23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

OnXX/XX/XXXX, I received an email from Credit Karma notifying me of a PIN Change to my Credit Karma Money Spend Account and if I did not make this change please notify Credit Karma. 

On XX/XX/XXXX, I submitted XXXX XXXX XXXX [ ref :! XXXX.! XXXX : ref ] letting Credit Karma know that I did not change my PIN. 

On XX/XX/XXXX, I noticed multiple unauthorized XXXX transactions that I didn't make sent to people I did not know. The total of these transactions = {$2600.00}. I sumbitted XXXX XXXX XXXX [ ref :XXXX  XXXX.! XXXX : ref ] on the same day notifying Credit Karma of the fraudulent transactions. My account was then locked. 

Despite calling/emailing customer service I did not revieve any updates for nearly a month. I was finally granted access on XX/XX/XXXX. 

On XX/XX/XXXX, I noticed additional multiple unauthorized XXXX transactions that I didn't make sent to people I did not know. The total of these transactions = {$1200.00} XXXX XXXX XXXX [ ref :XXXX XXXX.! XXXX : ref ] On XXXX my account was locked/scheduled to be closed and that was the last time I had access to my funds and any kind of visibility into my account.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed XXXX XXXX # XXXX is reporting a bunch of inaccurate late payments. 

XX/XX/XXXX and and XX/XX/XXXX - are both reporting 30 days late. 

XX/XX/XXXX, XXXX is both reporting 60 days late Every month after that is reporting charged off re-aging my account each month. 

The credit Bureau have a responsibility to make Sure everything thats reporting on my account is reporting accurate and complete. Please delete this account immediately as it is harming my credit. I will attach the credit report as my proof and a copy of my ID as proof of identity.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX XXXX XXXX XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/year> '' XXXX ) When XXXX pulled my credit report from XXXX XXXX. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " XXXX XXXX '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.
Product: Debt collection

I spoke to these people in XXXX of XXXX. I set up an arrangement using my debit card. My debit card was canceled due to fraud activity. I inadvertently neglected to call the debt collector and provide updated banking information. Today, XXXX/XXXX/XXXX, the company, XXXX XXXX, called. I explained that I was at work and I could not talk or make a payment. They pushed the matter and then got really nasty with me. XXXX XXXX XXXX threatened me with civil action if I did not pay. I said I was willing to settle this but could not do it at the moment because I was at work. He said " I 'm not calling you from a garage. I am at work too. '' I told him I did not appreciate his tone, and being rude was unnecessary. I asked for a number to call him back at. He provided me with XXXX. I want to note that this company called me from XXXX which is a NJ number. The XXXX number he provided is for NY state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Product: Debt collection

XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.
Product: Mortgage

I have been making bi-weekly payments and monthly payments. None of the payments are being applied property. They kept showing my payments are unapplied. Payment processing is not properly reflecting my payments. Payments are consisting receiving but on hold somewhere. I need an audit so this lender will fix their payment processing system. I requested to cancel the bi-weekly payment but they are still processing unauthorized payments. Yet they are not reflecting properly on my principal balance. I need help before they illegal foreclose on my house.
Product: Bank account or service

Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.
Product: Student loan

I qualified under the Save plan but Mohela keeps accruing interest on my loan amount. I have called Mohela in XXXX and they said they will pause interest at the end of XXXX. However my interest amount has grown from {$30.00} to {$110.00}. Accrued Interest as of XX/XX/23
Product: Checking or savings account

I went to branch of Bank of america 5 months ago to get mailed verifacation, for this account, from the bank and the manager called a special number, they said they would email me and mail proof that the debt is valid, nothing ever happened. i disputed with XXXX 4 times they said its valid by computor, bank of america cant send validation proof, which i have asked for 4 times, the last time was XXXX weeks ago and said they would mail to me, that has not happen. Bank of America needs to show me WRITTEN Proof this debt is factual. other wise delete from XXXX XXXX Report. 
I have addtional infomation disputing this debt
Product: Credit card or prepaid card

I applied for a credit card from Capital One and the last page, which has the final submit or apply button, stated that the applicant would have the option of accepting or rejecting the credit offer. However, after selecting the submit or apply button, I was immediately informed that my application was accepted and an account opened. None of the terms were disclosed to me prior to the account being opened and I was never given the opportunity to reject the offer. Now I must choose between closing the account, or leaving it open and not using ; unsure which action will best serve my credit score/credit worthiness. 

The important points : 1 ) None of the terms were disclosed to me prior to the account being opened 2 ) and I was never given the opportunity to reject the offer 3 ) the company lied on the online application ( i.e., stating there was opportunity to accept or reject offer of credit after approval and terms were known )
Product: Money transfer, virtual currency, or money service

XX/XX/2023 - Cash.app. I sent {$300.00} to purchase organic food. I was provided a tracking number. The product never arrived. The tracking number was fake. The seller admitted after I pushed him that it was a scam or a fraud. That he never intended to ship anything. I have reported the scam to cash.app. They do not have a way to received documents. They will not refund me.
Product: Credit reporting or other personal consumer reports

I reach ou to the company and they havent provided me with anything of my documentation that I request from the company and my debt is over {$600.00} and still have reached out with anything that i asked for.
Product: Checking or savings account

I have contacted the bank to release a hold on my deposit. They state in-network check and cash deposits take 5 business days to clear. They state the ATM has network limitations, but
Product: Credit card or prepaid card

Applied for a capital one card with a promo code. I applied AND WAS APPROVED for a platinum card for  XXXX . I was given access thru the wallet. 3 days later. Acct restricted cause the code was sent and used to thousands of other. So accts were restricted. They sent out the card. Cant use it now its closed and was told there was nothing that can be done. Not all who uses this code was approved. Not sure how its considered. I used my social. My dob. My info and a hit to my credit and was just told oh well..
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was previously serviced by Ditech. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, Shellpoint/NewRez took over the loan. At the time they took over the loan Ditech records showed the account was XXXX months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not XXXX months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from Shellpoint/NewRez who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account XXXX months behind. I provided Shellpoint with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect XXXX  months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Product: Checking or savings account

i filed a claim because the business XXXX XXXX a gas station charged me XXXX. XXXX twice and XXXX all on XX/XX/XXXX th. the bank refunded 1transaction for XXXX and left the other 2 where there should only be 1 charge as i did go only once. threre have been many issues of debit card charges to mu account including companies i do not pay such as XXXX. there has been stock sold such as XXXXXXXX XXXX and i currently have XXXX or XXXX transactons more that are fraud. i am out of work with limited funds and i belive they may be inflicting intentional financial stress due to a prior complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and Chase Home Finance. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.
Product: Credit card or prepaid card

I made a purchase with my Synchrony Bank American EagleXXXX credit card, the order was only partially shipped. The payment was due in XXXX, I called the credit card XXXX and they told me to pay only for the portion that I received and that they would file a dispute for me. I received the bill in XXXX with late fees and interest. I called the credit card company and was told that I didnt have to pay as it was found in my favor and that all charges would be reversed. I received another bill in XXXX and called them again and was told the same thing again. I received a text from the credit card stating that I was late. I called again and spoke to a supervisor and was told that they were resolving the issue for me, I asked them to reach out to the credit bureau to let them know I wasnt late so that it wouldnt go against my credit. I received a letter stating that they reported my payment as late 66 days. The letter was dated XX/XX/2023 and I called on XX/XX/2023. I was lied to on XXXX occasions and was reported to the credit bureau as being late.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

every time i try to get a line off credit on my checking account navy federal refuse to give me on this is not the first i have tried so many time i have been a member with them for over 40 years, to me they are so hatefully company and they don't care about they customers its all about they money especially the CEO XXXX she don't care. and its sad
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EXPERIAN 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates XX/XX/year>, {$440.00} This Account is not mind, ID Theft
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an an account that was not reporting accurately. I had late payments that I was in fact paid on time the consumer report agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of to this complaint on the following dates XX/XX/ I am now request you investigate and provide verifiable proof with record showing that I had late. If this information can not be verified I request these payments be updated to paid on time immediately as this is affecting my credit, and I have always been on time.Thank you for your understanding and prompt actions.