23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received the results of reinvestigation from TransUnion stating that they have verified a XXXX XXXX XXXX bankruptcy on my credit report. According to TransUnion, they verified the account from " XXXX XXXX XXXX XXXX ''. I got a letter from courthouse stating that they do not report bankruptcies to anybody. If that is the case, why will TransUnion claim that the bankruptcy is 100 % accurate. They never did a fair investigation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Nordstrom Account XXXX : XXXX
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against DIVERSIFIED for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the data breach with XXXX and XXXX some time ago, victims of the breach were granted access to credit monitoring through Credit Karma. I was one of these victims.

Recently I began receiving emails from Credit Karma with alerts stating that my " credit limit has decreased '' and they referenced a line of credit I carry ( XXXX ) I contacted XXXX and was assured that my credit limit had not changed - this repeated three times : Credit Karma emails me with an alarming email explaining how decreased credit limits can harm your credit health, how will this negatively impact me, how to contest the change, etc., I contact XXXX to confirm nothing changed, I email Credit Karma, get ignored ... process repeats.

I've contacted Credit Karma dozens of times and they refuse to put me in contact with a supervisor, but the rep who replied explained that these " credit limit decrease '' emails are marketing emails and to ignore them- which is unacceptable. 

I explained that this deceptive and predatory behavior and that I no longer give them permission to send me those types of communication ... .at this time they began to refuse to even reply to my emails, stating that my email addresses didn't match their records and for security reasons they could no longer communicate with me ( this was blatantly untrue ). 

At this point, I want to lodge a formal complaint because these are extremely alarming emails to receive and they reference real lines of credit I carry and give false information in some ridiculous attempt to get money by scaring poor people who've already had their lives disrupted and their financial futures negatively impacted by our very own credit reporting agencies. 

It's all unacceptable and their lack of willingness to even communicate with me about fixing the issue and stopping these marketing attempts is not ok. 

Thank you for taking this time to review. I appreciate it!
Product: Credit card or prepaid card

XX/XX/23 : I contacted Comenity Capital Bank to request direct deposit of my {$320.00} earned cash back rewards. Spoke with XXXX. 

He then conferenced in XXXX, who asked me to verify my cell # so she could send a confirmation text. She then stated " it wouldn't let her send the text '', with no other explanation, and then said the direct deposit could not be performed. I asked her and XXXX to identify how Comenity planned to resolve, since i was able to receive text messages and was, in fact, speaking to them on that phone number. 

XXXX referred back to XXXX, who said he would consult a supervisor and XXXX left the call. 

XXXX consulted a supervisor who refused to speak with me, and said he was told I would have to call back on Monday. I said that was not acceptable and I asked to speak with the supervisor. 

After much back-and-forth, XXXX referred me to a different supervisor, XXXX, who stated there was " information they could not verify '', but he " couldn't tell me what it was. '' I was told I would have to call back Monday and XXXX can resolve it for me then. 

I believe Comenity is refusing to disperse my earned cash back reward.
Product: Mortgage

Our mortgage lender PenFed did not contact us in a reasonable manner about a payment that was reversed. There was never a voicemail, email or secure message on the account online. In fact the account statement says it was paid on time. We have called them and asked why they would not communicate properly on such an important matter. Calling from a XXXX number and not leaving a single voice mail leaves me very suspicious of this lenders practices and that they were trying to not give us the information so we would be late on a payment and they know if anyone is late XXXX  times then they can take the house. 
This is all over the news that banks are doing this and I am very frustrated that this is allowed in this country. 

We found out about the payment because our credit report was sent to our email telling us, not Pendfed. Once we found out we immediately paid. If this doesn't speak volumes that we never intended on not paying our mortgages. We were properly contacted and then it was immediately rectified. 

I want to get this fixed and I want to make sure no other lender does this to another person. They are bullying the public and I am not going to stand for this. They have ruined my life, credit, future and I will take this to the next level
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXXXXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Student loan

I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX first, I payed them on time every month and somehow wasnt recorded then suddenly a lot of my credit was paid? 

Wells Fargo, I keep having charges that I do not recognize and they keep overdrafting me with a {$35.00} fee at least about 4 times a month. Overdraft is credit, I do not have credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CAPITAL ONE Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Ive held a Chase Sapphire account plus several others for over 10 years and been in good standing. Recently I had utilized my card for a large purchase and carry the balance while making payments. On XX/XX/XXXX after making a {$4600.00} payment in full I received a decision letter and notification in the mail on XX/XX/XXXX lowering my balance from $ XXXX {$500.00} Punitively. There was no credit poll on my account and the review says that it is based on the following reasons credit usage is high, history of low payments relative to balance, credit account balances have increased and time since recent account open is short. 

All of these reasons as they relate to this card are invalid. The credit usage is XXXX as I paid off the full amount. The history of low payments relative to balances the minimum or slightly over were made each month on time, credit card balances have not increased but in fact decreased to XXXX and the time since a recent account open is 10+ years on this account. 


Well it additionally states that they used XXXX to make this credit based decision theres really no additional information provided there. I do however have XXXX triple credit monitoring and Im diligent about monitoring my credit. 

As this drastic change in available credit will affect my score nearly the same as closing this account I have opted to close this account. The only option Chase provided was that I undergo an additional review, an additional credit pool which would have impact on the credit report itself and took into account no loyalty length of The relationship or the other accounts that I have. 


In addition to this complaint and filing Ill note that I very much expect that Chase will punitively lowered the balances of my other cards either a. When I pay them off or down past a certain amount or be. They will be lowered and made nearly useless because I closed my Chase Sapphire account. 

There were no efforts made to keep me from attriting. 

It seems that being a good steward of your credit and paying down your balances can be met with negative repercussions at the sole discretion of the company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Unverified inaccurate items : 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 I have been back and forth with Transunion and XXXX for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items ( XXXX XXXX ) that were being incorrectly reported and XXXX ; s completed investigation results came back that these were unverified accounts and they were deleted from my credit report. I also sent Transunion and XXXX a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof ; I did not receive anything from Transunion and XXXX. Yet til this day Transunion and XXXX are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX  showing that these items were deleted because they were unverified and inaccurate. Transunion and XXXX need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services,  has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.
Product: Credit card or prepaid card

My credit card begin being fraudulently used on XX/XX/XXXX. I did not recognize this activity until XX/XX/XXXX which is when i Immediately called into the bank to report the charges as fraud. I let the bank know that all charges from XX/XX/XXXX until XX/XX/XXXX were all unauthorized/fraudulent charges. The bank stated that they would work on it and would have it resolved. Over the last three months I have called multiple times inquiring on the issue and have been told that it is being worked and that they will reach out w/ any questions. I was never contacted. Yesterday XX/XX/XXXX i called and requested to speak to a supervisor as the representative i spoke to acted like this was the first time that i had called in regarding the issue. After roughly ~20 minutes on the phone unable to reach a supervisor I was told that a supervisor would reach out to me. I was never contacted by a supervisor and no voicemails were left on my phone. Today XX/XX/XXXX I called in and was told that a supervisor called my phone yesterday and left a voicemail. This is false I would have called back immediately as i want this issue resolved. After speaking to the representative I was told that my incident had been CLOSED and that she will reopen the ticket. This is unacceptable, it has been over 90 days and w/out properly reviewing previous calls/notes to see when i first called in and the claim i made the investigator inaccurately closed the ticket thinking that I lost the card on the XXXX of XXXX. Today i was told that w/ the reopening of the ticket the timeframe is another 60-90 days. This is unacceptable as I have already had these charges on my credit for over 90 days and now they want to leave them on there for potentially another 90 days. The bank has not followed up w/ any questions they had that made them close this ticket and since day 1 I have stated that all charges effective XX/XX/XXXX and later are unauthorized fraudulent charges and I do not accept the liability of them.
Product: Credit card or prepaid card

I applied for the GM business card through Marcus and I received an email saying my application was declined as they were unable to verify identification information. When I reached out to them they did not disclose what information they were unable to identify, they did not ask me to send in additional information or what source or bureau they used. I have an existing account with Goldman Sachs since XX/XX/2021 and my information has not changed. If there was indeed an issue verifying my identity I am owed an exploration of the data used to access my information and I should be given an opportunity to see that data and file a dispute with the data provider. I was given no such information which I believe is in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I paid off my credit card on XX/XX/2020. I went by exactly what was owed. Today I called to make sure nothing was charged on my card and found out that there was a finance charge on my account for {$3.00} that posted on XX/XX/2020. I called and spoke with a representative who informed me that it's called residual interest. He stated that residual interest accrues when I don't make a payment in full. I informed him that I make payments on time and I pay above the minimum amount due. But he kept trying to explain something else to me which sounded like a bunch of XXXX!! I used Capital One 's voice prompt machine or whatever you call it to make my payments, always have. When I called to make my final payment the machine gave me what the statement balance and current balance was. That amount was {$270.00}! Not once was residual interest mentioned when I made my final payment. That residual interest that they charged me and might charge me again next month is a way to make money off of us when we pay our accounts off. I'm not paying that and I want it removed from my account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report and to request a copy of the 1099-C ( Cancellation of Debt ) form related to the debt in question. I have noticed that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a charge-off for the account numbers XXXX, XXXX which appears on my credit report. And all the accounts in orders also. As per IRS guidelines, a 1099-C form must be issued for canceled debts of {$600.00} or more. I believe that this debt has been canceled, and I am entitled to receive a 1099-C form for tax purposes. I respectfully request that you provide me with a copy of the 1099-C form for this debt, if applicable, and update my credit report accordingly. If this charge-off is not valid, I kindly ask that you investigate and remove it from my credit file. Thank you for your attention to this matter. I look forward to receiving the necessary documentation and an update on my credit report. Sincerely, XXXX XXXX Date of Birth : XXXX XXXX
Product: Checking or savings account

XX/XX/year> Asked numerous times to close my account. I was told it could only be closed ifi could prove fraudulent activity.