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

These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet Equifax and XXXX still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 different accounts with DEPT OF ED/XXXX and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, with a balance of {$1300.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

This compliant is regarding an unresolved Capital One Credit Card dispute case number XXXX Capital One did not resolve the dispute initiated in the amount of {$20.00} billed on XX/XX/2021. Capital One communicated that they did not receive response to asssit with the claim. The consistent lack of providing card member support regarding disputed transactions does not meet their advertised member service and agreement.
Product: Student loan

I am filing a formal complaint against Firstmark Services for failing to process my autopayments and inaccurately reporting a late payment to credit bureaus despite payment being made within XXXX  days after the scheduled auto-withdrawal date. 

I was enrolled in autopay, and my payment was successfully withdrawn in XXXX 2024.However, Firstmark Services failed to withdraw payments for the next XXXX scheduled dates despite my autopay agreement being active. 

I manually made each payment within XXXX days following the expected autopay withdrawal from my bank to avoid duplicate transactions. 
Despite this, Firstmark Services reported a late payment to the credit bureaus, which is inaccurate and unfair. XXXX never provided written notice that autopay had been suspended, canceled, or modified, which violates Regulation XXXX ( XXXX XXXX XXXXXXXX ( d ) ). 
This is a clear violation of federal consumer protection laws, including : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ( a ) ) Requires accurate reporting of consumer credit information. 
XXXX. Regulation E ( Electronic Fund Transfer Act, XXXX XXXX XXXX ( d ) ) Requires lenders to notify borrowers before stopping autopay. 
XXXX. Truth in Lending Act ( XXXX, XXXXXXXX XXXX XXXXXXXX ( c ) ) Requires lenders to disclose changes to loan terms and payment processing. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) XXXX XXXX. XXXX Prohibits deceptive lending practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. PROVE THAT THESE ARE MY ACCOUNTS SINCE NO PERMISSION WAS GRANTED.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my response to my CFPB complaint previously sent as complaint number XXXX dated XX/XX/2023, the disputed company is using more misdirection tactics and offensively saying they apologize for any difficulty I may have experienced as a result of their fraudulent activities and violation of my consumer rights. I am providing further evidence of the escalating injury being caused to my person 's reputation and emotional well-being due to Transunion 's continuing fraudulent activity. As of this second complaint I am sending on XX/XX/2023 against Transunion, their fraudulent activity and multiple violations of my consumer rights is still occurring In the middle of an already abusive response received by Transunion on XX/XX/2023, via my CFPB complaint, I received three separate harassing and equally unwanted communications from Transunion via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, suggesting, to my disbelief, I provide feedback to make sure they are providing the highest level of customer service support ; this is gaslighting, I have attached said emails. 

I am XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and there is increasing escalation of hardship because of this extended situation with Transunion not complying. I am not able to improve my current quality of life and launch my new business because I can not get approved for any funding. I am also highly stressed out and experiencing severe relationship-ending issues as a result of how long I am feeling violated by Transunion and the agents who are trained by Transunion who bulldoze the consumer with their fraudulent internal policies instead of following the law as mandated by congress. 

It is obvious I am being treated unlawfully by Transunion. The actions of Transunion are causing injury to my personal reputation and above all, I am a consumer and I have a right to my privacy under law and as stated in 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence while is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Credit card or prepaid card

I had applied for the American Express XXXX XXXX XXXX Credit Card on XX/XX/2018. I received an approval and got the card within few days as promised. As per the Card terms, if I would spend a minimum of {$3000.00} within the first 3 months, I would be awarded with XXXX bonus points. After meeting the minimum spend criteria, when the points were not reflecting in my account, I decided to contact the customer service of American Express. To my utter shock, they informed me that I am being declined the bonus and that the same was intimated to me during application. I vehemently deny this statement, as I was not informed at all regarding this during the application procedure. This is a malpractice wherein the financial institution is luring customers with false promises of bonus reward points and later declining them. I have been a victim of false marketing and promises and would like to raise my utter concern regarding the same.
Product: Credit card or prepaid card

Expiration Date :XX/XX/XXXX {$70.00} Contact # XXXX   Called the company two times spoke to XXXX & XXXX on XX/XX/18 between XXXX - XXXX regards to reissuing this prepaid cards due to its expiration.

Both representatives rejected my request due to their policy which I believe goes against the Federal law.
Product: Credit reporting or other personal consumer reports

Discover Financial has engaged in multiple violations that have negatively impacted my credit, emotional and mental health, and placed me and my young child in a compromising position. 

Despite my account being in good standing, they shut off my access to my line of credit without prior notice, leaving me unable to rent a car while traveling. Subsequently, they closed my account without my request or consent and falsely reported it as " closed at consumer 's request. '' Even after I issued a cease-and-desist request, Discover continued to call me daily during work hours and send frequent emails, disrupting my ability to work. 

These actions are unfair, misleading, and have caused significant harm. I am seeking {$4000.00} in damages for these violations, plus removal of any and all late fees from this account, as well the removal of negative reporting from my credit reports and request an immediate resolution.
Product: Debt collection

I lost my wallet on a thanksgiving family trip and since then i have been seeing these fraudulent accounts on my credit.
Product: Vehicle loan or lease

Colonial auto finance Repossession of the vehicle, account closed. 
Remaining balance due XXXX $ Original balance XXXXXXXX XXXX XXXX XXXX paid off Account opened XX/XX/2016
Product: Credit reporting or other personal consumer reports

Viewed credit report and it shows that XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXXXXXX XXXX, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Last response from Transunion they were going to update the payment history and it was not done. Per XXXX XXXX XXXX, it is reporting correctly.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the Equifax Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless
Product: Debt collection

This collection has already been and a judge has dismissed the attempt to collect this debt. Documentation is being submitted to the credit bureaus from the courts.
Product: Checking or savings account

The bank usually gets my ssdi payment on the XXXX of every month but the last few months they have told me that the money was in the account 5 days earlier on instead of the XXXX of the new month they said it was available 5 days earlier on the last few days of the month instead of having to wait another 5 days for the deposit to be made. So in example I was told by the banking website from Wells Fargo that on XX/XX/2023 that the money was available then on the XXXX they said that I was in bad standing with no explanation and alot of nsf fees look at the bank statements that I uploaded you will see what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Product: Credit card or prepaid card

I have been an American Express customer for more than 5 years, frequently using their cards and amassing membership reward points. I went to use the points today that I have used over the years and was unable to. They are " reviewing '' my account, but are unable to tell me when the review started, what triggered the review, or when I would be hearing back regarding the review. Furthermore, I was not contacted about this review - only my own attempts to use the points demonstrated the review implemented. 

I have {$4000.00} in points being held hostage with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. XXXX will not remove this account, unless you tell them to!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court CFPB FAIR resolution
Product: Vehicle loan or lease

Ally is saying that my XXXX payment was 30 days past due in XX/XX/XXXX. My payment was not past due. I made what they call an " extension '' to change my due date. The rep told me to pay {$990.00} on XX/XX/XXXX and that my account would be considered current and my next payment would be due on my requested due date, XX/XX/XXXX. Apparently due to some 'error correction '' on their part, my payment was not posted to their system until XX/XX/XXXX. I made the payment on the XXXX and it posted to my bank on the XXXX. They know this and it shows this on my payment history on their online portal, but they refuse to fix it saying that I have been late in the past. I am not asking them to change any payments that were actually 30 days late last year. I am asking them to correctly report that XX/XX/XXXX payment was not 30 days late, because it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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  Balance : {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I made a purchase using Klarnas Pay in 4 plan and selected my XXXX credit card as the payment method. Klarna successfully charged my credit card for the first installment of {$8.00}. However, when subsequent payments became due on XX/XX/year>, Klarna did not process the charges to my credit card. Instead, they falsely claimed that the payment could not go through, even though my credit card had sufficient available credit. Additionally, the error messages stated that " Failure to pay now will result in late fees, '' pressuring me to resolve the issue immediately. This has happened multiple times with both my XXXX credit card and XXXX  credit card. 

As a result, Klarna requested payment through my debit card only. I contacted Klarnas customer service on XX/XX/year> via phone and to spoke XXXX to resolve this issue. I was told it was a system error and that Klarna no longer accepts credit cards at this time. This contradicts Klarnas publicly stated policy : " Klarna accepts major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted. 

Please note : XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 
We do not accept credit cards as a payment method for Financing or purchases made with the Klarna Card. '' When I asked for proof that Klarna does not allow credit cards at all, XXXX told me she could not provide it. 

Despite my attempts to rectify the situation, Klarna forced me to use my debit card to complete payments on XX/XX/year> for {$8.00} and {$7.00}. I did not agree to use my debit card for these payments, and Klarna provided no valid reason for refusing to charge my credit card except for " system error ''. Their actions caused financial inconvenience and an impact on my ability to use Klarna.
Product: Credit card or prepaid card

On two separate occasions I applied for a CitiBank credit card with the 0 ( zero ) interest for 18 months. On both occasions I was denied. On the second attempt the response from CitiBank was that I was denied credit because of the legal resolution of a bankruptcy. That bankruptcy occurred in the mid nineties. I do know that my bankruptcy will be noted on financial papers probably for the rest of my life. I also know that 7 years after the bankruptcy I should have been able to re-establish credit.I did. And, my financial picture has turned around. Well, all of this happened 23 years ago. I also know that any company may choose to deny credit to me. The question I have is whether a company is allowed by law to deny credit based only on how a bankruptcy was adjudicated? The irony is I have a CitiBank card in good standing. I just wanted to take advantage of the companys advertising of a zero interest credit card.
Product: Student loan

Navient 's website is laggy and out of date. Information is difficult to access and identify to efficiently manage my account. 

They should have an easily accessible account summary page that allows to get all frequently needed information for each loan without having to click and load a new page. The load time is lagging and the site occasionally crashes. A financial servicer like Navient must have a good reliable website that doesn't make frustrate repaying. They should look to emulate XXXX XXXX account website.
Product: Debt or credit management

I used Lexington Law to try and improve my credit score and was charged fees and they did not improve my credit. I believe that I should receive a refund from the judgement that was issued back in XXXX XXXX XXXX 
Thanks XXXX XXXX
Product: Debt collection

ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.