23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX they went to pull their payment out it failed cause I didnt have enough funds in my account and payment was rejected. On XX/XX/XXXX Prosper said they tried to pull the funds again and that pull failed but my Bank XXXX XXXX XXXX XXXX has no record of the payment coming in. On XX/XX/XXXX I made a manual payment and it went through but has not been applied to my account see details below. I contacted prosper the phone rep gave me the run around and said I needed to bring the account current and then went on to say that they did not have payment I tried to explain that payment was sent on XX/XX/XXXX and the XXXX did not return it. I then asked for a detailed statement of all payments made they could not send one out. On XX/XX/XXXX I plan to bring the account current but the fee they are charging me on XX/XX/XXXX should not be applied and that payment I have sent them on XX/XX/XXXX needs to be found and applied to my account ASAP. No one with prosper this far has been able to tell me where the funds went. The XX/XX/XXXX payment was made directly to Prosper using their AP where did the funds go. Prosper Transaction information : Date Amount Principal Interest Status XX/XX/XXXX ( {$420.00} ) - ( {$6.00} ) Failed XX/XX/XXXX {$420.00} {$420.00} {$6.00} Success XX/XX/XXXX ( {$420.00} ) - ( {$69.00} ) Failed XX/XX/XXXX  {$420.00} {$350.00} {$69.00} Success XXXX XXXX Transaction information : XX/XX/XXXX RETURN CHECK NSF CK NBR : XXXX RTN CK AMT : {$420.00} {$30.00} ( {$30.00} ) - payment returned and should have been XX/XX/XXXX  PROSPER MARKETPL LOAN PMT {$420.00} {$440.00} - payment made and not returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my Credit File after 4 business days from the date of receipt. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

Today Discover Card made a Business Call to close my account for reporting the fraudulent transactions. I am grateful for CFPB its time that Credit Cards/Banks are accountable to the American people and Congress really needs to change the law on Credit Card Companies closing accounts for frivolous retaliation reasons. Discover advertising zero percent fraudulent transactions liability is a lie and a joke. I want my case documented that during COVID 19 this is what you get. Its truly the best time to get new credit card laws in legislation. I bet if Discover needed a bailout from the taxpayers the government would not close Discover Financial.
Product: Mortgage

On XX/XX/XXXX I contacted my Mortgage company ( XXXX ) to move my monthly payment from XX/XX/XXXX to the XX/XX/XXXX. I was told that would not be a problem but they failed to receive the payment and placed my account on default. I contacted them in XXXX and yet again they did not take my payment. In the following week I received a letter that my account was going to be in default again. I contacted them after realizing my credit score went down XXXX points. When I spoke to them they I made arrangements to repay the amount. Toward the end of XXXX I called to make sure my XXXX tax form was in the mail. As time passed on XX/XX/XXXX I still haven't received my tax form so I contacted them again and a representative of the company said my form was mailed out. I waited for another week and my form has not arrived. So on XX/XX/XXXX I called and wanted my forms to be mailed they said I could just do my taxes they told me the amount and I refused and said I need my forms that I would like for it to be overnight and this time the manager said that's not going to happen. Now it's XX/XX/XXXX and my tax forms still haven't arrived. At this point I have no idea what my options are. Your help would greatly be appreciated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX  Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

There is an automobile account that was opened due to identity theft. The account is being reported by XXXX only and no other credit bureau is reporting this account. The account is with Mercedes Benz ( XXXX ) for the amount of {$6000.00}. I filed a police report for this item and I am not responsible for it.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : NQUIRIES 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is releasing unauthorized information. They are selling info that was removed from files, reporting DELINQUINCIES and credit slanderous terminology- as are other bureaus- on disputed, removed, or paid accounts. Even accounts that were closed illegally by companies ( who refuse to comply w fin regs ) are reported as delinquent. THIS IS UNLAWFUL DEFAMATION. 

statements such as public record, serious delinquincy, time unknown ( it is known-by bureaus ), num of accts w delinquincies are wholly slanderous in nature- and are abused by those offering credit to deny credit when it should be approved.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX Subject : XXXX  Request for Removal of Late Payment I am writing to you regarding my auto loan account number XXXX, I want to express my sincere gratitude for the services I have received from ALLY FINANCIAL and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Navient seems to have increased the amount I owe on a loan by {$2700.00} after the 3 month COVID deferment.. I was paying {$320.00} per month for over a decade which was the agreed amount for the life of the loan. I am being charged {$340.00} per month for what seems the life of the loan. There was 3 month 's deferment during Covid where I did not pay a total of {$960.00} ( XXXX x 3 ). By paying {$340.00} per month it increases the overall amount of the loan by {$2700.00}. How can this be? 

Did they increase my interest rate with during those 3 months of Covid? If so the banks raked in tons of extra money by giving a deferment to tens of thousands of people? If that is the case it is atrocious and borderline criminal. 

I sent them the following on XX/XX/XXXX through my borrower portal, but have not received an answer ... ... .. 

I need some clarity on how my monthly loan payment went from {$320.00} for the life of my loan until the year XXXX to now {$340.00} per month for the same time period. 
Three loan payments were missed which is a total {$960.00}. 
That is an additional XXXX for the life of the loan. ( ( {$3700.00} - {$960.00} ).

Why am I now paying. {$2700.00} for the life of these two loans? That is the way it certainly looks to me when I look at my data beforeXX/XX/XXXX and the data that is presented now.

I am looking for a response that clearly breaks down the payments I owed before XX/XX/XXXXand compare that to what you show now. I see a large discrepancy that I can not explain.
Product: Mortgage

I had a settlement accepted by my mortgage company in XXXX and have gone through bankruptcy filed in XXXX completed XXXX XXXX Payments in XXXX. I have refinanced my same property in XXXX. I have had letters stating that the original HELOC loan has been closed as of XX/XX/XXXX. 
And yet, I received a letter XX/XX/XXXX from Specialized Loan servicing stating that I am delinquent on my same property. I called and was told by phone that SLS has placed a lien on my same property. I have not received any communication about this until the letter dated XX/XX/XXXX. I should not have a lien placed on my property per my records.
Product: Debt collection

On XX/XX/XXXX, I reported the {$82.00} XXXX XXXX charged to my XXXX XXXX XXXXredit card ending in XXXX on XX/XX/XXXX as a goods not received dispute ( see XXXX XXXX  goods not received dispute ). 

The {$82.00} charge was for a XXXX  overnight delivery of an envelope containing time sensitive documents. I paid XXXX  {$82.00} on XX/XX/XXXX for the envelope to be delivered via overnight/next day mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX see XXXX purchase receipt confirming intended address ). 

Instead, on XX/XX/XXXX XXXX  delivered the envelope to XXXX XXXX XXXX in XXXX XXXX, Texas ( see XXXX tracking history confirming envelope went to wrong address ). Therefore, I requested that XXXX XXXX  issue me a credit for {$82.00}. 
On XX/XX/XXXX, XXXX XXXX sent me a letter acknowledging receipt of my dispute and issued me a provisional credit for {$82.00} ( see XXXX XXXX letter dated XX/XX/XXXX ). 

However, on XX/XX/XXXX, XXXX XXXX sent me another letter saying that my provisional credit of {$82.00} was reversed because the merchant provided documents showing that I received the services as rendered ( see XXXX XXXX letter dated XX/XX/XXXX and documents provided by merchant ). 

I pointed out to XXXX XXXX that no where in the documents provided by the merchant does it show that the merchant sent the envelope to the correct address in XXXX, XXXX Texas and I asked for reconsideration. However XXXX XXXX agreed with XXXX anyway and let XXXX keep the {$82.00} even though XXXX never provided the service that I paid them for. On XX/XX/XXXX and XX/XX/XXXX XXXX sent me collection notices claiming that I owe them {$82.00} for the {$82.00} XXXX XXXX charged to my XXXX XXXX  credit card ending in XXXX on XX/XX/XXXX ( see XXXX  collection notices ). 

The problem is that not only does XXXX  really owe me {$82.00} for the service they never actually provided me but they are attempting to collect a balance from me that I already paid them for on XX/XX/XXXX ( see XXXX purchase receipt dated XX/XX/XXXX ). XXXX has provided no other explanation for the {$82.00} that they claim I owe them and they even went as far to send this fraudulent and malicious debt collection attempt to a collection agency ( see Transworld debt collection agency notice dated XX/XX/XXXX ). 

Transworld debt collection agency 's attempt to collect a fraudulent debt on behalf of XXXX for the {$82.00} because XXXX does not like the fact that I attempted to dispute the charge through XXXX XXXX XXXX due to not having been properly provided with the delivery service that I paid them for is fraud and in violation of the Fair Debt Collection Practices Act. 

XXXX XXXX  letter dated XX/XX/XXXX makes it clear that they decided in favor of XXXX  by reversing the provisional credit of {$82.00} that they previously issued me ( see XXXX XXXX letter dated XX/XX/XXXX ). Therefore, XXXX  has been paid for the service that they did not actually provide me. 

I respectfully request that XXXX debt collection agency 's stops all debt collection attempts in connection with this XXXX 's fraudulent debt immediately
Product: Mortgage

PNC Bank added XXXX to our principle owed after they bought out Compass Bank on XXXX XXXX, 2021.
Product: Prepaid card

I 'm complaining about this rush card service after being a customer for years. The last month has been simply amazing. I took my children out for family dinner night..we decided to go to bbq XXXX for dinner. We 're laughing, eating, talking having a great time out the weather is a nice night considering it was XXXX. The waitress came to our table and asked would there be anything else we would like. My kids and. I were quite full. So we asked for you the bill. It was {$120.00} I gave her my rush card a moment later she said it was declined. Could n't be I asked her to please try it again. My kids looking at me. I 'm feeling a little concerned my self now. As she came back to our table again she said I 'm sorry XXXX . It 's declined. Now of all times this restaurant is crowded. What in the world I 'm going to do. I have no money on me my rush card is all I have. Finally I had to leave my kids at the table and go talk to the manager. Feeling embarrassed and nervous I had to tell the manager there seems to be a problem with my rush card. The manager told me he was going to have to call the cops and that we would be going to jail. What I try to explain .tried to call rush no one was available to help me. I was on hold for XXXX HOUR JUST TO HEAR THEY WERE HAVING DIFFICULTIES WITH THE CARDS AND THEY WORKING ON IT. TO AVOID GETTING THE COPS INVOLVED I HAD TO GIVE UP MY CELLPHONE IN ORDER FOR US TO LEAVE and come back to pick it up when I got the money. Feeling embarrassed with everyone looking and talking I got my XXXX kids and. Left. I just could n't believe it. I called rush from Wednesday XXXX XXXX - XXXX all they could say was they apologize for the inconvenience. They working on it. Day in night I 'm calling I REALLY needed my cell phone just imagining who 's calling. I went the whole weekend with no phone. Monday came I was able to withdraw money to get my phone back. There were still problems with my rush card they could n't access my records. Did n't know who I was. Customers service had me on hold for hours just to say they experience technical difficulties. It 's been a nightmare. A nightmare I 'll tell you.
Product: Student loan

I applied for the school misconduct discharge for my XXXX private loans in XXXX of this year because I went to XXXX XXXX and was denied by Navient in XXXX. I have been paying these high interest loans close to XXXX XXXX and the cost is way more then the original loans. I spoke with Navient a few times over the years about discharging the loans because of what happened with XXXX XXXX and the fact financial services didn't inform me about the difference between regular loans and private loans. Navient said there was nothing for me to do but pay the loans. I still have close to {$40000.00} left to pay on XXXX loans that was under {$20000.00} and I have paid close to {$1000.00} a month for close to XXXX XXXX Expect for the times they place me in forbearance. Which only made the situation worst. Plus now Navient emails me saying my loans are being transferred to XXXX.
Product: Credit card or prepaid card

On or about XXXX of 2021 The company XXXX XXXX advertised that I was pre approved for a few credit Cards and personal loans. Upon applying for these cards and loans I learned that I was not approved on either the credit card and a personal loan. My credit was at a XXXX on XXXX and a XXXX on XXXX. It caused me a few false hard inquiries and punitive damage because I was later turned down for a house and vehicle because of the false claims of being pre approved and false number on a XXXX XXXX. I demand monetary remedy for this claim of mine. Please assist me in this monetary remedy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are fraudulent XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/2021 XXXX  XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Mortgage

You closed my previous complaint after Citizens ' Bank responded. Response was nothing short of XXXX  and I am filing this new complaint. 

Explanations about computation is fraudulent. Calculations of days in a cycle is wrong. For example - From XX/XX/XXXX to XX/XX/XXXX is 27 days not 28. From XX/XX/XXXX to XX/XX/XXXX there was 31 days. Although every month principal was paid at {$1000.00} statements for XXXX and XXXX had principal at {$28000.00}. Then in the response computation for period from XX/XX/XXXX to XX/XX/XXXX was calculated at {$5.00}?! CFPB accepted that fraudulent response?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Experian credit reporting to submitted complaint about false address on file ( XXXX XXXX XXXX XXXX XXXX, XXXX OR XXXX ). They continue to use this and report this address. Not lived in this place. I want them to report correct information all other address should be removed and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX is valid. Experian is reporting false information on my credit report. I've submitted several times asking for this address to be removed. Same results everytime using the same address as a completed task it what it states.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX experian are using unfairl pratices to ftc vilation and fair credit report act an hippa
Product: Credit reporting or other personal consumer reports

Monthly Credit inquires with Discover Bank are being completed on my credit without any authorization. The account has been inactive and closed for several years but they continue to run soft promotional inquiries into my credit without my permission.