23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I experienced a loss of income in a short time frame due to a COVID diagnosis ( XX/XX/XXXX ) and a work injury ( XX/XX/XXXX ), and my employer failed to pay me my earnings on time ; for weeks I was left without a paycheck ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I spoke with dignifi 's agents on the phone periodically to address the loss of income and sick leave but was not given any arrangement based on the cardholder agreement. I explained that I would be receiving back pay with penalties, but did not have a solid idea of when payment could occur on the line of credit ( among others ). The best that the agents could do beside communicating the agreement terms of the credit card was to document the loss of income and extenuating circumstances. 
On the part of the lender, the system took steps to restrict my ability to self service the account as I became late and missed payments. The ability to process payments with a *lower amount than the minimum payment* on the statement was suspended and prevented me from making any electronic payment by the due date between XXXX and XXXX without calling in and speaking with an agent during business hours AND before XXXX PM. Once I missed XXXX payments, access to the online payment portal was cut off to me as well. 
Given the lack of flexibility to circumstances outside of my control, as well as the XXXX payments I made within weeks of each other once I received the back pay as promised, I believe a review is warranted of this lender 's behavior or performance among consumers. Despite communicating with the lender why I could not make payment, the lender went ahead and marked my consumer report for missing those payments. I have proof of illness and back payment checks.
Product: Debt collection

I saw a credit report that had LVNV Funding on my file. I wrote LVNV FUNDING and asked them to validate this debt. They didn't answer me. But they continue to report it on my credit file and they continue to add more money to the amount owed
Product: Mortgage

yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.
Product: Mortgage

I entered into a variable heloc with TD Bank in XX/XX/XXXX. I was told that I could fix the rate by calling a representative at XXXX XXXX XXXX. After fixing the rate, I continued to make consistent payments and when I learned of the prime rate dropping 50 basis points in XXXX of XXXX, I called TD to see if I could refinance to a lower rate. Instead, I was told that the fixed rate option offered by TD for their heloc is not tied to the prime rate and that my actual rate in XX/XX/XXXX would be higher than when it was in XX/XX/XXXX when I entered into the heloc. My complaint is about the lack of disclosure to me that the fixed rate was not tied to prime. If I knew this information, I would have made different considerations before entering into a heloc with the bank. I also do not think its appropriate for the rate of the fixed rate product to be determined by the bank and not tied to any reference rate ( i.e., index ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted from my credit monitoring that my score changed with XXXX, Experian and XXXX. I looked to see what exactly was the change and when I looked they had dropped my score by XXXX points because I paid down my credit cards, lowering my utilization. From my understanding i didn't know that if you paid down your credit cards that your score would decrease. I feel that is a violation of my consumer rights and is intentionally hurting my ability to apply for credit by decreasing my score. I have been paying my accounts on time with great payment status, no derogatoriness and trying to get my utilization down and yet my score has not gone over XXXX. I am asking that a full investigation be done for I feel that this is a discriminatory act on the credit bureau because of my ethnicity,
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been damage caused in regard to my credit reputation. This has caused me economic strife
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX issued a report blaming me for an accident that occurred on XX/XX/2021 where I was the victim of a driver who hit my vehicle and fled. This error in the report affects my ability to quote with other insurance companies.
Product: Debt collection

Regarding my account XXXX, I called Stenger and Stenger PC @ XXXX on XX/XX/2023. I spoke with a gentleman who collected my payment and credited {$580.00} to my account. Moreover, scheduling a payment for the final payment of {$580.00} on XX/XX/2023. Additionally, he stated that the judgment and filing from today will be canceled. 

On my second contact, on XX/XX/2023, I spoke with three different representatives, who informed me that the payment had not been received and credited to my account and that a payment plan for two installments of {$580.00} had still been established. These representatives seem to have given me different information about my account and yesterday 's events. I request to talk with a supervisor after being transferred. The team lead or supervisor who called me was very unprofessional, talked over me when I was asking a question, and the call never progressed. 

I would prefer a resolution to this issue because I do not want to be sued because of the XXXX XXXX that made it difficult for me to pay my obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
Product: Mortgage

I refinanced my mortgage in XX/XX/2021 with XXXX XXXX  XXXX. During this process I provided the mortgage originator documentation of the two insurance policies applicable to the subject real property. The originator failed to include both policies in the estimated closing statement. After informing them of this for a third time they finally included it. Once the loan closed, it was immediately transferred to their subsidiary servicing company Loan Care LLC. Upon, discovery that the servicing company only had one insurance policy on file I called their insurance department to report the omission. After many assurances that it would be taken care of, the phone call ended. I later received an escrow analysis informing me that my monthly payment would be reduced because they miscalculated the original payment amount. Upon further review of the analysis provided I discovered that the payment was reduced because they had not included the second insurance policy. I called them again to inform them of the second policy and was once again assured that the policy would be paid and accounted for in the escrow. Afterward, I sent them the missing insurance policy for the 4th time since the start of the loan process. On XX/XX/XXXX I received a letter from my insurance company informing me that my payment due on XX/XX/2021 was overdue and that my policy will lapse on XX/XX/2021. I called Loan Care again to inform them of the situation. They once again told me it would be taken care of. Seeking to document my interaction with Loan Care and the nature of these interactions, I requested in writing the acknowledgement of my informing them of the second insurance policy and the overdue payment. They refused to give me in writing this acknowledgment.
Product: Credit card

My credit card credit limit was decreased by the company ( Comenity Bank ). This credit limit was conducted without a prior written " adverse action notice '' via postage mail or digital message via my online account portal with the company. I have attached a screenshot of my online message center account for confirmation. Before my account was decreased, it was in good standing and I had no past due payments listed on the account. I was paying the account on-time and was not late. The account was not delinquent or in a financially mishandled status. Truthfully speaking, I rarely used the card as you can reference from the last 2 months of credit card statements that I attached. Before my account was decreased, I had an available credit limit of {$810.00}, an account balance of {$1500.00}, the credit limit was {$2600.00}, and I had a minimum payment due of {$58.00}. When Comenity Bank involuntarily decreased my credit limit, it revised my account to reflect as follows : Available Credit : - {$84.00} Account Balance : {$1700.00} Revised Credit Limit : {$1700.00} Minimum Payment Due : {$58.00} According to the CFPB website in reference to credit card companies increasing and decreasing limits : " If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

In most instances, the card issuer must give you a adverse action notice when it makes certain unfavorable changes to your account, such as lowering your credit limit, or when it terminates your account. This notice should either provide specific reasons for the action taken or allow you to request a statement of specific reasons. These notices discourage discrimination and they help you learn the reasons for the decisions. '' When I made contact with Comenity Bank concerning my account, the representative advised me that there was " nothing that she could do '' to assist with my account status and recommended that I request a credit limit increase or reapply for another card. This is not what I wanted to do being that I did nothing to warrant a credit limit decrease in the first place. My account was in good standing with them at the time of this action. They did not send me prior written notice via postage or email concerning the credit limit decrease. As you investigate my bank statements you will see that I did not have any past due amounts on the account to warrant such an action. Once again, my account was current. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

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 have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy. 

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent. 

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

In relation to your response to my claim number XXXX, I must insist. 

To Fifth Third Bank The following check is legitimate and corresponds to a federal student loan, of which I provided information when a bank employee requested it. The bank itself followed its usual protocol to pay me that legal check. 

Your bank closed my account based on information that is not accurate. The professional who made the decision stigmatized me and assumed that the second check was also fraud when it was not. I insist, I was the victim of fraud on a first check and then you took action on a legitimate subsequent check. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with Marcus by Goldman Sachs Bank and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
Product: Checking or savings account

I am writing to file against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having 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 Navy 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 my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On various occasion I have initiated a dispute with the credit bureau Equifax regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my initial dispute letter. 

The only correspondence I keep receiving from the original creditors listed on my credit report is that they can not find an account listed under my name and I am asking that they remove the accounts that can not be verified.
Product: Debt collection

I received a letter from Online Information Services claiming I owe money to XXXX XXXX XXXXXXXX XXXX, with an account number that I do not have with XXXX XXXX XXXX. 

None of my accounts with XXXX XXXX is the number Online Information Services listed in their letter. 

I request Online IS to request Verification from the XXXX XXXX XXXXXXXX XXXX, and send me a written letter with Debt Verification or lack thereof, once they receive the answer. 

I spoke to Online IS twice today. 

1. In both conversations, all of a sudden, when I was asking questions, in a courteous way, the line was disconnected, which I don't think can be accidental, twice in a row, 30 mins apart. So Online IS Customer Service, disconnects the calls intentionally, instead of answering fair but tough questions.

2. They also refused to send me a written confirmation if it turns out that I do not owe them or XXXX XXXX anything. Which I think is illegal. They sent me a letter claiming that I owe them money, yet refused to send a letter if it turns out that I actually DO NOT owe them anything. 

Please look into their practices, and please make these Debt Collectors to provide letters to confirm when alleged debts turns out not to be true. 

Thank you,
Product: Debt collection

On XXXX the XXXX I was garnished from my XXXX XXXX XXXX XXXXXXXX account for {$1900.00}. I also was charged a fee for this, for the amount of {$120.00}. I was garnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX ph. # XXXX ( a collection agency for XXXX XXXX credit card ). I checked my credit score a month later. I noticed that the debt was still there and increased. So I called XXXX funding to see why I still owe and how the balance increased when it was deducted from my account a month ago. The agent who works for them named XXXX XXXX is who I talked to and she told me that I was getting charged interest until XXXX XXXX XXXXXXXX released the money to them so I called XXXX XXXX XXXXXXXX to see why they haven't released the money and they said they sent the papers they needed to send back to XXXX funding and they haven't got back with them they both keep telling me the same thing and it's been 2 months now going on three and I have been charged {$300.00} more dollars and the money has already been taken from my account on XXXX the XXXX. The bank called them and they said they haven't received the form from the bank and the bank told them they needed to look to see cuz they had sent XXXX forms then the lady found the form and they still are charging me entrance and when I am trying to talk to them they are getting real rude and just prolonging this process and the meanwhile charging me interest and saying they haven't received the money and XXXX XXXX XXXXXXXX is telling me they have did they part they're waiting on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' keeps reporting inaccurate information on my TransUnion credit report, which is a direct violation of the FCRA. One month it reports as " open '' -- the next month it reports as " closed. '' The latest report showed that it " closed '' on XX/XX/2022. As of XX/XX/2022, it is reporting as " open. '' This is fraudulent and a violation of the FCRA. This account needs to be deleted from my TransUnion credit report immediately. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 2 other occasions to get TransUnion to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. On today, XX/XX/10, I entered the XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX to cash a check. 

2. XXXX, the financial services mgr., said there was an issue with my student loan financial aid check from XXXXt XXXX XXXX . He said there were 2 signature lines but only one signature. Even though the second line states the second  signature is only needed for amounts over 10k , whereas the check is for XXXX XXXX He said I should be careful with what checks I deposit. 

3. I called XXXX XXXX, director of Financial Aid, to put her on the phone with XXXX. With her on line, he refused to speak with her, saying, I'm done with you. I asked if he could pls talk to her, so she could understand the issue and possibly help other students in the future. He refused to talk with her and said I'm done with you. I said I'm not done. 

4. Security standing nearby gestured for me to leave the teller area. 

5. I asked for the district mgr. Name and number, he refused. 

6. I asked for his name, he refused.

7. I asked for his card, he refused. He said Sir you're making a scene. 

8. I walked to another branch to make a complaint with XXXX. 

9. I had to call the XXXX branch to obtain XXXX 's name, which is consistent with what I could partially see on his badge.
Product: Payday loan, title loan, or personal loan

When I purchased an engagement ring for my fianc, I entered into an agreement for a 12 month - no interest program. Wells Fargo was responsible for the financing. I was told that auto debit would be set up so that the proper amount to close the financing amount would be deducted over 12 months. Instead, the auto debit was setup to only charge me a fraction of the payment amount every month ( they call it minimum payment ) and I am now left facing not only a huge principal to pay back, but also a huge interest on the principal. The bank claims that they provide courtesy calls 30 and 60 days before to remind the customer of the 12 month ending period, but I received no such calls. It has now been roughly 18 months since the financing and despite multiple attempts to resolve this with the bank, I have no success and am ending up paying over {$4000.00} in interest alone! They will not waive any portion of the interest. I feel that Wells Fargo misleads consumers by setting up minimal payments instead of asking the customer to setup the auto debit for an amount of their choice. More importantly, if the auto debit is setup, it is usually setup so that the full amount is paid over the defined period. This is a scam that allows Wells Fargo to earn huge amounts of money at the cost of causing both financial and emotional turmoil for unsuspecting consumers. Please investigate and help protect the interests of people trying to live normal lives.