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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

On XX/XX/2019 I received a letter stated that a balance of {$110.00} is owed for an account with XXXX XXXX XXXX XXXX. I do not have and have never had an account with this company and deny the debt.
Product: Debt collection

I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER have recently obtained and reviewed my credit file and notied an inaccurate and unverfied account being placed on my account negaively and reporting to the three credit bureaus.

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent.

These entities are a third-party debt collector and have no right to my Consumer Information ...

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings again Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I opened a Cadence Bank auto-debit account because I financed my mortgage through them and was informed if I opened an account I would receive a .025 % discount on my mortgage interest rate. 

In addition to this promotion, my mortgage had to be paid using the auto-debt account as well and my account would not be charged a service fee if the balance exceeded {$500.00}. Initially, I thought this was a win, win situation because my account would never go below {$500.00} dollars because my mortgage payment exceeded that amount each month. 

However, about a few months ago, dating back from XXXX my account has been continuously charged a {$6.00} service fee monthly. I recently just noticed the charges as I was reviewing my monthly statements. 

I immediately called Cadence Bank to understand why I was being charged when my account superseded the required amount. I was informed by a customer service representative that Cadence Bank no longer waived fees for any checking account. I was never informed of this and immediately asked how this could impact my mortgage agreement with them. I was informed if I changed banks to pay my mortgage I would incur a higher interest fees on my monthly mortgage payment. 

At this point, I am livid because I agreed to finance my mortgage through Cadence because of the interest savings I would incur if I opened an account. I was never told that my checking account would be charged service fees - that defeats the point of me signing on and opening the account in the first place when they are essentially charging me on a monthly basis what I would be saving using their auto-debt account. It's just unfair and predatory lending that keeps people stuck using their accounts. 

In addition, I have had issues with their Mortgage Servicing Department as they will not incorporate my tax savings from my Homestead Exemption. Isn't that my right as a US citizen? I am essentially being charged 25 % more in escrow tax payments because of this. I have tried to copy the XXXX County Tax Assessors ' office on email with the servicing department to confirm the documentation I provided is what is required for tax savings and it has now been 14 months and nothing has changed. 

There is no direct contact number to speak with any supervising manager and none of my complaint have been answered. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I went to my local bank branch to effect a balance transfer which would pay off my Visa account at USAA and create a new Visa account at my local bank ( for which there was an incentive of getting six months without interest ). The payment from my bank to USAA was rejected as having the wrong address. After additional attempt was made to effect a balance transfer, I requested an e-mail from USAA with the verified payment address, which they provided. This was the very same address which I had provided to my bank the first time I attempted to transfer the balance in question. After a 3-way call with myself and representatives from both my bank and USAA was held to determine exactly what was required to do a balance transfer, a final attempt to effect a balance transfer was undertaken in XXXX of XXXX and again USAA rejected the payment from my bank stating that the full account number of the USAA Visa account was needed. My bank XXXX XXXX XXXX XXXX XXXX XXXX assured me that the entire account number was provided to USAA via ACH information but was never included on hard checks due to security concerns. Nevertheless, USAA again declined the payment and seems to contrive multiple and various excuses to decline any attempt to effect a balance transfer from my bank. 

Ultimately, I have declined to make further payments on the account pending a resolution of the issue because I believe USAA is deliberately obstructing my attempts to close out my Visa account with USAA. I have communicated my position to USAA in that regard but they have now begun harassing me with collection calls on a daily basis. 

My bank assures me that they have provided all the required and customary information for transactions of this type to USAA. USAA, however, continues to claim that additional or different information is required or that the information needs to be presented to them in a different form. In short, they are refusing to accept a balance transfer as payment against my account and doing so without justification, which has cost me over 15 months ' worth of interest ( a total of over {$1000.00} ). I have spent considerable number of hours making multiple trips to my local bank branches, making phone calls, and participating in online help chats until I am simply unable to continue pursuing this myself because nothing I do changes the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
Product: Prepaid card

On XX/XX/23 and XX/XX/23, my new ADP Wisely Pay Card was compromised of {$900.00}. When I learned this on XX/XX/23, I contacted Wisely immediately. They canceled my card, said I should see a provisional credit in a few days, and that they would begin an investigation. The actual card is always with me, and never shared or used by anyone. I live alone. 

Since then, I have called multiple times, only to speak with people I can not understand ( broken English ) and be given a different answer. I have tried to be understanding. 

It has been 8 days. This morning I called again asking for a status. The answer today was that they sent a letter via US Mail and I have to sign it, then return via US Mail. We all know mail is delayed around the holidays, so of course I have not received a letter ( or a replacement card that I understand costs {$30.00} ). 

Once they have a signed letter ( not sure what it says ), they will consider a provisional credit, and it could be up to 45 days. I asked for a supervisor who again, I could not understand well. When I became frustrated and asked for a second level supervisor, she advised me there is nobody higher than her. Her name is XXXX. Later in the conversation, when I asked if she is the CEO, and if not, to provide me with HER supervisors ' name, she refused to do so. 

My career was in Finance, and I am a part time employee, recent widow, and I'm XXXX XXXX XXXX. I understand business processes in Finance. I understand banking. I'm not stupid and I'm not wealthy, nor am I in a position to lose {$900.00}. I don't expect special treatment from Wisely. I do expect them to follow the law, speak clear XXXX to their customers, and to not sit on my {$900.00} for 45 or more days. I expect an answer, and it is my right, so I thought. I had to pay half of my rent via credit card with a 21 % interest rate. I will obviously not have the opportunity to buy XXXX presents for my grandchildren. What shall I tell them?
Product: Credit card or prepaid card

During Corona Virus I was unemployed, laid off, and had a gross loss of income. My XXXX XXXX from XXXX XXXX as well as my XXXX. I am single mother and head of our house hold. 

I became reasonable for my mothers requirements to repay, car liens, storage, burial, transport and service expenses while grieving the loss of two immediate family members. during the uncertain finically fearful time, I accrued debt and late fees associated to my capital one credit card. Having been a long time standing consumer and consistent I fell behind in payments because the requirement of monthly fees were unbearably large. 

I attempted to contact capital one credit card three times, spending close to an hour with each representative to rectify the past due balance, and create a sustainable and practical repayment plan where the monthly fees were more suitable to providing necessities while maintaining my credit integrity. I was declined, and told they would forbear one month but I would owe a large amount the following two months with out a lower monthly payment moving forward.

I was also told to call back two weeks to see if I " qualified '' for a different program all the while accruing more debt and fees. By the third attempt to " qualify for pandemic relief program that was in accordance to my affordability '' I was provided the same outcome each time. 

I have done my due diligence but the gross disregard for the unforeseen and unplanned circumstances is consumer abuse by force by lacking to provide a suitable and practical repayment program with the given circumstances. God faith and fair dealing has not been honored as it pertains to consumers just starting to regain capabilities again.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and Experian shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for Experian and XXXX shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on Experian and XXXX shows {$9.00} but XXXX show {$0.00} 4. The day active date for Experian was XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer reviews about there business practices.
Product: Money transfer, virtual currency, or money service

I have been using the CreditKarma Spend account which also includes a debit card to make POS purchases. I feel that CreditKarma is laundering the money transferred from my bank account by withholding the money transfered for several days after my bank already paid the transfer to their systems. According to my bank, that money should show up the same day or next day in CreditKarma account. Recent example. Initiated transfer of {$25.00} to the CreditKarma Spend account on XX/XX/21. My bank paid that transfer out on XX/XX/21. As of today, XX/XX/21, CreditKarma does not reflect that money is available even though they have been paid for over 5 days. This has happened every time XXXX transfer money. It feels as though they are funneling that money through some other account ( probably collecting interest ) and waiting several days to make it available. this does not seem right in todays fast paced electronic digital world. I am submitting this so perhaps an investigation into CreditKarma 's practices can be started. I am also contacting other agencies including FCC and the FBI. Each time I contact the company regarding this issue, I get no response from their online contact submission but usually the money suddenly appears in my CreditKarma account really fast after complaining. I wonder if I didn't complain how long they would wait to transfer the money? I am sure they are doing this to tens of thousands of their customers and the amount of interest they are illegally gaining through this money laundering scheme is probably in the millions. I am also likely to contact a local news channel to do an investigative report. People need to know about this scam going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is Wells Fargo and XXXX putting remarks on an account that has been closed for YEARS!? MY CURRENT DISPUTE IS FOR THE MISHANDLING AND REPORTING OF MY FORBEARANCE PLAN DURING COVID19. Why are you adding remarks to accounts that have nothing to do with my mortgage!
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am unaware of them, and the company did it without my permission.
Product: Credit card

I am writing to file a complaint regarding the handling of my secured credit card account with Capital One. 

On XX/XX/year> I paid the entire balance on my secured credit card account, including all outstanding fees. Shortly afterward, the account was closed by the issuer. I expected my security deposit of {$200.00} to be refunded promptly, as my account was in good standing with a XXXX balance upon closure. 

However, despite my payment, Capital One has informed me that I will have to wait XXXX to XXXX billing cycles ( up to XXXX days ) to receive my deposit refund. I find this delay unreasonable, as there are no outstanding obligations on the account. Additionally, I have been unable to reverse the final payment, as the account is now closed. 

I have requested a written confirmation of my refund and a timeline, but the responses I have received from Capital One have been vague and unhelpful, and I feel that I am not receiving the customer support I deserve.
Product: Vehicle loan or lease

Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTROM/TD BANK USA did a credit inquiry without my permission or notice on XX/XX/2022. 

I was notified by my bank so I called Nordstrom on XX/XX/2022. They insisted that it was not them. 

I contacted XXXX and had a review done and put my credit on fraud alert for a year. 
The XXXX investigation came back updated and they did NOT remove the Nordstrom inquiry. I have no clue who or where this inquiry launched from.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Debt collection

Spring Oaks Capital LLC has continued to openly participate in illegal debt collection, extortion, and racketeering with XXXX XXXX Spring Oaks Capital LLC has a non-certified copy of a contract purchased from XXXX, as well as a copy of an electronic image of a promissory note purchased with the intent to deceive with a security of the United States . I attempted to resolve this issue with them several times but they refused to cooperate. Their activities have created actual damage and have harmed my credit reputation and personal reputation. All I was asking is for a permanent removal from all consumer reports. Reference number # XXXX a