23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I did a balance transfer from another credit card to my Capital One credit card with a 0 % APR. Between XXXX and XX/XX/XXXX, I paid a total of {$2000.00} to my Capital One card, assuming that I was paying off that balance transfer, whose rate would expire in XX/XX/XXXX. To my dismay, after paying several large amounts, I was surprised to look at my statement and see that Capital One was not applying my additional payment to the balance transfer amount but to my outstanding ( purchase ) balance. When I spoke to customer service at Capital One, they told me that " Capital One applies your minimum payment amount to pay off lower-rate balances before paying off higher-rate balances. We apply any amount in excess of your minimum payment to higher Annual Percentage Rate balances before lower-rate balances. '' In other words, if you have a balance on your credit card, it will be difficult even impossible to pay off the balance transfer amount and the consumer will end up incurring interest on that balance transfer even though Capital One is supposedly giving you a 0.0 % APR " deal ''. That is not made clear unless you read the fine, fine print. I have contacted Capital One and asked that they reallocate my payments.I have not heard a response from them yet, outside of saying that they received my message, after almost a week.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : 1. XXXX XXXX XXXX  XXXX XX/XX/ 2024 2024
Product: Credit reporting

There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : XXXX.
Product: Payday loan, title loan, or personal loan

I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX  ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP. 
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience. 
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two rounds of letters to Experian asking to fully validate the following accounts. 
XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX NA XXXX {$750.00} These accounts still remain after asking for debt to be fully validated within the thirty days as required under the FCRA 609/611 provisions and should be deleted as of now.
Product: Payday loan, title loan, personal loan, or advance loan

Omni violated the MLA. Specifically by allowing me to roll over and refinance the existing loan, exacerbating my financial hardship, there was a clear violation of MLA.

This was only further exemplified by charging for debt cancellation products.
Product: Debt collection

Plaza Services and XXXX I have no knowledge of this account have never been contacted by phone, mail or pigeon no account number or anything for this account to even know how or who to pay until I saw it pop up on my credit report. I sent a debt validation letter to this company dated XX/XX/19 certified return receipt which they received at XXXX XX/XX/19 in XXXX , GA XXXX Tracking number from USPS XXXX Delivered to front desk/Reception/Mail Room. To which they had 30 days per 15 U.S. Code 1692g - Validation of debts they must respond in 30 days with validation of debt. to this date I still have not received anything from this company. i also file a dispute with XXXX XXXX who claims that the debt is valid but no one has provided any validation of this debt or anyway for me to know who, when, why or how to pay said debt if it is mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit card

RE : Complaint Regarding Improper Handling of Disputes and Erroneous Account Closure - Apple Card Issued by Goldman Sachs To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the handling of my Apple Credit Card account, issued by Goldman Sachs. I believe my account has been improperly managed, leading to an unjust account closure, despite my compliance and good faith efforts to address unauthorized charges. 
On XX/XX/year>, I spoke with XXXX, a supervisor in the Apple Fraud Department. During our conversation, he admitted that several disputes, not only mine but also other cardholders ', have been mishandled. I have experienced repeated unauthorized charges that Goldman Sachs failed to prevent, despite my numerous attempts to dispute them and my consistent updating of my credit card details. Specifically, one merchant continued to charge {$10.00} per month for over a year and a half, even though I had unsubscribed from their services. Despite changing my credit card information more than six times, these charges persisted. 
Additionally, Goldman Sachs permitted other fraudulent and unauthorized transactions to proceed, despite my multiple disputes and documented history of identity theft. This year alone, I have been exposed to numerous data breaches, further complicating my situation. Despite these facts, Goldman Sachs failed to take adequate protective measures to prevent unauthorized charges and subsequently decided to close my account, which I believe was done in error. The closure was not due to any actions on my part but rather due to Goldman Sachs 's reluctance to address the ongoing fraudulent charges properly. 
The decision to close my account has not only caused me significant distress but also led to the reversal of valid charges for services I use, such as certain Apple subscriptions. As a result, I have been unable to access these subscriptions, causing further disruption. 
I wish to state unequivocally that I never requested the closure of my account. Goldman Sachs decision to close my account was made without my consent and has caused me financial hardship. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am entitled to protections against unauthorized charges and proper handling of disputes. The failure to address these disputes and the decision to close my account without valid justification constitutes a violation of my rights as a consumer. 
I have never been late on payments and understand the value of my banking relationship with Goldman Sachs. My current card balance is {$1700.00}, with a {$0.00} available balance. My next payment of {$110.00} is scheduled for XX/XX/year>, which covers the XXXX balance, and I am committed to maintaining my payment obligations as always.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX ( Collection agency ) XXXX XXXX XXXXXXXX ( Collection agency ) Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts XXXX XXXX XXXX # XXXX- DELETE XXXX XXXX XXXX XXXXXXXX DELETE
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Student loan

I emailed XXXX XXXX towards the end of this past XXXX requesting they change my payment plan from graduated repayment to standard repayment plan. They responded XX/XX/XXXX and said it would take XXXX business days to process. The day after the XXXX business day, I emailed them again as my account was still showing graduated repayment plan. I emailed them again a week later as I didnt get a response. It is now a week after that, and I have yet to hear back. I am able to log in and see that all of my loans with them are still on graduated repayment plan. They even took out a payment today, XX/XX/XXXX with the graduated repayment amount instead of the standard repayment amount. Really frustrated with the lack of response and because they wont change my plan, my loans will take longer to pay off and I will pay more interest over time which is not my goal.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX : XXXX  Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX has violated my rights. Or 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 c
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I 'm submitting this claim against Experian because I had three collection agencies ( the only three on my report as of now ) that were never supposed to be on my report in the first place from a collection called XXXX XXXX XXXX ( scamming company please research them ) 1st off they have never sent me information proving this debt belongs to me ( signed copy with my signature ) I filed a Dispute so experian removed this my score was a XXXX by them removing this then I look up about 10 days later and realized it was a XXXX and they re-added all theee collections back on there. 2nd of all even if these were validated /verified which were n't because it 's not verified until they send me proof of my signature on this debt they did n't notify me within 5 days that they were putting these back on my report which is breaking the fair act law. I 've worked so hard to get my score to the XXXX XXXX just for them to re-add those collections back on there that were never suppose to be on there.
Product: Mortgage

I believe my income was to low for the mortgage payments and it was pushed through even with that being the case. currently my mortgage is {$890.00} per month while my monthly income is {$1000.00} from XXXX. My family did suffer a hardship due to XXXX as my grandson was working and able to assist me, he was out of work due to covid for several months. During that time other family members did help out when they could however everyone in my family has been suffering due to the cost of living being extremely high-we cant seem to catch up. 
As I was speaking with a lady I befriended she made mention that I should have never been approved for the mortgage with no more income than what I had and I should look into the reason I was approved.
Product: Credit reporting or other personal consumer reports

Good day, I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT! 

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 went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ XXXX to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Product: Checking or savings account

I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX. 

The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message. 

* I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally? 
2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions. 
3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ). 

* My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them. 

* My contacts with local branches : As mentioned above, they could not do anything either. 

In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.
Product: Money transfer, virtual currency, or money service

i am writing to express my concerns with zelles platform and the way they are handling disputes. Specifically regarding the CFPB lawsuit highlighting zelles flawed platform. Despite using zelle multiple times they have failed to investigate my claims and just informed me recovering my lost funds was impossible aswell as tracking them. The CFPB highlights zelles platform failed to protect its consumers while also having them be vulnerable to scams and repeated offenders to create exploitation. This, allowing us to lose out money.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ). 
I also have a twin whose credit is somehow merged. Apparently he doesnt exist according to you guys and Ive been disputing that as well!
Product: Credit reporting or other personal consumer reports

With in minutes of each other experian again says is working on the same issue on 2 complaints well like all the other complaints they have done Nothing but give stupid explanations that makeno sence
Product: Payday loan, title loan, or personal loan

I paid off a loan with Mountain Summit Financial , Inc. in the amount of {$1500.00} on XX/XX/20. When a representative, and subsequently a supervisor was asked the interest rate on tbe loan, they said repeatedly they did not know ot have access to the loan interest rate. They asked that I look it up myself. This is poor customer service, and upon being asked, a loan company should be able to disclose this information to a customer. I am concerned that they are failing to disclose. vital loan and interest information to customers. The supervisor I spoke with was XXXX XXXX This should not be happening to any loan customer. I was very dissatisfied with the verbal transaction that took place.