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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

Several issues with Capital One that have largely been ignored. 

1. Transactions randomly don't go through. I submitted an initial {$300.00} payment to the XXXX for my bar application and it went through. When I submitted the supplementary {$600.00} payment to the Tennessee bar, it was declined as a fraudulent transaction. I received an email asking to confirm ; I confirmed. I received a text asking me to confirm ; I confirmed again. I was told to try the transaction again and that the hold was lifted. I tried the payment again but it didn't go through. I called in and was told they didn't know why this was happening and everything was fine on their end. I eventually had to use another debit card. This almost cost me my application for licensure. Another time, I tried to buy gift cards online. I tried six times. The website actually locked me from trying again. I called. Again, they say they don't know what's going on. It would be interesting to know what they do know. A list might be helpful here.

2. Payments don't go through. I sent a {$200.00} payment on XX/XX/XXXX from a bank account. Like every other payment, it resulted in an instant increase to my available credit. The next day, I sent an {$800.00} payment from the same bank account. My available credit did not change. I called in the next day. After asking over and over again, I was finally told that my funds would be released on the XXXX but were being held for verification. This is a payment coming from a bank account that has already been verified and has posted instantaneous payments as lately as the day before without issues. I asked if there's a numerical value that triggers verification and, of course, no answer. There's nothing they can do on their end. I was not told of this process beforehand ; neither was I told what amount I can send to avoid it in the future. 

3. Rewards don't pay out. I requested a {$10.00} XXXX gift card that was supposed to arrive within 2-3 weeks. That was a month ago. I requested the {$10.00} return to my rewards account rather than having to wait another 2-3 weeks for a card that may or may not arrive. I was told such a note was left on my account. A week later, I get an email saying another XXXX gift card has been sent out. This company is truly baffling. 

There have been other issues, without a doubt, but these are the three most recent. I have contacted Capital One several times through several media. I am either ignored or given a copy-paste response that often doesn't even apply to or address my concerns. I have had this card for less than three months. Without doubt, this is the worst credit card company I have ever even heard of. Capital One has several policies it never discloses or explains. Customers have no way of navigating them even after they spring up. We are given no guidance on what the policies might be beforehand or how to avoid certain, extra processes in the future. I will not be keeping this card beyond the 0 % APR promotional period and I deeply regret ever applying.
Product: Debt collection

Every week for the past 3 weeks, Capital One has called me on my mobile phone asking to speak to my ex-boyfriend ( who I am no longer in contact with ) regarding a " business matter ''. The first time they called ( XXXX/XXXX/16 ), I explained that I did n't know how to contact him and I asked them to remove my number from their list. They said they got my mobile number from an online database, and they would remove me. The second week ( XXXX/XXXX/16 XXXX, I talked to a different rep from Capital One named XXXX. Again, I told them to remove me from their list and asked why I had n't been removed yet. She said she was a new person assigned to his case and did n't know I had asked to be removed. I told them it was illegal for them to call me more than once after I asked them to stop calling me. They assured me I would be removed from their list and they would n't call again. Today, XXXX, I received yet another call from Capital One looking for my ex-boyfriend, this time from XXXX. I explained that this was the third time I was being contacted, and that it was illegal for them to continue to contact me. The rep said she was just assigned to his case and did n't see any notes about me asking to be removed from the list. I asked to speak to her manager. I spoke to XXXX and explained the situation. She also did not see any notes about me asking to be removed from their database. I told her they were in violation of the Debt Collection Practices Act and that I would be reporting Capital one to the Consumer Financial Protection Bureau. She said she would remove me from the list. I got a direct phone number to the supervisor 's line to use if I received any more calls.
Product: Debt collection

Midland Credit Management seems to have initiated a Pre-legal notification. I am disputing said information and would like for them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

an account for ally bank reports on my trasunion and XXXX I never opened account infact when I first became aware I sued the dealer..
Product: Credit reporting or other personal consumer reports

I am writing to formally address my dissatisfaction with the recent attempt to remove unknown inquiries from my credit file. 

These inquiries are concerning as they were not initiated or authorized by me, nor by anyone I have authorized to access my account. 

In response to this discovery, I promptly contacted your company 's customer service department to report the issue and request the removal of these unauthorized inquiries. While I appreciate the initial acknowledgment of my concern and the attempt to address it, I must express my disappointment with the outcome. 

The attempt made to remove the unknown inquiries has been ineffective, as these inquiries still remain on my account. This not only reflects poorly on the efficacy of your company 's procedures but also raises questions about the security measures in place to safeguard customer accounts. 

I trust that you will prioritize this matter and take the necessary steps to address it with the seriousness it warrants. Failure to do so may compel me to explore alternative courses of action to protect my rights and interests as a consumer. With this, I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is my second complaint and while I 'm usually not  one to co mplain this is getting a bit old waiting on  5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.
Product: Vehicle loan or lease

I previously opened an account with Santander Consumer USA to finance car with XXXX on XX/XX/XXXX. The car was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I had no record of late payments, unpaid payments or any negative impacts during my time with this company. I later exchanged my car in XX/XX/XXXX for a newer XXXXXXXX XXXX XXXX and the payout was completed through the companies ( XXXX and Santander USA ). I have had my XXXX XXXX rogue sport for 4 years now and Santander Consumer USA has reported that the last payment for the XXXX XXXX was not paid. I have asked for paperwork and/or some type of documentation showing that I owe after 4 going on 5 years. I never received any proof. I then asked them for a goodwill removal on XX/XX/XXXX and I did not receive any answer back. My final attempt was XX/XX/XXXX, where I sent a letter to Santander requesting for a removal and it is now way over there XXXX day period. I have also called Santander on numerous occasions and they were not helpful at all with trying to settle this issue and to have it removed from all 3 bureaus.
Product: Debt collection

In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal XXXX  against American Express ( Amex ) regarding an erroneous and unjustified decrease in my credit limit. This action has significantly impacted my credit score and financial stability. 

I have been a loyal Amex cardholder since XXXX, consistently making payments on time and maintaining a good credit history. Despite my responsible use of credit, Amex recently reduced my credit limit from {$25000.00} to {$4400.00} without any prior notice or valid explanation. The reason given by Amex was, " Based on your credit report, you are or were past due with another creditor ( s ). '' On XX/XX/XXXX, I contacted Amex customer service and spoke with XXXX XXXX in the credit division to address this issue. I informed XXXX that their decision to grossly reduce my credit limit was based on incorrect and invalid information. I have placed a dispute with the other creditor mentioned, and there is no past due balance with them. Furthermore, I have been an exceptional Amex customer without any derogatory infractions, and my Amex account is current and without a past due balance. 

This unexpected reduction in my credit limit has adversely affected my credit score, which in turn impacts my ability to obtain favorable credit terms in the future. I believe this action by Amex is unjust and not in accordance with fair credit practices. 

I request the CFPB 's assistance in investigating this matter and ensuring that Amex restores my original credit limit. Additionally, I seek assurance that my credit report will be corrected to reflect the accurate credit limit and that my credit score will be restored to its previous level. 

Attached to this letter are copies of relevant documents, including my recent credit card statements, credit report, and correspondence with Amex. I trust that the CFPB will handle this complaint with the seriousness it deserves and help resolve this issue promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an outstanding student loan with Navient. It is currently past due and I have explained to them although I acknowledge the debt I can not keep current at this time due to lack of income to cover this as well as mortgage and health insurance. I have told them repeatedly I will catch up as soon as I have more income coming in. They continue to call everyday. 5 robocalls so far today alone
Product: Mortgage

I have a foreclosure sale date for XXXX XXXX, 2015, My lender Wells Fargo Bank received myloan Modification package on XXXX XXXX, 2015. On XXXX/XXXX/2015 I called Wells Fargo about the status of my application because they had not contacted me. The representative stated they had received the package on XX/XX/XXXX, according to my fax submission sheet which clearly states XX/XX/XXXX and I have a fax receipt. Wells Fargo then requested another utility bill which was reoccurring monthly, they had previously received my light bill ( see attached ) Wells Fargo also requested a letter of explanation regarding my reimbursement expenses claim ( see attached ) they also requested that n/a be placed in the box which was missed on page XXXX. All of the requested items were sent to Wells Fargo, on XX/XX/XXXX, XXXX, & XX/XX/XXXX. Wells Fargo then called me back and requested information that was listed on the RMA, what I pay in gas, food, insurance etc. this is a direct violation of the court order of Class Representatives Motion to Enforce Settlement Agreement XXXX where the court ruled in favor of the Plaintiffs that Wells Fargo 's Income Screening is Inconsistent with HAMP and ordered them to stop said practice. I have never received a loan modification from Wells Fargo Bank, when I lost my job I was given a forbearance agreement where I paid a portion of my mortgage payment. Wells Fargo is not cooperating in my efforts to save my home in fact, they are requesting additional information that they already have or which is not germane in making a decision regarding my loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )
Product: Payday loan

XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I placed an order with Ginny 's. I had not ordered from them in two years but when I last placed any order, all of my orders were paid on time. I previously ordered XX/XX/2021 and was told that I needed to place the order under my account on XX/XX/2021. The representative told me that I still had credit and that the previous order was somehow not placed on my account. I re-ordered through her and hung up the phone. I checked again online with Ginny 's on XX/XX/2021 and it said to contact customer service. I asked to speak with a supervisor and spoke with XXXX. XXXX indicated that I do not have credit and I asked her " did I not pay off all my accounts on time with Ginny 's and your sister companies. '' and she said, " that's not the issue ''. I asked her " where are you getting this information from if it is not from my credit report? '' and she said, " we have analysts that receive information. '' She would not tell me where they receive information from if it is not from the credit report. While this question and answer was going on XXXX was extremely sarcastic. She finally stated, " In processing the order, we decided not to approve this order. '' She never once stated that they used my credit report or that the reason of denial is due to my credit freeze. Even then with a freeze, you are allowed by the creditor to unfreeze your credit so that a decision can be made. This is a baseless decision of Ginny 's. I am beginning to think that this is discrimination based on racism since the sister companies that I previously mentioned that I used were for XXXX people. I know for sure that they did not check my credit report as XXXX confirmed since I have a freeze on it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy. 
Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I disputed accounts on my credit report that are involved in litigation. TransUnion Equifax Experian are reporting accounts that are involved in litigation as though they are accurate on my credit report. By the FCRA laws states that accounts involved in litigation should not be on my credit report.