23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Illegally Charged Interest on Credit Card Balances Paid by Payments Above Minimum. 

Citi Reference No : XXXX. 

I have two credit cards with Citibank N.A., Citi Double Cash Credit Card ending XXXX and Citi Rewards Credit Card ending XXXX. On both credit cards, the monthly minimum consists of interest plus 1 % of the balance or {$41.00}. Balances are accrued daily ( the agreements attached ) on both cards. In the period of XXXX to date I have had balances with different APRs ( statements attached ). Every month. I make payments in excess of the minimums. However, Citibank fails to apply all my payments above the minimums to the highest XXXX balances. On card XXXX, the extra payment totaling {$1500.00} on XX/XX/XXXX failed to apply to the balance of XXXX at 27.24 % and reduced lower APR balances instead. I complained multiple times by phone and in writing on XX/XX/XXXX and on XX/XX/XXXX. In four written responses of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Citibank misrepresented my credit card agreements stating I must pay my balances in full every month before the payments could be applied to the highest APR ( absurdity, attached ). Overall, Citibank charged me over 150 days of illegal compounded interest, instead of three days. The amount of illegally charged interest on the card ending XXXX was {$35.00}. In response to one of my complaints, Citibank made a 'courtesy refund ' of {$27.00} of the illegally charged interest but continued to charge further interest on the same 27.24 % APR balance, failed to correct the balances and statements and correctly apply the balances to comply with the Credit Card XXXX XXXX and the card agreement terms. 

In the same manner, Citibank has been mistreating the payments above minimum on my credit card ending XXXX which is most clearly seen on the statements in XXXX, XXXX and XXXX - none of the payments in excess of the minimums were applied to the highest 5.99 % APR balance resulting in at least {$11.00} illegally charged interest. 

On XX/XX/XXXX I filed a complaint to Citi Executive Response Team, only to receive on XX/XX/XXXX yet another misrepresentation of my card agreement claiming Citibank 'correctly ' applied my extra payments to 'balances above 0.00 % APR '. I attach the Chronology of my interactions with Citibank. 

What initially seemed like a system error or incompetence, is now clearly a deliberate system endorsed by senior Citibank management designed to charge illegal interest. There are reports from the people I know and on Internet describing the same mistreatment of extra payments by Citibank. Other 12 banks where I have balances with different interest rates always apply payments above minimums to the highest APR balances immediately on the day of payment. 

With over {$100.00} XXXX of outstanding credit card balances, Citibank seems to have been making billions in illegal interest for years. The Regulator involvement is necessary to correct this. Thank you.
Product: Checking or savings account

I had some unauthorized charges on my account with in the past 6 months and haven't noticed until tax time. So I disputed this with Chase Bank and of course they won't help you recover your money. They only want to take it from you. I had 2 charges happen a few days ago before I started the dispute. Chase sent me a letter 1 week later saying they were sorry and can't recover the funds that were taken because they were over 3 months old. What happened was the banker in the dispute department filed all the charges under the same claim in which was his fault. So they couldn't reclaim the money because the the oldest charge was over 3 months old. Even the new charges that happened days ago couldn't be reclaimed because the banker filed those with the old charges. So Im out of money and after 7 years with Chase Bank I will be closing my account with them and never going back. They have the worse customer service and rules. Never in my life seen a bank make a mistake and not fix it. Its not like they were losing any money on their end. They just didn't won't to help me recover mine.
Product: Student loan

My son 's student loans were referred by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) toXXXX Services of XXXX, New York for collection. I wrote ConServe on XXXX/XXXX/XX/XX/XXXX requesting copies for balance sheets for the XXXX loans, showing how the payments I had made for several years had been credited. On XXXX/XXXX/XX/XX/XXXX, they responded with statements of the totals owed for the XXXX laons, but not the breakdown of payments that I had made. I wrote them on XXXX/XXXXXX/XX/XXXX again requesting balance sheets for each loan, so I could ascertain how the payments that I made had been applied. I received no response from them. On XXXX/XXXX/XX/XX/XXXX my son receioved notification that his federal tax refund of over {$1000.00} had been offset at the request of XXXX. On XXXX he received notification that the same XXXX loansad been referred to XXXX XXXX XXXX for collection. I wrote XXXX on XXXX/XXXX/XX/XX/XXXX disputing the debt, and requesting the same information that I previously requester from ConServe.
Product: Credit card

2 years ago i go out of town on a vacation, so i call my credit card company so that i can put money on my card they said yes, and on my family vacation they stop my money i had to borrow money from my family .and than i payment them on time and i over payment in XXXX i make 2 payment they told me, i had to tell them that that pay were for XXXX and XXXX, so they keep it for that one month in XXXX they came back saying i were behind so i pay it again and i let them take the payment directly from my bank account, and they are still taking my money but my account do not go down, the lady told me that she can do what she want to and she did it to, i did not know they had mess up my credit score and my husband credit score just as well,,, please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX 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 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
Product: Debt collection

LVNV FUNDING LLC. BE ADVISED, this is not a REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification " or proof of my MAILING ADDRESS, but A request for VALIDATION made PURSUANT to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTIONS AGAINST YOU AND YOUR CLIENT FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER ( PER SE ). 
ALSO, I REQUEST ANY DOCUMENTS WITH MY SIGNATURE STATING I OWE ANY DEBT ( WET SIGNATURE ). IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED IMMEDIATELY!
Product: Debt collection

calling couple times a day, threaten to call family members and neighbors. I even asked if they were threaten and they said yes. I have told then we do not owe any money to our contractor who was doing work on our house because nothing was done and I have pictures to prove it.
Product: Money transfer, virtual currency, or money service

XXXX requested a credit of funds to be transferred to my grantor trust account received letter stating that they disagree with my assertions as they are invalid and without merit. 

sent copy of live birth certificate, from XXXX / XXXX and XXXX filing.
Product: Debt collection

A company by the name of I.C.System has called and harassed me viciously regarding a debt from XXXX XXXX XXXX XXXX Now they are sending letters to my home claiming I owe {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Prepaid card

XX/XX/XXXX I was unable to withdraw funds from cash app from the ATM, the problem was never resolved. 
XX/XX/XXXX There was an unauthorized payment from a XXXX XXXX XXXX XXXX that wasnt resolved because they required me to link a checking account, also documentation from the place I never purchased from. 
XX/XX/XXXX Contacted cash app about a declined payment. 
XX/XX/XXXX Transaction wasnt recognized, took a duplicate payment. Was told I had to deactivate card and get a new one. 
XX/XX/XXXX I didnt recognize a transaction, filed a dispute.havent heard anything from them since. Eventually cash app closed my account for unknown reasons and wouldnt allow me to create another one.
Product: Debt collection

Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint. 

The following Creditors have violated the rights afforded to me by the FCRA : 1. XXXX XXXX BANK - Account Number : XXXX. 
2. XXXX XXXX - Account Number : XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account Number : XXXX. 
4. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

XXXX**The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Information breach, ferpa and education act violation, not providing information about account. Unaware my account was sold
Product: Mortgage

1. My escrow analysis for the property taxes is going up {$410.00} 2. My taxes paid to Town of XXXX for XX/XX/2018 Property tax were {$9600.00}. That is not true the taxes paid to the town of XXXX are wrong as the town of XXXX received {$9500.00} that is a difference of XXXX. see attached tax receipt from Town of XXXX XXXX 
3. I am in dispute of your escrow analysis statement that show a shortage and an increase in the monthly payments.

4. I respectfully demand you do a verified analysis as the property taxes are lower going forward.

5. I would also like to know going backward how may other times you overpaid or over charged the property taxes on this account. 
Also every month extra money is paid to the account and I believe it is no credited properly
Product: Credit card

Describe what happened so we can understand the issue ... 
In a nutshell, I had a Chase bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. ( SEE ATTACHED LETTER dated XX/XX/XXXX ). I paid them, PER THEIR TERMS, and received confirmation from them via a mailed letter dated XX/XX/XXXX, that they are ... .. 'pleased to confirm that they received the payments to complete the terms of the settlement agreement ' ... ... ( SEE ATTACHED LETTER dated XX/XX/XXXX ). 

Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms stated in their letter to me, but are reporting : " charge off '', no mention of any settlement, and " settled for less than full balance '', etc ... paid in full for less than full balance, etc. ( see attached letter dated XX/XX/XXXX ). THIS IS NOT THE SAME THING AS THE XXXX WORDS I WAS PROMISED- " SETTLED IN FULL ''. 
I did not agree to " settled in full, for less than full amount '', or any similar term. The point of trying to settle this account was to clear the negative trade line! 
Chase insists they have no control over how the XXXX CRA 's report on this, and they are reporting this correctly. 
I see a BIG difference in an account being noted as SETTLED IN FULL vs. " paid in full for less that full balance changed off ''. 
I feel that their collection practices are fraudulent and I feel that I was tricked into trying to resolving this account, with false promises made by them about how the account would be noted, once paid per their terms. 
They also state that they can not delete information from my credit report, which is also a bold lie ( see attached letter dated XX/XX/XXXX ). They are the ones who reported this to begin with and, they have the power to correct this, or even just delete the whole trade line, since it is being disputed.
Product: Debt collection

On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, XXXX says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.
Product: Mortgage

I write to request a 3 month extension of my forbearance to allow for United Wholesale Mortgage ( " UWM '' ) to process my pending deferment application. 
Due to a COVID-related incident, in XXXX of XXXX I was placed on a 3 month forbearance with UWM ( see attached ). Three months later, while still experiencing a financial hardship related to COVID, I received an additional 3 month forbearance ( see attached ). The forbearance was scheduled to end XX/XX/XXXX. 
On XX/XX/XXXX, I contacted UWM to apply for a deferment of the outstanding balance that accrued during the forbearance period -- approx {$25000.00}. I was told it was too early to apply and that I should wait until mid-XXXX. It was explained to me that the deferment application takes 10-14 business days, and once approved, my loan would be placed back into repayment status and my regular monthly payment would resume. 
On XX/XX/XXXX, I contacted UWM and applied for a deferment. I was told it would take 10-14 business days and that my deferment would be approved because the forbearance related to COVID. I was told that I would continue to receive notices to contact UWM for a " loan workout '' ( see attached ) but that I should ignore them because my deferment application was pending. Thereafter, on XX/XX/XXXX my loan was taken off forbearance and placed in repayment status. I contacted UWM on XX/XX/XXXX to inquire when my deferment would be processed and asked how I should submit the monthly payment for XXXX. I was told to wait, to be patient, and to NOT make any payments. 
It is now XX/XX/XXXX, and the only correspondence I have received from UWM are letters telling me to contact them to " work out '' an agreement to payback the outstanding balance. When I call, customer service tells me that the letters are standard and that I should ignore them. Moreover, I am told that my deferment application is still under review. During a phone call XX/XX/XXXX, I was told that UWM takes 30 days to process deferments so I would likely not receive a response until mid-late XXXX. By that time, I will be past the grace period and UWM said they would have to report the delinquent payment to the credit bureau. 
UWM completely misrepresented the deferment process to me when I first applied for the forbearance. Further, they misrepresented to me the timeline for applying for a deferment. Each time I call I receive the same response -- wait. Meanwhile, I risk getting a negative reporting because of UWM 's misrepresentations. Please correct this immediately.
Product: Student loan

I have paid XXXX to Nelnet through XXXX ( as of XXXX, XXXX ) and this student loan payment ( and related garnishment ) should be complete. However, Nelnet and XXXX has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). Nelnet has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and Nelnet has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.
Product: Debt collection

The owner ( XXXX XXXX ) mother ( XXXX XXXX ) has my information from a tax return I never collected from her, they are accusing me of messing up an apartment I only stayed for 2 months and left peacefully and clean space.now they arnt giving me my return and they arnt giving me my money I payed them for the month when I left on the XXXX XXXX  XXXX. They sent me pictures blackmailing me and blaming me for things I never did. Now they are using my information to fraudulently tie my name to a lease I never signed and I didnt live in for the whole duration.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited tech issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

Important XXXX Report My name is XXXX XXXX XXXX DL No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My story by very briefly On XX/XX/year>, I received a notification from Bank of America for a strange activity that XXXX XXXX XXXX had theft my identity by help XXXX XXXX XXXX he made a fake robbery case for me. When I searched more I discovered in my account XXXX XXXX $ in external account but there is nothing on my transactions! and there was also investment stocks in XXXX XXXX and other! Immediately after that my account was closed and they started stalking me, they tried to Kidnapped and kill me and put me in prison. This has been going on for months and I have filed more than one report with the police and the FBI, butfor nothing! In XX/XX/year> I scaped to XXXX and now I don't know what to do. The story is so long, I have more and prof but this is very briefly. I think they are very dangerous XXXX more dangerous than money laundering and fraud, maybe a XXXX organization. Especially a lot of them are XXXX organizations and XXXX services like XXXX centre, XXXX American service. The prayer of XXXX XXXX and XXXX XXXX ( XXXX XXXX ) And I know other persons ( XXXX XXXX in XXXX his name XXXX XXXX, ( XXXX XXXX ) from XXXX or XXXX! And ( XXXX XXXX ) from XXXX. 
I hope to help Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.