23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CreditKarma, this is a follow-up on XXXX  case XXXX which you have not answered despite multiple and clear follow-ups on my side. I am including the response that I gave below, and I need you to please fully address this and/or provide a phone number to your Executive Team to fully address, or I will continue escalating to the Attorney General, OCC, etc. until it is resolved. This is an issue on your side, NOT on the credit bureaus ' side, and your team has to understand this at this point : " My basic question is about a XXXX XXXXXXXX XXXX account with a credit limit of {$27000.00} that was added on XX/XX/XXXX, per XXXX 's report ( I connected with them to confirm ). CreditKarma has a history of " what's changed '' on our credit reports, in a section called " See what's changed ''. This is generated by CreditKarma, assuming CK compares the current report to the last report. This is how you are able to provide changes daily. However, this account doesn't show up anywhere in the history. I use CK 's history tool to monitor what is changed on my report and how my score changes in relation, and this needs to be addressed as it's not correct.

As stated in my original concern, I am well aware that CreditKarma is not a credit bureau and that you relay credit information, but you are not doing so reliably per my concern. Its your company that generates the See whats changed section. This is not an identical section provided by any credit bureau - its generated by CreditKarma. I am simply asking where, in your history, was the account specified first added to my report. It magically appeared without ever coming up under See whats changed, a section that myself and likely many other members rely on- at the very least, this is a technical issue on your apps side that you need to understand, address, and provide the technical ticket number for.

I rely on CreditKarma to deliver accurate information as provided by the credit bureaus. If you are ingesting data, providing a new format, and leaving crucial data out like a whole new account added, we have a problem. Please understand the issue and what your company is responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not apply for or authorize
Product: Credit reporting

Please see Consumer Financial Protection Bureau complaint # XXXX XXXX Bank and the letter I received XXXX XXXX, XXXX dated XXXX XXXX, XXXX that list Transunion Consumer Relations XXXX. Transunion, XXXX XXXX XXXX XXXX, PA XXXX XXXX I am unable to reach Transunion list in the letter received from XXXX XXXX 's which is in retaliation to a XXXX Bank credit card. I paid XXXX 's off early before a promotional deal and paid for a 5 year extended warranty. When I ask XXXX 's for documentation for the extended warranty still effective - - I was told the receipt was proof of payment for the extended warranty and the XXXX 's XXXX care can be checked for verification. I only authorized XXXX 's to do a credit check when I obtained the card at the XXXX XXXX XXXX XXXX XXXX, Ca. Town center not in retaliation years later. Again, I can not reach anyone at Transunion which is listed as a sourced involved in the XXXX Relation/XXXX 's Matter.
Product: Checking or savings account

I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from Lightstream Bank on XXXX. Ive already sent in a dispute about this unauthorized inquiry and XXXX have not removed this unverified unauthorized inquiry from my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report with out my explicit permission. LightStream bank have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with LightStream Bank furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with LightStream bank for review or collection. This needs to be removed immediately.
Product: Checking or savings account

On the day of XX/XX/2021 my chase checking account in XXXX was compromised by a 3rd party via XXXX. I immediately called chase and reported the fraud. On Monday I had the XXXX of XXXX I was able to contact the fraud department to cancel my debit card that was on file with eBay and receive a new debit card. I thought everything was fixed chase said they would investigate. That Friday XX/XX/XXXX I received a package at my door. I thought it was strange because I had not ordered any thing. But it was addressed to my name. I opened the package only to see that some one ordered a car part in my name. I was still a little confused but the more I thought, I remembered my ebay account was charged earlier in the week. I logged on only to see that the transaction made on ebay was for car parts. I immediately contacted the seller. Explaining that my account was hacked into n I would like to send the parts back. The seller confirmed with me that I can send them back to the adress listed on the box they were shipped back ups ground with a tracking number XXXX on XX/XX/XXXX. Chase was then called and made aware of what happened and that the all though I was not the buyer but that seller received there merchandise back I also provided chase with all the tracking information. On XX/XX/XXXX chase rules in the favor of the third party who accessed my account and takes the amount of XXXX back out of my account and credits it back to the seller. Me being in a state of shock call chase, and chase tells me to call XXXX. I contacXXXX XXXX and they tell me their is nothing they can do because I contacted my financial institute. XXXX did how ever look into the account and under there investigation they determined there was fraud and that my account was accessed by a third party. They even wrote me a letter to provide to the bank. Saturday XX/XX/XXXX I walked into my local chase branch at XXXX XXXX XXXX XXXX Ga XXXX and talked to XXXX the branch manager phone number XXXX XXXX XXXX I explained the story to XXXX and even showed him my letter from XXXX. XXXX agreed after seeing the letter and faxed it to chase once again for the claim to be reopened. XXXX told me to call the XXXX XXXX number back in 2 days as it would take time to process. On XX/XX/XXXX I received a letter stating a denial to reopening the claim and was a laughed at by a customer representative supervisor by the name of XXXX when I questioned the denial
Product: Debt collection

I used your services and did not get from Capital One what I asked for only excuses. Now I want the following : or I want a removal of this account taken off my credit report. Not their excuses, cause they say they know my address and my dob and my email. Thats not facts with my signature. I want the following : Original Contract with my signature Pay off disclosure Interest Rate disclosure Balance history Payment history XXXX XXXX
Product: Student loan

Navient provided an incoherent response. Navient did not respond to any of the issues raised and only admitted to not properly handling the servicing requirements provided by the Department of Education. Navient also admits it fails to follow Federal law with proper payment allocation. 

Navient is failing to take the correct accounting of the payments. Navient stole the payments made for the next month and misapplied them to what they term as " Unpaid Interest, then to Unpaid Principal. '' THIS IS INCORRECT as all interest payments and principal are current. 

The total due for XXXX is {$280.00} the total paid was {$500.00}. 
The total due for XXXX should have been {$100.00} the total paid was {$320.00}. 
Therefore, total due for XXXX should be {$100.00} AND WITH NO UNPAID INTEREST AND UNPAID PRINCIPAL AS EVERYTHING HAS BEEN AND WILL ALWAYS BE CURRENT. 

Proper allocation of payment to account and thus an amount due for XXXX for {$100.00}.
Product: Credit card or prepaid card

I applied for a Sam 's Club Credit card in XXXX or XX/XX/XXXX. I was told at this time I could use the temporary card immediately. I assumed that my membership number with Sam 's Club would be the credit card number. This was my mistake. I made two on line payments through XXXX XXXX  for purchases made. When I received my credit card from Synchrony Bank I realized my error and wrote a detailed letter to the bank explaining my error and asking that the {$110.00} payment from XX/XX/XXXX and a {$250.00} payment from XX/XX/XXXX be returned to me. I gave them my Sam 's Club account number to assist them track the payment. I also paid these sums when I received the credit statement not to be delinquent. I contacted the banks complaint division and talked to numerous managers over the past 8 months trying to resolve this issue. I contacted XXXX XXXX and had a three way conversation with Synchrony Bank, Representative 's from XXXX XXXX XXXX on line payment centeXXXX verifying that the payments where made and received/cashed by the bank. The Bank constantly had additional questions and when I requested thaXXXX XXXX XXXX ( who I made the payments through ) speak in my behalf ; this was denied. The last two conversations I had with Managers at Synchrony Bank said that they would ask that the money be returned to me immediately since it was taking too long to resolve and the second Manager ( when I did not hear anything concerning the return of my funds ) said that she found that the dollars where applied to the wrong account and she would correct this. That was 2-3 weeks ago. The account in question ends in XXXX as referenced in the banks letters constantly stating they are looking into it. I have made minimum 10 calls and everyone I talk to says they will requests the problem be taken care of but nothing is ever done. ( No one has the power to resolve the issue ) I am asking for your help. This has been going on for over 8 months and this bank owes me this money and I believe has treated me poorly.. They would be charging me 20 % interest if I had not made the additional payments which where not credited and I believe I have done everything within reason to resolve this and am being ignored by this institution. Please help me.
Product: Mortgage

REOPENING CLAIM XXXX I have received NOTHING IN WRITING from Pennymac despite promise to mail escrow documents and statement plus summary of the claim. The only information I have received is the attachment to the claim on the Consumer Finance website under my claim.

Pennymac is NOT doing what they promised. I have NEVER signed up for electronic documents. They keep sending me SPAM asking me to sign up for it, and I keep deleting without doing so.

What are my next steps? Do I have to refinance to get away from Pennymac 's failure to send me documentation as required by law?
Product: Credit card or prepaid card

XX/XX/2021, I registered for an event held by XXXX XXXX XXXX, paying via PayPal Credit, to take place in XXXX the same year. I contacted XXXX XXXX on XX/XX/2021 via formal email masking him aware I would not be attending the event. He ignored me on several occasions by not responding until he had his website page updated with No refunds. Even after I was told by the event Co-Hosts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX of XXXX XXXX  I would receive my {$400.00} refund. 
The dispute was originally placed on XX/XX/2021. The XXXX XXXX XXXX decided on my favor, then released the funds back to XXXXXXXX XXXX XXXXXXXX in XXXX. Im glad I screen captured the proof of the resolution centers judgement, because they have since removed the dispute and judgement from my dashboard. Ive disputed this issue with both companies, since 2021, with no resolution of receiving my valid refund for services not provided. 

Please assist me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry of my credit was performed on XX/XX/2022 by TD Auto Finance with a location listed as : XXXX XXXX XXXX XXXX, MI XXXX, phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits
Product: Credit reporting

I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired.
Product: Student loan

I submitted a SAVE application, but it's still being processed 55 days later ( at the time of writing ). Meanwhile, I'm still being charged interest while they placed me under an administrative forbearance. I keep getting emails that say my application is still being processed with no further details in regards to any application issues or any actions that are required from me. I have already submitted my recent pay stubs as proof of income. My loans are accruing hundreds of dollars of interest per month while they are having administrative issues with application processing. None of this seems fair or professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed and added remarks to three negative accounts with Experian and XXXX after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed. 

Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score. 

I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.
Product: Mortgage

2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?
Product: Debt collection

I have received a letter from Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC, XXXX, attempting to collect on an account for XXXX XXXX, XXXX that has been deemed closed through the investigation by a previous debt collector. The original collection account number has been changed to create, what appears to be a fraudulent collection account number, different from the original, however the said original account number of the supposed debtor remains the same. 

I disputed the debt in 2016 with a previous collector, who investigated the account and found the debtor account to be closed and " discontinued collection activity. '' At that time several collection agencies were attempting to collect on the same account claiming to represent XXXX XXXX, XXXX, with different collection account numbers. 

In disputing the debt, in writing, one of the agency 's zipcode was found not to exist by the U. S. Postal Service. 

Dynamic Recovery Solutions purports to represent XXXX XXXX and 12 other members of the " XXXX XXXX. '' I hold the letter from the agency that performed the investigation stating the results.
Product: Debt collection

This debt IQ Data international is not mine it was a result of identity theft and was resolved and taken off my credit report 4 years ago. I need this off my credit report because it will cause me financial distress
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$22000.00} XXXXXXXX XXXX XXXXXXXX Balance {$8800.00} XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$310.00}
Product: Checking or savings account

They emailed me saying we have decided to close your account, we no longer want to do business with you they also provided a date of closure they extended it three time until they finally decided to mail me out a check and the check they mailed didnt have the right amount of funds, I had {$4300.00} for my ending balance and they only mailed out a check with the balance of {$1000.00} dollars which was not my ending balance I called them multiple times ask for an explanation of why they didnt send me my actual balance they could they transfered me from department to department and no has a clue.
Product: Credit card or prepaid card

On XX/XX/XXXX my son paid upfront for a window ( XXXX dollars ) and a service ( XXXX dollars ) with my credit card. XXXX. 
I asked him to refund to money and cancel the window order and he did under 24 hours. 
The credit card company, American Express, added a second charge without me knowing and resolved the case with the merchant without me knowing. 
Only to find out months later that we were never getting a window. 
The merchant is unwilling to help and American Express will not agree that the fact is not window was ordered and the order was cancelled. i.e. XXXX dollars returned. 
I have refuted the claim numerous times and as a result cancelled my American express membership since XXXX, its appalling.
Product: Credit card or prepaid card

A fraudulent credit card was opened in my name in XXXX. I had no knowledge of this account until I seen XXXX XXXX XXXX on my credit report. I called XXXX and sent them Identity theft reports about capital one credit card being fraudulent. Ive been fighting this fraud amongst other from being in the XXXX  XXXX XXXX in XXXX my life has been a ton of fraud accounts including this one. I have completed a Federal Trade Comission report as well! Ive resolved this with XXXX and they also sent XX/XX/XXXX to Capital One documentation of there findings of facts and this account being fraudulent! I have filed dispute after dispute with capital one and they keep telling me there is no fraud on the account! The account ending in XXXX is hindering my ability to get other accounts and I pay my bills on time and have good credit. Capital One keeps telling me this account is not fraudulent when all my documents and police reports saying it is identity theft! Please help me resolve this haunting account. The account is stuck to my social security number and I need it to please be deleted so Im not looked at negatively anymore with the company and other lenders.