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

TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022
Product: Student loan

I has a several student loans held by Sallie Mae. These loans were transferred to XXXX. I was never in default or had a missed payment. https : //myeddebt.ed.gov/ has confirmed this and so has the Dept. of Education. I consolidated my loans, then my loans got transferred to XXXX. XXXX is incorrectly reporting that I was 60/90/120 days late. This is incorrect, I was in school, my payment were deferred and in forbearance. Before Sallie Mae received this loans, XXXX originally held them. However, XXXX still will not remove the incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit again : the Experian just closed the case. He ask me to sumbit my details but no email address. How can I do? Where should I send my information? Just close the complaint case is over? 

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give me support. 

My email is : XXXX XXXX
Product: Credit card or prepaid card

I have a credit card account with Capital One, on XX/XX/2020, days before the due date, I summitted a payment to pay off the balance, unbeknown to me, Capital One, a week later on XX/XX/2020, had continued to charge me with an interest fee on the paid off balance. This charge lead to Late Fees and more Interest Fees for three consecutive months. 
After calling Capital One to resolve the matter, the wrongly charged fees were waived, but they offered no explanation for the mistake, nor any reinsurance that this type of incident would not occur again. 
My complaint is, why was this error not corrected by the bank, and therefore avoiding damage to my credit score, before me having to call them on a matter that is self-evident, and is this a common practice with Capital One, charging interest fee on the previous months balance for their monetary gain.?
Product: Credit card

Unilateral Flight Change and Improper Charge by Chase Travel On XX/XX/XXXX, I received an email from Chase Travel notifying me of an change to my flight reservation. The email offered the option to accept the change or contact Chase Travel for assistance.

In the evening of the same day, I contacted Chase Travel by phone to request an adjustment to the new itinerary. The representative acknowledged my request and collected my contact information, stating they would process the adjustment. However, after a brief hold, the call was abruptly disconnected. 

Upon checking my email, I discovered that the original, undesirable change had been confirmed without my consent or the requested adjustment. Assuming this was an error, I waited for a callback from the representative, but none materialized after XXXX minutes. 

I subsequently contacted Chase Travel again, reiterating my request for the originally agreed-upon adjustment. To my surprise, the customer service representative disputed my claim, stating that the system indicated I had accepted the original change without requesting any modifications. This claim was repeated by a supervisor despite my repeated assertions that I had not authorized the original change. 

The supervisor offered to file a complaint on my behalf, but as of today, XX/XX/XXXX, I have not received any confirmation or update regarding this complaint.
Product: Debt collection

I do not recognize this account and tried to dispute it. There is no proof that I used their services or goods.
Product: Debt collection

I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX  and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Product: Debt collection

This letter is being sent to re-open my complaint ( Case XXXX ) with CFPB against Midland Credit Management . 

I have no relationship with Midland Credit Management. My account was sold to Midland Credit Management after being denied a payment negotiation with Citibank.

Since filing a complaint with CFPB, Midland Credit Management stated that they would put me on a payment plan under the conditions that I sign a contract. This happened XX/XX/year> I then made a counter claim through CFPB for {$1500.00} in XX/XX/year>. However, my case with CFPB was closed. In XX/XX/year>, I contacted Midland Credit Management and spoke with a paralegal and offered the {$1500.00} settlement to them directly. I was denied and told that I needed to pay over {$8000.00} to settle. 

In addition, Midland Credit Management has attempted to contact me without properly identifying themselves. Each time they have called, they have asked if they were speaking with me. My response has always been may I asked what you are calling in reference to, and they have always said it is a private matter. Midland Credit Management is trying to manipulate me into giving information so they can trap me into agreeing to pay something to them. They also have used intimidating language such as wage garnishment and they are cruel. 

I learned that if a consumer has a {$600.00} debt or more, the debt can be cancelled and used as income per 1099-c code, which is something I am willing to do. However, I was still denied. Now, I have to appear in court on XXXX. 

This year, I have a had a decrease in income. In addition, I no longer have housing. I have temporary housing. This debt is cumbersome and has added to my stress. I have been affected mentally and physically. 

If I am not able to get a fair settlement, I fear that my wages will be garnished or that I may have to file bankruptcy. 

How is this fair to a consumer with financial hardship?
Product: Credit reporting or other personal consumer reports

After careful review of my consumer report, I still noticed that you furnished inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to opt-out of reporting these accounts on my credit file pursuant 16 CFR313 and The Privacy Act of 1974. Im opting out all information thats not accurate and pursuant 15 USC 6802, 15 USC 6803, 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` Baker Legacy Preservation Trust ''. Therefore, any negative accounts listed on my consumer report is inaccurate and erroneous and must be DELETED from my credit file. My consumer report should be free and clear of any negative and false items. -Please See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Navy Federal Credit Union which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with NFCU was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. 

I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
Product: Checking or savings account

Opened a/c XXXX/XXXX/20. On XX/XX//20, completed payroll direct deposit reqt. of XXXX {$500.00} within 60 days to qualify for {$200.00} bonus. Bonus should have been awarded 90 days later ( XXXX/XXXX/20 ). I've called twice & both times was told yes, bonus would be credited with 2-3 business days but have yet to receive it. Bonus code was XXXX.
Product: Credit card or prepaid card

I started a first case and received a response from Self but now creating a second contingent case from the first case : XXXX ; Related to the feedback provided and the unfulfillment of their response. 

I received a letter stating all 5 transactions : XXXX XXXX ( {$21.00} ), XXXX ( {$31.00} ), XXXX ( {$1.00} ), XXXX XXXX  ( {$1.00} ), XXXX XXXX ( {$1.00} ) will be permanently credited back and that the XXXXXXXX XXXX charge that came after this complaint is still being reviewed. I received 4/5 transactions from that date and still owed {$1.00} from 1 out of 2 duplicate XXXX XXXX transactions. 

They are still charging interest while not even giving back the amount they said they were. I do not think its acceptable to wait for such a small amount they shouldve been owed and is now affecting my interest fees. It is not fair for me to pay the amount including what I am owed. The interest is also being made off of an amount I do not owe, it should be deducted from the amount I was supposed to be credited. I tried emailing them on multiple occasions and called to get no help by phone and one representative told to me to contacXXXX XXXXXXXX. No one ever responded from that email/department.

A representative from XXXX  after several emails stated that the other transactions were approved but that one is still pending and can take upwards of 90 days and to allow proper time. 

That does not make sense regarding that the other transactions were credited back and the {$1.00} from XXXX XXXX came out twice but only one was credited back and it is all part of the same dispute. 

Secondly, the dispute that came after this one was credited back so how is it that an older one that was promised did not come back and still processing. 
Why is now that amount part of the calculation for my interest as well? It should not be so.
Product: Student loan

My wife is currently enrolled in the Public Service Loan Forgiveness ( PSLF ) Program, and has been working at a XXXX ( XXXX  ) XXXX since XX/XX/XXXX. In XX/XX/XXXX, she submitted an employment certification form to verify her umber of qualifying payments to then be 22 in total. XXXX instead recognized 12 of these payments. The discrepancy relates to the transfer of her loans from XXXX to XXXX when enrolling in the PSLF program, not any disqualifying factors for the loans held. They are the correct types of loan, are consolidated, and she has been making appropriate and timely payments. 

On XX/XX/XXXX, we called XXXX to fix the issue. The customer service agent agreed it appeared all of the payments should be qualifying, and flagged her account for a fuller manual review to rectify the number of recognized qualifying payments. We were told this should take 90 days. On XX/XX/XXXX, we called again. We were told that it actually is a 60-90 days window, but that there is a backlog of reviews, so it could take longer, and that we should call by XX/XX/XXXX if the account didn't appear correctly online before then. On XX/XX/XXXX, we called and were told that the agent can see the review as pending in the system, that it still has not been completed, and that the backlog is between 4-5 months, and to call back " in several weeks ''. We are now at 133 days from the date of original follow up, and even further past the original date of form submission ( XX/XX/XXXX ). We have no resolution, and no one can tell us when we can expect any resolution.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  - XXXX {$1000.00} XXXX XXXX - XXXX {$170.00} XXXX XXXX  - XXXX {$260.00} XXXXXXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$2000.00} XXXX - XXXX XXXX - XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

My account with American Express - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

American Express - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

I received an unsolicited letter from a local One Main Financial office. Their requirements are not clear/not conspicuous and the letter itself was very misleading. In addition, the letter flat out lied about me having excellent credit when my credit is just fair to average at best. Further, the misleading mail solicitation implied my credit had been reviewed/screened and also implied that to get a personal loan, that all I had to do was bring in the " Pre-selected Certificate. '' I am certain XXXX if not XXXX of other people are being misled by this company 's solicitations and " marketing. " When calling the company prior to applying, they are evasive and refuse to directly answer the question of if there is any credit score they will not accept. They instead repeatedly tell you to apply online or in their office. 

I am very upset that I was misled by this letter, took my time to go to their office where I received poor customer service, they acted as if they were happy to be alone and a bit irritated that a customer had walked in and then declined receiving a hit to my credit score which had just recently been boosted a bit by diligent efforts to improve it. Because I met the basic requirements of income above {$20000.00}, proof of ID and no BK filings and because I had the " Pre-Selected Certificate '' I thought I would be approved. That is truly how easy their misleading solicitation makes it appear. 

As far as their lackluster customer service, the person who " helped '' me then proceeded to collect personal information about me seemingly in an attempt to get me out the door faster, there were no pleasantries or even a pleasant attitude. It truly made me feel as if perhaps she determined that I was not eligible and was just quickly going through the motions even before she had all my information. 

The letter is extremely misleading, even when I called the branch manager listed on the letter she said that they do not view or pull your credit despite having a letter in my hands that referred to my " excellent credit. '' I told both the branch manager and the person who personally took my application that I am very upset that I was misled and that their company is casting a wide net, ensnaring many who they refuse to help and actually harming credit-wise in their misleading attempts to get more business. 

Neither of the XXXX, including the branch manager offer any resolution. The branch manager only said she can take my complaint, that is not resolution and makes me believe this is how this company gets it 's customers ... by misleading a significant number to get a smaller number they truly want. This company needs to have swift action taken against them for misleading people through their unsolicited solicitations and marketing.
Product: Debt collection

Hi I called the company to try to dispute my collection of on my credit report that was already paid and he told me that they could not take it off because of whatever reason they didnt see it and I asked him why because my account was already paid for and I dont understand what was the issue so he was giving me a hard way to go. Ive been stressed out I know what to do Im trying to buy a house and theyre holding me up from taking the collection of my report.
Product: Debt collection

I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly XXXX XXXX Balance : {$360000.00} XXXX  XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Checking or savings account

My son XXXX XXXX is in XXXX  this is his account I called chime told them the situation they told me to get power of attorney from my son. I did then it wasn't goid enough I had to get a di type power of attorney they said that's all they needed then I could close his account get his funds sent to me but that hasn't happen every day it was something else something new they wanted. The chime bank is just trying to keep my son s funds bc if they had a problem with the account they would of closed it down them self contacted me. I contacted XXXX them about resetting my password no they blocked me out of my own account. When I ask to close account get my fund s it's been XXXX  XXXX  they want pay my funds to me.