23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last year I asked Granite State Management to provide proof of the loans I took out and blocked payments until the provided proof. They provided only two or three things and not a complete list of my loans for which they are taking payments from me. This is by no means sufficient evidence but to keep myself out of trouble I removed the block from my bank account on XXXX XX/XX/2018 so they could resume payments. They did not take a payment for XXXX but they did take a payment for XXXX, which formally cleared XXXX XX/XX/2018. They have not taken a payment since, despite there being money in my account for my loan payments every month. They send unsolicited links to " information about my refusal to pay my loans '' even though I told them that unsolicited links are dangerous and I will not risk my personal information that way. Send snail mail please. They refuse and still send links, accusing me of failing to pay but click their link anyway. I've responded before but now they have blocked all of my emails, including their general info email listed on their website. XXXX is also harassing me now about my supposed failure to pay when I know for a fact that Granite State is just not even trying to take my payments. I verified with my bank that the last payment they took cleared XXXX XX/XX/2018 but they haven't even tried to take a payment since then. They said that GSMR can give me trace numbers they can look up and I tried to ask GMSR for that info but as I said they have blocked all emails from me. You can see where there were no delivery failures to my responses to failures, despite using a general info address. It really seems that GSMR is trying to default me when I could have been paying this whole time. They are not taking the payments they are supposed to take every month and as I said my bank verified that they aren't even trying anymore. I feel that they are targeting me and harassing me and deliberately trying to damage my credit, increase the interest amounts, and hurt my chances of going back to school all because I had the audacity to demand proof of the loans for which they are charging me. They know that the block was removed considering the successful payment they requested and received XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2025, my phone was stolen from me. The person who stole my phone got into my mobile wallet and sent themself XXXX transactions, XXXX worth {$1000.00}, and the other for {$970.00}. 

Chase sent the funds back into my account but now the funds have been taken away from me again. Chase wrongfully reversed the funds and is not helping me any further.
Product: Debt collection

I am writing to you in accordance with the provisions outlined in the Consumer Law, specifically 12 CFR 1006.34 ( b ), to request your intervention in a matter concerning my credit account. 

I have recently encountered issues with Capital One Auto Finance and XXXX that involve [ describe the issue briefly, e.g., " unfair debt collection practices, '' " incorrect reporting of information, '' etc. ]. Despite my attempts to resolve this matter directly with the creditors and credit bureau, the issues persist, and I believe they constitute violations of my rights under th

e Consumer Law. As per the regulations outlined in 12 CFR 1006.34 ( b ), I hereby request that you investigate these
matters and take appropriate action to ensure compliance with consumer protection laws. Additionally, I request that you provide me with updates on the status of your investigation and any actions taken. 

Furthermore, pursuant to 12 CFR 1006.34 ( b ), I demand that Capital One Auto Finance and XXXX cease and desist from [ describe the specific actions or practices you want them to stop, e.g., " contacting me by phone, '' " reporting inaccurate information to credit bureaus, '' etc. ] XXXX
Product: Credit reporting

I had checked XXXX XXXX around XXXX XXXX as I prefer to stay on top of my reports, and then again around XXXX XXXX to find that all my inquiries had been removed and then reinserted. I also was NOT notified in writing within five ( 5 ) days of the reinsertion which is actually against Federal Law. The inquiries were removed and put back on, and I had called and spoke to numerous reps who just assume hang up on you, or tell you repeatedly that they can help you with the inquiries, but also tell me that no one was affected by the glitch. Even with proof in hand, and they flat out absolutely REFUSE to connect you to a supervisor or anyone in American offices to handle this matter per your request. After 5+ calls, I gave up. None of the Reps were remotley helpful or even knowledgeable, some knew and would say more or less sucks to be you, and some were even belligerent and knew of the issue but told you too bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to the Fair Credit Reporting act, The following companies/account holders have violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Made timely payments. But PHH held onto payments each month after giving me a conformation number saying it was paid on the phone. Each month I pay by phone and the prompts never said anything about missed payments. Now I have negative reporting and must wait 2 yrs to refinance. When the problem was first discovered in XXXX, I went to my bank and wired the entire amount do as told to us by the manager handling my case. {$15000.00} XX/XX/XXXX. Everything owed. {$3700.00} XX/XX/XXXX, {$3700.00}. XX/XX/XXXX. 

Now I have a statement saying I owe {$10000.00} for XX/XX/XXXX. How? The {$15000.00} paid was supposed to have included XXXX 's payment. My XXXX and outer was me paying early, I thought. 

Also, when I pay by phone, it never let 's me in and I ha e to get assistance to be put in the system. The phone system never tells of any back pays owed.
Product: Checking or savings account

I filed a dispute with chime for a charge of {$150.00} received for pictures I never received. This charge was from XX/XX/2023 I never received the product and was denied my dispute. This isnt the first time chime denied my disputes when rightfully I should be receiving my money back. Also in the past when I ask for information use during investigation and I never receive anything
Product: Credit reporting or other personal consumer reports

Apply for a personal credit with a wellsfargo, showing my good fico score over XXXX and proof of a car loan paid off in few moths ago will be easy to get it the credit as a good customet and verify the my credit worthy with this entity. 
I received a letter with a decline the credit card account for the following reasons with is not true and not real their reason. 
They said based the information from XXXX with send a copy of this complaint as well.
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 Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

The company ( who has already secured a legal judgement & garnishment order against me ) has attached this debt to my driver 's license. They say that if I do not make payments of at least $ 100/mo, my driver 's license will be ( and has, twice ) suspended. They no longer are allowing missed payments or paused payments due to financial hardship. This is causing a major stress in my life.
Also ... my veteran status is due to service in USPS, which was n't listed in the dropdown menu ( not the XXXX ).
Product: Credit reporting or other personal consumer reports

I did not initiate a fraud alert on my credit report.
Product: Debt collection

I payed this account in XXXX. They said I would get a notice and confirmation reported to my credit account settled and paid. However in XXXX, XXXX, and now XXXX, they improperly reported a charged off amount negatively affecting my scores these last few month. Also sent notarized letter demanding immediate removal. WestLake Portfolio Management, XXXX, Account # XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

They closed my account with XXXX and it was counted as fraud. The company fundollc have been scamming people since they opened.
Product: Credit reporting or other personal consumer reports

I have been getting constant Harassment and derogatory credit marks on my credit because of this company. I am a victim of Identity theft and made them aware with the proper paperwork and police report via notified mail. This is willful negligence and a violation of the U.S code 15 section 1681n
Product: Payday loan, title loan, personal loan, or advance loan

This company charges a monthly account fee, which are outrageous amounts, and they also mislead you about the fee. From the time of taking out my loan in XX/XX/year>, each XXXX weeks they take out from $ XXXX in their " account fee. '' That equates to approximately {$500.00} in account fees a month, with any extra going to principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from XXXX, Equifax, and 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a payment from a friend for lunch for {$22.00}. On XX/XX/year> I received a payment of {$100.00} for a sofa I was storing for a friend, XXXX XXXX. The account XXXX XXXX opened a dispute and Venmo withdrew the funds temporarily. I won the dispute and they deposited the amount back, but Venmo has since permanently deactivated my Venmo account with no clear reason as to why, and have not let me withdraw the current {$22.00} balance that belongs to me. I was notified by account specialist XXXX XXXX on XX/XX/year> to provide a photo of my ID which I sent over immediately, and on XX/XX/XXXX was notified of the permanent deactivation of my account with no opportunity to speak to someone or gain clarification. The Venmo request is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have a Question Why are you contacting XXXX on this account Where do they get there information that you don't you use the same e Oscar and metro information as XXXX. or are they getting there information some where else and supplying it to you now. your statement seems strange { we've sent your dispute to XXXX, and we'll let you know when its complete }
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not accurately reporting XXXX accounts that have been closed this month showing balances that have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries done on the same day are showing up multiple times as hard inquiries and affecting my credit. 

There are XXXX on XX/XX/2021 as they looked at car financing options. 
There are XXXX on XX/XX/2021 as they looked at car financing options. 

I was told that these should only be XXXX hard inquiry as they are XXXX days apart.
Product: Credit card or prepaid card

I have a BJ Perks Mastercard. It's a XXXX 's XXXX XXXX branded card that's issued by Comenity Bank. I have excellent credit and always pay my bills in full. Occasionally, I get busy and forget to pay the bill on time. It is rare that I pay late, but if I do it's usually no more than an hour or two late. Unlike most credit cards, Comenity Bank has a hard cut-off of XXXX XXXX XXXX. My complaint is about the late fees and interest that Comenity Bank charges for paying late. It is excessive and usurious. XXXX  Comenity Bank charges a late fee of " up to {$40.00} '' for being late. Second, it charges interest at a high interest rate of 15 %. This is piling on. The interest charge, which is already 15 or more times the going rate of interest, is supposed to cover the cost of being late, but goes further in penalizing someone for being late XXXX Comenity Bank will charge the interest even if you're one minute late ; and to be fair, all credit card companies charge unreasonably high rates of interest ). Why then is a late fee added on top of it? And why does the late fee vary? I have no problem paying something for being late. If you're late, you're late. I do have a problem, however, with excessive and double charging. One month, I was a few minutes late and was charged interest plus a late fee of {$35.00} XXXX which was exactly equal to the balance due on the account of {$35.00} XXXX. I raised a stink about this and Comenity Bank reversed the fees because of my excellent payment history. Last month, the payment slipped by mind and I wound up paying two days late. The balance due was {$17.00} XXXX this was the entire balance ; I never pay the minimum, I always pay in full ). I was charged a late fee of {$17.00} plus {$2.00} of interest. I was charged 112 % of the balance due as a late fee. By any definition, that is excessive and usurious. My attempts to get someone atComenity Bank to understandwhat it's doing is unfair and unethicalhave fallen on deaf ears. Comenity Bank and othercredit card companiesshould not be allowed to charge such excessive amounts. It's just plain wrong.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I purchased XXXX XXXX on a 18 month no interest plan through Comenity Capital Bank. Through electronic transfer from my checking account to Comenity Bank I paid {$220.00} per month starting on XX/XX/XXXX and ending with a final payment of {$200.00} on XX/XX/XXXX. I received a call from Comenity in XXXX of XXXX that I had missed a payment and that I needed to send a check for {$200.00} to resolve the issue. 
I failed to notice that they continued to take {$200.00} each month for the next nine months. I don't mean this as an excuse, but I had just lost my wife of 57 years and was in the process of selling my house and just failed to catch this. When I discovered what they were doing I put a stop to it through my bank. Comenity continued sending me monthly statements adding fees and charges. 
I finally decided to get them off my back and, through one of their supervisors settled by credit card for {$280.00}. The supervisor told me the reason for all of this was I hadn't made the payments for XXXX and XXXX of XXXX. 
I did some further research and found proof that I had indeed made all of the payments and that they had unjustly charged me a total of {$2100.00} including fees and interest. 
I wrote to them on XX/XX/XXXX, of XXXX explaining this and asking them to return my money. I got a letter saying they were researching it but never got an answer to my request. I wrote again to them in XXXX of XXXX and included the cancelled checks proving that they did in fact receive the payments for XXXX and XXXX. 
They responded that to much time had elapsed and therefore they were denying my claim. 
I am Forwarding all the documentation for your inspection. 
Thank you so much. 
XXXX XXXX
Product: Checking or savings account

About 5 nights ago the XXXX of XXXX I went to deposit a small check in my bank account and was horrified to see that it went from {$40000.00} to XXXX $ .I looked into where the funds were sent and it is a betting site called XXXX .I never made these transactions and the bank hasnt been any help and XXXX the company doesnt even have a phone number. So I reached out through their live chat .They completely disregard what Im telling them and further suggest how I could re open an account .I dont know what to do at this point but Im beyond disgusted especially by chase bank .Apparently these transactions had to be going on for weeks and never once did anyone contact me to ask if it was me at the least!!! I feel like chase bank completely failed me and allowed this to happen., I also feel XXXX is an unsecured and shady company.Im XXXX XXXX XXXX and have never been a gambler this shouldve been an immediate red flag .My life has been completely changed by this situation.
Product: Credit card or prepaid card

JCPenny branded store card issued by Synchrony Bank lowered my credit limit on the account based on a periodic review of my credit via a soft-pull. Their system pulls credit apparently every month. Upon a systematic review, they lowered my credit limit within around roughly {$100.00} of the overall limit. This put my ratios all out of whack. I financed a washer and dryer on 0 % therefore, there is no way I'm paying that off when it's at 0 %. In the beginning, there was an address issue on the account, and one of the payments was late but that was almost 2 years ago. After that was corrected, the account has always been current and never had any late payments or issues at all. The reason I'm suspecting the limit was lowered was due to an auto trade-line reporting 60 days past due by XXXX XXXX XXXX. This was a reporting error and since been corrected by XXXX. Yet now, I have a lower credit score because of this tradeline shows I'm at 85 % utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are XXXX, XXXX and XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX and XXXX stating that I did not send to correct information such as driver 's license, security card, and proof of residence. Attached is evidence that this information was sent via certified mail on XX/XX/XXXX. XXXX responded on XX/XX/XXXX and XXXX responded XX/XX/XXXX stating that I didn't not follow proper protocol. Both companies elide to the fact that it wasn't me whom did file the dispute. 

I'm requested each company update my performance information on my credit profile as mentioned in the Personal Information Update Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit beurea XXXX, XXXX, experian are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My education loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my discovered mile card and i was on the phone with them over an hour, and some department told me that nobody can't told me to which is a lie!!! since the customer service did talked to me and went over some unauthoriezed transaction ... .. and the job isn't completed i'm just fed up with them discover is treating me horrible. please help me with these unauthorized tranaction, i myself can't even log in to see it the last time i had it was at XXXX  which was on XX/XX/XXXX
Product: Debt collection

They are calling my job and my cell phone all day long. I am XXXX, work part time and have no way to pay this emergency room bill. I have explained that they are wasting their time but they keep calling and calling my employer is going to get me in trouble.
Product: Debt collection

Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to XXXX  and Equifax in regards to an account XXXX  XXXX XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.
Product: Checking or savings account

On XX/XX/2024 I received a letter saying my Chase checking account had been restricted and to call them asap. I called them and they didnt give me the chance to un-restrict my account and instead made the decision to close it. I have about {$3000.00} in my account and they are not releasing my funds to me until my account is fully closed which the projected date is XX/XX/2024. I went to a Chase branch to see if I could get my funds from my account but I was refused in a very rude manner and said to wait for my check. I can not go a whole month without my money and Chase is denying to give my hard earned {$3000.00}.