23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is with the Apple Card. Administered by Goldman Sachs. On XXXX XXXX, I attempted to make a payment in full on my balance. With all of my other credit cards, this has been posted almost immediately, and my credit limit has been adjusted. This is what I assumed, and was surprised to find out that the payment had not been applied. When I called them, they claimed that I had added a second bank account ( this is true ) and they were not familiar with that account so they were going to hold my payment until the XXXX. Surprised me because Ive never had any other credit card company care which account I paid from. I argued a little bit, and then on the XXXX, received an email saying that my payment had been reversed. So, on the XXXX, I paid from the original account I had set up. BTW they say payment due on the last day of the month. They had accepted payment from that account the first time I paid my card. ( Ive only had the card two months ) .again this payment was not applied toward my credit card. They say that they will apply it on XX/XX/XXXX. They say its because the other payment got reversed. Even though they reversed the payment. I feel that what they are doing is holding my money that has been withdrawn from my account for bogus reasons, and they are earning interest on it ( think of this multiplied by millions of users ). Theres no reason payments should not be posted immediately to my account if the money is in my bank account. I feel that this is illegal, actually. I think this is a very nefarious practice. And I see that its been happening to others when I google it on online. And this is a larger amount of money - the first held payment around XXXX ( then reversed ), the second held payment XXXX.
Product: Credit reporting or other personal consumer reports

FOUND AN INQUIRY ONB MY REPORT THAT I DON'T RECOGNIZE
Product: Payday loan, title loan, personal loan, or advance loan

Tesla provided a payment itemization that illustrates that if a partial payment is made on the XXXX payment it would re-amortize the payment schedule, now they are saying that it has to be done by XX/XX/2024 which is not my XXXX payment. This seems unfair and deceitful.
Product: Student loan

I submitted a claim in XXXX against Navient with the CFPB regarding a student loan defense to repayment on a private loan with XXXX XXXX XXXX XXXX Navient still has not made a decision on my claim. There is no reason this loan should not be fully discharged and all payments made on it refunded. The school in question was shut down by the DOE for fraud, Navient and it's predecessor company were in on the lending practices.

There should be no further delay to clear this loan. Navient has been aggressive, and withholding information about there even being a defense to payment program for private loans. I have spoken with the XXXX  advocate and it was suggested that I sue Navient into arbitration on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXr XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Product: Checking or savings account

XXXX dollars was fraudulently transferred out of the account into a XXXX account and I disputed it XXXX  they refused to give my money back for XXXX years in seeking redress for the theft and the fact that there is no one to call to dish about the theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a certified letter in the mail asking Experian to delete all inaccurate personal information reporting on my credit report including wrong addresses, incorrect spelling of names, etc. while they have a tab online to dispute this matter it doesnt work and just keeps spinning. It never takes you to the next page. This is done intentionally and has caused me significant damage in which Im seeking monetary compensation for the delay damages if this matter isnt resolved in the next 30 days.
Product: Credit reporting or other personal consumer reports

The lender, XXXX XXXX XXXX XXXX has not been reporting my credit report to Experian on a XXXX. I have had this credit card open and in good standing since XX/XX/XXXX. However, the lender has not reported this history. 
I contacted the lender on XX/XX/XXXX, spoke to XXXX XXXX, to express my concerns on the credit report not being reported and that would limit the number of credits I can borrow. 
On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX, he informed me they were aware of the problem and that it was an issue on Experian 's part. I contacted Experian to inquire about the situation, Experian informed me they had not received the report from the lender and therefore, can not report anything. 
On XX/XX/XXXX, I spoke to XXXX XXXX again, this time he informed that Experian was supposed to add the credit history to my account, unfortunately that has not happened. I asked XXXX XXXX to email me the steps they were taking to resolve this problem, unfortunately he never sent me that email. 
I am asking the CFPB to help me resolve this issue with lender as I have tried to resolve it myself for over 3 months to no XXXX. I believe the lender ; XXXX XXXX XXXX XXXX has acted in bad faith by not reporting my payments history. The lender has acted in bad faith because I have openly expressed my desire to refinance an auto loan that I currently have with them. The lender told me that the only way they would refinance the auto loan is if my credit score goes up, however there is no way my credit score would go up if they themselves refused to report my payments.
Product: Debt collection

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Pa, XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX  XXXX XXXX Dear Experian, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Experian regarding the following accounts on my credit report : XXXX XXXX XXXXXXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Experian has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name.

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Experian delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation.

I am requesting that Experian provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Experian. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( XXXX ) and Miller v. Equifax Information Services LLC ( XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Experian will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase on e-bay in the amount of {$32.00}. On or about XX/XX/XXXX I filed a written dispute with Capital One. I was given a credit for the full amount of {$32.00}. I heard nothing more from Capital One. On XX/XX/XXXX my account was rebilled for the {$32.00}. Federal law provides that the credit card company must resolve the dispute " within two billing cycles, but not more than 90 days from the date of the dispute ''. Rebilling my account on XX/XX/XXXX exceeds the 90 day provision in the law. Capital One is NOT permitted to rebill my account.
Product: Credit reporting or other personal consumer reports

The car was paid off in full with no late payments. I also have a 1099C to show that the debt was charged off and accepted by US Bank.
Product: Money transfer, virtual currency, or money service

On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. 


Coinbase has failed to restore my account balance in over 6 months of waiting. 

I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.
Product: Debt collection

I received two unsecured student loans from original creditor XXXX XXXX  in XXXX Minnesota, On XXXX XXXX for {$1500.00} and XXXX XXXX for $ XXXXThe original creditor XXXX XXXX was based in XXXX, Minnesota. This Bank went out of business a short period later. I was not notified, regarding the original creditor XXXX XXXX  closer. Moreover, this debt was discharged in bankruptcy court Chapter XXXX filed in XXXX. 

I never agreed or borrowed any monies from a Student Loan Finance Corporation, or Reunion Student Loan Finance Corporation. This illegal company started XX/XX/XXXX to call me and sending me letters, stating that, I own them student loans and they was going to report me to the three credit reporting agencies. The United States XXXX called me up to go to war for the country. I was XXXX in a XXXX XXXX for 3 years and could not dispute this claim. I returned back to the states in XXXX. This illegal finance corporation started to call and sending letter again. I was declared a XXXX veteran upon my returned from combat and need help get back to normal life style and still working on this to this day. None-the-less, this debt is not valid and should have been XXXX. The consumer XXXX XXXX   never notified me of the closer and never allowed me to close out any business with them, therefore the debt was voided and closed upon their closer. Please have this illegal company to Cease and Desist all illegal activity immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.
Product: Credit card or prepaid card

on XX/XX/2019 Chase sent me a letter that they are ending their relationship with me. They immediately closed the 3 cards I had with them and my checking account. No reason was stated and I called several times to resolve the issue with no resolution. I have been a chase customer for over 8 years and have always been a loyal customer never missing a payment.
Product: Credit card

Bank of America mailed me an offer advertising zero interest on credit card balance transfers. I called them at XXXX on XX/XX/2016 at XXXX EST and spoke on a recorded line with XXXX XXXX who stated she was in XXXX XXXX , Texas to inquire if they would do it for me. After running a quick credit check, I was told that I was eligible to receive a modest line of credit. I told them I was not interested in that offer and to " cancel my application '' and " I do n't want anything from Bank of America. '' At XXXX I was told " We will close the account. A letter will go out within 14 days. '' Within two weeks I received a credit card in the mail and a notice that a new account had been opened. BofA subsequently contacted me for feedback on their service. My responses were of the worst grade possible in the survey 's scale of answers. I have never heard again from BofA. 
It would be bad if BofA submitted anything pertaining to this matter to a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}
Product: Debt collection

X/XX/2017 XXXX XXXX XXXX sent a couple of bills to credit Credit management Company located at XXXX XXXX XXXX XXXX Pa XXXX ( XXXX ) XXXX. 
I disputed The debt collection due to XXXX XXXX never submitting claims to both of my medical insurance with XXXX XXXX and XXXX. They removed them from collections in XX/XX/XXXX and sent to be paid. Once again they sent straight to collections without even a phone call or letter for me to dispute or even set up a payment plan. I noticed it still shows the original date of collections filed XXXX XXXX/2017. But that was canceled and removed so the bills can be sent for processing. Once completed with the claims processing and payment to XXXX XXXX this would start over from XX/XX/XXXX as month 1. I contacted XXXX and once again claim it filed. I keep being advised from management co the original creditor have to remove from collections and was responsible to advise of the collection. I have not received anything from either parties after claims were submitted in XXXX 2017. 
Shows a balance of {$420.00} Re filed XXXX XXXX, 2017 not four months ago. This is a fraudulent charge
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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 secured credit cards with XXXX XXXX. After receiving a unsecured card from another credit provider I called XXXX XXXX and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. 
I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( Experian, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, XXXX, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by XXXX 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed XXXX about this matter, but they had not yet provided any response. I have opened disputes with XXXX out of the XXXX credit bureaus, Experian and XXXX. 

XXXX must send my current loan balances to the XXXX credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.
Product: Consumer Loan

I had a auto loan with Wells Fargo through my grandfather. I kept up with the payments steadily all the way up until last XXXX. I was laid off and not able to pay payments in time at the time I was almost {$5000.00} still owed and they tried to repo the vehicle. As of XXXX 2016 it 's {$2500.00} still owed and they are trying to repo my vehicle still. I have only {$2500.00} left and I will have the title. I paid over {$20000.00} it was not for nothing I hope. With out them having animosity or anything in this situation I believe they can afford to give me a chance to finish paying off less than {$3000.00} I 'm not asking for a miracle and I have paid it all off except for this small amount. If they take my vehicle I will be in more debt and with out transportation to make ends meet. What sense does that make? I have this loan since XXXX and this is the thanks for business I get? It 's not fair and something can definitely be done in this situation.