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

I have been trying to use the XXXX XXXX XXXX to redeem points towards flight bookings made directly with XXXX and XXXX Airlines XXXX I was informed by multiple customer service agents that I should I have been able to redeem points and that it was strange that I was not receiving the text messages. A request would have to be submitted to the rewards team, which make take several days-weeks and approval was " not guaranteed. '' Multiple customer service agents had no idea how XXXX XXXX worked or why I was not receiving text messages, until XXXX, XXXX more senior agent, found that I needed to be " re-enrolled '' in XXXX XXXX for legal reasons, which would not take effect until tomorrow. 

I spoke to a XXXX, XXXX, over the phone who hung up the phone on me after failing to resolve the issue. XXXX could credit me with additional points on my account, but they would not enter my account until after the statement closed. I intend to close the credit card before my statement closes, so that is not a resolution. Otherwise, a request to the rewards team could take " weeks '', which again I don't have time for. 

I am exhausted dealing with US Bank after this entire painful experience. I can not rebook my flights and I'm not waiting for my points to post. And it is entirely unacceptable for the XXXX to hang up on me after failing to resolve the issue. 

This is not the only time I have had an issue with XXXX XXXX. It is an opaque program designed to discourage customers from actually being able to use it. I am done with US Bank after this experience, and rest assured that I will never conduct business with US Bank again in the future. I expect an immediate resolution ( as described below ) to my complaint.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navey Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into y account transactions
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024, an Experian credit report ( Report XXXX XXXX ) was pulled. After reviewing my credit report, I noticed some discrepancies with an account from XXXX XXXX XXXX. 

On or about XX/XX/2024, I filed a dispute with Experian requesting written verification of the payment amount information listed on this account. 

On or about XX/XX/2024, Experian completed the dispute and sent a report ( Report Number XXXX ). However, they did not provide any information regarding how the disputed information was verified as valid. 

I was not given proper documentation showing how this information was furnished. The account was listed as sold and/or transferred, yet Experian informed me that the submitted information was correct without explaining how they validated information from an account that had been sold or transferred from the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inacurrate information on my credit report and I submitted 3 disputes to Experian. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : XXXX XXXX XXXX- XXXX I don't owe these people XXXX XXXX   XXXX I don't owe these people XXXX XXXX XXXX Inaccurate payment history
Product: Mortgage

We filed several loan modification applications after struggling through several hardships, including most recently the Coronavirus pandemic. We are seniors who have had many medical issues ; a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. We have lived in this home for years and SLS servicing is tearing us apart. 

However we have worked hard to keep up on our mortgage. We have submitted several loan modification applications over the last 3 years. Each time we are told they are incomplete. ON XX/XX/XXXX we submitted a new application with all of our income., with proof of income exceeding $ XXXX/month. IN early XXXX approximately XX/XX/XXXX, we receveid notification from SLS servicing that they had received a complete package from us, no more documentation was needed and that a decision on a modification would be forthcoming. 

We then received a letter dated XXXX XX/XX/XXXX that our modification application was denied, and that XXXX $ was used as our income. The enclosed 12 page attachment shows the income was documented and proof of income. How SLS has the audacity to make a decision to deny seniors based on " XXXX income '' is outrageous, abusive and fraudulent.

How dare SLS deny us, with incorrect information, stating just 2 weeks  before that they had all of our income information which exceeds $ XXXXmonth. 

This is a pattern and practice that SLS has repeated for years and we would like the CFPB to take action.
Product: Debt collection

I parked in a spot in an office building. There was a sign to pay metered parking, which I did. This company is now sending me notices in the mail that I owe them money ( {$95.00} ) for parking in this lot. There are countless posts online about how these guys are a scam. Emails and calls to them are returned with vague and general comments that don't at all explain the situation. They continue to keep the file open in an attempt to scare and extort you.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2017 XXXX XXXX with XXXX XXXX called over 5 relatives of mine in an attempt to contact me. 
He has shared personal information regarding my debt with my relatives and I 'm certain this violates fair debt collection practices. 
He has informed them I 'm " severely delinquent with XXXX XXXX '' and that I " need to contact him or he 's going to send me to civil court '' This matter needs to be addressed. I 'm not comfortable with my private information being shared with my family members.
Product: Credit reporting

I obtained my online free annual reports from XXXX and XXXX on XX/XX/2017. Equifax failed to provide a report.
Product: Credit reporting or other personal consumer reports

I noticed some incorrect information on my credit report under 15 USC 16c-2. This inaccurate data is negatively affecting my credit score, and the inquiries were not authorized by me.
Product: Credit card or prepaid card

This bank doesnt get tired of telling me no each time I apply its not fair I feel discriminated against Im crditworthy and their stupid system never even pulls my credit Im a XXXX XXXX XXXX XXXX and I get discount each time I shop And save with this card but this bank will never consider me or approve me its not fair how am I supposed to qualify when their not even trying to qualify me my credit is not the problem when I call to reconsider they say no
Product: Student loan

I have had 3 separate phone calls in the last 3 weeks with my Student Loan provider, MOHELA. I had submitted a payment via check ( through a third party - AmeriCorps portal ) that was cashed by my loan servicer but never applied to my account. I have called to find out where my check was and why it had not been applied. 
The first time they said it would take 2-3 weeks to see it reflected in my account. It was received and cashed on XX/XX/27 and I had called the first time on XXXX. 3 weeks had passed. They said it should post any day. 
Having not seen the payment applied by the XXXX of XXXX ( after my payment due date ) I called back again to verify that it was going to be posted to my account. They said they never received the payment. I uploaded to my MOHELA account evidence that the check had been removed from my AmeriCorps remaining balance - ergo showing that they cashed the check.

I contacted my AmeriCorps customer service rep who did a check trace for me through the Trust Department and they emailed me the results that it had been delivered to MOHELA and cashed by MOHELA on XX/XX/27 ( as stated above ). 
I called back today, XX/XX/XXXX, after still not seeing a check or having seen any progress on my issue. The representative I talked to today told me that she would put in a search request for the check and that if I don't see it posted to my account in 30 days that I should call back again. Then she said I needed to be transferred to her supervisor- which meant I was put back on hold for another 40 minutes ( after the initial 2+ hours ) and the call was dropped. So I never talked to a supervisor. 
I have zero confidence in MOHELA, their staff and their ability to find this check. At least it wasn't a personal check from my own bank account.
Product: Debt collection

XX/XX/2020 medical bill for {$1600.00} where I was not see as a patient
Product: Credit reporting, credit repair services, or other personal consumer reports

n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX was showing as a collection. 

I am filing a complain against TransUnion, XXXX  and XXXX  for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XXXX credit report and four years later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
I was added as an AUTHORIZED USER for 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 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May Concern, LVNV Funding LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( LVNV Funding LLC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between LVNV Funding LLC and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX
Product: Credit card

I spoke to an account representative about an interest rate reduction. They offered me 16.24 % APR which I specifically asked if it was the best rate they had. They said yes. I manage my finances online using a number of bank aggregators who actively look for the best deals in banking, credit cards and loans. The advertised rate was significantly lower than the one I was given ( 10.99 % ). When I called to try and resolve this issue with them, they were dismissive and were not even open to the idea that mistakes can happen on their end. My credit has been above XXXX for the better part of a year, no significant debts or credit inquiries. If I do not qualify for prime I 'm not sure who would.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand XXXX, equifax and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Product: Checking or savings account

I had above minimum balance in my account and issued an electronic payment required for a larger sum. As expected, my payment did not take place as TD never cleared my check. However, I was charged a maitenance fee for not maintaining the balance minimum. This does not make sense as funds never left my account -- the requested electronic payment never took place and I never breached the required minimum balance.
Product: Credit card

I have received mail through the post office from CapitalOne offering me a credit card. First, I stamped the envelope " RETURN TO SENDER '' in red ink and put it back in the mail but, I do not remember the date. Second, I stamped it again and then wrote " Please remove me from your mailing list. This is my second request. If this request is not honored I will be contacting the Post Master General and the Attorney General of Arizona. Thank you for your help. '' At the time I did not know to contact the Federal Trade Commission. Third, I received another envelope. In response to the envelope, on XXXX XXXX, 2016 I sent a letter which will be uploaded in the appropriate location on your website. In the letter I enclosed copies of the envelope and explained that I first sent an envelope requesting to be removed from the mailing list. I was wrong telling them I would contact the Attorney General and Post Master General. However, I did formally request to be removed from their mailing, calling, text and any other means of communication the company utilizes. They did not try to contact me and around XXXX, XXXX I received another envelope.
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My roommate and I rented a home from XXXX XXXX XXXX in XXXX, GA. 
When we moved into the home there was very extensive damage. The house flooded on the entire first floor. It was covered in bugs and it was filthy and we were without water. They did not give us any options for housing at that time. They did finally start sending out repair workers, but they all seemed to have no idea what they were doing. One man was so out of it ( Im assuming he was on drugs ) he went into our pantry instead of exiting out of the front door where he came in. He also asked us for drugs. Of course, we told him he needed to leave. Again, XXXX XXXX XXXX did nothing to help us. They did get the water out of the house and for a little bit we thought it would be ok to inhabit, however, other problems started arising. We were seeing mold and could not get them to address the issue. My roommate decided she couldnt live there anymore and I did not want to break the lease, but I couldnt do it on my own. They refused to work with me. I tried to find another tenant and they made it so difficult. After my roommate moved out, I was in the kitchen one night while one of my kids was in the bath upstairs and all of a sudden water was pouring from the ceiling into the kitchen on my new table and chairs. It turned out to be the bathtub upstairs. I was afraid the tub was going to fall through the ceiling. I called and it took them quite a while to come out. A repair man did come and fix the leak and clean up what I could see of the water. However, my table was now ruined. After this, I was still trying to find a way to get out of the property. It didnt feel safe. Then, I finally tell them that I need to break my lease and they agree to let me and I gave them a move out date. A few days later, they put an eviction notice on my door. During my last week or so there, I saw more and more mold and sent pictures to them. No matter how many times I bleached it, the spots would not go away. They blew me off as usual. I confronted them about the eviction and wanted to know why they would do that after we came to an agreement and nobody could answer my questions. Once I moved out, I was never contacted about any fees owed. I changed my address with the post office, my number was the same, my email address was the same. Next thing I know, Im being contacted by a collection agency. Theyre trying to charge me eviction fees and these massive cleaning and repair fees of over {$7000.00}! When I left that home, it was completely spotless. Far more clean than when I arrived. It is absolutely fraudulent. I have been fighting with them for over 4 years now. I have photo and email evidence to back up all of my claims. I dont want this to happen to anyone else.
Product: Credit card or prepaid card

Snychrony Bank closed my Amazon Store Card without notice. I have a {$0.00} balance on the account, and my full email history of payments being scheduled and processed. I have received no notifications of any issues with payments, received no letter, have never missed a payment, and have been told my rewards balance of {$29.00} has been forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.