23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.
Product: Debt collection

im writing this complaint on regards of the unfairness and unjust findings on my consumer credit report. I have filed a complaint with the XXXX XXXX XXXX  and they have confirmed indeed that I am not liable for this debt, and I would like it to be removed from my consumer credit report as soon as possible as I feel that the bureaus are using a tacit to leave the negative information to be reported longer! if you could take a look at my attachments you will find my claim to be more reliable and truthful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has charged off my collection account. I had disputes with them due to the verbal agreement that was had with them. A charge off is a tax write off for them why did they turn around and report it to Equifax XXXX and XXXX XXXX. This is a violation of my rights. They did not get permission to do this. XXXX XXXX has committed fraud against me and I would like it fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
Product: Checking or savings account

After, receiving a letter from Bank of America to apply for a business checking account, and being eligible too. On XX/XX/2022 I walked into a Bank of America branch located on XXXX XXXX XXXX, XXXX XXXX. I initiated a consumer credit transaction with my SSN/ XXXX also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business account on Bank of America. I did not receive the treatment I expected. Instead, I was yelled at by the branch business account manager. In his words ''he 's not able to open an account for me, and it's not his job to find out as to why a business account can not be open for me ''. Credit worthiness is not a factor in their decisions. I provided every document required and was denied a new business checking, due to invalid reasoning 's, after I was informed, I may obtain any account at any branch. I'm highly disappointed in Bank of America as they have negative people representing them as a company. It is with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response, nor the correct communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian have a late payment showing with XXXX Bank. I have never missed a payment with them & even after sending in proof repeatedly that it was paid on time still no fix & this violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing Navy for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, XXXX, XXXX, and Navy federal nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to Navy federal the reps have a attitude and never get anything resolved.
Product: Mortgage

When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.
Product: Debt collection

Credit Bureau  of Lancaster County , Inc   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  : (  XXXX  )  XXXX  Toll Free : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  See below : The company ( Credit Bureau  of Lancaster County , Inc ) s aid  XXXX   XXXX  owed {$270.00} when this is false.   The debt is not mine.   I am  XXXX   years old,  have medicaid and  XXXX   XXXX   XXXX  with co-pays of {$0.00}.   See document.   Thank you.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX., has violated my rights. opened XX/XX/2022 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account open as an error from the store, they I applied for XXXX XXXX and now I have 2 cards for the same store, and I cant put on automatic debit, this card does not even appear in my store dashboard, I spoke to the manager he told me to be able to remove the late payment he needs to close the account
Product: Money transfer, virtual currency, or money service

I have seen this before but really didn't believe it until it just happened to me now. A loyal RH customer since last 6 years and exclusively used them for XXXX XXXX XXXX Recently in last 6 months I opened XXXX disputes with my cash card. XXXX for XXXX and the second one for XXXX. Yesterday, I got an email saying I violated the terms and condition and they are going to close all my account. just simply deny my dispute if they really hate it. 

-- - Very harsh treatment. Punishment doesn't fit the crime. 

-- -- They are liquidating my position and I am in the hole for {$2900.00} loss. 

-- -- my brokerage account is over XXXX. 

-- -- XXXX customer service. once they lock you out, you cant reach them anyway unless only option to email. 

I even wrote " i will commit suicide if you liquidate my account '' - the chatbot replied - Please contact us by email and we will reply in 1-2 business days.

Absolutely worst customer service and they are treating retail investors like me we are nothing or worth your time since now you become a goliath. Remember we put you there and we will bring you down if you treat us this way.

no option to appeal. I even cancelled my dispute with cash card. just close my cash card why Brokerage? 

I am beyond XXXX, sad, upset and disappointed for this harsh treatment from them. 

I am seriously considering starting a brokerage firm and call it have the moto in the company logo - XXXX you XXXX.
Product: Credit card or prepaid card

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. May I have a copy of my online application filled out online to get this credit card?
Product: Checking or savings account

My ex got into my bank account and paid a debt over the phone with Blakely Witt and Associates. She is NOT an authorized user, and they knew the name on the account was not hers, so they told her she needs to wire {$4100.00}. She did. I am going through a mortgage program where they track your funds. I am now unable to obtain a mortgage. Blakely witt and associates refused to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXXXXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting or other personal consumer reports

XXXX Account dollar amountXXXX I've dispute the unauthorized account numbers of times that this information doesn't belong to me under u.s.c FCRA law
Product: Debt collection

The amounts filed on the attached vary from their {$11000.00} balance. I have been paying {$400.00} a month for 7 months and there is about a {$1000.00} discrepancy between their balance and mine. The interest rate is also higher than daily rate disclosed on the attached paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent asking for the proof of accuracy for information on my credit profile XX/XX/2020. A 609 letter was sent asking for an investigation into the accuracy of my address, name, social security number, and a late payment on my credit profile. A notarized copy of my drivers license and social security was sent along as well with the 609 letter for verification purposes. It was asked for my profile to be corrected and updated within the 30 day window allowed by the Section 611 of the FCRA as well as the accuracy of the late payment verified, but this request was not honored.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practice which violate consumers XXXX XXXX ( XXXX ) cash app failed to take timely and affected measures to prevent address for it on their platform leaving my information vulnerable and unprotected. Furthermore the dispute result process was on unprotected and they didn't comply with error solution requirements under the electronics XXXX act and regulation XXXX these results have cause significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX XXXX and XXXX- xxxxxxxxxxxx XXXX was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and also XX/XX/XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. Also, I received written notification that this item will be deleted because it violated my rights under the FCRA ( See ATTACHMENT ). Also, the following account ... XXXX XXXX XXXX XXXX is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) from the original creditor or Equifax. I did not get written notification of this fraudulent account. Please also do a fraud investigation for the following unauthorized inquiries : XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOLUTIONS-XXXX  XXXX, XXXX
Product: Credit card

We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.
Product: Vehicle loan or lease

WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company. 
I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.
Product: Student loan

Nelnet 's website does not work. I have tried multiple times to get my statements as their numbers do not match us with what I expect. I have relentlessly been called and threatened and then they realized they screwed up, sent an email about administrative forbearance with no context and no numbers to support their claims and I am no longer past due but I think my account balance is wrong and I can not get the statements from their website to verify this information. 

They don't have the resources to handle these loans nor the resources to run a stable website at all. Starting to think Nelnet is a scam to harvest government money.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report are not mine, please check them, they are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BLOCK AND REMOVE THE FOLLOWING INQUIRIES. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a bad bankruptcy on my Experian credit file and several accounts at a charge off in bankruptcy, even though I have never filed for bankruptcy I checked with the court, and the court told me that they do not verify anything, and Experian told me that they did verify it and left it on my credit report now they wont let me do a dispute anyway, but my phone. I verified with the court listed that I did not have a bankruptcy and that it is not mine. I have also verified with the companies the account shown as charged offer not mine. I asked Experian to provide me the results of their investigation and they have failed to do so