23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am not in agreement with the AUTOMATIC PAYMENT option that Commenity offers to credit card holders. The description of their process on line is not exactly how they calculate it and they are not detailed enough with their explanation. The overall process they perform does not seem to follow their description of the feature and can actually hurt a credit card holder by withdrawing too much money from their bank account to cover the credit card balance, therefore, putting the person in an overdraft position. 

In XX/XX/2021, I signed up for the AUTOMATIC PAYMENTS feature offered to me as a card holder. My intention was to still use my bill payer at my bank to initiate payments and should the USPS not deliver my payment in time, I would be covered with the auto pay feature. My XX/XX/2021 statement had a new balance of {$230.00} due on XX/XX/2021. In XXXX I used my bill pay at my bank to pay the {$230.00}, which was applied to my credit card balance by the credit card company on XX/XX/2021. At this time I had satisfied my credit card balance due by XX/XX/2021. On XX/XX/2021, the credit card company withdrew {$90.00} from my bank account to pay the credit card balance. This means that I over paid my monthly credit card due to them pulling money from my account. 

When I inquired with Commenity about this issue they stated that by signing up for the AUTOMATIC PAYMENTS feature, I authorized them to withdraw up to the NEW BALANCE amount of {$230.00} to cover any balance on the credit card, not just the current credit card balance. The amount of {$90.00} that they withdrew was actually to cover future charges I made that were not billed yet on my monthly credit card statement. 

I do not feel the description of the automatic payment feature is truthful and feel it is misleading. The below are copies of the text in their website regarding the feature. 

Automatic payments let you authorize an ongoing deduction from your checking account to pay your My BJ 's Perks World Mastercard Credit Card Account on your Payment Due Date. You may schedule an automatic payment of your Minimum Due, My Balance or an Other Amount of your choice. When you do, you will receive an email reminder 10 days before the payment is withdrawn from your checking account. Then, on your Payment Due Date, your payment will be paid according to your chosen payment option -- -no stamps, no late payments, no worries. Go to Automatic Payments. Not signed in? Sign in now. 

My Balance will include the total of your regular revolving credit plan purchases, cash advances and past due amounts plus minimum payments due for any promotional plans. If you have a promotional plan, you may need to pay more than the minimum payment due to pay off the promotional plan balance during the promotional plan period to avoid additional finance charges. You may need to set up additional payments to ensure these promotional plans are paid off before the end of the promotional period. 

If your billing statement 's " New Balance '' is XXXX, no automatic My Balance payment will be withdrawn for that month.
Product: Mortgage

We received a Statement of Credit Denial. The date on the statement is XX/XX/year>. It specified Loan Number XXXX. 

We have not attempted to take out any loans whatsoever. This had the feel of a phishing attempt. When I contacted them, instead of being able to use the Loan Number to look up our records, they said they would need more personal information. 

The company 's agent was unable to explain why we would get a loan refusal when we never attempted to get a loan.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX OF XXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
TransUnion inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your response to my CFPB complaint in regards to XXXX XXXX  XXXX late payment ( s ). Complaint ID XXXX 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information Please provide evidence of your reasonable procedures that you used to come to such a conclusions that this information is verified. Who did you talk to? When did you talk to them? Give me the name of the person and telephone number you used and what address did you contact. How was the information I provided used in your investigation? Please provide ALL documentary evidence. Any creditor, lender that is furnishing my information to a consumer reporting agency must have signed disclosures on file from me giving them permission to report. Please provide me with a copy of all procedures use so I can start my administrative process.
Product: Debt collection

We were victims of identity theft where someone opened a fraudulent credit card consumers account with XXXX XXXX and charged other peoples credit cards under our business then had those funds routed through a bank account at Sun Trust Bank with  our name on it. We have already been released from liability from XXXX XXXX who issued the consumer credit card reader but Sun Trust Bank is still sending us collection letters. We have spoken to them many times over the past 3 months and each time the Fraud Department says they will get back to us and then they don't and still we are getting threatening letters saying they will turn us over to collections if the balance isn't paid. We sent them a certified letter on XX/XX/XXXX that we printed from the IdentityTheft.org website along with all supporting documents of the crime, including the local police department 's incident report.
Product: Debt collection

When my Account closed I owed {$55000.00}. This collections company contacted me saying I owe over {$81000.00}. I told them I could make payments for the {$55000.00} and the amount I could afford. They replied back saying they could only take the full amount or they would sue. They continue to contact me threatening that they are going to file paper in court and sue me. 

Today XX/XX/year> at XXXX they contacted my business and told my receptionist that they were going to file the lawsuit today unless I pay the full amount Today on XX/XX/year> at XXXX they contacted my Sister and told her that they needed to get in contact with me and gave her a case number. 

I sent them an email today informing them to cease and desist contacting 3rd parties. 

Here is the contact information for this company : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney at Law Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Dear XXXX, I am writing to you to lodge a formal complaint regarding my closed credit card account with your company. I am concerned that your company has violated consumer laws and codes of banking that are in place to protect consumers from credit card debt. 

As you are aware, I have been a loyal customer of XXXX for many years and have regularly used my credit card to make purchases. However, due to medical issues, I am currently not working and have been struggling to keep up with my credit card payments. I understand that I have an obligation to pay off my debts, but I believe that XXXX has been acting unfairly by imposing high interest rates on my closed credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxx, has violated my rights. 

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.
Product: Debt collection

I had a total of XXXX loaned to me by commenity bank. I paid them over XXXX back. Mainly due to their lack of not closing my account once I had it paid off and asked them to close it so interest didnt continue, their terrible communication, phone payment failure, online payment issues. Not only have I paid it back three fold, they harass me multiple times daily, have harassed my dad, mom, and even my brothers EX WIFE whom he has been separated from since 5 years ago, past employers etc. It is one thing for them to harass me when Ive already more then paid off my debt while in the middle of a pandemic and dealing with a XXXX scare and having to take care of my elderly grandmas, but to harass people who have NOTHING to do with the credit I have borrowed is a crime. I am XXXX XXXX XXXX and was an adult when I applied for credit with them. It is criminal how many calls I receive daily and people who are not me receive. My credit is completely destroyed and they are still harassing me. ENOUGH IS ENOUGH.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, Please be advised this is my SECOND WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you haven't stated who verified these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You have NOT provided me a copy of ANY original documentation required under the SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 



Thank you for your time, XXXX XXXX To Whom It May Concern, These accounts are reporting TWICE, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since despite this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 

Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 

Thank you for your attention to this matter. 

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

My Credit Score should be XXXX at TransUnion XXXX and XXXX. I feel I am by Discriminated against because I am XXXX American. I feel all three credit Reporting agencies are giving me low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.
Product: Credit card or prepaid card

Credit card number:XXXX Dear Wells Fargo Complaints Department XXXX On Wednesday XX/XX/XXXX, I called customer support line at XXXX and requested credit balance refunds from both of my credit cards : XXXX and XXXX XXXX. The refunds were processed and mailed on a Friday XX/XX/XXXX. On Monday XX/XX/XXXX I received a notification from usps through informed delivery that both checks would be delivered the same day. When I checked my mail I only found one check for {$220.00}, and {$610.00} check was missing. I waited two days and spoke to a XXXX who told me that they did not have any checks for me. Today ( XX/XX/XXXX ) at XXXX I called the same number and reported my check lost or stolen. The gentlemen on the phone told me he was going to put a stop payment on a check and either mail a new one or put a credit back on the account. I let him know that unless checks would be mailed with some sort of tracking I would prefer just a credit back on the account. He then told me that I could come to a Wellls Fargo Branch and request a cashiers check from the credit card balance. I arrived at XXXX XXXX and was connected with a banker XXXX XXXX. She let me know that they could not do a cashiers check and called credit cards services from a bank line. At that time the whole situation took a different turn : the agent and her supervisor ( XXXX ) were completely unhelpful. The lady accused me of lying of contacting the bank prior and XXXX refused to put a stop payment on a check or confirm that it was done, he refused to reverse any fees if I were to take a cash advance from MY OWN MONEY from the credit balance. I spent 2 hours just to get to nowhere. I do have screenshots of both mail envelopes with checks in them that I received on a Monday as a proof. I need my money back and I need it now, as a solution I am requesting either and ACH transfer to my own bank account or allowing me to a cash withdrawal of my own money without any fees. And I want to make sure that stop payment has been placed on a lost/stolen check. 
I also would like you to review my calls that were made to a call center today and all the notes. 

Thank you for your time, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reported identity theft to all credit bureaus and asked them to delete and block incorrect information, accounts, and inquiries. They refused and hung up on me many times when I asked them why. I was disrespected and yelled at by XXXX. I filed a FTC report and still fail to acknowledge the information being true as I proved that I was in XXXX  at the time.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email notification that my statement was available online. I was shocked to discover that I had exceeded my credit limit by approximate {$600.00}. 

On XX/XX/XXXX I reviewed my statement online and contacted Discover. To put this as succinctly as possible, there were a total of 17 transactions authorized beyond the credit limit. 

The first transaction exceeding the credit limit was on XX/XX/XXXX. Subsequently, an additional 16 transactions were authorized, including the final transaction pending on XX/XX/XXXX, the day I called in. 

Discover agreed not to charge an over limit fee, and also agreed they would not be charging an over limit fee in subsequent statements, under full knowledge that, if I only paid the minimum amount due, I would still be exceeding my credit limit by {$350.00} at the time of the discussion on XX/XX/XXXX. 

While it may be nice from a consumer standpoint, to not have been charged an over limit fee for a transaction that exceeds the credit limit, I find it incredibly excessive, and possibly abusive, that the company would continue to allow an addition 16 transactions to be authorized over the course of the next 3 weeks, resulting in a balance approximately {$600.00} above the credit limit. 

While I appreciate the company agreeing not to charge any over limit fee, I am concerned they may raise my interest rate, and perhaps more importantly, they have put me in a position of debt that I never had to be in. 

I feel that some type of penalty should be incurred for Discover 's practice in this matter. I fear that I may not be the only consumer dealing with this scenario, and I am filing this complaint to be proactive and make sure this practice does not continue.
Product: Credit card or prepaid card

I have an Apple card and savings account with Goldman Sacks, which had been restricted for unknown reasons for over a week. I had a missed call and left a voicemail from Goldman Sacks asking me to call back the number ( XXXX ) XXXX. After calling the number I was advised that I need to wait for the call back to verify my identity. It's been more than 1 week and still waiting for a call back to verify my Identity. Even after numerous chats and calls to Goldman Sacks, I was unable to unlock my card, and customer service reps stated there was nothing they can do and asked me to wait for a callback. I think it is unacceptable to lock my card and savings account and have customers wait for weeks for a callback and have no other option to un-restrict their cards. This is a bad practice on the part of Apple Card/Goldman Sacks . It is not fair to suspend customers ' cards and savings accounts and have them wait for a call back from a special department to handle suspected fraud, every major credit card issuer and bank deals with this kind of verification within 1 call. Dear cfpb please investigate the bad practice on Goldman Sacks part. There are numerous complaints on the web with the same complaints, people have to wait months to get a call back from Goldman Sacks in order to verify their identity. Please Investigate!
Product: Prepaid card

well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flagship credit acceptance XXXX Flagship credit acceptance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ; account U S DEPT OF ED/XXXX XXXX XXXX has violated my rights. 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.