23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter XXXX Bankruptcy Dismissed : XXXX, Chapter  XXXX Bankruptcy  Dismissed : XXXX and Chapter XXXX Bankruptcy  Dismissed : XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally report an issue I have encountered with TransUnion regarding the investigation of inaccuracies on my credit report, specifically related to my XXXX XXXX account ( Account Number : XXXX ). 

On XX/XX/year>, I submitted a letter to TransUnion requesting an investigation into the inaccuracies associated with this account. I received a response on XX/XX/year>, stating that the account had been verified ; however, I found that the same inaccuracies remained on my credit report. Despite my concerns, I proceeded to request a second investigation on the same day, XX/XX/year>. Unfortunately, the account was again verified with the same inaccuracies.

One of the key inaccuracies I am contesting is that this account is reported as charged-off while simultaneously indicating a past due balance of {$1100.00}. As per credit reporting standards, a charged-off account should not reflect a past due amount, making this reporting incorrect.

I have provided TransUnion with two opportunities to rectify these significant issues, but they have failed to conduct a proper investigation into my claims. Consequently, I am in the process of filing a report with the Federal Trade Commission ( FTC ) for fraud due to their negligence in handling my case. Additionally, I am considering taking legal action to resolve this matter effectively. 

For your records, I will attach copies of both letters I sent to TransUnion as well as the letters they returned to me, which serve as proof of my attempts to address these inaccuracies. 

Thank you for your attention to this matter. I appreciate the work the Consumer Financial Protection Bureau does to ensure fair treatment in financial reporting, and I hope to see prompt action regarding this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Contacted Netspend customer service at XXXX to attempt to close a Mastercard that was sent without solicitation. Spoke with XXXX at their customer service to close account. This company violated the Truth in Lending act of 1968 and the Board of Governors of the Federal Reserve System regulation Z.
Product: Checking or savings account

I filed a dispute for an item I did not receive. The disputed amount was for {$100.00}. Instead of investigating my dispute, Wells Fargo closed my dispute, citing an entirely separate transaction for the amount of {$100.00}. It's plainly clear from my statement that these are two different, and unrelated, transactions.
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of XXXX  and I do not give permission to any company to speak, embezzle or coerce any debts.
Product: Payday loan, title loan, or personal loan

Mariner Finance purposely blocked my ability to make payments online with guaranteed funds which caused default and sending my account to collections. This account should not be in collections office because Mariner forced this situation due to unfair practices and it appears that the company is purposely attempting to injure my credit. Over the course of the last 45 days, I tried several times to pay online with my debit card. The online system blocked that ability even though I had tried to pay the total amount due. I was out of town working remote from XX/XX/XXXX XX/XX/XXXX. During the time that I was working remote, I was unable to call in to make a payment over the phone as requested during business hours because I was unavailable via phone because of work obligations. I wouldve made payments with a debit card online using my account log in if I was allowed by the online system. I have made payments online in the past and should still be allowed to with guaranteed funds. 

I was not available during Mariners business hours therefore I could not talk to them to process a payment over the phone. However, I would have made several payments online had I been allowed to do so with my DEBIT card. I was attempting to make the online payment so that Mariner would be able to credit my account immediately. 

My work hours and unavailability did not make it convenient for me to have a phone conversation. I tried a few times to call the office during my lunch breaks but the calls went to voicemail. Since I wasnt in town, I was not able to drop off a money order payment to the office location near me. I tried to call on my lunch break when available, but, I was not able to get connected because Mariners phone system went to voicemail. I have attached toll transactions proving that I was out of state on the dates indicated above. 

It is my concern that Mariner is unfairly attempting to garnish my wages when they blocked me from paying with guaranteed funds via the online system. I am very concerned about the practices of Mariner finance. They have sent me a judgement letter to sign and I do not believe this is fair to me as the consumer given the practices of Mariner finance detailed above. 

In summary, It appears that Mariner Finance purposely blocked my ability to pay with guaranteed funds via their website to force a potential wage garnishment and judgement. I have concerns that my rights as a consumer have been compromised and/ or violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion on XXXX XXXX by mail to dispute inquires that were unauthorized by me. I have tried to contact them several times by phone stating that the inquires were not authorized by me. I stated that I felt that that were done my third parties companies. It has been over 30 days and I have not receive a response from transunion. I have requested several times to have these deleted. I also tried calling them on XXXX XXXX and XXXX XXXX. They stated there is nothing they can do and they will remain for 2 years. I feel for these inquires to remain is unfair to the consumer. The FCRA states that the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. I would like the below inquires remove. 

XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX XXXXXXXX {$940.00} on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 BAD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

First of all, thank you so much for doing this. XXXX XXXX, Comenity bank is the worst bank in the world. I made the mistake of signing up at a XXXX XXXX store because of the attractive offers. They charge the highest amount of APR and they are continuing to increase it next month to 35.99 % therefore I am trying to pay off the credit card and close my account with them. I have from day one, had continuous issues with this bank. I set up an autopayment of {$300.00} to be deducted on every XXXX of the month. I also wanted to make additional payments and bring down my balance. So I paid {$210.00} on XX/XX/XXXX, thinking I'd automatically pay another {$300.00} on the XXXX through the autopay amount, bringing down my balance, because I would've paid {$510.00} for the month of XXXX. Instead, they decided to reduce my autopayment amount to {$84.00}, so that I am restricted to pay only {$300.00} a month!!! How can they take that decision for me? If I want to make additional payments ahead of time and bring down my balance, they CAN NOT AND SHOULD NOT HAVE THE AUTHORITY TO REDUCE MY AUTO PAYMENTS AMOUNT. This is criminal. They are not letting me pay off my card.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccurate, incomplete, and unverifiable information reported on my credit report. This failure has caused severe financial hardship and has resulted in denial of housing opportunities. 

XX/XX/XXXX, I sent a dispute letter to TransUnion via certified mail with tracking number XXXX, which was delivered on XX/XX/XXXX. This letter requested an investigation into several items on my credit report that I believe are inaccurate, incomplete, and unverifiable. On XX/XX/XXXX, I had to send a second dispute letter via USPS Priority Mail with tracking number XXXX. This letter reiterated my request for an investigation into the same disputed items. 

TransUnions failure to properly investigate the disputed items has caused me significant financial hardship, including the denial of housing applications due to the inaccurate and incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. By failing to investigate disputed items and continue reporting unverifiable information, TransUnion is in violation of this legal requirement. 

I am requesting that TransUnion fulfill its legal obligations under the FCRA and take corrective action promptly. This issue has already caused severe disruption in my financial stability and personal life, and I am seeking your assistance in ensuring that TransUnion complies with the law and resolves this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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.
Product: Credit reporting or other personal consumer reports

Over 30 days ago, XX/XX/year>, I sent verifed letters to dispute the account PORTFOLIO RECOVERY ASSOCIATES XXXX, which is a debt buyer account. I have not recieved any verified information that this company has any right to collect and or report this account to my credit report. I am requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). And did not receive any of the following : proof that I owe the debt, including a copy of the original signed agreement or contract. The name and address of the original creditor, along with an itemized statement of the debt ( principal, interest, fees, etc. ). Documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership of the account. A detailed payment history of the account, from inception to the present. 

I would also like to request that you cease all collection activities, including reporting this debt to credit bureaus, due to no validation. 

I request that you immediately cease collection efforts, remove any reporting related to this debt from all credit bureaus, and notify me of your compliance in writing.
Product: Checking or savings account

On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On XX/XX/2019 I called Wells Fargo to verify that I was would receive the said bonus, the representative informed me that I would receive it if I meet the terms. I reached that objective, and called Wells Fargo on XXXX XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep I spoke to said he did not know what bonus I was referring to. I escalated the situation to the customer service department, they informed me that they do see where I spoke to a representative on XX/XX/2019 but do not see a record of a bonus. Wells Fargo informed me that they will open an investigation, they are giving me the run around about the bonus, and are not meeting their end of the deal/ online advertisement.
Product: Student loan

During the Covid-19 pandemic, during the relief program that started on XX/XX/XXXX until XX/XX/XXXX, repayment and deferment policies were put in place, and loans were no longer being put into default during this time. I have a student loan that was placed in default XX/XX/XXXX, and can not access it or pay it off due to the servicer no longer having access to it because it is property of the Dept of Education, but the Dept of Education doesn't have access to the loan either. This defaulted loan is preventing me from receiving financial aid for continuing my education. Please advise me on how to get my loan out of default when it was not supposed to have happened during this time and the Covid relief program.
Product: Checking or savings account

hello, I bank with wells fargo for now 5 years. money was credited on my savings account and then taken several times because of one claim that was closed on my favor. 

the bank left my savings account on a minus negative balance saying the reasons it was done because they had credited me in error too many times. and that by error they had opened several disputed on the same case. 

so the out come was that everything they gave me was at the end taken and leaving me with a negative savings balance for a dispute from XX/XX/2017.
Product: Mortgage

Hi i have been working with SPS since  XXXX / XXXX / XXXX , to complete a short sale on my property, it took til  XXXX  of  XXXX  to get approval, The buyer I had from  XXXX  hung in there til  XXXX  of  XXXX , his lawyer called and said his clients finances had change d 2days before  we were to close  XXXX   XXXX   XXXX , and we could not close, we relisted and by the grace of  XXXX  we found a new Cash buyer on  XXXX   XXXX  the day I was to close, we submitted all documents, for review, i was told it would not take as long as the first time i had already been approved, and the offer was more than what had been approved weeks before, I now I 'm having to repeat and resend over and over documents, each week there is something new, if anyone had half a brain, they would of just resubmitted the offer to the lender for approval. There is no one that has authority, that you can speak to at SPS, and the ladies can only tell me what is needed to move forward.   This is not right my offer should be submitted to the person or company for there approval, I should not have to go thru this again, I was approved to have a short sale done and the offer is more then was approved, already.
Product: Checking or savings account

on XX/XX/XXXX I applied online for a checking account with Bank of America ( BoA ). On XX/XX/XXXX I received an approval for a checking account and a savings account. About 3 hours after the accounts were opened I linked my XXXX account and transferred {$500.00} and sometime later switched my direct deposit with my employer to BoA, both were successful. 

On XX/XX/XXXX I received a status update that BoA was unable to transfer the funds, but being unfamilar with the language of the email. I still believed my account was opened. However, when I tried to login there was no such account. 

Since I am XXXX XXXX and did not have access to a TTY line I asked my mother to assist me by calling BoA and merging the calls. We contacted BoA on XX/XX/XXXX and were told that the accounts were in the process of being closed and a cashiers check for {$500.00} was mailed on XX/XX/XXXX to the address on record. The BoA rep. said to contact the Fraud center on Monday -Friday to get additional details. On XXXX XX/XX/XXXX we contacted BoA and told that the account was closed and that I had the option of going to a local branch and presenting two forms of ID and an account might be open. 

When I contacted my employer they said it could take up to two check cycles to switch the my direct deposit back to XXXX. So currently I am out {$500.00} and potentially two pay checks. Luckily my parents are fronting my money and have already paid my rent. 

However, there is a big flaw in BoA 's system, first of all I did not receive a conditional approval, and the time stamps on the emails from BoA are not accurate as the funds transfer did take place 3 hours after the email.
Product: Credit reporting or other personal consumer reports

Subject : Reporting of Charged-Off Accounts with Outstanding Balances & Breach of Personal Information Dear Sir/Madam, I am writing to formally file a complaint regarding inaccurate reporting of charged-off accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.

Upon reviewing my credit report, I have discovered that certain accounts, which were charged off by the original creditors, are still being reported as having outstanding balances by debt collectors. This is misleading, as per the regulations under 15 U.S.C. 1681, once an account is charged off, the balance should reflect the amount owed at the time of the charge-off, and no further charges should be added after this event unless they are part of a settlement or new arrangement. 
To my knowledge, these collection accounts should have been marked as charged-off with no further balance. The continued reporting of an outstanding balance not only misrepresents the actual status of these accounts but could also be interpreted as fraud. These actions seem to violate both the spirit and letter of the law, as they create a false impression of my financial obligations, which negatively impacts my creditworthiness. 
Additionally, I am concerned that the information reported may be a result of a data breach, compromising my personal information. This has put my privacy at risk, and I am requesting that an investigation be conducted into the source and handling of this data to ensure my information has not been unlawfully accessed or misused.

I kindly request that the CFPB investigate this matter and ensure that these inaccuracies are corrected. The failure of these creditors and collectors to comply with FCRA guidelines has caused significant harm to my credit standing, and I seek a prompt resolution
Product: Mortgage

Back in XXXX of this year I applied to Quicken Loans to refinance my current mortgage with XXXX XXXXXXXX XXXX I gave Quicken Loans all the documentation including proof that XXXX XXXXXXXX XXXX  had erroneously listed a forbearance with the credit agencies when if fact it was a deferment. I even provided proof with a letter from XXXX XXXXXXXX XXXX indicating that they made a mistake and were in the process of correcting the listing with the credit agencies. Quicken Loans said they had to disqualify the loan based on the the forbearance, but I provided proof it was not. This is against the law.
Product: Checking or savings account

On XX/XX/ 2023 using Bank of Americas mobile banking app I attempted to transfer {$8800.00} from my Bank of America checking account to my Bank of America savings account. When I completed the transaction I immediately realized I made a mistake and sent those funds in the form of an online banking payment to my Bank of America credit card account. 
After I realized my mistake I called Bank of America to reverse that payment and have it returned to my checking account. I was told by an agent that my funds were already in the possession of Bank of Americas credit card department and that I would have to wait until the next business day to call Bank of Americas credit card department. 
On XX/XX/2023 at XXXXXXXX XXXX XXXX I called Bank of Americas credit card department and an agent by the name of XXXX told me that she put through my request to have my funds returned to my checking account. XXXX told me that this could take up to 2 business cycles or 60 days for those funds to be returned to my checking account. I told XXXX that was totally unacceptable to me that I needed those funds returned ASAP.
Product: Credit card

XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.
Product: Payday loan, title loan, personal loan, or advance loan

GreatPlains Finance , LLC d/b/a Cash Advance Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX Took on payday loan with this company in XXXX of the year For {$400.00} To my research app havent found looked at the statements of that year and I havent seen any money been taken out or havent gotten any notice or emails saying its late after 10 years as as of this week there they sent a collection company by phone to try to collect the money this company ask why get in write ask send what anount like who it good company This is a very urgent and time sensitivenmessage from XXXX. Please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who may better assist you again please return our call at your earliest convenience thank you and have a wonderful wonderful day.