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

When I log into Trans Union and pull my credit report it shows that I have an account with Adverse Information ( XXXX XXXX ). I have filed several disputes and they always send me a copy of a credit report that does not match the report I see on-line on their website. 

The report they mail me shows XXXX XXXX in good standing and closed. Unfortunately the information on the website is what is being shared with XXXX, my banking institutions etc. They all show TransUnion reporting me having an account with adverse information ( again, I have no negative reports from any creditor ). This is impacting my ability to obtain the best credit rates. 

I am asking that the TransUnion website be corrected to reflect ALL accounts in good standing ( like the reports they keep mailing to me ). Why do the two reports not match? The website is reporting false and inaccurate data. Please do not mail me another report without fixing the the website. The credit report I print from the TransUnion website is my issue. I have emailed several copies of these reports showing XXXX XXXX listed as an account with adverse information, but there is never any mention of them.
Product: Mortgage

My homeowner 's insurance premium is included with my monthly mortgage payment. The servicer has not paid the annual premium for the last 2 years. XXXX XXXX has records that the annual premium notice was sent 30 days prior to the renewal due date. The servicer lets the insurance cancel then the servicer adds force-placed insurance and makes me pay the premium. In the meantime I spend hours on the phone trying to get this straight. The money to pay the premium is in escrow. My premium is {$710.00} a year. The force placed insurance is {$80.00} a month and once the XXXX XXXX premium is paid there is no refund for the force placed insurance. 
Alabama Housing Finance Authorities DBA as XXXX. Address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX Phone XXXX
Product: Credit card or prepaid card

I paid off my Macy 's credit card balance of {$310.00} by the due date in XXXX and should have a balance of {$0.00}. Macy 's sent me a statement with a balance of {$3.00} due by XX/XX/XXXX for Interest Charges. I should have no interest charge for a {$0.00} balance. Macy 's has done this before when I have paid off previous balances and I have had to call and get it removed " as a one-time courtesy. '' Macy 's should not be allowed to charge interest on any balance that was paid off on time. This practice is illegal and I would like the {$3.00} interest charge removed and my balance returned to {$0.00}.
Product: Credit card or prepaid card

Based on my claim history i was issued a payment on XX/XX/2020 for XXXX but i never got my card i was trying to request a new one but until nowi have no response why my account was frozen even though i provided my ID to the XXXX. I keep on getting paper checks but i have XXXX  XXXX  so i can not cash the checks
Product: Payday loan, title loan, or personal loan

This happened on XX/XX/2020. Earnin took XXXX dollars out my account and I did not have the money in my bank account which it made it become over drawn and they are refusing to let me cash out the XXXX dollars to make my account good again.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I retired from the XXXX at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

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

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX XXXX {$1700.00}
Product: Debt collection

XX/XX/XXXX I sent Portfolio Recovery Associates LLC this letter via certified mail so I know they received it. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ATTN : DISPUTES Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Account # : XXXX Last 4 of SSN : XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to your offer letter dated XX/XX/XXXX for a debt settlement regarding Account # XXXX. I have been unemployed for XXXX  years and am in the process of waiting for my XXXX to be approved. Therefore, due to my financial circumstance as a result of unforseen complex and chronic XXXX  issues, I can not pay the amount offered in your letter. Despite this, I would like to come to an agreement with an arrangement allowing me to move on from the outstanding balance. 

I can offer a single payment of {$150.00} to settle the debt. I do not get paid monthly, and I do not have a steady income whatsoever. This is firmly the only amount I can pay. I reiterate that I am unable to agree to sign up for a payment plan as I do not have the promise of an income to pay you monthly. 

Once you accept the offer and process my payment, you will agree not only to report the account paid to all three credit reporting bureaus, including XXXX, XXXX, and XXXX, but also to request the credit bureaus delete the account as a whole from my credit report immediately after the payment has been posted that resolves this account. 

If you agree to my proposed offer, please send a letter of acceptance to me. When I receive the debt settlement agreement, I will forward my payment immediately for the agreed amount electronically. 

Thank you in anticipation. 

Best Regards, XXXX XXXX '' As of XX/XX/XXXX Instead of sending me a letter in return so that I can settle my debt or know where I stand, they continue to send me letters with payment plans and call me every day XXXX times a day. They have called me from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and I have explained multiple times I am XXXX and can not communicate over the phone. They have resorted to continuously harassing me despite me clearly stating that written communication is best. They also have continued to discriminate against me and my XXXX by ignoring my letters and not verifying the debt.
Product: Checking or savings account

I need to be taken out of XXXX because there is inaccurate information reporting. The inaccurate information reporting is keeping me from opening a checking and savings account.
Product: Checking or savings account

On approximately XX/XX/19 I opened up a checking account at MoneyLion under their " Pave the Wage '' promotion. The terms of this promotion are here : https : //get.moneylion.com/pavethewageterms/ After I opened the account, I " opted in '' to the promotion on their app by moving the button to the right on the pop up screen that asked if I wanted to " opt in ''. ( I actually opted in to the promotion on the app 3 times!. In retrospect I believe that their app was not functioning and did not record me as opting in ). 


I complied with all the rules of the promotion by sending my payroll direct deposit to MoneyLion for over 90 days. 


Since I, in good faith, complied with all of the terms of the promotion, I was expecting a bonus in the amount of {$270.00} ( 17 % of my initial qualifying direct deposit of {$1500.00} ). 


In short, I complied with all of the terms and opted in appropriately. I should not be excluded because MoneyLion 's software was not functioning properly. 


I called MoneyLion on XX/XX/19 and they are representing to me that I did not " opt-in '' to this promotion and I'm not on the " list '' to receive the bonus. 


I complied with all of the terms of this promotion and, in good faith, opted in ( several times! )
Product: Student loan

I graduated from XXXX at the University XXXX in XXXX, after finishing XXXX at the University XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, addresses and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit card or prepaid card

At some point in either late XXXX or early XXXX, XXXX charges were made on my Visa card. I notified Capital One and they removed the charges, froze my account, and sent me a new card. Within 2 or 3 weeks, I was notified by the same vendor, XXXX   that I had a new purchase on my card. I contacted Capital One again and they did the same. I am asking to have this company blocked from my account, but they do not do that. I froze my account and have been using their service to scramble the account number and the 3-digit code used to buy online products. I received another notice from XXXX today and they had just credited my account for the last charge. This was with the scrambled number and after I froze my account, which I was assured by Capital One would stop ALL charges from going through. I am lost as to what to do with this situation. I do not want to close my account with Capital One, but would love some help with stopping XXXX  from making these fraudulent charges. I do not now, nor have I ever, done business with such a company. I am very careful online and live carefully. None of my other accounts have had this issue. I would love to know how to stop XXXX. They are not available for phone, email or any other contact to me. I am XXXX years old and do not know where else to turn.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULENT inquires ON MY ACCOUNT IVE FILED A FTC REPORT. FTC Report Number XXXX THESE ARE HIGHLY AFFECTING MY CHANCES AT NEW CREDIT PLEASE REMOVE ASAP UNDER 15 USCODE 1681c-2- BLOCKING OF INFORMATION RESULTING FROM IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> FAILURE TO REMOVE THESE FRAUDULENT ITEMS WILL RESULT IN ME SEEKING CILVIL LIABILITY UNDER 15 US CODE 1681n cilvil liability for non compliance
Product: Debt collection

Please note that none of the above selections match this complaint. 

When I dropped XXXX ( no contract ) for XXXX on XXXX XXXX, 2016, XXXX XXXX XXXX XXXX billed my XXXX XXXX card for a full month of service, through XXXX XXXX, 2016, during which time I only received 5 days of service. I complained to XXXX XXXX XXXX XXXX and they refused to listen to me. I disputed the charge with XXXX XXXX XXXX XXXX XXXX. XXXX contacted XXXX XXXX XXXX but XXXX XXXX XXXX ignored the request to validate their charge and XXXX subsequently credited me back the entire month payment, {$94.00}. 

I called XXXX XXXX XXXX and asked for my XXXX most recent bills, which they sent, with a new payment due date of XXXX XXXX, 2016. On XXXX XXXX I received the first of several debt collection phone calls. Also on XXXX XXXX, I sent XXXX XXXX XXXX a check for {$15.00}, the pro-rated amount for the 5 days of service I received during XXXX 2016. 

I did not receive a letter from the debt collector until XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ). This letter was late ( more than 30 days from the first call, from Prince-Parker Associates, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ) and did not contain the required statements regarding notification that I have 30 days to dispute the validity of the debt or it will be considered valid and that I have 30 days to notify the debt collector, in writing, that I dispute the charges. I understand that all of these omissions are unlawful and are subject to a fine of {$1000.00}. 

I request the debt collector be fined and notified according to the law that they must cease and desist their collection activities. Their letter follows : " Date : XXXX XXXX, 2016 XXXX Total Due : {$79.00} XXXX Creditor XXXX XXXX Hours : M-Th XXXX XXXX Client Account No : XXXX Account No : XXXX Friday XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Name and address redacted The above noted account is seriously past due. 

Please submit payment immediately. Send your check or money order to the address above or if you prefer to use a major credit card, fill out and return the top of this letter, visit the below website or call our office for details. 

This letter is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Sincerely, COLLECTIONS DEPT. 
PRINCE-PARKER ~ASSOCIATES, INC. 

PAY ONLINE AT PayPrinceParker.com Account No : XXXX PIN : XXXX NOTICE : SEE REVERSE SIDE FOR IMPORTANT INFORMATION XXXX XXXX XXXX XXXX, NC XXXX The reverse side of this letter only provides their hours of operation. 

On XXXX XXXX, 2016 I sent Prince-Parker a certified mail letter notifying them that the debt is invalid, XXXX XXXX XXXX was paid in full for services provided, and disputing the debt.
Product: Checking or savings account

Im writing to make a complaint against Navy Federal credit union about overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged additional fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances despite initially available funds. I believe that these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/2018 XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/2018 I contacted this company but they did not respond and wrote a letter again no respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX  still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud UPGRADEINC account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXXXXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A Capital One business account is being recently reported on my personal credit report in my personal name that I am unaware of that the credit bureau stated is reporting as of XX/XX/year> but opened 1 year ago XX/XX/year> without any details or information. I have not opened, provided my social, and I do not have any XXXX Accounts with Capital One.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : Comenity Bank / XXXX Date opened XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans are with Nelnet, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, Nelnet restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. Nelnet claims that they sent me an inbox message in my Nelnet account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from Nelnet to my listed email, but this time nothing. It is my suspicion that Nelnet was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the 6, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX remove an unverified account that has been placed on my credit report from National Credit Systems. I have no agreement with National Credit Systems and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Product: Credit card

I received a credit card offer in the mail from Fidelity, in XX/XX/XXXX, for their credit card Fidelity rewards Visa signature card. The offer stated the credit card had 0 % on purchases and {$150.00} cashback when I spent {$1000.00} in 3 months.I applied for this credit card and was approved by XXXX. 
I sent Fidelity photocopy of this offer twice, but have not been successful in convincing them to apply this offer to my credit card.
Product: Credit card

I received a XXXX percent interest offer from American Express for 15 months. My son, XXXX had been working on paying down a high interest credit card, so I offered to open this American Express account for him to transfer his balance into and pay off sooner. 

We applied, we received the card and he transferred his balance. Then he found that he was paying XXXX percent interest. When I called American Express, they informed me that I did not qualify for the XXXX percent offer. They opened an account with the XXXX percent offer application at XXXX percent. 
What a shake down. 

How is this legal? I want to see my signature on something that says I agreed to a XXXX percent card. 

Thank you, XXXX XXXX