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

A promotional financing option was presented upon purchasing a product from XXXX. As long as the balance of the purchase was paid off in the prescribed amount of time, no interest would be charged on the purchase. 

In XXXX of XXXX, the promotional amount due by XXXX XXXX was {$890.00}. 
I made the following monthly payments : XXXX : {$200.00} XXXX : {$400.00} XXXX : {$150.00} XXXX : {$150.00} XXXX : {$350.00} XXXX : {$0.00} XXXX : {$550.00} TOTAL : {$1800.00} However, they only reduced the " promotional balance '' by {$30.00} each month despite my large monthly payments. Because I had another " revolving '' line of credit on the same account, the credit card company applied most of the balance to the " revolving '' balance. 

It was not until I noticed that my promotional balance was NOT paid off and I was assessed an additional {$250.00} in accrued interest, that I found out that my payments were not going to pay off the promotional balance. 

After looking into my statements and callling Comenity Bank XXXX the credit card company handling the XXXX credit card ), I found out about how they allocate your payments primarily to the revolving credit and NOT the promotional credit, XXXX unless you call them and tell them otherwise! XXXX. They also say they DO apply a greater amount of your payment to the promotional balance if you are nearing the expiration of the promotional period. However, it is NOT outlined anywhere how they allocate your payments closer to the expiration date and they did not do this in this instance. This is an easy way for them to allow the promotional balances to default so they may collect the outrageous " accrued interest ''. Disgusting! The customer service rep. put me on hold when I asked to speak to a supervisor, but no one ever came back on the line. When I called back, they were closed for the day.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, TransUnion acknowledged receiving my information and dispute letter, but they declined to investigate the matter, alleging that I had engaged a credit repair company. I have endured months of mockery from TransUnion, and I am reaching a point of extreme frustration. My consumer rights are being violated, and I am seeking guidance on how to assert my rights and address this recurring problem.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt collector has not provided me proper debt validation for this allege debt.
Product: Checking or savings account

I was recommended by my bank ( Santander ) to open a XXXX account with XXXX XXXX, who it affiliated with Santander Bank. I met XXXX XXXX on or about XX/XX/2022, at which time I informed him that my business was not ready to accept the services, however, he continues to call with the help of Santander Banker. We met again on or about XXXX XXXX at the bank and he asked me for my information, and again I told him that I was not ready to open such an account. He guaranteed me that he would only take the information but will not activate the account until I was ready to do so. 
Although, I did not give him permission to activate the account, he did so at his own accord with XXXX XXXX. Funds were immediately debited from my account starting XX/XX/2022, up until XXXX XXXX. 
Santander Bank closed my account without any notification and referred my business to a collection agency. I am requesting to have my business reinstated back in good standing. 
I was informed that XXXX XXXX 's affiliation with bank was terminated.
Product: Mortgage

I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to Experian and XXXX here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. Experian also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have a 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
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. The 3 credit bureaus 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 ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXXXXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Product: Debt collection

I was contacted by letter with Credit Systems International Inc for XXXX XXXX with a Past Due amount of {$700.00}. I contacted Credit Systems after receiving the letter explaining to them that due to Covid-19 my Car Lot closed. I contacted Alabama Power and told them I was moving and to disconnect the power, well they didn't and my Ex Landlord had another Car Dealer take possession of the property the next day. I put up a {$750.00} deposit and didn't owe the Company any money. After responding to the letter I was told the file would be put in dispute. Well 2 weeks later I get a Alert from XXXX XXXX and XXXX XXXX saying a collection from this company was put on my XXXX and XXXX Credit Report. On XX/XX/20 I spoke with the Supervisor Mrs. XXXX XXXX and she promised me that she would delete the collection off of my Credit Report. I take pride in having Great credit, I have 6 Credit Cards paid on time and a Mortgage paid on time too. Right now Credit Systems International Inc. violated my rights under the Fair Credit Reporting Act and they are liable for damages in State and Federal Court for {$1000.00} each plus other damages. Presently I am trying to obtain a Loan to reopen my business but due to this collection I have been declined, they need to pay me {$50000.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXX  on the XXXX day of XXXXXXXX XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX XXXX XXXX : Account number : 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 ) ( 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. 

I was told that these accounts are verified as accurate by Equifax, but I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Equifax already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with this company. I would a fair, and proper investigation done and this account deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Bank account or service

On XXXX XXXX at approx. XXXX I attempted to deposit {$3000.00} cash in the atm machine inside the lobby at the PNC bank at XXXX XXXX XXXX XXXX. XXXX GA XXXX. The machine did not accept XXXX of the XXXX XXXX $ bills and then the machine malfunctioned and a screen showed " Unable to complete transaction please contact your banking institution '' It then returned my card with no receipt and kept {$2900.00} without depositing the amount in my account. I then called the number on my card where I was transferred over to a voicemail multiple times by attendants who seemed unconcerned with my issue. I went into the branch the next day where the bank manager initiated a dispute. I have spoken to the operators with customer service no less than 7 times over the last 13-14 days. I was told an investigation would then begin and that provisional funds in the amount of my loss would be in my account in no more than 10 days from my loss. At 10 business days ( 12 days total ) the funds were not in my account. I called the customer service line again to ask why and they told me there are no disputes in the system. I then found out once they reviewed notes that operators from within PNC had entered XXXX separate disputes for the same event. As I understand it the XXXX operators had then entered the system to erase the duplicate dispute and by doing so they accidentally erased the original and the duplicate because they did not read the notes. I asked them what this means and they stated they would have to start over and initiate a new dispute. They will not provide me with any other info and it would seem everyone I have spoken to conducts themselves with an amount of disregard for customer concerns even if they do so politely. Incompetence followed by a policy of disregard with a smile is still incompetence and disregard. When I asked them or told them I will have to speak to my attorney and or the media or someone who could help me the woman became slightly rude and asked me " am I threatening with legal proceedings or media '' at which point the woman seemed to indicate that it would interfere with the process and that she would have to turn me over to the " escalations '' dept. She behaved as if I was now doing something wrong. No matter who I call or what I do I can not seem to get any specific answer on when I will get my money back if at all. The company is displaying habitual incompetence coupled with what seems to be a policy of blatant disregard for the consumer. Any help you could provide me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my FULL report from NexisLexis as they have and continue to give out false, fake misleading information and for now 5 months have refused to provide me a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.
Product: Student loan

I applied for a new loan with Mohela on XX/XX/2024. I wanted to change from a PSLF loan to a graduated loan because I could not afford the payments under the PSLF. When I applied I was told a decision would be received in less than 2 weeks. I just received the decision today. 
I received a denial letter for an extended loan which is not what I requested back on XX/XX/2024. I requested a graduated loan. 
I have placed this loan into forbearance twice now because it takes Mohela so long to respond and now they processed the wrong loan request. 
I can not continue to place this large loan into forbearance while I wait for Mohela to get things correct. I need to know if I can change my loan to a graduated plan as applied for.
Product: Debt collection

XX/XX/2021- I have placed several phone calls to this Clark County Collection Service, LLC, and never received a phone call back. 
I have written letters to have the company remove this debt from my credit report and to no avail, the debt is consistently staying on my report. I have disputed this debt with all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you provide information regarding a credit report listing that appears as XXXXXXXX XXXX XXXX within my consumer file. Until I fully understand this trade line, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to the FCRA, FDCPA, or other applicable statutes. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistance in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 30 days because you may have seriously damaged my privacy rights, personal reputation, and financial standing. For that reason, I am asking you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship - i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit report immediately. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections