23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act ( FCRA ) Section XXXX05B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I talked with XXXX managers on the executive team for One Main Financial or XXXX XXXX that should be fired immediately they are rude and arrogant and make mistakes in their emails and aren't thorough to even call themselves managers they lie constantly while wasting my day the managers that I feel should be fired is XXXX phone number XXXX XXXX XXXX XXXX XXXX  she's the lead manager in the department so she can forward this request of firing to her boss. 

And the other boss that needs firing is XXXX XXXX she outright told me I have no right to say my feeling or my view of things who tells anyone that every XXXX in XXXX has the right to free speech XXXX. XXXX was not thorough in her ( XXXX ) emails sent which was very frustrating. 

XXXX XXXX contact number is XXXX XXXX XXXX XXXX XXXX Ext XXXX is how she wrote it in the emails sent to me. See her typos and this is supposed to be a manager. I think it's Ext XXXX Here 's where I need the help of the CFPB. I had the dispute with these XXXX employees on the phone just over me calling asking for their Credit Bureau Department to put the comment on my Credit Report to Close by the request of the consumer. Both XXXX and XXXX XXXX just went completely off on me saying NO One Main or XXXX XXXX XXXX  can't put that remark in it just ( stays ) blank and Closed is all that shows on your credit report with no remarks whether the consumer closed the account or One Main closed the account. 

How can that be when my account was over the limit less than 15 days ago in the comment section on my credit report it read suspended due to over limit. So I feel they are lying because they added that comment to keep my account up to date. 

Something isn't right and need to be investigated because I talked to another lady named XXXX in the same department XXXX credit bureau department she was the one who had XXXX XXXX call me back XXXX said another customer called asking the same question I did about comments a report submitted by their department. CFPB please investigate this company it's horrible and they do what they want to but care nothing about the consumer wasting our time and terrible, terrible, customer service. 

Anyone reading this stay away from One Main Financial XXXX XXXX products meaning loans or credit cards and XXXX XXXX  they have unfair business practices and the employees that work for them are not trained properly XXXX and the executive team they all lie and stand behind bad behavior and unethical business practices.
Product: Credit card or prepaid card

We are Citi card holders and it has come to our attention that Citibank is not correctly following applicable federal law or Citis own stated policies regarding the application of payments. We have learned that this is how Citi systematically applies payments to all accounts and that its accounting department, including senior managers, are adamant in this systematic application. 

Specifically, federal law and Citis policies require that customer payments in excess of the minimum balance be applied as follows : -- To the balance with the highest interest rate -- If those balances are promotional balances with the same rate, to the balance that has the earliest expiration date. 

In our case, as shown in our XXXX and XXXX statements XXXX attached XXXX, Citibank did not follow these requirements. 

Specifically, it applied a large payment of approximately {$10000.00} to the promotional balance with the latest expiration date. Citi agents explained that this is because the payment was made between billing cycles, and that, the other promotional balance, which expired earlier and in fact had expired at the time the large payment was made -- as clearly shown on the XXXX statement -- and was charged a higher interest rate, was not billed on the statement. There is no such exception either to applicable federal law or Citis stated policy. Indeed, such an exception would allow Citi to avoid the law and its own policy, since it is unlikely that a customer payment would ever be made exactly on the single date in a month in which a billing cycle closes. Based on Citis agents ' statements, indeed, it is only if a payment is made on that date, and on that date alone, that it will apply the law and its policy. 

Moreover, Citis statements about the amount not being billed are not correct. In our case, the balance transfer offer transferred to the standard purchase rate on XX/XX/XXXX, a date that occurred prior to the date our billing cycle closed XXXX XX/XX/XXXX ), and so at the time that billing cycle closed, that amount was accruing a higher interest rate, and was clearly billed as such on the XX/XX/XXXX statement, which noted that the promotional rate had indeed expired on XX/XX/XXXX, and in the summary of charges, showed that the balance transfer that expired converted to a standard purchase. Therefore, since we paid that balance in full on XX/XX/XXXX -- 17 days after the XX/XX/XXXX statement, Citi should have applied that payment in full to that balance since it had -- at that point -- the higher interest rate. 

We are also concerned that very few, if any, other customers may be aware of the payment application rules and policies, monitoring their statements closely, or even if they are, would know how to or to be able to raise this issue after one or more customer contacts with Citi representatives. 

We attempted to resolve this issue with Citi through multiple calls and chats, including using Citi 's compliance hotline, to which we have not received a response. An " executive response '' unit has not responded, including not responding today as committed by a Citi representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I was denied by XXXX XXXX for Cash Rewards XXXX XXXX XXXX. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ). I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 1 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO TRANSUNION CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH IS THE RESULT OF IDENTITY THEFT AND FRAUD. THIS FRAUDULENT ACCOUNT CONSIST OF A COLLECTION OPENED AT XXXX XXXX XXXX  UNDER THE ACCOUNT NUMBER ( XXXX ). THIS ACCOUNT HAS RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEM BE REMOVED FROM EACH OF MY CONSUMER CREDIT. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXXXXXX XXXX XXXX account number XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Have tried to dispute several accounts with Expedia and Transunion of accounts paid in full, or on time payments and never got resolution. They only stated accounts remains the same and no changes. Creating severe incorrect information on time payments and delinquent accounts or accounts padi in full not remove negative remarks.
Product: Debt collection

The company i work for which is   XXXX   garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my opt-out notice letter to XXXX XXXX XXXX I am filing a complaint against XXXX XXXX for violating my consumer rights under federal and New Jersey law. XXXX XXXX shared my financial information with third parties without offering an opt-out, violating the Gramm-Leach-Bliley Act ( GLBA ), New Jersey Consumer Fraud Act ( NJCFA ), and Identity Theft Prevention Act. Despite my objections, they claim their Privacy Policy permits sharing, conflicting with GLBA and NJ law.

I have not received confirmation of my opt-out status, and my information continues to be shared with consumer reporting agencies. Requests for a detailed account breakdown were ignored, violating the Truth in Lending Act ( TILA ). XXXX XXXX also disregarded my mail-handling instructions, resulting in a privacy invasion and potentially deceptive practices under NJCFA, harming my credit and privacy.

Their unauthorized sharing constitutes identity theft under 15 USC 1681a ( q ) ( 3 ). I request that this account be removed from my report and that my privacy rights be enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations see attachments for proof XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, CO, XXXX XXXX XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, TX, XXXX
Product: Debt collection

In XX/XX/2019 made appt at local hospital for minor treatment ( infected thumbnail ). Was quoted {$800.00} cash, but told physician was in-network and covered by insurance, and instead told by hospital receptionist to pay {$200.00} and file insurance claim. Followed instructions but as I walked past her desk physician suddenly became out-of-network, and {$800.00} estimate instantly grew to a final bill of {$3000.00}. 
Paid {$200.00} and insurance paid over {$1800.00}. Total of {$2000.00} paid for {$800.00} service. 

Physician billed another {$780.00}, and has never responded with any documentation or explanation in 2+ years of attempted contact. 
Refuses to provide any information to this day. 

Charge is unauthorized, physician office and subsequent collection agency have not responded to any inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I made a new bank account at Key bank in Colorado. On XX/XX/ i fell victim to fraud when a friend of mine asked me to cash a check for them in my account. I said okay and that day my account was frozen then later terminated. I spoke to a rep over the phone she said '' things like these happen all the time, and that i should just go in and explain what happened. '' well, now Im on a hot list and trying to get off of it so i can get my direct deposit working at my job but i cant because of this fraud error Im getting. I need help in the process im supposed to take.
Product: Credit card

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Student loan

I am a part of a class action suit, XXXXXXXX XXXX XXXXXXXX. I qualified for full relief from Aidvantage, loans discharged, refund of amounts paid on the relevant loans, and deletion from credit reports. Aidvantage is continually opening and closing unrelated loans, miscalculating payments and allocating refunds to unrelated loans. They need to restart the process with the original balances, with correct numbers to be able to correctly account for all my payments. XXXX of the loans in question has an original balance of {$0.00}. How could this be correct? If I took out a XXXX dollar loan, why was I making payments? Who was I making the payments to?
Product: Mortgage

I am requesting the assistance from CFPB to assist me with mortgage related issues I've been dealing for several year with my mortgage lender SPS. I am a few years past due and underwent a financial change that caused me to fall behind. 

I submitted a loss mitigation application package to SPS on XX/XX/XXXX. As of XX/XX/XXXX, SPS stated they had received all documents but were refusing to review me for assistance because their computer system had a Code ( SPSA restriction ) and per the agent I spoke to XXXX xt XXXX this code is at the request of the Investor not to allow any Trial modifications to happen. 

I requested for SPS to release the investor information so that I may call them to find out why they are restricting me from applying for help. In the last 7 years I have submitted for Loss Mitigation options at least 3 -4 times per year each time to get denied for several reasons usually SPS making up lies. 

In XX/XX/XXXX I applied for assistance from SPS to lower my interest rate but SPS placed me on a repayment plan that almost doubled my mortgage payment for the next 12 months and after those 12 months of payments I had to pay SPS a balloon of {$60000.00} in one shot which I told them I couldn't afford this but they insisted if I did not comply they would foreclose on my home, being told this I tried to make a few payments but eventually I could no longer afford this amount. Before I stopped making these payments, I called SPS to provide this information and they advised me if I could not afford it to stop making the payments and apply for mortgage assistance again. Keep in mind my financial did not support affordability for this repayment plan options. 

The rate I obtained on this loan is at 12.125 % on a single-family residence. I feel I was given a predatory interest rate since at the time I obtained this loan rates for the current market were at 5.25 % at its highest. SPS at this point are stating they have offered me several options but refuse to show me proof in writing, I have requested for them to provide the loan assistance options they claim they offered but they refuse. I have also asked to speak to a SPOC or manager never to get a call back. I feel that SPS is violation of several mortgage lending laws and per the reviews online I see I'm not the only one experiencing this issue. I ask for the CFPB to look into predatory lending, Failure to perform, Negligence, Violation of HRBOR, Tila & RESPA law. I am not alleging I don't owe this debt I am simply asking for SPS to help me reduce my rate so that I can continue to make payments on my loan. 

I have attached the loss mitigation application I've sent them for review so you can see I have provided all items needed to be evaluated and approved for assistance. Please help. Please Help stop foreclosure set for XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I woke up had XXXX dallors on my cash app card I called cash app and they said I had a dispute in for XX/XX/XXXX never had a dispute I called them and my bank 3 times and they kept repeating my bank said I didnt have a dispute they said I did so after the 3rd time calling each bank I finally put in a dispute but they couldnt find the day for the XXXX and they shouldnt have I never put one in or added money to my account so after I put the dispute in with my bank I get the XXXX XXXX credits I was gon na use to pay cash app and cancel it but than my account is XXXX so I call my bank no new info I call them they said they wont do anything because I made the dispute when I never did and kept repeating my self the manager at cash app wouldnt look into it or anything just sent the same email and closed my case I requested a call back and the manger said if I wanted to speak to him to call back and never got ahold of him idk what else to do they have a false dispute and I tried to make a real dispute because I didnt owe them that money and shouldnt pay it back I dont even think I should have to pay the XXXX but since I put a real dispute in it would make since to pay the XXXX idk if yall can help in any way idk where else to look because cash app wont help at all
Product: Credit card

Exact details below. 2 charges for hotel were supposed to be in dispute. Barclays only put one in dispute and the hotel rebilled. We reached out to hotel which quickly reversed 2 charges, so things were fine until Barclays rebilled and sent letter. Numerous phone calls to Barclays always resulted in " this will be fixed sorry '' and so forth and nothing ever gets done. 6 phone calls, hours of going through phone prompts and repeating things to agents and it always ends in wait a few days. We are missing a XXXX credit and spent XXXX worth of time to not get it fixed and now more time to file this. Aside from I could be earning interest on the XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX XXXX XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points REBILL - XXXX  XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points CREDIT - XXXX  XXXX XX/XX/year> - {$55.00} XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> {$55.00} XXXX XXXX Rewards Points XXXX  XXXX XXXX XX/XX/year> - {$55.00} XXXX XXXX Rewards Points
Product: Debt collection

Dear Discover ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( XXXX ) and XXXX XXXX XXXX ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to XXXX XXXX. XXXX ( a ), I am entitled to privacy, and XXXX XXXX. XXXX ( a ) ( XXXX ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!