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

I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. XXXX XXXX stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that XXXX most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. XXXX  notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer.
Product: Credit reporting or other personal consumer reports

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  I received a copy of my credit report and I have found that in accordance with the FRCA you violated my rights under : 15 USC1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PURSUANT to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) BARCLAYS BANK DELAWARE ( Account ) # XXXX ( XX/XX/XXXX )
Product: Credit card or prepaid card

I received a mailed pre-approved for an Aspire credit card with a {$1000.00} credit limit subject to verification of eligibility .The pre-approved card offer reportedly provides cards immediately after the consumer calls ( XXXX ) or accepts the offer online with the acceptance code that has been provided in the mailed offer. However, when I called to accept the offer along with acceptance code I was declined for no apparent reason. I was not approved immediately despite my eligibility.I was informed that I would receive a letter or email informing of the results of my application ( which was done con- ducting a hard credit check ) .I thought this was somewhat strange. I called back the next day and was advised by a customer service rep. that my application was declined, Further investigation of Aspire revealed numerous negative reviews fro other comsumers.Most that seem highly questionable and reported as a scam For your investigation of the matter, Aspire can be contacted by calling XXXX XXXX. This number is to their customer service department .This card company should be closed. 

Thank You. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect Names on my account XXXX XXXX XXXX XXXX Also addresses ive never lived in XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The inaccuracies are highly detrimental to my credit score. 

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 Under The Fair Credit Reporting Act Public Law 91-506 title 6 section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Payday loan, title loan, personal loan, or advance loan

I have held this account since XXXXXXXX XXXX XXXXXXXX. I have made all payments on-time or early. All of my payments have been at or above the minimum required. All of my draws have been repaid in full early. I have had a continuous ACH agreement in effect since applying for the account. I have learned that I currently have the highest level of billing cycle charges ( level 4 of 4 ).

I inquired it was eligible for reduced billing cycle charges as advertised on the website via a chat with a rep on both XX/XX/XXXX and again on XX/XX/XXXX. I asked on two different occasions because it was not clear if the first representative understood the question.

During both conversations I was told I did not qualify. On XX/XX/XXXX I asked where I could view the policy. They were not able to share it with me. Instead, they pasted this into the chat : " Customers that are enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are eligible to have their Billing Cycle Charges reduced and credit limit increased over time. To participate in the program, all you need to do is : 1. Make your Minimum Payments on time ; and 2. Keep a recurring pre-authorized payment method on file. There are no costs to enroll. " I informed them that I had met both requirements. They told me that I was not eligible because I pay off my loan early using the only payment method available on the website for paying more than the minimum or before the due date.

I inquired as to whom I could appeal. They said I could provide feedback by emailing XXXX XXXX XXXX. I advised that I was not providing feedback, but I wished to appeal the decision. I asked about the emails addresses in the terms of use agreement like XXXX XXXX XXXX  I was told those were not active emails. That was concerning because the terms of use are agreed to by users of the site.

I inquired if a supervisor was available. They were unable to connect me with a supervisor. I inquired about closing the account. They were unable to assist me with that request either.

This lender appears to be predatory. Perfect payment history and early repayment are penalized by forcing borrowers to maintain the highest level of billing cycle charges.
Product: Credit card or prepaid card

On XX/XX/2020, I have received a prepaid debit card called the " XXXX  Way2Go Prepaid Debit Card '' from the State of Florida due to applying for Reemployment Assistance funding. I did not like the nature of the prepaid debit card, so in the UI portal, I changed the direct deposit funding source from the prepaid card, to my credit union checking account. However, this merely redirected funding to the checking account. I have tried to close my prepaid debit card through calling the card provider using the phone number provided, but unintentionally incurred three balance inquiry charges between XX/XX/XXXX and XX/XX/XXXX of XXXX. I have tried to close my account through the online portal provided at " https : //www.goprogram.com '' only to not succeed. The phone number provided only provides me only automated service with no access to a customer service human representative. The entity at fault would be XXXX XXXX who is acting as the steward for the Way2Go card funds.
Product: Debt collection

I've been having real financial problems with my credit score being low and really can't afford anything. XXXX XXXX and on going i keep receiving letters from commerce Bank stating I owe {$1000.00} I can't afford it I don't have it.
Product: Credit card

On XX/XX/2023 I paid my minimum balance on my XXXX XXXX & three weeks later on XX/XX/2023 I was charged a late fee. My due date every month is the XXXX, so I was early on my payment & they still charged me a late fee. Same thing happened the month after, I paid my minimum balance on XX/XX/XXXX ( again, my card isnt due til the XXXX of every month ) & I was charged for a late fee AGAIN on XX/XX/XXXX. I contacted XXXX about this on two separate occasions, first time they told me they would reverse the late fees & it would reflect in my account. It never did. Then the second time I contacted them, they said they would reverse the negative balance in my account. The only reason it was negative was because they charged me {$74.00} in late fees rather than pay down my balance while I was actively paying on time. I had to close the account because its destroying my credit card usage on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to capitol one about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up  to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport,  whicharetheresult ofmyfallingvictimtoidentitytheft
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my XXXX and Transunion Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXX Bank, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX., XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio ) 3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 10 - XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXXc Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX, NA Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX  Report Unauthorized Inquires : 1 - XXXX  Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a collections notice on my credit reports within the last few days in the amount of $ XXXX. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
Product: Debt collection

In preparation to buy a home I printed all XXXX of my credit reports on XXXX/XXXX/XXXX. XXXX reported a collection account of {$200.00}. I contacted the creditor XXXX XXXX XXXX XXXX XXXX XXXX and was told that account no longer existed. Two weeks later it was removed from my credit report. On XXXX XXXX, I received an alert that a new collection account had been added. The creditor only listed their name on my credit report but no contact info. After locating company info via internet, I contacted M.R.S. Associates to inform them that I never received any prior communication from them regarding the debt which is a violation of FCRA. I requested the call be recorded with rep XXXX. She stated they did not have my current address but I filed an official change of address with XXXX post office prior to moving to XXXX in XXXX XXXX. Despite their failure to properly notify me of this debt being placed with their office, I offered to pay the account in full but requested that the account be removed from my credit. XXXX reported that the company was not allowed to request info be removed. I requested to speak to manager to further discuss their unfair collection action. Spoke to XXXX and I again requested call be recorded. I again offered to pay the account in full if they would request info be removed from my credit reports, but was again told they could not do that. I strongly feel my FCRA rights have been violated because I was never given an opportunity to dispute the debt or pay it prior to me initiating the call today. They should not have been allowed to place account on my credit reports without sending me proper notification and allowing me to pay or dispute the debt. I again requested to speak with the next level manager, was placed on hold but was hung up on before being connected to anyone. I also plan to file a grievance with XXXX as well because after reading other complaints, this company has a pattern of not sending consumers information regarding debts prior to reporting them to credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received through XXXX XXXX a check from my father of XXXX USD. Same day I deposited the check through a Chase ATM which accepted the check and has given me a receipt. My funds were on hold a an amount of time as I was accused of fraud by chase and since the check was deposited at a faulty ATM of theirs they weren't even able to see the image of the check. After I provided them with the receipts which contained an image of the check they told me the check was good and would be sent to me. On XX/XX/XXXX I received a letter from them saying the ATM was at fault and I should have deposited the check with a teller. Since it was an ATM deposit I also didn't sign the back of the check as I was told it was not required because the check payee was on my name. I called them a day later and I was told the check was non negotiable because there was no signature on the back and the payee was written by hand by the cashier. Mind you they were only able to confirm the image of the check after I provided them the receipt. After some talking when I requested to be connected to the representatives supervisor I was put on hold for XXXX minutes until the representative told me that they were going to make an " exception '' on my case and the check should be on my hands by at most XXXX business days. He later asked if I still wanted to connect to the supervisor which I answered no because that was my issue dealt with. I waited for the check which I will use to pay of my tuition for a week and after that I contacted them today XX/XX/XXXX to see if they can track the check as it was past a week. The representative I talked told me the check was non negotiable and they couldn't send the check to me and that I was misinformed. I later connected to a supervisor which told me the same thing. I was contacting XXXX XXXX through all of this and they have confirmed the check is still good and negotiable. Chase 's consumer support not only lies to its customers but they have taken my money hostage for a month now just because their ATM 's can't read a check and they can't be bothered to contact XXXX XXXX to confirm that check is indeed negotiable. My school is pressuring me to pay and my status in the XXXX as an international student is at stake if Chase doesn't gives me back my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.
Product: Money transfer, virtual currency, or money service

XXXX Was offered concert tickets via a local XXXX page. Was asked to send payment via Venmo. Was given tickets for {$400.00} but only sent {$200.00}. I said to send me 2 tickets and then I will send you the remaining money. They committed in writing to transfer the tickets via XXXX. They then said they can not transfer just one ticket and I need to pay for all four. I knew that was false because thats not how it XXXX works. I am mediately requested that they Venmo my {$200.00} back. They asked to confirm my account, and then they disappeared and never sent the money. 
Venmo said they would investigate it but from everything Ive read they dont protect people. I would not want this to happen to anybody else.
Product: Checking or savings account

I would like to link my XXXX account with PNC and it appears that the bank is not allowing it.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX  XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect a debt for XXXX. I have never lived at the addresses they stated on the multiple harassment calls. They are threatening to add to my credit report. 



I have no knowledge of this account. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.