23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
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 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: Student loan

Earlier this year, when Navient notified me via email on XX/XX/XXXX, that my student loan payment would increase, I followed the online link to renew Income-Drive Repayment for another 12 months. I received confirmation from Navient that my IDR had been approved via email on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Navient that my monthly payment would increase to {$620.00} as of XX/XX/XXXX.

I sent an email on XX/XX/XXXX, to the Office of the Customer Advocate, posted on the Navient Web site as  XXXX, with the following email : " Dear Navient advocate : Thank you for reading this letter. 

I just received an email from Navient stating that a payment of {$620.00} -- the full amount that would be due under a non-income-based repayment plan -- is due on XX/XX/XXXX, despite my having renewed my request to Navient for an income-based repayment plan earlier this year. In fact, Navient sent me an email on XX/XX/XXXX stating that my IDR had been approved. My payments for the past year have been {$220.00} per month.

A payment of {$620.00} is nearly half what I pay for rent. I work part time as an XXXX XXXX   and am unable at this time to make payments that high.

Would you please investigate this matter and adjust the amount due? Thank you.

Regards, ( my name ) '' On XX/XX/XXXX, I received another email from Navient stating that a new loan document was available and to log in to my account. When I logged in, there was no new document. There has been no response at all to my email of XX/XX/XXXX.
Product: Credit card

I currently have fico scores of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My reports show perfect payment history and XXXX old collections, both of which have been paid in full. Repeated attempts to obtain a basic Capital One card have been failures, except the approval for a secured card which I recently closed due to this issue and I do n't need another secured product. General internet searches show that my credit file and scores exceed Capital One underwriting requirements for a basic card. I work with a person, I have seen his credit file multiple times as he has asked me to help him resolves some issues, who has lower scores plus multiple negative accounts, plus XXXX medical collections and a federal tax lien. This is factual information. Based on this and XXXX extending me XXXX in retail credit ( they use the same reports CAP ONE does ) and my credit file profile, I believe Capital One is participating in discriminatory lending. I come to this conclusion because no other rational reason exists for the denial in credit. While I understand I am not specifically entitled to anything, by extending credit to individuals with lower scores and credit profiles, capital has violated my rights as a consumer and FCRA guidelines. Credit Pulls Database shows scores of individuals with credit scores in the high XXXX being approved for a basic Capital One unsecured cards. I can provide documentation to support my claims about my score, credit profile, payment status, credit utilization, etc. I talked with CAP ONE executive resolutions and they said one reason for denial was high balance? number of unpaid balances. Less then XXXX of my available credit has a balance and my utilization is below 15 % consistently. Once again, based on their claims and my knowledge of my credit, I believe I am being discriminated against. Thanks for your time with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX accounts that are inaccurately reported as charged off and consumer remarks states profit/loss write off yet I have not received a XXXX indicating cancellation of the debt. Please investigate and remove this account if it can not be verified due to inaccurate reporting. 

If XXXX XXXX has charged off this debt they should have issued a XXXX. The absence of a XXXX indicates that the debt is still considered collectible, which is inconsistent with the charge-off status. Please either remove the charge off status from XX/XX/year> to beginning of charge off reporting or send verification of debt cancellation through XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I see inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A. States I have a the right to privacy.

15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1692C 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 collect may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Student loan

I applied for an XXXX XXXX XXXX plan and I received a determination with all the pertinent info including a monthly payment of {$75.00}. It was an email to log on into Navient account website which I did and there I found all the information. I was out of town working at the time so I could n't copy it and get it into my computer to keep a record of it. I never recieved anything further from Navient until this month notifying me I am behind in payments. I went back to my Navient account page and the determination was gone and there was no change of payment, Navient saying I was behind at the rate of almost {$500.00} a month. There is also no record of the XXXX plan. I tried emailing them in response to their behind-in-payment email but they will not accept it. So now I am right back where I began last fall when I applied in the first place.
Product: Credit reporting or other personal consumer reports

account reported on my credit report under CKS prime and XXXX XXXX # XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. account reported on my credit report under CKS Prime Investment XXXX XXXX XXXX XXXX XXXX is inaccurate. This debt has been paid in full, as confirmed by the attached settlement letter from XXXX XXXX  Furthermore, the current reporting agency no longer owns the debt, as it has been transferred to XXXX XXXX ], which provided me with a validation letter. 

Despite the resolution of this debt, the account continues to be inaccurately reported, negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this item be promptly investigated and updated to reflect accurate information or removed if it can not be verified.
Product: Debt collection

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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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: Checking or savings account

On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX ( teller ) for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of PNC bank. PNC bank took this out of my account because they say the money order was cashed on XX/XX/2021 and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED AGAIN ''. WHAT THE XXXX? WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futhur. This is ridiculous. My ex is in contempt for alimony for this. My account is {$120.00} in the red because of this.
Product: Debt collection

In XX/XX/2012, I was preparing to XXXX to XXXX so I went into the XXXX XXXX website to fix allotments to make sure that my finances would be taken care of while I was XXXX. I accidentally deleted the allotted for SNAAC. I had no idea until XXXX XXXX who happened to a Representative for them at the time made attempts to contact me in XXXX by email, but since I was often out on missions she was unsuccessful. She contacted me via XXXX XXXX which in hindsight seems to me like an peculiar way to contact someone for debt collection. She threatened to contact my XXXX XXXX at the time, which she either did or someone from the Rear Detachment at XXXX XXXX   gave her XXXX XXXX 's email or relayed the message because I got a stern talking to from XXXX XXXX about paying my bills on time and threats of XXXX if I didn't take care of the problem. I took care of the issue as soon as I was able to get to a computer and then applied for refinancing with XXXX XXXX XXXX XXXX upon my return to the United States.
Product: Credit card or prepaid card

Capitol One charged me an annual fee for a card that doesn't have a fee. I switched cards and the new card doesn't have a fee. If I cancel my account I don't have to pay the fee. If I keep my account I have to pay a fee on an account that has no fee. I am in the middle of getting a loan and I don't want the credit ding with cancelling - otherwise I would of cancelled already. And they know this and are holding me hostage. If I have a card with no fee wave it. This is ridiculous.
Product: Debt or credit management

I received a " settlement offer '' via XXXX XXXX XXXX XXXX. This settlement offer was in relation to Identity Theft and XXXX involving payments for charges that were never made by me. These payments were never applied due to the funds never being posted ; however, XXXX XXXX XXXX continued to charge late fees, increasing the alleged debt amount. To top it off, XXXX XXXX XXXX restricted my access to my accounts, upon which I made numerous attempts and requests for access. The reference number for the " settlement offer '' is XXXX from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have let this go on much longer than I really should have but I was trying to give XXXX, XXXX, XXXX, and the Credit Bureaus the opportunity to correct their mistakes but all they're doing is running me around in circles every month and I'm fed up. Since about XX/XX/XXXX, I have been working on my credit and have made great progress... that is until I learned that there should be no late payments on my XXXX XXXX  if they occurred during the pandemic. Well, there are XXXX XXXX  XXXX XXXX  accounts where I was unfortunately late in XXXX and XX/XX/XXXX. I have requested several times for these late payments to be removed under the CARES Act but XXXX has gone several months of not responding to me and the credit bureaus have spent the last XXXX years " verifying '' the late payment also NOT complying with the laws set in place to help people through something that we literally had no control over. 
XXXX has also not stood on their end of a deal that was set where they sent XXXX of my accounts to collections. I paid the collections and the XXXX charge-off reportings were supposed to be deleted from my credit report. Well, they have been reporting every month when they should have been deleted back in XXXX when I paid them. I just don't understand how they are able to go this long doing this. What is the point of the laws if these companies and the credit bureaus aren't going to follow them? Month after month since XX/XX/XXXX they broke the laws. The FCRA, XXXX, and even XXXX.
Product: Debt collection

Repetitive and harassing phone calls throughout the day with robocall messages left for several. The amount of phone calls being made by Citibank is excessive and harassment violation fair debt collection acts 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 3 phone calls on XX/XX/2020 at XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX 4 phone calls on XX/XX/2020 at XXXX, XXXX, XXXX, and XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, I notified Truist Bank security team that I had a fraudulent wire transfer sent from my bank to their bank. I tried to give them the account information. I did not ask for account details I requested they flag the transaction until they could speak with my bank. They REFUSED. They would not even collect their account number from me that the fraudulent wire was sent to. I requested to speak to a manager and was put on hold in excess of 20 mins. Then the call dropped. I called multiple times to request swift resolution/action before the funds could leave their bank. They REFUSED and kept redirecting me to my bank. There are zero after hours procedures/protections in place for consumers when these activities take place within these banking institutions Truist Bank and XXXX. Im disappointed with the level of disconnect and follow through on a bank wire transaction
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX i recieved a loan agreement letter from XXXX XXXX of lending tree ... .after several days i was called saying since i didnt have online banking i would have to send {$200.00} on itune giftcards. which i did ... i was then told i would have to send {$250.00} more. i asked to be reimbursed for the {$200.00} i had sent and was told no. 
during the time i been trying to file this i have been called 17 times from the number XXXX being harrassed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this credit account XXXX XXXX XXXX XXXX opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, the creditor American Express has Violated my Rights on this Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason at all. 
American Express Reported alleged late payments to XXXX, XXXX and XXXX without notice & without written consent which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

ACCOUNT : XXXX XXXX XXXX XXXX Account number:XXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX
Product: Credit card or prepaid card

For the last 5 months they are posting my payments XXXX XXXX to XXXX weeks after I have paid them so I occur a late fee!!! 
I have attached the examples : On XX/XX/XXXX my balance was XXXX due XX/XX/XXXX I paid XXXX on XX/XX/XXXX They never rcvd and posted it on XX/XX/XXXX statement, thus I was charged a late fee plus interest. 
On XX/XX/XXXX my balance is now XXXX with added late fee and interest. I call and they said they will refund me late fee so all I owed was an additional XXXX, though it didn't make sense I paid that amount. 
On XX/XX/XXXX my balance is XXXX with a refunded late fee and a new late fee charge and now it's XXXX. I made a payment XXXX on XX/XX/XXXX it was due on XX/XX/XXXX... again they posted XX/XX/XXXX. They called me and I then paid an additional XXXX. Called them again to try and resolve this because I bought 1 item for XXXX in XX/XX/XXXX. 
I asked them what is my final balance on XX/XX/XXXX they said XXXX which i gave them over the phone and I told them to close my account. 
well that posted late and my balance is XXXX. 
All I am doing is paying late fees and interest!!!! I can never get ahead!! 
Please Help me!!!!! It is not reasonable to post payments so late so that I incur this late fee every month. I don't PAY LATE!!!
Product: Mortgage

I had mortgage payments deferred from XX/XX/XXXX onward. In XX/XX/XXXX I tried to make a payment to Fay Servicing but they refused my XXXX payment insisting that all deferred payments were dueXXXX XXXX rules for deferments required deferred payments to be moved to the end of the loan if agreement could not be reached by the servicer and the borrower. I did not agree with Fay. In XXXX of XXXX I was diagnosed with a XXXX XXXX XXXX and was contending with XXXX from the XXXX. I received notification from the XXXX XXXX XXXX XXXX that I had missed their deadline to respond. They had tried to reach me by phone but Fay had provided them with an incorrect phone number. I then started working with XXXX a non-profit mortgage counselor, to apply for the Homeowner Assistance Fund program ( HAF ) to repay back mortgage payments. At the end of XXXX I had XXXX to remove the XXXX XXXX and was XXXX  for a week. During XX/XX/XXXX I was heavily medicated following XXXX. In XX/XX/XXXX I continued with my application to HAF. Fay had set a foreclosure sale date of XX/XX/XXXX for my home. I contacted Fay on XX/XX/XXXX and also on the XXXX informing Fay that I was working with HAF. HAF contacted Fay on XX/XX/XXXX asking them to postpone the sale but Fay refused. Fay later claimed they had no third party authorization for HAF but I had provided that to XXXX  on XX/XX/XXXX, and HAF received it on XX/XX/XXXX.
Product: Credit card or prepaid card

American Express Serve Pre-paid Card The pending transaction becomes a posted transaction yet Serve will not release the hold/pending transaction. I discovered this recently as I was alerted my card was in the negative. When I looked, I had pending and posted amounts for the same transaction. There were two transactions. One each to XXXX and one to XXXX XXXX lines. I called Serve and they told me that when the merchant finalizes the transaction, the pending/holds will go away. I questioned this because both transactions had posted. The posted amounts matched the final amounts as expected ( slightly different from the hold/pending amounts ). I am having the same issue once again with a restaurant transaction. In looking at reviews, it seems this is a common practice for Serve Prepaid cards and that a number of other users have had this same issue. To me as a consumer, it doesn't feel right. Either it's posted or pending. Not both. Their response is that it can take up to 30 days to clear out the pending. How can that be legal if the transaction has already posted? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Going through my bank account statement and seen that the Transunion Credit bureau had with drawn XXXX out of my account on XX/XX/2020 I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mo XXXX I called Transunion ask about transaction they told me I upgraded my account I told them there would be no reason I would do that I had just was trying to stop all the emails they where sending daily Why would upgrade that would make more emails I asked who made the decision to take XXXX out of my checking account and how did you get my account number and how did you .know if I had enough money in that account they said that I gave them my information either on phone online I know XXXX  well I did not they will not give me my money back said i have to go to my Bank that is not right I did nothing my Bank did nothing they got XXXX free sitting lying And I KNOW they got my information which I am suppose to trust I want to sue them which there is filed already for another case with one of those unsecured company 's that say they are secure I really fill safe with this government that that I just said i feel secure was a smart XXXX comment at this time my copier is not working have to buy a new one but as soon as I can I will get you a copy of my bank sccount
Product: Credit card

On Wednesday XX/XX/year> at XXXX, I called US Bank XXXX XXXX ) to inquire on my XX/XX/year> credit card statement. 
My account summary was as follow : previous balance : {$84.00} payment {$84.00} purchases {$1000.00} new Balance {$1000.00} {$7.00} INTEREST CHARGED on XXXX I confirmed my payment of {$84.00} was not late. 
I confirmed with the representative that the interest charge was correct. 

Since the statement date was XXXX, they are charging me interest on purchases for items that they had not even included on the last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I am unfamiliar with. I was able to call XXXX to have these removed within 24-72 hours, but when I called XXXX I was given a laundry list of tasks that need to be completed in order for this to be possible. Pursuant to U.S. Code 1681, this is neither fair ( reasonable ) nor equitable. 

I have attached a list of the inquiries in question.