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

On XX/XX/2019 I reviewed my XXXX - XXXX XXXX American Express Credit Card Statement. I noticed that my payments where not applied per the XXXX American Express Cardmember Agreement ( " AMEXCA '' ) dated XXXX which was provided to me by the first Amex Rep I spoke with by chat. The AMEXCA " About Your Payments '' " How we apply payments and credits '' States the following. Your Account may have balances with different interest rates. For example, purchases may have a lower interest rate than cash advances. Your Account may also have plan balances which are assessed plan fees. If your Account has balances with different interest rates, plan balances, or plan fees, here is how we generally apply payments in a billing period : We apply your payments, up to the Minimum Payment Due, first to any plan amounts included in your Minimum Payment Due, then to the balance subject to the lowest interest rate, and then to balances subject to higher interest rates. 
After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any plan balances. 
In most cases, we apply a credit to the same balance as the related charge. For example, we apply a credit for a purchase to the purchase balance. We may apply payments and credits within balances, and among balances with the same interest rate, in any order we choose. If you receive a merchant credit for a purchase placed into a plan, you must call us at the number on the back of your card to have the credit applied to the plan balance. 

I spoke with XXXX  customer service. 1st XXXX  - Payment Department. He looked at statement with me, he was familiar with the AMEXCA and payment hierarchy. He saw that my payment wasn't credited in that manner. He had to transfer me to the Plan Dept. 2nd. XXXX - Plan Dept. Quoted a different hierarchy that says, that any overpayment goes to the Plan amount. This is contradictory to the cardmember agreement. Asked for an escalation. She transferred me to a Supervisor 3rd XXXX XXXX was no aware of the AMEXCA Payment Hierarchy but repeated how it works and I agreed that my statement the payment was applied that way. 

So Amex is going to refund me the overpayment, and no while I have a plan out there I don't have the ability to prepay any purchases. Which is outside of the agreement. 

When I pointed out to the Amex Representatives that their Hierarchy is different than what the AMEXCA no one cared. These Reps were offshore, but still, I expect the company to have their Payment Hierarchy per the Cardmember Agreement or the ability to correct without having the customer participate in the accounting of a company the size of American Express. 

I think someone should contact AMEX to tell them how they are offering a poor Customer Experience with a payment hierarchy that is different than they disclose to the cardmember. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) Owen/PHH/New Rez has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Product: Checking or savings account

I had disputed 3 transactions that the merchant advised me to dispute with the bank. Bank advised they were issuing credit. Never r ceived. Then they charged me a XXXX dollar fee for using a different atm. I would like my money back as well as my credits for Charges for items I never received. Every rep gave me misleading information and I would like this fixed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : 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  I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 Account XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

Chase bank is the worst open account with them later on Im seeing insane activity money taken from my account to now owing them XXXX when they took my money in the first place report my card got new one same thing told them about fraud no help nothing got a new card the same thing I wan na everyone to know chase is a rip off making up XXXX
Product: Debt collection

We rented a home in XXXX, Florida from XXXX XXXX XXXX between XXXX. We had a financial emergency and were forced to break our lease early to move back home to Arizona. Our rental agreement stated we had to pay 3 months of rent if we broke the lease. However, we negotiated a separate agreement with the homeowner and XXXX, to avoid paying over {$13000.00} in fees. We entered into a new agreement in writing, and we moved out. We have all of the documentation proving this, and will provide it. Shortly after, XXXX sent us a disposition letter stating we owe them {$9200.00}. An employee at XXXX who was handling our situation even admitted the disposition letter was incorrect, and that she would fix it. It never got fixed. XXXX even called us stating we owe them {$8500.00} to cover the costs of the owner 's personal move, which has nothing to do with us and was never part of any agreement or lease. 

All of that communication and evidence was submitted to Transworld Systems , Inc ( the collector ). They never reviewed or acknowledged that evidence. I've been calling them since XXXX asking for updates. Each time I call, they say they are working on getting a response from XXXX, but this never gets resolved. A few times over the phone, they have explained to me that XXXX " validated '' the debt by sending them a copy of a notice they sent to us. This is not a proper validation, nor proof that we owe XXXX anything. 

I, on the other hand, sent Transworld Systems XXXX XXXX numerous screenshots detailing the situation with XXXX, proving we had a new agreement that voided out any lease cancellation fees. Transworld Systems , Inc. is refusing to accept our evidence and is continuing their efforts to collect on this phony debt. They keep asking XXXX to " validate '' the debt, but XXXX has not provided ANY evidence or proof to validate it properly.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option. 

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX XXXX XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX XXXX XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I will await your response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the Experian and XXXX Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the Experian and XXXX Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 Re : Complaint Against Citibank Costco Dear XXXX, I am writing to file a formal complaint against Citibank Costco due to what I believe is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The FDCPA, enforced by your bureau, is designed to protect consumers like myself from abusive, deceptive, and unfair debt collection practices. In violation of these protections, Citibank Costco has been subjecting me to harassment through their persistent, and I believe excessive, phone calls. 
For the past four months, I have been receiving approximately four calls per day, seven days a week, totaling over 330 instances of contact. This number significantly exceeds the suggested '7x7 rule ', implying a limit of seven calls within a seven-day span.

This excessive contact has occurred without my written consent, constituting a further breach of the FDCPA, which prohibits such communication without explicit permission from the consumer. 
As a result of these violations, I am seeking damages of {$330000.00} This amount has been calculated based on the understanding that creditors can be held liable for up to {$1000.00} per violation. These repeated intrusions have caused considerable emotional distress and disruption in my daily life. 
I request that the CFPB conduct a thorough investigation into these practices. I am prepared to provide further evidence and documentation upon your request to substantiate my claim. 
Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your assistance in resolving this issue. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/2XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to disputes that were sent under complaints XXXX TransUnion XXXX Experian XXXX XXXX As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and XXXX. Experian requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under investigation and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You
Product: Debt collection

CITIGROUP CONSTANTLY HARASSING ME CALLING ME AT ALL TIMES OF THE DAY. LEAVING VOICE MESSAGES THAT FILL UP MY MESSAGE BOX ULTIMATELY MAKING ME MISS IMPORTANT MESSAGES AND PHONE CALLS. I HAVE ATTACHED THE FOLLOWING SUPPORTING DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX 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 oth
er 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.