23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It appears that the company is overcharging interst for purchases made. As the attached statements show purchases made at any time ( even the day before ) the statement closing date are charged a full month 's worth of interest on that charge on the next closing date whether it was purchased it one day before the statement closing date or three weeks ago. 
Over payments are not allocated to highest interest rate charges first, every single month my over payments have been applied to PAY OFF my zero interest promotional charges. So despite paying both my promotional payment and an amount necessary to pay off interest bearing charges before my statement closing date, they apply the payments ONLY TO THE PROMOTIONAL balances and charged me interest. When I called to dispute this the customer service rep was rude and absolutely no help whatsoever. 

On XX/XX/2021 when I called to inquire why promo balances are being paid off instead of applying overpayments to interest bearing charges, I was told that there is a drop down box on their website to choose to allocate my payment to my non-promo balance, I was literally on the website in the payment section while speaking with her and and there was no way to allocate my payment. She then told me the only way to allocate the payment is to call in and ask a customer service rep to do it. 

I had called on XX/XX/2021 and asked to pay off my promotional balance, the rep told me the amount to pay, took my payment ( XXXX ), then when I asked if I had a zero promotional balance he told me that it wasn't allocated to my promo balance and he would have to put in a request to apply it to my promotional balance and I would see it in the next 2 to 3 billing cycles which completely defeats the purpose of paying off a promotional balance to avoid interest charges. 

Today ( XX/XX/2021 ) I received the attached letter stating that they could not accomodate my request to allocate my payment because federal regulations require that over payments be applied to highest interest bearing charges first. Which is absolutely not how any of my payments have ever been applied considering they have been applying my overpayments to 0 % interest promotional balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over 6 years since the last activity and the information will drop off soon XXXX XXXX closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
XXXX XXXX
Product: Debt collection

On XX/XX/2021, I made a purchase with Ashley Furniture. At this time, they charged my XXXX  XXXX account {$350.00} and the remaining balance to my synchrony credit card. When the furniture went to be delivered, they didn't have the correct pieces and the transaction was cancelled due to non-delivery of goods. After the cancellation was completed, Ashley furniture still charged my XXXX  XXXX credit card and only offered a refund of XXXX instead of the {$350.00} I had originally paid. I then filed a dispute with XXXX  XXXX and had my money returned ; however, Ashley furniture now charged my other credit card for the XXXX that were disputed ( XXXX downpayment - $ XXXX {$230.00} ). I have been fighting this with both, the store and the creditor for almost a year and have exhausted all avenues. I am being charged {$230.00} for goods that were not received and have had to fight exhaustively to make it right with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a hard inquiry appeared on my Equifax credit report that I did not authorize. I contacted Equifax, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with XXXX.
Product: Money transfer, virtual currency, or money service

Description of Complaint : On XX/XX/2022, I used Zelle, thru my XXXX XXXX Account, to send money to my son. I was in Arizona and he was in Missouri. I had done this many times without problems, using his phone #. Today, however, it failed. I tried a couple more times and it continued to fail.. As my son learned, later, this was due to the fact that his debit card had been compromised and he had a new number and he failed to add the new card to his standalone Zelle app XXXX His current bank, XXXX XXXX XXXX  in XXXX XXXX, XXXX, therefore would not accept the money. On XXXX, I phoned my bank and advised them what was going on. The person I spoke with, a Zelle rep I would assume, told me to use his e-mail address. I told her I did not think he used it anymore. She said " TRY IT ANYWAY. '' I did and she said it went thru, I was good. Of course, it DID NOT work because this was one he had used with a previous bank, XXXX Bank and with a debit card that was no longer any good. His app was with XXXX. HE HAS NEVER RECEIVED THE MONEY. XXXX did an investigation and said everything went thru. Zelle told my son, and sent him a print out, showing all the failed ones, but NO completed transaction. I am so angry that a company can just take your money. there were XXXX FAILED notices for {$400.00} each on XXXX. There were XXXX Failed notices for {$400.00} on XXXX and XXXX for {$450.00} on XXXX. The one in question is Confirmation # XXXX on XXXX for {$400.00}. I was able to send him XXXX and XXXX after he corrected his debit card with XXXX XXXX. We have talked until we have NO talk left. There seems to be no one that has any idea where this money is. Is that how ZELLE stay in business? My phone # is XXXX. XXXX ' is XXXX. XXXX choose not to send bank account info thru this email. Thank you for looking into this problem and helping me/us with a resolution. XXXX
Product: Mortgage

In XX/XX/2021 I, contacted Nationstar Mortgage LLC D/B/A MR. COOPER to make the lender aware that we the borrowers were not able to pay the {$23000.00} due on the Balloon loan as of the XX/XX/2021 maturity date and needed to know what our options were. I was told that there were 2 options : a loan modification or refinancing but was encouraged to refinance. I applied for refinancing but was denied. Reason : debt to income. 

In XX/XX/2021, I decided to apply for the Loan Modification but was told the Investor was no longer doing loan modifications and was encouraged again by customer service to submit an application to refinance the Balloon Loan and was referred to a Loan Officer. I made him aware that my 1st application was denied. After his initial review of our information he said we should move forward with a 2nd application because he believed we would be approved. Thus, the process begun. The loan officer later told us that our application had been approved. More than once, I reminded him that the 1st application was denied and asked what made the difference the 2nd time? He said because our income was from Social Security and Pension, we were good candidates for refinancing. We complied with all the requests : paid {$590.00} for an appraisal, e-signed many company generated documents, submitted several requested documents, communicated with the loan officer and loan processor by phone and email several times. 

After several weeks, we expressed our concern about the process going beyond the XX/XX/2021 maturity date of the loan to the loan officer, the loan processor and customer service and each time, we were assured the refinancing would override the default. The Loan Estimate Fact Sheet changed several times ( approx. 5 times ) and each time we asked for an explanation. The loan officer told us, we should close by the end of XXXX. Instead, on XX/XX/2021, we received a Statement of Credit Denial Letter ( attached ). It states, " Poor credit performance with us. '' When the loan was transferred to Nationstar Mortgage, they were authorized to automatically withdraw the payment on the first of each month. Nationstar discontinued the automatic withdrawal effective XX/XX/2021. Since then, we received letters offering assistance and referring us to a single point of contact ( SPOC ). Our attempts to contact the SPOC on numerous occasions were unsuccessful. However, I connected with a Call Center representative who referred me to the Loss Litigation department who then referred me to a Reverse Mortgage lender, Hope and HUD. 

On Tuesday XX/XX/2021, we removed from our mailbox a letter dated XX/XX/2021 from the Attorneys representing Nationstar d/b/a Mr. Cooper informing us of their intent to foreclose on our property within 33 days ending XX/XX/2021. 

Our Complaints : the reason ( s ) given for denial should have prevented the application process from going forward, we were robbed of 3 months that could have been used to find another solution, we should not have incurred the appraisal expense, we believe the foreclosure was always their intent. 

Thank you for your attention,
Product: Credit reporting or other personal consumer reports

Im writing for the disputing of XXXX negatives marks on my credit of XX/XX/year> XXXX XXXX XXXX XXXX XXXX being place on my credit in the collections. Owed for {$1100.00} XXXX is collection of XXXX XXXX XXXX  of {$2000.00} Ive disputed & contacted everyone the best. THEIRS STILL NO CHANGE OR IMPROVEMENT OF CHANGE. IM IN NEED OF HELP! I AM TRYING TO BETTER MY CREDIT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports and it shows under names that I use XXXX XXXX.I never use that name and never will use that name.Therefore, this info is incorrect and needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within XXXX business days of receiving a complaint that includes specific information, as outlined below : - 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or remove the following items that are harming my credit : 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: Credit reporting, credit repair services, or other personal consumer reports

I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Account # # # # # # # 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Fool me once shame on me mentality here. This will be my 4th complaint about my PSLF counts not being updated in a timely manner. I wait a reasonable time period for MOHELA to update my counts, they dont. I file a complaint. I wait unreasonable amounts of time for them to address my complaint. During that excessive waiting period, my counts get updated. MOHELA responds stated my counts have been updated, case is closed. Im learning I need to file these complaints earlier. Until I am given the timeline MOHELA has from the Department of Education to update counts, I can only assume my counts are being updated only due to these complaints.
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 XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the XXXX DO NOT CONSENT TO E-OSCAR FOR VERIFICATION. 

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau
Product: Debt collection

I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?
Product: Money transfers

When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.
Product: Credit reporting or other personal consumer reports

XXXX submitting a follow up complaint to you today with regards to the issue that I presented on XX/XX/XXXX. I visited FEDERAL TRADE COMMISION website : https : XXXX and filed an identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : 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 ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXXTRANSUNION : 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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.
Product: Credit reporting or other personal consumer reports

Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.
Product: Credit card or prepaid card

On XX/XX/XXXX, I presented to XXXX XXXX XXXX XXXXl where Chase advertised that Chase card members who use their Chase card tonpay would receive 20 percent off of concessions. There was no asterisk directing me to fine print or disclosures on the menu board. I found out after the purchase when an employee told me. I am visuly impaired. I rwmoved my eyeglasses and found in the smallest font using a very thin font not bolded language that said " exclusions apply '' but did not say what the excluaions were. The next sentence said alcohol excluded. I didnt puchase alcohol. There are no refunds. 

Under New York State law, I am entitled to triple my damages of {$58.00} or {$170.00}. Under New York City Ordinance, I am entitled to {$500.00}. This is in addition to any Federal penalties. Respondent should take under advisement that complainant is an employee of the pharmaceutical industry and very familliar with regulations governing use of fine print and making said fine print accessible to visually impaired external stakeholders.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Checking or savings account

My bank account was hacked and capital one says its my fault because I have malware on my phone. 

I sent them proof of my apps and police report.