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

Issues re : Comenity J Crew Credit Card -does not allow for recurring auto-pay -has a website that is not user friendly so that it is difficult to see whether a payment has gone through -charges exorbitant late fees -continues to send letters and information to the account holder even when the account has been closed. 

It took me a while to figure out that this company is the only credit card company that does not allow for recurring auto-payments. This is just another way for a large company to squeeze extra money out of unknowing consumers. I am very responsible with my cards and make sure every payment goes in on time. Somehow, despite going into my online account every month to submit manual payments, though, some months did not seem to go through and then I'd be hit with the late fee and a financing charge. There are many additional complaints about these kinds of issues that corroborate this report. I closed the account on XX/XX/XXXX of 2019 because of their unethical business practices around payment submission and late fees, and I just today received a new notice that the account now will assess even higher late fees. My account is closed and I want no further contact from this corrupt company.
Product: Credit reporting or other personal consumer reports

NelNet is the current servicer for my federal student loans. These federal student loans have not been actively collected on in over a year and are over XXXX XXXX XXXX. On or about early XX/XX/2023, I received a 1099-C, canceling the debt. Thus Nelnet should not be continue to report these student loans on my credit report and should update my account and credit report immediately to reflect the debt being canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/charge off in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has in fact been paid in full and needs to report a {$0.00} balance and not be reporting as a collection/charge off. I have attached a copy of the letter showing this account has been paid. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/charge off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

I have a large amoun of small student loans over the course of years. XXXX degrees and XXXX degrees. I do take responsibility and pay my student loan. I consolidated to my knowledge my student loans under a navient servicing center that consolidated all of my loans. Little to my knowledge did i know the company could not consolidate a spousal smart consolidated loan with your DL 's. All loans were consolidated under 1 payment which is {$600.00} dollars monthly. My payments were only going to my DL and my Federal loans were getting nothing paid on them for over 8 months. Unto my knowledge I have now gotten my loans unconsolidated from a 4.75 % to a 6 % higher interest rate and all of the {$600.00} ive paid for over 8 months. I am unsure where the credit is. A balance started out as {$110.00} k was now $ XXXX due to double charging me for my loans and consolidating loans incorrectly. 
the balance has been corrected in the system back to the original $ XXXX but all of my {$600.00} a month payment ive made auto pay for over 8 months. I do not know where my credit is. The loan that was incorrectly consolidated is not XXXX + days over due. The servicing company has charged me late fees and I had to pay to get a extended forbearance because i have used up all of my forbearances. That has not been approved. Sent 1 email stating this was the XXXX delinquency notice out which indeed was the first on this past friday XXXX/XXXX/16 stating I can get my check garnished, bad credit reporting etc. My payments are not correct in the system. I went from a consolidated loan of XXXX back to $ XXXX but the payments are unresolved to the correct amount, the due dates have not been corrected, my {$8000.00} credit is no where to found nor credited to my account.Im still past due on my Federal loan with a late fee and I have to get my DL reconsolidated again as Navient servicing center cancelled the consolidated i had which had a 4.75 % and now its at a 6 % interest rate with incorrect payment amounts. Balances and amounts incorrect. My entire account is a unprofessional mess. I am so disappointed in navient unprofessioanlism and huge mistake.
Product: Debt collection

Trident Asset Management is reporting two collection accounts on my credit reports. Both of these accounts state that they are for a utility, in the amounts of {$420.00}, and {$310.00}. Trident lists the opening dates as well as first delinquency dates in XX/XX/XXXX. No mailing address was provided for Trident on any of my credit reports, which is issue number 1. How am I supposed to reach or correctly contact Trident with incomplete contact information? Issue number 2 is that I have not had a utility in my name for years and I most definitely have never had a Trident account. They do n't even list who the original creditor is or their contact information. Now onto my biggest issue with Trident, issue # 3. I have been fighting Trident for several years now about this account that I keep stating, does n't belong to me. Trident insists that I owe these debts and they keep changing the dates as to first opening, etc. to suit their needs. I have past credit reports that show different opening and delinquency dates on them. The last time I made contact with Trident was for debt validation back in XX/XX/XXXX in which they responded back with a letter stating again that I owed these balances, along with an account summary of the bills supposedly in question. I went ahead and contacted the original creditor on said summaries ( XXXX ) and gave them the account numbers listed. XXXX told me there were no such accounts in their system. No accounts listed under those account numbers, my name, or the addresses listed for me on these summaries. I even had XXXX transfer me to their recovery department to see if maybe one of these accounts had been transferred as a bad debt, and the result was the same. No such accounts were found. I then filed a complaint with the Better Business Bureau ( BBB ) against Trident and after months of back and forth, the complaint was closed with no agreement from either party. 

Fast forward again to today, in which I am filing this complaint with CFPB. Trident continues to report false information on my credit records and I do n't know how many times I have to tell them that these accounts are not mine! I stopped trying to fix this with Trident as I clearly was unsuccessful in all attempts at getting any resolution, but Trident keeps adjusting the time frames on my credit files, which I can no longer sit back and let it ruin my credit that I have worked so hard to keep on track. 

Another note ... The account summaries that Trident provided to me are dated XX/XX/XXXX and XX/XX/XXXX. How can I have opened an account in XX/XX/XXXX ( as stated on my credit reports ) if these bills which Trident says are mine, were opened years before?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This " debt '' is for a {$40.00} bottle of Foundation ( makeup ) that was returned. Despite this being returned, XXXX still continued to charge me late fees. This whole {$120.00} is for late fees on a product that was returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXXXXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} ; XXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00}.
Product: Vehicle loan or lease

I the consumer and Natural Person/Original Creditor was denied the extension of my credit after I gave them my social security number and received no benefits which is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ). they are in violation of 15 USC 1642,15 USC 1681 ( m ) and 12 CFR 1002,1002.7 because I the consumer made an application ( in good faith ) but credit was not issued. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 ( k ). They are subject to Criminally liability for violating 15 USC 1691 as I have proof that I was Discriminated against due to the response I received. They also violated 15 USC 1611 which is public knowledge Criminal liability for willfully and Knowingly give false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued there under. They are criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.
Product: Debt collection

I recieved a letter from what appears to be a law office in XXXX, Ca. They are threatening to file a form 1099-C against my XXXX taxes. The debt that they are claiming is not owed and is dated XX/XX/XXXX.
Product: Mortgage

TD Bank Mortgage continues to refuses to send me a billing statement for each billing cycle. 

TD Bank Mortgage is not crediting my payment on the day they receive it, and is waiting up to a week after my check is cashed to credit my mortgage account. 

I would attach docs to demonstrate this, but TD Bank is already aware. Also, CFPB has made it clear that they do not follow-up on complaints that get a response from financial institutions and are disputed by the complainant. The CFPB works for your bank!!! The CFPB will accept any response by financial institution as fact. Look at the database and see how often the CFPB " chooses '' not to publish the financial institution 's response.
Product: Debt collection

AFNI has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Product: Vehicle loan or lease

When I signed my loan I originally agreed to electronic billing. However since then USAA has restricted my access to USAA.com. My loan had been setup for automatic billing through my USAA checking account, which USAA has thus since closed with no warning reason or clear explanation. Since then I have made multiple calls and they have received notification I have not received my statements, and requests for delivery. USAA has stated on multiple occasions they will send me a statement in the mail, so I know how much, when and where to sent my payment. Most recently they informed my because I agreed to online billing they would not send me a statement. This poses a problem as I have no way of receiving the statements or paying my bill accurately or on time due to USAA 's direct and devious actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion and XXXX. asking that they verify all of this negative account I also asked for proof of investigation, all agencies sent a copy of my credit report and no proof that these accounts belong to me. comparing all credit report all this account multiple inaccuracy and inconsistency between the three reports, so how is that these came back verified? no proof was of investigation was shown to me. XXXX placed a legislative freeze on my account which drop my credit score more than XXXX points i did not put a freeze on my credit file and it is very damaging to my credit I would like to have all of these collections deleted from my credit because I have never signed a contract with any of agency nor did I authorize any transaction with them. every single item on my XXXX XXXX and Transunion is not reporting as not disputed when i have indeed disputed so I am attaching my credit report because it's a lot of accounts
Product: Checking or savings account

I am f

iling a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. I believe these practices are unfair and respectfully request an investigation into my account and the specific tra
nsactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account XXXX : XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX/XXXX  Account Number : XXXX Please Submit onto ACDV form and XXXX Delete under section 1681s ( XXXX ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up this morning and there is a negative information on my credit report and I dont do business with this company or had a credit line with them .... they are called tally tech and it in the amount of XXXX dollars and I contacted tally and they are not available and I left a voicemail and Im opening up a fraud dispute with them at the moment .... and I also have a loan in the amount of XXXX from neighboorhood credit union that doesnt belong to me and I put that in dispute and havent heard back from Experian or XXXX  someone fix my credit report so I can live a better life Im a victim of fraud
Product: Credit reporting or other personal consumer reports

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I never authorized inquires listed below XXXXXXXX XXXX XXXX XXXX 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: Checking or savings account

I requested on the XXXX XXXX that a payment made to my credit card be returned due to my account being overdrawn. Transaction had been declined and Chase would attempt again to make payment on the XXXX. Chase replied to my request that same day, XXXX XXXX as follows Re : Payment inquiry Delete Reply Hello, Thank you for contacting Chase. We are writing in response to your request that we refund your entire payment of {$2000.00} that posted to your account on XX/XX/year>. We are able to refund a portion of your payment remaining after the Minimum Payment requirement of {$35.00} is met. Please reply and let us know if you want us to proceed with the refund. 

I replied confirming to proceed with the refund. 
This did not occur, I received another email stating that the request was under review. I replied stating that I had already received confirmation that the refund could be done. I also requested that they do not attempt to make the payment again as my account would be overdrawn.

Chase replied with same message that the request was under review. I replied that the request needed to be done in a timely manner as my account was overdrawn and any delay would cause further bank account issues. 
It is now XXXX XXXX, I am still waiting on Chase to take action, they have also attempted again to make the payment. Informing me that my account is overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX ( XXXX XXXX  XXXX ) since XX/XX/2022. I sent them a written statement through fax # XXXX. I have not received any information regarding any update. As of XX/XX/2022 I had made XXXX more attempts to send in my letter but they have been stating they never received it. I sent it 2 times through fax again & another through email. Every time that I call them EVERY representative gives me different information regarding the situation & I dont know what to believe anymore. I spoke to 2 supervisors name XXXX ( badge/employee # XXXX ) & XXXX ( XXXX # XXXX ) & they both said they would expedite the problem but NO response at all yet. Nothing has been resolved. I am trying to get something removed from my credit report by this merchant so I can get a home mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX I reached out to TD Finance about a auto loan inquiry for financing .I never received an adverse action letter from the company if the loan was approved or denied. 

I explained to them I wanted a copy of the notice. Also to make sure it was not a case of identity theft as my information has been subject to numerous data breaches. 
I would like to know the details of the loan application including the amount requested for the loan. 

They stated they no longer had the information. I explained to them that I believe that they are required to store that information and that I was within the time limit to request it. They continually told me to reach out to the dealer. Who by the way also is telling me they do not have documents I have requested.
Product: Debt collection

After reviewing my credit report I found this company  OVERTON RUSSELL DOERR reporting account number   XXXX   to my credit report I have no knowledge of this account I am requesting a Full Validation on this account. I am requesting for this company to cease any collection act-ivies including reporting t his information to the Credit bureaus without a full Validation
Product: Payday loan, title loan, or personal loan

Was given loan over almost a month ago, has paid almost {$400.00} out of my bank account, I borrowed {$630.00}, loan pay off AMOUNT IS still going UP. Was not clear on this process, I want to stop electronic fund from my XXXX XXXX   account
Product: Credit card

On XX/XX/year>, I had to have an XXXX XXXX XXXX resulting in an extended hospital stay ( 2 1/2 months ) during this life changing event I was unable to access my account to make payments. Although I have tried to explain multiple times all they do is send it for review. The lowering of my credit limit is negatively impacting my credit score due to circumstances beyond my control. The company refuses to work with me on a suitable resolution. I feel like they are discriminating against sick and XXXX people. I am now considered XXXX. They have no empathy for traumatic life events.