23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went into the XXXX XXXX at the XXXX XXXX on Thursday XXXX XXXX and made a {$150.00} check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took XXXX to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The {$150.00} check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to call back and they " could help me ''. I explained to the csr that I needed the items for presents for Saturday. I called Saturday morning and it went down hill from there. The ending of the story is that they are holding my {$150.00} deposit for 18 days because I made XXXX payments in a billing cycle. I have never heard of this before. So now I am out the {$150.00} for the check and {$150.00} not credited to my account. I have NEVER heard of this before.
Product: Credit reporting

I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,
Product: Checking or savings account

I've been transferring over from an old Comerica checking account, to another Comerica checking account. I've been suspicious of OD fee practices on the old account. and now i have proof that they are abusing the account Overdraft fees. 

Relating Facts : 1- I have overdraft protection turned OFF on my account. 

2- Supporting the transition to the new account, I leave very few dollars in the old account. So, when a payment appeared, I used Comerica 's transfer own online app to transfer the outstanding amount to my other account. I transferred {$300.00}. Then decided that I wanted the available balance closer to XXXX, so transferred another {$20.00} ; leaving just a few dollars in the account. 
It is worth noting, that it is my experience that this application will NOT allow you to make transfers to into a negative balance. This should support my statement of there still being a positive balance. And, indeed, there would be no reason for me to do another transfer to put myself into a negative amount - especially not when I would get a {$34.00} charge to transfer {$20.00}. 


3- Then, checking my account the next day, I saw that there was a {$34.00} account was charged. The last transaction listed was from XXXX for XXXX. 

4- They have confirmed that 'pending " transactions are updated in my balance total. 

5- Other companies authorized for charging my account with my debit, have reported to me that they can't realize the payment if sufficient funds are unavailable. ( For this, I've paid them from my new account ). 

6 - In discussing this with the bank, they tried to lie and state that I was NOT out of overdraft, until I pressed them on this and had them review notes and talk to the agent from my previous call. - As I've called and confirmed previously that I was opted out. -- -Now they admit that I was indeed opted out, but that the XXXX charge was pending and not yet posted. However, ( according to them ) my account balance would reflect this transaction even in its pending ( not fully posted ) stated. 

Summary - They allowed a charge that OD my account ( even though I was opted out of this service ) and then charged me further for the privilege. And they did this costing me fee totals greater than the amount of either transaction ( I would not and could not have put my account into a negative amount from my actions ). Either my total is not truly updated to reflect the pending transactions ( despite this being displayed as the rule on their own page ). Or, they are allowing OD charges when I was opted out, and then adding fees.
Product: Mortgage

I had a loss of XXXX income in early 2015. My bank would not work with me to modify the loan in a way that I could understand. I missed a couple of payments throughout the year. I then had some room renters in the house but they were not paying while I had to pay to live somewhere else. I called my lender to notify them that I was putting the home up for sale and asked for a balance. They told be it was $ XXXX. The home is now under contract with me bringing in an estimated {$400.00} to close. The settlement agent ordered the payoff and it is $ XXXX. I do n't have the additional money to bring to closing and am in a position to be in a breach of contract. I contacted the lender to help and they are sending me a modification packet, which is not what I need. I need a speedy short sale process for an FHA loan so that I do not have a breach of contract with the buyer and realtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion updated me on my credit report of removal of XXXX yet there still reporting an old account. I want to know why is it still on my report when it has been removed?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, Filed a report with the XXXX Police Department : Almost monthly, I have emailed XXXX XXXX notifying them that I was locked out of my account. I regained access XXXX, XXXX and there are almost XXXX inquiries on my credit report. 

XX/XX/XXXX, Filed a report with the Federal Trade Commission : Report number : XXXX XX/XX/XXXX, XXXX, XXXX XXXX Filed complaints via email and online with XXXX XXXX Privacy & Consumer Protection Department XXXX Account XXXX XXXX XX/XX/XXXX, I filed a dispute with XXXX, and it was decided in 2 days, on XX/XX/XXXX. 

XX/XX/XXXX, I filed a complaint with my credit card company ; XXXX XXXX XXXX : Case # : XXXX. I received XXXX fraud liability protection as stated in the customer agreement. 

I also submitted a statement declaring my identify theft state via my online XXXX account but I am not able to get the date at the moment. I lost access to that email and phone number associated with it due to the hacking : XXXX ( XXXX ) XXXX. 

I do however, have every document, email, video and receipt to solidify the aforementioned statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/19 with the credit reporting agency TransUnion, because my XXXX XXXX  credit card account had no credit limit amount. That has been corrected because the dispute has been completed. The new problem is that the monthly reporting of historical payment history has been updated to show monthly reporting of unknown/not reported. This information is inaccurate and needs to be updated to show accurate historical payment history.
Product: Credit card or prepaid card

My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items. Which in turn, caused harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I tried to contact XXXX twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.
Product: Credit reporting or other personal consumer reports

Ive just found unauthorized inquiries on my credit report, and I have no clue why they are there. As usual, I checked my report, but today, something was off with these unexpected discrepancies. After refreshing my browser, hoping it was an error, the inquiries remained. Please, take the time to review the documents I've provided, so I can be sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020, I have submitted to First Advantage per XXXX the background check information. Per XXXX, the background checks are suppose to returned with 1-3 days after submission. However, In this case, First Advantage failed on numerous attempts and causing a denial due to their negates of telling that the SSA-98 form request the name to appear on the company a different way. I have submitted over 9 ssa-98 and  spoke to various agents as towards them the appears suppose to be on the document. Each advised incorrect information and causing me to lose out of more than 4 job  opportunity. This now is my 5th job opportunity lost do to them and each submission is requiring a SSA-98 which, its suppose to be good for 22 days. However, I see every other agent with XXXX getting their background check completed without a problem. I think this company in acting unethical and misrepresenting information. I was advised on several occasion the refusal to submit the information to the SSA. This is unfair practice and should be investigated. All I get from the representative is attitudes as " I am the one in charge, and I am not submitting anything to the SSA. ''
Product: Student loan

XX/XX/24 Re : Failure or refusal by Nelnet to re-disclose loans after 3 months, 5 requests, and as many verbal confirmations To whom it may concern, My student loan service provider, Nelnet, has misallocated payments and refuses to apply, or correctly submit, my multiple requests for re-disclosure resulting in a miscalculation in my monthly payment amount due. 

Since paying off two loan groups in XXXX of this year, I have requested Nelnet re-disclose my loans on 5 separate occasions : XX/XX/24 ( rep did not provide her name per protocol when accepting and ultimately misapplying payment over the phone ), XX/XX/24 ( XXXX  # XXXX ), XX/XX/24 ( XXXX # XXXX ), XX/XX/24 ( XXXX # XXXX ), and XX/XX/24 ( XXXX # XXXX ). On each occasion I have received verbal confirmation that my request would be submitted and go through within a few weeks, and yet not a single request has been heeded after 3 months. 

Additionally, I have received incorrect information regarding the monthly payment amount due ( was told on XX/XX/24 by " XXXX '' that my new monthly amount due beginning XX/XX/24 would be {$1100.00} ). This is not reflected on my account and subsequent reps have disputed the figure. On my most recent call ( XX/XX/24 ), I was told by XXXX that the loans were " indeed re-disclosed on XX/XX/XXXX '', that it " doesn't make any sense '' that the monthly payment amount has not changed, and that there are indeed " discrepancies '' that need to be looked into. She would not provide a timeframe for resolution. She also could not, or would not, attest to re-disclosure in writing, nor is relevant documentation available on Nelnet 's webpage. 

Inconsistent information from representative to representative occurs on nearly every single phone call, of which I keep recordings for quality assurance purposes should you deem them worthy of investigating. 

As a result, I have received, and continue to receive, higher monthly amounts due despite having completely paid off 2 loans this year owing to Nelnet 's refusal to properly submit, apply, and/or update my account requests for re-disclosure.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 in month is late 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. 


XXXX XXXX XXXX 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: Debt collection

Veros credit collector XXXX XXXX has repeatedly contacted me at work despite being told numerous times not to. I have told them verbally and in writing to not call me at work and to not contact my employer. They have continued to do so. I had verbally told them in XX/XX/XXXX, then in writing on XX/XX/XXXX. The final and more recent time was XX/XX/XXXX.
Product: Mortgage

Fifth Third bank incorrectly processes mortgage payments as curtailments. This has happened repeatedly. I have asked the bank to please escalate this technical issue as it requires a fix in their systems but they have refused to do so. 

Each time I make a payment, the bank incorrectly processes my payment as a curtailment despite the fact that the settings clearly show it to be a mortgage payment and NOT a curtailment in their online tool. 

Every month, I have to write a message to the bank to reverse the curtailment and reprocess my payment as a mortgage payment instead of a curtailment. They take care of this manually and fix the error but it requires that I reach out to them and ask them to reverse this issue. 

However, recently, the bank has begun to cut staff due to XXXX. It also appears that they have taken down their online messaging tool so it is very difficult to contact them and ask them to reverse the curtailments. This is a significant issue and makes it very difficult and painful in order to simply process a mortgage payment. If I was not on top of this, they would be marking me as delinquent in their systems. 

These are the dates I have written to Fifth Third Bank and asked them to fix their online tool and/or reverse the misprocessed payments. I have and can provide evidence of these letters as well as correspondence received from the bank acknowledging the issue and agreeing to reverse it manually. See attachments. 

It's worth noting that I never selected XXXX XXXX as my mortgage servicer. My mortgage was transferred to their care after my original mortgage was sold. Since then, mortgage payments have been a nightmare. Literally every payment is misprocessed despite the fact that I input them into the system correctly. The company refuses to fix the technical glitch despite repeated phone calls and correspondence with them. This is made far, far worse now that they have removed electronic correspondence on their website. This means that I'll now have to call them each time to fix the issue, which will require sitting through their inundated phone tree each time and waiting for a service rep each time I want them to fix their errors in processing my mortgage payment each month.
Product: Vehicle loan or lease

To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. 
In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Notified me in XX/XX/2021 via email that instead of charging me {$450.00}, which has been my monthly installment amount that they were going to, per contract, charge the remaining XXXX dollars in XX/XX/2021. 

I was I'll prepared for this, I called and emailed proof attached asking that they not do this. 

I run a business we are cash flow tight. 

They refused to heed my warning and on XX/XX/XXXX charged {$1000.00}. To exacerbate my fragile situation, 10 days later they took the other {$1000.00}. This cause Nsf and I lost my employees trust because his payroll paycheck bounced back nsf. 

I'd this fair? 

When I asked them to refund the {$1000.00} they said no I must dispute with XXXX. 

Fortunately, my bank reversed the charge. 

My employee employer relationship has been dramatically worsened by this failure to pay. 

I never missed one payment look at my track record To further cause insult, they reported to all 3 credit bureaus that I was a 30+ late payer After all I had to borrow to pay my employee while the bank worked on reversing the transaction and our trust built relationship is ruined. 

Please reprimand this organization fir preying on weakened businesses that have barely been able to catch our breathe post mid pandemic. 

I want them to fix the late pay. I paid them their {$1100.00} including late fee added XX/XX/XXXX. Should they have been able to change the contract repayment terms mid contract and report me as a bad payor as a result of their failure to refund me the $ $ the took two times in one month? 

Should I suffer? Is this morally, ethically, or humanely decent?
Product: Credit reporting, credit repair services, 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 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 crime 's 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 or other personal consumer reports

My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; XXXX XXXX XXXX  account number : XXXX, XXXX XXXX Account number ; XXXX,
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is selling deceptive information to XXXX and Experian to damage my consumer report. Under FCRA each company is required to send me a notice to dispute this information before it was added to my consumer report. This means this debt could not have been properly validated because I received no information from either company to dispute this debt before it was added to my consumer report. XXXX XXXX did not receive any authorization from any court to collect this debt.
Product: Debt collection

Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. Acima Credit XXXX XXXX 3. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed reinsertion letters to Experian, XXXX & XXXX because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to Experian, XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.