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

Amercian Express authorized the withdraw of funds from my business checking account without my authorization. 
These funds, were withdraw from my account at XXXX bank, without my authorization and never apply to my AMEX credit card account. XXXX bank account number XXXX under name XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called XXXX bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need all these funds, to be returned into my account checking account at XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a balance of {$2300.00} The same balance has been added back to my profile for this account that has been settled - AGAIN!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same item at least seven times. This is for XXXX in the amount of {$2400.00} and XXXX XXXX ( the  collection agency XXXX sold the dept to ) for the same amount. On my initial dispute, l was not forthcoming about the family member, who shares my sir name and who was a house sitter for me, during this period of fraud. However, After the initial dispute results came back as- correct and confirmed accurate for XXXX, with only XXXX XXXX being deleted from my report ; l was left with no choice but to provide the Equifax with that information. Despite disputing an additional 5 more times, the results are identical. This has gone on for about five months in total. I believe the results are bias and my dispute is being mishandled by the same group of people. XXXX, XXXX and XXXX have all removed both items. Equifax is the only reporting agency who continues to verify as accurate despite my having a fraud alert and police report on file for identity theft. Please intervene ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudlent charges on my XXXX XXXX that I did not make, they say I benefited from things but their is no proof of such thing. 

Under federal law I reported the problem in a timely manner and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).
Product: Credit card or prepaid card

My Citi Credit Card payment on XX/XX/XXXX, was XXXX I made a mistake forward a check in the amount of XXXX. When I realized that I made this mistake I chatted with CITI at that time requested that the payment be returned to my checking account. this was XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from the customer Service Team this letter stated " If this payment is refunded, your balance will over your assigned credit limit. If you want us to send a refund, please call us. Take into account that my minimum payment was XXXX which was it seems that Citi Card was holding my money hostage the XXXX refunded to me was my funds not Citi Card how is it possible legally to use my funds to exceed the limit. Citi Card reduced my credit limit after I made a XXXX in XXXX, they also stop all cash advance. When I made this error XX/XX/XXXX, Citi Bank took the same action against me for reason unknown my account was paid on time usually schedule. I question Citi Card authority to review my account twice in the 2 past years each when I was within my contract, as mentioned before I have never missed or been late on a payment. I presently have a dispute with Citi concerning this issue I am waiting for Citi Card response. I filed my dispute with the CEO in New York. I want to file a complaint against Citi Card for violating the Fair Credit Reporting Act. Citi Card send misinformation that I am over credit limit to each Credit Reporting Agency. This information is lowered my credit score. I feel that is s violation of my Civil Rights along with Racial Bias based on my AGE XXXX XXXX XXXX Race XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, XXXX bank, XXXX bank and so on. They even tried or change my address to receive the credit cards to their homes. XXXX with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / XXXX Bank XXXX XXXX charges were made in XX/XX/XXXX. After the freeze order was placed through Transunion, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.
Product: Student loan

My loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. 

My credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. 

The first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. 

The most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that " The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is " valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.

That being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. 

Equifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. 

The issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. 

My lenders each report my SSN on my file and it is therefore listed as a " SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.
Product: Student loan

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for-profit online schools such as the one I attended, The XXXX XXXX of XXXX. The XXXX XXXX of XXXX was investigated by the attorneys general of XXXX, XXXX, and XXXX, Because of the numerous claims of fraud and misconduct perpetrated by these online for-profit schools, such as The XXXX XXXX of XXXX, I was able to file a Borrower Defense XXXX XXXX the Dept. of XXXX against The XXXX XXXX XXXX XXXX and my Fed. loans are now eligible for discharge and my credit is being repaired. My XXXX XXXX XXXX was also part of the XXXX  Vs. XXXX settlement for which I was a full class member. 

I am aware that XXXX  was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient XXXX XXXX XXXX XXXX '' lending company in a " deal '' with these schools during the early XXXX. These private loans with a high risk of default were part of a package deal offered to " for-profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for-profit online schools. After the XXXX settlement, didn't XXXX  also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Transunion. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Transunion, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My Transunion consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship. Transunion is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.
Product: Debt collection

Company called my sister on XX/XX/year>. The voicemail stated that they would be reaching out to my job as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, TransUnion and XXXX  about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives
Product: Credit card or prepaid card

I went on XXXX XXXX with the XXXX  in XXXXXXXX XXXX XXXX and I contacted Military Star asking about SCRA Benefits. They provided an email address which was incorrect and told me this was the only way to get benefits. Around XXXX XXXX XXXX, I called to have pay off the card and have the late payment removed from my credit report. The representative accepted my terms and I proceeded with the payment. After completion of Payment the representative state she was not able to perform the removal of the remarks she agreed upon in exchange for payment. She gave me another email address and told me to contact the dispute department ; this address was incorrect again. After this issues I have filed multiple disputes with the Credit Bureaus and out of reprisal the creditor added another late payment which all three credit bureaus have dropped from my credit score. Additionally, this creditor sent a letter directly addressed to my employer with a partial account number and past due balance in direct violation of the FDCPA. I am supposed to be in a protection period under SCRA and NH State law from these actions against me and request the CFPB assist in protecting my rights under state and federal law.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged late fee by capital one credit card even though I had made my payment on time. When I called the bank, they told me that they had internal compute issues and it was automatic charged by their computer. But that was corrected and reversal and never posted to my statement. The XXXX XXXX  failed to notified me on their internal computer issues and took care it without informing. I am sure that they are liable to inform there customers for this kind of issues. Please look into it and I am sure I am not the only one effected. I spoke to XXXX XXXX, rep id # XXXX on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX refuse to remove a negative reporting ( a 30 days late ) payment even though XXXX XXXX agreed that the 30 days late payment was because of something that was their error. XXXX XXXX notified me of the change of reporting via mail on XX/XX/19 and I forwarded what XXXX sent me via their XXXX office to Experian. Experian refuses to do their due diligence and investigate this further and remove it from my account! Please have Experian remove this from my account ASAP
Product: Debt collection

This alleged debt first originated from  XXXX   XXXX   XXXX  that showed up on my credit in mid  XXXX . I disputed it with them because they said its from  XXXX  with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.
Product: Debt collection

Discover Bank refuses to completely delete my collection account after i paid for a deletion. My account was closed on XXXX. Payment date was XXXX. I have called them several times about this. Last call was on XX/XX/23 ; I was told there was nothing i could do about the account being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to correct the accounts. BUT TransUnion has some internal block which they're claiming they can use to not correct the accounts because they feel they're above the law. When questioned why they're not accepting the Dispue Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, Bankruptcy Chapter 7 Discharged XXXX
Product: Debt collection

This complaint is in reference to Comenity XXXX, services offered by XXXX XXXX Bank via their XXXX  Credit card plan. I had a balance on the XXXX Credit card of {$4600.00}, I made a significantly large payment of {$2900.00} to my account in XXXX to pay off my outstanding expiring plan in full to avoid paying accrued interest, in addition to a small monthly minimal payment minimal payment. The company in my opinion purposely did not apply the payment to the charge I intended to pay off in full and instead charged me in my most recent statement {$1100.00} in interest charges for not paying this balance in full, despite the fact that I had. This company purposely buries late fees and charges to catch their customers from their home screen dashboard, it is very unclear what's going on in the account. In addition, there system is poorly managed so something like this can happen and one can not purposely direct their payment to pay off the correct balance and prevent this misapplication. I called the company and spoke with XXXX XXXX # XXXX to fix the situation and have my payment applied as intended, they did not work with me to correct the payment. I think this company is fraudulent, purposely hides payment dates, leaves their customers on long call wait times and does not communicate to their clients their potential late fees and charges. Their home screen is very misleading.