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

I sent in a billing error in accordance with title 12 CFR 1026.13b for 3 credit cards in the amounts of XXXX XXXX XXXX XX/XX/2023 And requested that the credit balance be sent credited to my account or refunded to be in accordance to title 12 CFR 1026.11 Navy federal keeps telling me there is no credit balance and I must pay and they will keep adding on interest even though there should be no adverse action
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : Also states a consumer reporting agency can not furnish a account without my written instructions. 

This consumer reporting agency is reporting this US Department of educationXXXX account on my credit report as paid of -40 %
Product: Credit card

I recently spoke with several representatives at Chase about both a personal credit card and a business credit card I had taken out with them and were currently under a debt consolidation agreement. I detailed that in the summer of 2019 I was becoming concerned about my growing debt ; on both cards I was being charged about $ XXXX {$300.00} each in interest payments. The best advice I was given was to just hang tight and keep making payments. I turned XXXX that summer, and I was trying to pick myself up by the bootstraps and start a new company, but that was proving much harder than anticipated, and I was very upfront very early on that I needed help, and that I was in too deep. 

When the pandemic happened, I had no way of carrying on business. The banks at that time were deferring payments, but they were still collecting interest. In the aftermath, I was able to convince some kind representatives to reverse some of the interest charged during the pandemic as I entered into debt management ; through a third-party agency for my personal card and through the bank itself for the business card. 

The most recent calls I made for help were made purely out of desperation. I was taught to pay my bills on time, to build a relationship with a bank, to trust that they had my interest in mind. I learned that in the case of Chase, that is a fairytale from another time. I detailed to several representatives, sometimes choking back tears and sometimes crying outright, that I've had to put myself in positions and do things for money that made me unsafe, just so that I could pay back what is now a balance made up of XXXX  of dollars of interest. I explained that I had called for help several times in 2019, but not one person recommended debt consolidation as a remedy. In one recent call a customer service representative said she was so sorry to hear my story, and that she would make sure that it would get taken care of. She transferred me to another representative to take care of it, but that representative said I'd been misinformed and that she would not be reassessing interest. In another call, at my wit 's end, I asked an account supervisor if it was the bank 's position to profit from the misfortune of customers, to squeeze every dollar out of them they could? They responded " Yes. Honestly, it is. '' The situation was escalated in another call, and I received back a short letter last week saying that the interest had been charged correctly and that there was no further action being taken on the account. The bank 's line seems to be that there's nothing to be done because it was all charged so long ago, but when I asked for help years ago there was no remedy offered. I could never win. I am now in my XXXX, one of countless people desperately trying to make ends meet, working gig after gig after gig to make up rent that soars higher by the year, and trying to pay back the interest charged on food from five years ago. There is a cruelty that was admitted to by that last representative : This is what the bank 's position is. The house always wins.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. in XXXX Illinois keeps reporting this account to the credit bureau. It has been removed once and has now reappeared on my credit bureau. Please remove this from the bureau. 

This is a medical bill that they collected the co-pay for and informed me that the XXXX was covered by my insurance. Now they are coming back trying to collect an additional XXXX. 

I do not owe this amount.
Product: Credit card or prepaid card

My business debit card was used fraudulently several times on XX/XX/2019. Twelve points of sale transactions were made back to back from XXXX XXXX IL in amounts between {$85.00} and {$110.00}. ATM cash withdrawals of {$500.00} and {$300.00} were made from what I believe to be the location of XXXX XXXX. The possible transaction numbers were XXXX & XXXX. 
No stops were placed on the account during this time. The fraudulent activity contact number is only available Monday- Friday. I called Monday morning to report the issue. The account was originally credited the amount after over a week without access to funds. 
The claim was then denied based on inconsistencies during the interview process which occurred over the phone and that no error occurred. Date of denial was XX/XX/2019. My claim did not change. Everything I told the representative was that my card/information was stolen and that I did not authorize any of the transactions which were identified upon reporting the original claim. 
The bottom of the denial notification letter stated that I ... have the right to request a copy of any documents that were used in decisioning your claim. I reached out to the bank on several occasions to try and better understand the meaning of this denial. Each time met with faulty information and false assurances that more information would be sent via paper mail. I have yet to receive any documents which they claim to have used to decide the outcome. 
I filed a rebuttal. Listing the same information/facts as I knew them. Date of submission was XX/XX/2019. The rebuttal was met with the same results and lack of clarification/information. 
It became apparent that the decision to deny this claim came down to one person. That person apparently has no accountability, can not be questioned/contacted, and is not required to provide information/clarification of their decision. Feels like the bank is taking advantage and is NOT there to protect my interests and account security/well being.
Product: Mortgage

Shellpoint responded with all the payments I paid. But, said it didn't matter when I paid my payments. I had to be charged the full 30 days of interest. I wanted to ask for your help to confirm if that is true. Why did they send me information to do biweekly if my loan is not eligible? 

I came to this site for help. To tell me if they are being legit or not. 

I want them to show me where they applied my payments to save on interest. 

Please let me know if you can help with loan terminology. 

I have never went through anything like this before. If I'm better off paying once a month? 

Thank you for any information you can provide. 
XXXX XXXX
Product: Student loan

I filed XXXX  XXXX XXXX in 2014, included Sallie Mae student loans ( Notice to Creditors Certification attached ). 

I requested an Adversary Proceeding due to student loans causing undue hardship. Sallie Mae was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get Sallie Mae, Navient and now XXXX to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
Product: Credit reporting or other personal consumer reports

i sent in a police report about these inquiries on my file and they refuse to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Checking or savings account

Hello i had a large amount desposited into my Charles Schwab account back in XXXX and after I payed a bill in advanced they locked my account the next day since then Ive been trying too get in contact with them but no success on my end. Ive Called and called emailed letters but no response. Im willing too give them any information regarding my account so I can access my money this is very frustrurating and problem causing, That was my savings money so I can pay bills coming up is rent and im really stressing! Please help!
Product: Debt collection

This number calls from varius different numbers, but yesterday they called from a caller ID identifying them as " Comenity Bank ''. I provided my information reluctantly since they said I had to verify myself to gain information. 

I provided my current information, and then was informed that they were calling from Comenity Bank, and that previously charged off debt that I PAID, was returned back to Comenity Bank for XXXX and XXXX credit card, Express Credit Card with past due balances. I asked them for the date of last activity, they said XXXX, and that it was still in the reporting period. I then informed them that I paid all my past due debts and I owe no one. In addition to, I asked them to send me correspondence of the alleged debt, but was informed that they could not send me correspondence and that if I do not hear back from them in 10 days to call them back. 

I feel that this is fraud for a couple of reasons : Past due obligations to Comenity Bank for the above referenced accounts were paid and settled with Comenity directly in XXXX, and Comenity has verified that I do not owe them any past due balances. 

Additionally, when I asked the debt collector to send me correspondence to my current provided information that they took from me on the call during this conversation, the agent said she could not send me any paperwork. 

This is not in accordance with fair debt collection practices, and I feel that whomever this company is, is either committing identity theft ( since they stole my information ) and falsely stating that they are organically Comenity bank and not a third party debt collector, and they refused to send me paperwork after I asked.
Product: Credit card

Chase Bank is reporting a negative charge off account on my credit report. I have never owned this account and I am not sure why it is on my credit report. I tried disputing this debt with the credit bureaus and I have not seen results. Please look into this account. 
I look forward to hearing back from you.
Product: Checking or savings account

I applied and was approved to open my account online with XXXX on XX/XX/2021. I received an email confirmation and I proceeded to setup my paycheck to direct deposit into my new account with this bank. Then on XX/XX/2021 I noticed I was no longer able to login to my account. I called their customer service the following day and was informed that they had closed my account due to business reasons and they could not tell me any further details about why they closed my account. They said they are mailing me a letter with an explanation. This is an unacceptable way to treat people.
Product: Mortgage

Loan Number XXXX Property Address XXXX XXXX XXXX XXXX, XXXX XXXX, WV XXXX NationStar : XXXX Starting XX/XX/XXXX, I established up a bimonthly payment process to maximize my payments against the interest for the year for a secondary property. The XX/XX/XXXX payment was not processed correctly because, according to Nationstar Mortgage LLC a subservicer for XXXX, their systems aren't able to process bimonthly payments. I have a mortgage with XXXX XXXX for a primary residence and not having an issue with them. 

This is what happened with Nationstar : My initial payment transmitted on XX/XX/XXXX electronically. Because it was a half payment, Nationstar applied it to XX/XX/XXXX as a principal payment. Because Nationstar processed it as a XX/XX/XXXX payment, I started receiving phone calls from Nationstar, even though the grace period through the XXXX of the month, hadn't passed, advising me that I was delinquent. On XX/XX/XXXX, I received a letter stating that I was delinquent for the month of XXXX. On XX/XX/XXXX, the second part of my payment was processed for the XX/XX/XXXX payment. On XX/XX/XXXX, Nationstar generated a letter stating that I was assessed a {$15.00} late fee on my account, my account was delinquent and placed the 2nd part of my payment in an unapplied accounts fund. 

On XX/XX/XXXX, I contacted Nationstar, they advised me that their systems can't accommodate bimonthly payments. They had to move the 1st part of the XXXX payment that they applied to XX/XX/XXXX to the XX/XX/XXXX payment and removed the {$15.00} late fee. They advised that I should pay more each month to accomplish what I am attempting to accomplish to save on interest since their systems can't accommodate. 

Because Nationstar can't accommodate bimonthly payments, they aren't depositing funds into my account when processed to prevent further accrual of interest against the principal on my accounts ; therefore, penalizing the customer for system issues that they can't support. 

I attempted to escalate to the XXXX Executive Team, but was transferred back to Nationstar Executive Team. I am requesting that XXXX XXXX XXXX XXXX, Nationstar Mortgage LLC, XXXX TX be investigated for their payment processing practices. The loan papers do not indicate that bimonthly payments can not be processed and that full payments are expected or funds will be put into an unapplied accounts fund. 

I can supply copies of correspondence if it helps in the research.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.
Product: Credit card or prepaid card

I ended up with 3 seperate transactions on my Bank of America Prepaid Unemployment Debit card.

I did not authorize on my government prepaid unemployment card. The card was immediately blocked. Ever since I have not been mailed a new card and have been told that I won't get one until I speak to the risk department which doesn't answer the phone!. I have waited on hold for 2 hours 3 days in a row now. Once the 2 hours hits the phone automatically hangs up on me!! This is my unemployment money ... My only source of income! And I can't touch my money right now or pay my bills!. 
The charges were by Your XXXX XXXX. I have never heard of this company. It is video games of some sort. I have called this company and left messages saying these were not authorized purchases! I haven't heard anything back!! 
I am at my wits end!! I need to pay my bills so my utilities don't get shut off!! 
Please Help!! 

Thank you!! 

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

XXXX XXXX XXXX, account number : 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: Credit reporting, credit repair services, or other personal consumer reports

I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from XXXX XXXX XXXX XXXX at the very end of XXXX that my mortgage was being sold. to another company, Special Loan Service Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXX Bank for over 20 plus years then all of sudden it was sold to XXXX I believe in XX/XX/2022. Then in XXXX XXXX is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.
Product: Payday loan, title loan, or personal loan

This is about unsolicited calls from First Cash Advance, the calls are daily, the phone numbers they come from change each time, I continually block the numbers and they just use a new one. 

I have requested they leave me alone, I have never and will never do business with them but they wo n't stop. I keep reporting it to you but still have n't gotten anywhere. 

This call came from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to XXXX and Transunion have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

XXXX  XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Product: Credit reporting or other personal consumer reports

The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXX XXXXXXXX XXXX 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry From CoreLogic/ Credco on my credit file. I never gave permission for them to do a hard pull of my credit. I do not know this company nor any company they are affiliated with. I have attempted on multiple occasions to correct this incorrect information with Credco but they are only responsive on a form letter/automated response basis. They are claiming that they are not responsible for the inquiry yet it shows their identical information on my report. I am preparing to file a defamation of character lawsuit against them here in California and would like it to be known that they are fraudulently accessing and damaging consumer credit files.
Product: Credit card

Hi, I applied for a XXXX  XXXX  amex card on XX/XX/2024. I have made almost {$10000.00} in purchases since applying and im being denied the XXXX membership reward point bonus on grounds that tax payments do not count towards spend. I have overlooked the terms and conditions for excluded charges and found nothing that excludes TAX PAYMENTS therefore per terms and conditions I have properly met the spending requirement and fulfilled my end for this bonus. On top of that is was informed by multiple representatives from the company that tax payments do in fact count towards spend bonuses.