23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to address my concerns regarding Capital ones insanely high interest rates. In the light of the recent CFPB lawsuits highlighting significant issues with the company. I have been a customer with capital ones for over 20  years and the amount of interest I pay monthly is hurting my financial position. Capital ones seems to raise interest without notifying the consumer about any changes. It makes it almost impossible to settle my stammer balances due to such high interest rates applied to my account. I do not believe this is fair and that this company should be more considerate in notifying consumers of any changes.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf. and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Inquires Accounts These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX : XXXX
Product: Student loan

I believe Great Lakes intentionally misapplied my monthly payment. 
I have XXXX XXXX Loans. I XXXX Tokens/Loan types. I am currently signed up on an extended level monthly plan of {$870.00}. The {$870.00} payment I make each month is more than the amount of interest that the accounts accrue and thus, should cover the principal accrued for each month, with some left to go to principal. 

It was my belief that the {$870.00} would be applied among the XXXX tokens, with the amount first going to each token 's monthly accrued interest and any excess towards the principals. 

On XX/XX/2019, I made my {$870.00} payment for the month of XX/XX/2019. However, when I reviewed how my payment was allocated on my online account, I saw that Great Lakes did not allocate it properly to Token XXXX. I owed at that point in time about {$22000.00} on Token XXXX. From XX/XX/2019 to XX/XX/2019, I accrued {$130.00} of interest on Token XXXX. Yet, of my {$870.00} monthly payment, only {$18.00} went to Token XXXX. That left {$120.00} of unpaid interest on Token XXXX. Great Lakes reallocated the remaining {$850.00} towards the other XXXX tokens, and applied {$450.00} of it to Token XXXX, although that token had only accrued about {$220.00} in interest that month. 

I am very concerned that Great Lakes is not allocating my payment to cover all the monthly interest accrued on Token XXXX. As stated in the beginning, my monthly payment of {$870.00} is more than enough to cover the interest accrued monthly on all XXXX tokens. It is also my understanding that my monthly payment would cover the interest accrued monthly on all XXXX loans. I am confused and perplexed as to why Great Lakes would not apply my payment to cover the interest accrued for Token XXXX. I am concerned going forward, because if they are not applying my monthly payments are not going towards all the monthly interest accrued for Token XXXX, then that interest will accumulate and it will be harder to pay it down in the future. 

It is my belief that Great Lakes intentionally misapplied my payment. On XX/XX/2019, I made a second monthly payment of {$5000.00}. The second {$5000.00} payment was suppose to go straight to the principal of XXXX XXXX. 
It was my intent to pay {$870.00} as my monthly payment ; the {$870.00} would cover the monthly interest accrued for all XXXX tokens, including the {$130.00} of accrued interest on Token XXXX. Afterwards, I was going to make a second payment of {$5000.00} to that would fully go straight to the principal of Token XXXX. I was allowed to do that as long as I made my required payment of {$870.00}. 

Instead of applying my monthly payment of {$870.00} to all the interest accrued on the XXXX tokens and then applying the full {$5000.00} to the principal of Token XXXX, Great Lakes applied only {$18.00} of the {$870.00} to Token XXXX. 

It then used {$120.00} of the {$5000.00} to pay the remaining monthly accrued interest of Token XXXX, and then the remaining {$4800.00} went to the principal of Token XXXX. 

I believe Great Lakes is doing this because it is intentionally trying to delay me from paying down my principal.
Product: Debt collection

I believe the company is in violation of The Fair Debt Collection Practices Act ( FDCPA ). I called on XX/XX/year> an was informed by different agents that the account would be sent to attorney if arraignments cant be made.
Product: Mortgage

I was in chapter XXXX for past three years during which time my wages were garnished and according to trustee documents over {$36000.00} was paid to my mortgage company yet they state they never received and now county is wanting to auction my property for unpaid property tax which should have been included in my payments when I tried talking to mortgage company they stated let 's get you in home preservation first then we will look into it they never have
Product: Credit reporting or other personal consumer reports

Account was closed and reporting the wrong information on my credit report
Product: Debt collection

I'm submitting this complaint in reference to AMER FST FIN knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq
Product: Student loan

I am in XXXX year of XXXX payments. I have followed all instructions for XXXX. Payments have been made on time. During XXXX I continued to make payments and paid off XXXX of the smaller loans. Employment verification and Income recertification submitted annually. Documents always submitted on time. I have XXXX payments left and saved documentation ( from last year ) indicating same. The original borrowed amount was {$52000.00}. Over the past 10 years interest accrued while payments were made. Accrued Unpaid Interest + {$7100.00} Amount to be Repaid = {$59000.00}. Today XX/XX/XXXX I received correspondence from MOHELA. MOHELA capitalized my interest, removed me from XXXX and deleted my payment history. They now state I owe XXXX payments starting in XX/XX/XXXX with the following amount owed : Principal Balance {$52000.00} Accrued Unpaid Interest + {$7100.00} Interest Payable + {$22000.00} Total Amount to be Repaid = {$82000.00} Number of Payments Payment Amount Payment Start Date XXXX {$680.00} XX/XX/XXXX Can someone please help me? I have 11 payments left toward XXXX. MOHELA has refused to update my payment history, they changed the entire terms of the loan and have not acknowledged receipt of my annual income recertification form for this year. They erroneously added the additional {$22000.00} in capitalized interest and restarted my payment history ignoring the last XXXX payments!! I am so distraught. In XXXX I began submitting multiple complaints to MOHELA XXXX XXXX. requesting assistance with other errors noted in my account. Today 's correspondence was their response. Please advise how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Im writing u this letter that this company claims I owe this bill. I dnt owe it and they wont delete out of my three credit report. The name of the company is Chrysler this debt is not mine and I demand to take it off my three credit report. Its not nan so I come to u to help me.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

I was on the XXXX XXXX XXXX page looking for tickets and I contacted a guy to buy concert tickets on XXXX XXXXXXXX XXXX. He sold me two tickets for {$60.00} each. I sent him the money via XXXX. He didn't send me the tickets because he said i needed to pay a barcode activation fee and then a verification fee. I asked him for the money back but he never sent it. 
I contacted my bank and filed a claim. They took my information and said they couldn't do anything and that i had to contact XXXX directly and file a claim with them I contacted XXXX, there is no live people available to take call. The prompt says that if I am using the app through my bank then I need to file the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof to all three credit bureaus that my identity was stolen and accounts where open while I was in prison and to date they have nor will they remove this information from my credit report.
Product: Student loan

Please see attached check sent to Navient XXXX of 2019 from my title company, XXXX  XXXX XXXX  XXXX. This check still has not been applied to my account. It was cashed by Navient, Department of Education on XX/XX/2019. My name is XXXX XXXX, account number XXXX. I have called numerous times to get an answer from Navient - Dept of Education. They have refused to send the funds back to my title company, myself, and refuse to apply the payment to my Navient account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to XXXX, XXXX, and Transunion requesting them to remove inaccurate information from my credit report. They did not respond, so an additional letter was mailed out on XX/XX/year>, to XXXX, XXXX, and TransUnion requesting that the debt be validated and to send me a copy of all original contracts validating the debt. All but one responded ; however, they did not validate the debt, and the inaccurate information remains on my credit file. XXXX and XXXX responded
Product: Checking or savings account

I had a bank of America account since XXXX. Everything was fine until the pandemic. Last year in XX/XX/XXXX someone hacked/misused my account and a lot of microtransactions came into my account from google which does not belong to me. All the financial centers were closed and everything was remotely at that time. When I got to know that money coming into my account does not belong to me I contacted BofA to take action and I told them I don't know where is money coming from and it does not belong to me. Instead, of me helping me out and investigating they closed my account and issued an FDIC check ( reversed the payment back to XXXX ) and they reported to XXXX XXXX and XXXX XXXX by saying that does not open his account for 5 years. Now I'm not able to open any bank account and not able to apply for any credit cards. Me being a victim of fraud I'm trying to resolve this issue since last year and they are transferring me from one department to another. I went XXXX XXXX to ask for help they are not able to do that since the account is closed and they don't have access to it. So, every time I'm calling they are transferring me from one department to another spending hours on the call.I tried to open the account in other banks but it's not working due to BOFA reported to XXXX XXXX.
Product: Credit card

I received emails from Chase indicating two of my credit card accounts were scheduled to be charged off on XX/XX/year>. I called Chase on XX/XX/year> to make payments and attempt to arrange payment plans. However, I was informed that both accounts had already been charged off.
Product: Debt collection

Dear SYNCB/LOWES ; I'm really surprised, shocked and dismayed that this account is still reporting {$1600.00} balance as of today. I was on the phone with your staff few weeks ago and i paid this in lieu that this account will be removed off my credit report or updated as paid as agreed never late. As of now, it continues to report inaccurate, invalid, and inconsistent payment history, all invalid dates, questionable balances, and erroneous status. It's illegal the way this account is reporting and therefore, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I did not give authorization for a hard credit pull and its hard pulls for an automobile and I XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted XXXX XXXX and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what XXXX XXXX has done to be unethical and inappropriate ; and I want this reporting removed off my personal.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving emails for over a year now from a company called TRUE ACCORD ( trueaccord.com ) which seems like a debt collections company. They tell me I have a XXXX  balance due and if I dont pay it, it will be reported on my credit. 

I reached out to XXXX  because this was something I was very unaware of, and they looked into my account and said that 1. I have never had a balance due and 2. They dont use any collection companies to collect debt. I have emails as proof. 

I am not reporting this for me, but for the other thousands of people who must be receiving these emails during an economic financial crisis, and are getting scammed into paying these bills they can not afford in fear of their credit being lowered. 

Please do your best to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : INQUIRY REMOVAL While checking my credit report online with the Credit Reporting Bureau, EXPERIAN, I noticed an unauthorized and fraudulent credit inquiry made by this company : Inquiry : XXXX XXXX XXXXXXXX XX/XX/2023 I tried to call Experian on XX/XX/2023 & spoke to someone in the fraud department named XXXX, who was horribly rude & even hung up on me! 
She could have been kind or helpful or courteous. 

So instead of dealing with EXPERIAN again & their rude customer service agents in the fraud department I decided to call XXXX XXXX XXXXXXXX directly & spoke to XXXX in Massachusetts in their credit card fraud dept. 
This was the same day, XX/XX/2023. 
And in talking to XXXX, because she was so kind and considerate, we discovered this inquiry was in fact fraud/identity theft, as whoever it was that applied for this credit used my name & information, but used an address that I lived at over 5 years ago! 
I did have a card with XXXX XXXX XXXXXXXX but that was maybe 15 years ago, so I wasnt sure if it was fraud or not, at first, but discovering this, now I know it was. 
So XXXX said they would request to EXPERIAN to remove this from my credit profile but that they dont always comply in a timely manner. 
This can all be verified through XXXX XXXX XXXXXXXX with their existing claims dept. 
XXXX