23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

All of this is regarding a XXXX XXXX of XXXX issued by SunTrust. 

On XX/XX/XXXX, I attempted to mobile deposit the check into my XXXX XXXX checking account. On XX/XX/XXXX, I was informed by XXXX that SunTrust had rejected the deposit. I contacted XXXX XXXX  to ensure that there was no hold on the funds, then, on XX/XX/XXXX I attempted to mobile deposit the check into my SunTrust checking account. Again, XX/XX/XXXX, the deposit was reversed by SunTrust. I contacted SunTrust on XX/XX/XXXX and opened case XXXX for research as to why the deposit was reversed. On XX/XX/XXXX, I contacted SunTrust as to the results of the research and I was informed that the only thing they found was that " they thought '' that I entered the wrong amount when doing the mobile deposit. On XX/XX/XXXX, I physically deposited the check into my SunTrust checking account at a SunTrust branch in XXXX, XXXX Again on XX/XX/XXXX, I saw that the deposit was reversed. At this point, I still do not have the funds and, as I deposited the check at the local branch, I do not have the physical check.
Product: Credit reporting or other personal consumer reports

The FedLoan is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. This matter is incorrect. In XXXX of 2019, I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX XXXX  and had to have major XXXX. I qualified for the Income-Driven payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to FedLoan at the time of reporting.
Product: Bank account or service

On XXXX XXXX, 2015 I sold a large dog cage on Ebay for {$100.00}. The buyer was n't satisfied and so I attempted to refund his money. Something was wrong with my PayPal account, so I had to do it as a separate transaction. The amount was refunded on XXXX XXXX, and Ebay was informed of this. On XXXX XXXX, Ebay debited {$100.00} from my bank account stating that it was to refund the buyer who had not closed the dispute. I disputed this claim with Paypal, and without asking for evidence, they arbitrarily found that the transaction was correct. Ebay does not have an easy way to contact customer service in writing, and what I have written to Ebay has gone unanswered.
Product: Mortgage

Caliber Home Loans services our mortgage. We authorized XXXX, our bank, to send a monthly mortgage payment to Caliber Home Loans and we verified with XXXX that the payment was sent to arrive on the due date. On the due date we received an automated call from Caliber stating our payment was not received. Finally, two days later we were able to speak with a live human being at Caliber, who asked us if we needed debt counseling. We have paid our mortgage on time every time for the last 11 years. Why would we need a debt counselor? XXXX, the customer service rep, refused to allow us to speak with a supervisor and basically told us there was nothing he could do. How is this possible? Is there anything we can do to transfer our mortgage to another company?
Product: Credit reporting or other personal consumer reports

I submitted the documents that are attached and the credit bureaus said they verfiied it but only the courts do not verify information with credit bureaus even the XXXX ones like XXXX XXXX. Experian and XXXX said they verified this information which can not be true because the XXXX XXXX XXXX do not do this.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I initially set this up as to float me additional funds until I got paid. I've tried to cancel many times but there is no number and the directions show a way to cancel which doesn't work either. This is very deceptive.
Product: Student loan

On XXXX I reached out to EdFinancial Servicing to find out why my payments were suddenly {$570.00} per month. I was informed I Had been put into the SAVE program, which I did not authorize. I was informed by a representative that I could be moved into an income based plan where my payments would be around XXXX per month, which was fine. I was told it would take 31 days to move, but I would be fine before payments were required to start. I was read all the scripting for the changes that is required and agreed to this change. 

I followed up multiple times and was told this was in process. The changes NEVER HAPPENED. It took me calling in to find out the actual time frame was 45 business days and not 31 business days. I called back and requested a Supervisor to call me back, because this was unacceptable that my account was still showing this high amount ( that is NOT A SAVINGS!!! ). I was told I would recieve a call back within 24 hours. 

72 hours later on XX/XX/23, I finally received a call back from a Supervisor who informed me that all of the representatives I had talked to previously about my account had provided me incorrect information, and my change approval was never submitted correctly and was still in processing and in fact, could not be processed. I was told I had to resubmit all of the information all over again, and get a new update for a completely different amount - around XXXX which as nearly XXXX more than what I had previously been told. I was also told this change would take 19 MORE days on top of the 50 days I have already waited. In the meantime I am recieving late notices, delinquincy notices and my account shows a balance due. 

In addtiional, I requested letters detailing the incorect information, the correct information and a payment notice with the updated information, which I have not received. 

To date, it has been 11 days, there has been no follow up communication, no letters as requested, no updated payment information and no changes to my account. I previously submitted a complaint, but this change was worth a second complaint with updated information due to the gross negligence by EdFinancial Servicing. I should have been told that the previously agreed upon payment schedule was incorrect and not possible. 

In addition, the Supervisor I spoke with said that due to the payment pause during COVID, that I was not eligible for lower payments because of 3 years that no payments were due counted towards the timespan of a loan. I am being punished for payment pauses, which seems both illegal and incorect. The Supervisor on several occasions attempted to get me to consolidate my loan which would have made me ineligible for other benefits in the future. This seemed extremely focused on providing a service that he would get monetary compensation for instead of actually trying to solve my problem,
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Mastercard Credit Card has not reported to the Credit Bureau since XXXX XXXX. If a balance was due then, it still is showing 6 months later. This is not acceptable. 
I have been in touch with them several times and keep hearing it will be corrected. It has not been corrected. 

Credit is so important!!
Product: Credit card

Capitol One closed my account without warning or notice XX/XX/23. Payments were always on time and I always paid above the minimum payment. 
When trying to figure out what happened phone reps said I violated terms of service then in written correspondence when trying to get further information they said it was a business decision. This has negatively impacted my credit reporting. 
They will not change reporting or reopen account but they continue to send me letters and emails promoting I apply for new Capitol one credit cards.
Product: Debt collection

The company continues to contact my job to obtain information concerning my employment and collecting debt through my employer. They also have been using third party services to contact my employer.
Product: Credit card

I have a credit card called the Chase Freedom Card with JP Morgan chase. 

In XX/XX/year>, I was shocked to find out that my card had been used without my authorization on XXXX. I don't use XXXX 

The charges were : XX/XX/year> XXXX XXXX  {$210.00} XX/XX/year> XXXX  TRANSACTION FEE  XXXX XX/XX/year> XXXX XXXX {$17.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> XXXX XXXX  {$18.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> LATE FEE {$17.00} ( Related to fraud charges ) XX/XX/year> XXXX XXXX {$19.00} XX/XX/year> XXXX  TRANSACTION FEE {$0.00} XX/XX/year> LATE FEE {$40.00} ( Related to fraud ) XX/XX/year> PURCHASE INTEREST CHARGE {$1.00} I THEN RECEIVED ADJUSTMENTS ON ALL OF THESE PURCHASES. MADNESS. I WAS ROBBED. 

So I called chase card services. I got in touch with a fraud specialist, and they promptly helped me to remove the charges from my account. 

They recently tried to call me, but I was unable to pickup due to going through some marital problems and not having the time between personal family challenges and my demanding work. 

They closed the case automatically and put those charges back on my account. I did not make those purchase it was fraud. Period. I don't have access to a go daddy account. I am not getting any value. I was just robbed. I've been a customer for years with chase, and I don't think I've ever had to file this claim except for one other time in the past.
Product: Money transfers

On XXXX/XXXX/2015 I transferred {$650.00} dollars via MoneyGram to a recipient in XXXX. The intended recipient 's name is XXXX XXXX XXXX. He 's my uncle. The Reference Number for the transaction as appeared on the transfer receipt is XXXX. MoneyGram charged me a fee of {$14.00} for the transaction. 

When the intended recipient went to the bank in XXXX to receive the fee he was initially told the Reference Number was incorrect. He called me from XXXX and I confirmed for him that the number was indeed correct. Due to the time difference he could n't go back to the bank. When he went to the bank the following morning, he was told the money had been paid out to somebody else. He called me and I immediately notified MoneyGram. MoneyGram claims to be investigating this fraud, but they rather seem to be facilitating the fraud. I have called MoneyGram XXXX times. Each time MoneyGram Reps put me on hold for at least XXXX minutes and then they disconnect the call. This morning MoneyGram put me on hold, XXXX for XXXX minutes, and then for XXXX minutes. MoneyGram has taken absolutely no steps to investigate this matter. XXXX days after this fraud happened, MoneyGram does not have proof of payment. If that is not facilitating fraud, I do n't know what is. I believe that MoneyGram is stalling, hoping that I 'll go away. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX. My day time telephone number is XXXX. I need MoneyGram to refund to me without further delay the entire {$660.00} I paid to MoneyGram for the transaction. 
Thank you.. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in dispute letter to the XXXX XXXX XXXX XXXX XXXX, Equifax XXXX about inaccurate/unvalidated accounts I found on my credit report. Still 45 days later on XX/XX/XXXX I have yet to receive acknowledgement or a lawful action in my disputes. It has been over 30 days, and according FCRA these accounts should be deleted if not resolved within 30days And these 3 Bureaus ( XXXX XXXX  Equifax XXXX are in violation of following LAW Under 15 U.S Code 1681b Permissible purposes of consumer report ( 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 the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX XXXX XXXX, Equifax XXXX any written consent to report anything on my consumer report, No consent is identity theft.
Product: Debt collection

I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXXXXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with XXXX. the account number is different that all the rest. it is reporting as {$3200.00} GENESIS CRDT Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency GENESIS CRDT but on XXXX it says {$3200.00} GENESIS CREDIT MANAG Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency GENESIS CREDIT MANAG, then on XXXX it has a totally different name. It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. this is not correct. 
this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, I reported multiple times to have had issues with them and my issues were not resolved at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Checking or savings account

Chime banking let someone fraud my account XX/XX/XXXX at XXXX XXXX  and XXXX XXXX  for XXXX twice for merchant XXXX, I have been unable to get to my money back nor a credit to my account i dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements.

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. Unfortunately, I have been a victim of identity theft. I have identified several fraudulent accounts on my report. I have not been able to find housing because of this fraudulent reporting. Please remove from my credit report as soon as possible
Product: Credit card or prepaid card

Applied for XXXX credit card with Capital One and was met with an instant alternative approval situation. I have excellent credit with a high XXXX and XXXX above XXXX along with a current account that has been paid on time, all the time. And yet during the application process for the XXXX, Capital One decided to pull a bait and switch by declining the card I applied for with the new sign-up bonus ( {$200.00} on {$500.00} spend ) and instead offered the exact same XXXX card with the exact same terms minus the sign-up bonus. Not sure why exactly Capital One chooses to offer the exact same card minus the bonus but they should make the determination BEFORE doing hard pulls on all three credit bureaus for applicants. For customers that really want to do business with Capital One, this is a terrible way to obtain customers. If they let applicants know prior to completing the application that they are not eligible for the bonus, applicants can make the determination whether or not to proceed. But providing this choice to applicants after a hard pull of all 3 credit bureaus has been done seems intentional as they know most people will still accept the alternative offer given that the Capital One hard pull will remain on each of their credit reports with XXXX, XXXX, and XXXX for 2 years. CFPB please look into this terrible business practice by Capital One. Lenders such as XXXX XXXX provide a pop-up as part of a soft pull in the application process to alert applicants if theyre ineligible for sign-up bonuses. I believe these systems are in place to combat credit card churners but impact standard ( non-churn ) customers as well.
Product: Credit reporting or other personal consumer reports

XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Report Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX