times they were issuing a " case, '' upon my third call where they finally allowed me to speak with a supervisor- they said a case was not issued on the first two occasions but now they are going to issue a " case '' again. It will now take 30 days more to hear from the " case '' if it was even issued this time around. 
In the meantime, they have sent me a statement charging me the interest on the full balance- which should be {$5400.00} less as they have my {$5400.00} but refuse to credit my account for it.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX Phone number : XXXX Im here to explain a condition with my auto loan from chase bank. I went thru XXXX XXXX to purchase a vehicle. I have the contract from chase bank which I agree on a price. But I never talk to chase bank to agree on any information no interest or any amounts. The company XXXX XXXX set up all the paperwork. They also found the loan company in chase bank. They ran my credit 7 times unauthorized which dropped my credit score so refinancing is a problem. The company acted despite on selling the vehicle to run my credit that many times without comfirming. Now Im stuck with a XXXX dollar loan when the vehicle was never worth that much in the first place it was a used vehicle. A XXXX dollar car note. I never received a contract from chase bank to see where I signed to pay XXXX for a vehicle. I remember what total price owe after down payment and the monthly payment I agree on. Some how XXXX went through some info with the loan that wasnt explained to me. Only between them and chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING.

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my attempt to correct inaccuracies reported by ; Eperian, XXXX, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by Experian, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {$430.00} and reported by various collection agencies - once by XXXX XXXX, and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XX/XX/2019 - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court.

The date of my first attempt to correct matters was made by certified mail dated XX/XX/19, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations.

In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Debt collection

The item has been disputed and closed since dispute but has not been removed. Reporting on all XXXX CB reports.
Product: Student loan

When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I received several alerts with my credit monitoring saying that I applied for credit online. 

I never filled out any applications, so either it's a mistake or my identity has been compromised. 

I am waiting until the end of the year to apply for credit cards and don't want this many inquiries on my report especially when I did not authorize them. 

They need remove XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX WAS TRANSFERRED ON XXXX XXXX 2022. TO XXXX XXXX XXXX XXXX. THE CORRESPONDENCE ADDRESS IS PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. THE PHONE NUMBER IS XXXX. 
IN MY CREDIT REPORT IT SHOWS I HAVE A BALANCE OF XXXX  I DISPUTE THIS. MY BALANCE IS XXXX XXXX. WHEN XXXX WAS TRANSFERRED TO THE PXXXX XXXX XXXX XXXX MY BALANCE WAS XXXX. SOMEONE SHOULD HAVE UPDATED THE TRANSFER AND BALANCE IN XXXX AS OF NOW, MY BALANCE IS XXXXXXXX XXXX. THERE IS NO REASON XXXX TRANSFERRED ACCOUNT SHOULD SHOW A XXXX  BALANCE IN MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX SHOULD UPDATE THIS INFORMATION IN MY CREDIT REPORT.
Product: Mortgage

EnFin is the loan provider for our solar panels. EnFin offered a .25 % deduction if we signed up for autopay before the loans first payment. We signed up for autopay and the amount to pay was posted on the invoice which included the .25 % deduction. EnFins system does not appear to recognize this deduction and therefore still charged us for the amount that was supposed to be a discount. EnFin then added a late fee when this amount was not paid. EnFin called numerous times and left harassing debt collection messages. When I spoke to a representative and explained that this late amount was not late because it was part of a .25 % deduction, the representative acknowledged that it was EnFins error and it would take 10 businesses days to fix. EnFin still called twice after that to collect! After a second call with EnFin, the representative noted that they changed their system and so the note to update this error was never received. To date, almost a month later there are still fees charged and EnFin has not fixed this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update 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 removed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX {$4100.00}XX/XX/XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXXXX/XX/XXXX {$3500.00} XX/XX/XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$850.00} XXXX XX/XX/XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate entry on my credit report with XXXX regarding a debt reported by LVNV Funding ( original creditor : XXXX XXXX XXXX  ). The dispute was initiated because LVNV Funding failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I had sent multiple requests directly to the collector asking for validation of the debt. However, they only sent a bill on XX/XX/year>, which does not constitute valid debt validation. Additionally, I did not receive a validation notice before the account was reported to my credit file, which is a violation of FDCPA requirements. 

XXXX investigation concluded on XX/XX/year>, but it did not resolve the issue. XXXX accepted the collector 's claims without ensuring the debt was properly validated. The debt remains on my credit report, despite its unverified status, causing ongoing harm to my creditworthiness. 

I believe XXXX investigation failed to address my dispute adequately, as the account remains inaccurate and unverified. I am requesting that the inaccurate account be removed from my credit report until the debt is validated according to the law.
Product: Student loan

I have been making payments of {$200.00} per month since XXXX, XXXX to date. Prior to XX/XX/XXXX, I was paying {$98.00} per month from about XX/XX/XXXX. All this payments were made thru auto Debit from my checking account. Approximately XXXX weeks ago I started to check my account statements and found out that only {$120.00} from the {$200.00} actually paying towards my loan. The rest of {$91.00} is unaccounted for. I spoke to XXXX supervisor at Nelnet name XXXX on XX/XX/XXXX, and he has no answer to where the missing money went. 

Please help me get answers.