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

I have been a loyal and ( mostly ) satisfied Credit Karma user. A few months ago, I read that Credit Karma began a " guaranteed approval '' rating for credit cards. Basically, it says if I apply for that card, I will either be approved, or Credit Karma will pay me {$50.00} on a card.

I tried to read the fine print. All I could find ( and all I see now ) is a small popup with 6 paragraphs of vague language. It said that an applicant was eligible as long I " fully complete an application for this credit card offer ( including providing any documents required ) while signed in to your Credit Karma account, and be declined. '' It did not state that I was required to receive an instant decision. It also did not include a link for further terms and conditions. According to this small popup, I met all the qualifications. 

I applied for a XXXX XXXX card on XX/XX/2022, through the Credit Karma website. I provided all the requested information and submitted for approval. Within a minute, I received a reply that XXXX XXXX needed more information, and they would mail me in seven to fourteen business days. 

I waited two weeks for some correspondence, only to receive one letter from XXXX XXXX that my application was denied. They never requested any further documentation or information. I was under the impression that meant I was eligible. 

A month passed with no correspondence and no gift card. I e-mailed customer support to inquire. They informed me that my application was listed as " incomplete. '' Even though XXXX XXXX denied me, Credit Karma could slip out of the deal because XXXX XXXX mailed me instead of giving me an instant decision. Credit Karma customer support was unable to help me any further. Now I have an inquiry on my report and nothing to show for it. 

A short, vague summary of the rules is inadequate when the consequences can profoundly damage a person 's financial health. I am scrolling the website right now and STILL can not find any expanded information that could've warned me. I never would've applied if this rule was CLEARLY stated.You would think that considering the legal problems CK is having with their credit card offers and eligibility claims, they would be more transparent with the terms. 

This was a disappointing and frustrating situation.
Product: Credit reporting

I have been disputing a fraudulent reporting from XXXX XXXX to Transunion about a zombie debt that has fraudulent activity dates and the California status of limitations expired for the last 3 years but Transunion has not done a deep and effective investigation and keeps accepting reports on this invalid debt to this date. I am trying to dispute it, but I am being denied online access and they say the record has been disputed already and that I have to contact them through a P.O. BoxIs this never going to end? Is there a complacency from Transunion toward XXXX XXXX on this matter to let them post monthly updates on an invalid and fraudulent debt collection?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XX/XX/XXXX I was behind on my mortgage to Primelending and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XX/XX/XXXX, I submitted my payment in the amount of {$2500.00} ( late fees included ) to Primelending, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing Primelending to initiate the transaction soon after.
Today XX/XX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never  taken out. I immediately contacted Primelending customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XX/XX/XXXX. I still have yet to receive that letter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX
Product: Debt collection

I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.
Product: Debt collection

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXXXXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Product: Mortgage

Wells Fargo home mortgage predatory lending acts unfair and deceptive tactics to collect on mortgage loans and balances. 

Back in 2011 I applied for a modification too lower interest rate I was not behind on my payments at all wells fargo took it upon themselves too place a HUD second for a very large amount on my home which I would have been buying my house all over again. after paying the balance down a large amount, I had know idea of this. Documents have payoff instructions too send a large lump sum of my Equity to a XXXX XXXX XXXX XXXX  XXXX which is a third party collection agency which I've have never signed any agreements with or even heard of. 
Wells Fargo home mortgage is under financial fire with congress right now for these deceptive illegal tactics to collect on mortgage balances from consumers I'm asking for CFPB assistance too refund every XXXX that was taken from me. 
XXXX XXXX XXXX XXXX
Product: Bank account or service

I scheduled a payment through Bank Of America to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was boarded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.
Product: Mortgage

To Whom it May Concern ; I have been residing in my home since XXXX I paid my mortgage monthly on time for the first 7 years. On XXXX and XXXX of XXXX I paid the mortgage {$200.00} for each month short and Countrywide instead of allowing me to make a payment of {$100.00} extra each month, they instead created a 2 and half year loan modification for only {$400.00}!! And of course we know that Countrywide is now Bank of America. My loan is now showing to be 87 months late and a rolling 90 days late. And it is also showing that the mortgage should be paid in 44 years!!! I have attempted to work with Bank of America and it is to no avail. I had a loan modification done in XXXX and Bank of America took away 12 years worth of mortgage payments!! Bank of America reversed the mortgage back to 30 years!! I can not believe what Bank of America has done to my loan!! Bank of America has snowballed my loan to where now I am not able to refinance my loan with another company due to the history of the loan. I need for the CFPB to help me get this predator lender to get my loan to show that my mortgage should only be paid off in the next 10 years. Bank of America has grossly done very UNETHICAL processing in my loan by having returned my loan to 30 years when I had already paid the mortgage for 12 years. I understand that I have been in arrears however I have paid the mortgage under several programs. At this time the mortgage has been in a loan modification for {$360.00} dollars since last year. And Bank of America makes payment every 2 months!! I need my house, I like my house and and I want my house. Bank of America does not delve deep into a resolution with all of the account managers that are constantly revolving. I know that as a mortgagee I should be able to have a permanent account manager. Bank of America is not aware of the fact that I worked for Countrywide for 7 years and saw the unethical processing done to the mortgagee 's who were brought in from small mortgage companies. I need help in order to sit with Bank of America for approximately 2 hours in order for them to add up my mortgage payments and determine exact amount that I need to pay in order to get my mortgage paid off. I'm disgusted with my mortgage.
Product: Debt collection

In XXXX of 2017 someone in XXXX, fl opened a XXXX XXXX credit card using my ss #. They used to {$400.00} and never paid. The account was the bought by Midland funding who now says I owe {$830.00}. I do not nor have I ever lived in XXXX, fl. Both companies have the address, email and ip address of the person who did this. I have disputed both accounts to no avail. I have now filed a police report but for some reason can't attach. There own paperwork says that the card, pin # and statement were mailed to an address in XXXX, fl
Product: Credit reporting or other personal consumer reports

The following companies have errors on my credit report. My balances are incorrect and the credit amount are incorrect. 
The companies with incorrect reporting are as followed : XXXX XXXX XXXX  Report : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXXXXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Balance and Incorrect Credit Limit XXXX XXXX XXXX : Incorrect Credit Limit
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added XXXXIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO BEFORE YOU START THE INVESTIGATION BECAUSE WHEN THERE IS AN OPEN INVESTIGATION, WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS AFTER YOU HAVE COMPLETED THE INVESTIGATION. MY DISPUTE LETTER IS ATTACHED! MAIL ME AND MY DAUGHTER COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! THEN AFTER YOU START THE INVESTIGATION MAIL US A NEW FULL, PRINTED COPY! WE HAVE ALREADY MAILED AND FAXED COPIES OF THE ATTACHED DISPUTE LETTER ON XX/XX/20 AND XX/XX/20 BUT HAVE NOT RECEIVED A RESPONSE, UPDATE, NOTICE OF INVESTIGATE, NOTICE OF CHANGE, NOTHING! NO FEEDBACK WAS PROVIDED AS OF TODAY 'S DATE!
Product: Money transfer, virtual currency, or money service

I went to wells fargo on XX/XX/year> to make a domestic wire transfer of {$50000.00} to a XXXX XXXX XXXX account. I was given a print out of the transaction and told it would be sent out on Tuesday after the holiday. After a few weeks the money did not show up in the XXXX account. I asked about tracking and was given an XXXX  number. After a few more weeks the XXXX account holder said they found the money but returned it since wells fargo asked for it. It has been over a month and neither bank can find the money. XXXX says it was returned and should be back by now. WF says nothing has arrived. Where has the {$50000.00} gone? I can provide XXXX and other account info upon request.
Product: Checking or savings account

I receive XXXX XXXX which are meant for my essential living expenses. However, Chime withdrew funds from my XXXX  deposit to cover my SXXXX XXXX XXXX balance without my authorization. These funds are legally protected from garnishment or setoff under federal law ( 38 U.S.C. 5301 ). 

Chime did not provide a clear explanation or give me an option to prevent this transaction. This action has caused financial hardship by taking money intended for my well-being. I request an investigation into Chimes handling of protected funds and a refund of the amount improperly taken. 
Requested Resolution : Immediate refund of XXXX funds used to cover non-consensual deductions.

Assurance that Chime will not automatically apply protected benefits to overdrafts or XXXX balances in the future.

Review of Chimes policies to ensure compliance with consumer protection laws regarding federal benefits.
Product: Credit reporting or other personal consumer reports

Im Victim of identity theft from XXXX cards, I contacted the XXXX, XXXX, EQUIFAX XXXX and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Creditor agreed to have this account removed. There is no balance on this account
Product: Debt collection

Thank you for providing the contract between you and XXXX XXXX XXXX XXXX. Now please provide the contractual agreement between you and I stating that I owe you money. Also, as previously requested, please provide Licensure in the state of florida that predates XX/XX/XXXX. 

According to XXXX XXXX XXXXXXXX Hunter Warfield , INC is not licensed in the state of florida which makes it illegal to collect debt in the state of florida which is where I reside as well as where the company is located. If you believe other wise please provide proof that you are licensed and are able to legally collect debt in the state of florida. 

Hunter Warfield claims that a collection letter was sent out on XX/XX/XXXX ; please provide proof that the letter was sent as well as received by me. If you can not, please delete this account off of my credit report. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield , inc has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Were these disclosures sent as well? If so please provide proof that the disclosures were sent as well as received. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by Equifax, XXXX, and XXXX. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Product: Student loan

Greetings, I will keep it concise as possible. I 'm a XXXX from XXXX College based in XXXX, MA and Wells Fargo Education financial Services is XXXX of my private student loan lenders. I have been underemployed since graduation and they are aware of this though I have always maintained my payments until just recently where I am falling behind because of my multiple other loans, my gov't payments increasing, plus rising cost of basic living expense. I have tried for many years to either consolidate or refinance my loan with them but even despite a time when I had good credit and good payment history, they declined me because of my other student debt. Now I can accept if they are not willing to do that as they are a private company and its their discretion, however, as indicated on my attached statement, I strongly object to the XXXX monthly late fees I am being charged for struggling to make my payments which now add up to {$60.00} not including past fees. 

I feel something needs to be done. I have done everything I possibly can to keep up with payments, I still live with parents, sold my car for a cheaper XXXX, limit how much I eat and considering the interest I have paid WF total and the fact they have no refinance options for XXXX these fees are unacceptable and wrong.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$750.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, Which violates the consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud leaving my account vulnerable and unprotected. Was not able to dispute transactions and it was unfair.They did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations. This inconvenience has caused financial loss and I redress these violations.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau consistently allows American Express to report a fraudulent account to my credit. The account was the case of identity theft its also a business account for a company that I dont own.