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

My complaint is against AT & T Universal Card ( AT & T ). I filed a complaint with the XXXX XXXX XXXX and AT & T Universal Card has not responded. The credit card company states that they apply payments first to the balance with the higher interest rate. I had two balance transfer offers.

1. Approximately {$22000.00} at 1.99 % that ends in XXXX of 2021. 
2. Approximately {$3000.00} at .99 % that ends in XXXX of 2021. 

Illegal action : 1. It appears from analysis that AT & T is applying a portion of the {$330.00} payment to cover the interest on the larger balance at the higher rate. 
2. The rest of the payment goes to lower the balance for the lower interest rate balance transfer with the longest remaining time. 

The minimum payment for the account is approximately {$330.00}. 

This is a disadvantage to me in that I am charged a higher rate for a longer time and the loan with the longest life is being reduced first. 

I believe this is is against the company 's stated policy and does not meet current credit card practice.
Product: Credit reporting or other personal consumer reports

transunion refuse to delete informaiton or block merchant that has account on report thats not accurate i also provide ftc and police report XXXX XXXX still reporting on my credit report i uploaded was ignore nothing has been done traunion fail to accurate remove information on my report also along with account and XXXX XXXXXXXX i dont owe these merchant anything.never sign no contract withthis companies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a CFPB complaint was placed against Experian Credit Reporting Agency. It is now XX/XX/2023, 41 days later, and the company has not responded but has not removed the disputed information. No additional information was sent by me the consumer to warrant and 15 day extension.
Product: Checking or savings account

On XXXX XXXXXX/XX/2022 I received a notification from Capital One that my checking account is being closed on XX/XX/2022 because of a technical issue as they update their banking system. I've had this account XXXX years and it is intertwined with all my financial investments, direct deposits, credit cards, etc. I have never bounced a check or had a low balance.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX  Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX  XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/year>2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b-
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage is incorrectly reporting my account 's current status as " 120 days late '', even though the account was transferred to another company and the balance on this account is now XXXX. It is obviously not possible for the account to be currently 120 days late and delinquent if the balance is XXXX and has been XXXX for over a year. I 've attempted to dispute the information with all 3 credit bureaus and they tell me they can not change this because it is what Wells Fargo is reporting. I 've also contacted Wells Fargo, who refuses to admit they are reporting the account incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is XXXX XXXX XXXX account ( acc no : XXXX ) in my Experian report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to Experian credit reporting agency and XXXX XXXX XXXX but they refused to help me to resolve the problem.
Product: Student loan

I submitted an application on XX/XX/XXXX for a reduced monthly payment. It is XX/XX/XXXX and I still have not heard back. It has been XXXX  months. 

I have emailed and called repeatedly over the last 2 months. Wait times on the phone for customer service are XXXX, XXXX or XXXX hours long. I finally took a day off of work ( and woke up at XXXX ) so I could sit on the phone and talk to a customer service agent. The agent could not find my application- could not figure out why it wasn't processed. She said she would put my account in forbearance so I would not have to make another payment until the application was processed. After I got off the phone ( which lasted hours )- I checked my account and NOTHING changed!! There was no forbearance put into place. There was no email. There was no record that I even spoke to anyone. And now my XXXX payment ( XXXX ) is due and I can not afford it! I don't want to get bad credit from a missed payment. I will pay my bill! I just need a lower payment! HELP PLEASE! 


I've emailed over and over again. The replies are auto generated. There is no information that applies to my specific situation or to my account. The replies will say " Our records indicate that you have already called and spoken to XXXX of our Customer Service Representatives regarding this inquiry. If you need additional assistance, please contact us at the number listed below. '' - I have only spoken to a representative XXXX time, so this is not true. And it's ridiculous to say to contact them at their number ... XXXX just tried to call again and the wait time is XXXX hours. No one has XXXX hours to wait for a customer service agent!!!! 


Can I please have my student loans transferred to a more competent loan servicer. I can see online that MOHELA has a horrible reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the company to provide me with proof debt validation of the following accounts : XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an unauthorized credit inquiry from the company listed below. I did not authorize this inquiry, and I am writing to formally dispute it and request that it be removed 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
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : Account Name : XXXX XXXX XXXX  Date Listed : XXXXXXXX XXXX XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is currently showing 30-60 days late for the year 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Money transfer, virtual currency, or money service

All Monies that have been reported to be returned.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX XXXX XXXX Credit Bureau XXXX, Account Number : XXXX SSN : XXXX This has been the most unfair inconvenience that I have EVER experienced regarding errors on my credit report. There is no way of resolving this account. I have disputed it MANY times to NO avail. It continues to come back as verified although every time I call XXXX ( XXXX ) XXXX, XXXX XXXX  ( XXXX ) XXXX, and XXXX  XXXX ( XXXX ) XXXX, NOBODY CAN LOCATE THIS ACCOUNT. How does it come back as verified when XXXX can access the account?? I have sent certified letters to XXXX regarding this HUGE inconvenience and received a response that they can't help me. XXXX is the only bureau that has provided me with some relief and removed the account because they said it's unfair and against the law to leave it on my credit report. XXXX ended its partnership with XXXX Bank ( the card issuer ) and partnered with XXXX XXXX. It has now ended that partnership and partnered with someone else. Meanwhile, I am in limbo unable to speak to anyone that can help me to get this removed from my credit reports. This is a huge inconvenience and against the law. Regular people shouldn't be left to deal with the fallout from XXXX mergers. I spend hours EVERY SINGLE DAY regarding this, and nobody has any information on this account. I have included news articles that show XXXX 's ending of distributors of its store credit card and I'm certain that I'm not the only person that this has happened to. Please remove this account from my XXXX and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ), which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act. which has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.
Product: Debt collection

Got a text message for a person I dont know with identifying information. I dont know them or the person attempting to collect. May be a scam.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting a debt on my credit file that I do not owe. I recently had my credit pulled and was notified that USAA is still reporting a balance on an account that I paid off months ago. This debt has been settled in full and needs to be removed from my credit file. This account is causing my home buying process to be delayed and it shouldn't be a deragotaroy account anymore. This needs to fixed ASAP!
Product: Debt collection

i got a letter from penncredit in the mail saying i owe {$2000.00} for a utility bill at a address i never lived at only XXXX and lived with my parents so ive never had a utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$8300.00} XXXX XXXX Balance : {$8300.00}
Product: Checking or savings account

I had open an account 4 years ago under XXXX preferred name XXXX. Chime which is XXXX XXXX sent a card under XXXX. Which they did document it right. I tried to send a check online. I had funds in my accounts they refused the payment. They did that same day send a flag on the last name XXXX. Asked for me to send them a 1099 knowing I am XXXX. I question it no answer. They did threatened to shut down my account said they needed it due to the IRS. I never did get anything from the IRS. I sent all my information I'd, social security, birth certificate. They refused it wanted only the 1099. I filled it out before the deadline. During this time XXXX XXXX refused deposits from me. I didn't get no letters from chime father on the account being closed. I thought it was taken care of. Next thing I knew they closed it on XX/XX/2023. They logged me out of my accounts on my mobile app from seeing my financial statements. I had no access to those. I still could see those statements up to XX/XX/2023. I seen several deposits at the point it was closed.I had no access to it. How were these transactions going thru they knew wasn't mine they kept posting. I like this investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit card with XXXX Bank is NOT reporting to all the credit bureaus. XXXX, Trans Union and XXXX. THis is holding me back from relocating my home. Ive been having trouble with them reporting on a regular basis to all three bureaus since opening my account on XX/XX/2021. I've spoken to many agents at XXXX Bank and nobody there can seem to resolve my situation. Please help me to get them to report to all agencies to help my FICO scores/number with all three credit Bureaus.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) Due to inadequate customer and unfair practices, which violates CFPA, Cashapp failed to take effective measures to prevent fraud and scam on their platforms. Leaving my account unprotected. There dispute process was very deceptive, as they did not comply with error resolution requirements, under the EFTA and regulation E. This has cost me financial loss, I seek appropriate repercussions for these violations.
Product: Checking or savings account

I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!
Product: Credit card or prepaid card

On XX/XX/2022, I sent via certified mail validation/verification letters to target /td bank. They received it around XX/XX/2022. They have failed to respond and they have refused to remove the debt from my credit report. They are violating FCRA and FDCPA by trying to collect a debt they can not or failed to validate/verify.
Product: Debt collection

On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC. 
I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day. 

So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.
Product: Checking or savings account

My cashapp account was closed. The bank stated that there was fraudulent activity on my account. There was never fraudulent activity on my account. Funds was taken out of my account along with others that I sent funds to. The bank stated that I did a dispute. No disputes was ever done and now my account is in the negative!!!! No documents or reason for this problem that occurred was given
Product: Checking or savings account

I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I placed a fraud alert and credit freeze with the 3 bureaus. The applications are numerous and keep coming in. Although they are being declined due to the credit freeze, one of the applications for a pre-qualified personal loan through a bank was through Credit Karma. I do NOT have an account set up with Credit Karma, never have had one. I tried to get information from Credit Karma to cancel any account they have in my name because it is fraudulent, but they have no phone number, and have not responded to my email requests through their " Contact Us '' support email address. I put " URGENT FRAUD/ID THEFT '' in the subject line, and after 5 days, no response. If the thief has a Credit Karma account, they can get copies of my credit reports and have even more identifying information! I have contacted FTC, local police, credit bureaus, and the Postal Inspector General, but if someone has this much access to my credit file through Credit Karma, I want to know how they set up the account, and to get it cancelled. How do I get a response from Credit Karma?