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

I made a payment to my cc to pay off revolving balance and minimums for promotional balances in order not to incur any interest charges. The payment went to pay only the promotional balance ( not due ) and left me being charged interest ( {$22.00} ) for my revolving balance that should have been paid. XX/XX/2019 statement. I called to have the payment allocated correctly, but have been told that cant be done. Ive asked how to use the card around the window of when a promotional balance is coming due to make sure payments go to a revolving balance ... .cant get an answer. Ive been told nothing can be done .... stop using the cc doesnt seem to make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by XXXX XXXX and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from XXXXorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Debt collection

I have no acknowledgement about and also im going thru the identity theft as of now. 
Grant Mercantile agency, stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it
Product: Money transfer, virtual currency, or money service

I transferred money using my BofA to XXXX and I got scammed. BofA has been reluctant to help me. All necessary information can be found in the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX  ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


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

I have disputed a XXXX XXXX account with the account # ending in XXXX via certified mail to Experian and XXXX several times. Each time, both credit bureaus have claimed that the information was investigated and verified as accurate. However, I have attached copies of my most recent credit reports from Experian and XXXX showing the same XXXX XXXX account with different payment history information on each bureau. This blatantly proves what I have said all along which is that Experian and XXXX have not acted in good faith in the past in regard to this account and continue to report inaccurate information on my credit file which implicates several violations under the FCRA. 

In accordance with the Fair Credit Reporting act, Experian and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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 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 Metro 2 credit reporting. I have attached evidence to prove my claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all Information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. 

Just so you know you are in violation of the FCRA and I can seek legal remedy please remove the late marking under 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thank you for your understanding and prompt action.
Product: Mortgage

My mortgage company is not applying my payments to my account properly on XX/XX/2020 I had a {$0.00} payment on XX/XX/2020 had a {$0.00} payment then on XX/XX/2020 had a payment of {$1700.00} then on XX/XX/2020 had a payment for {$1800.00}. I am XXXX years old these people are stealing through creative accounting they call it Misc. Receipt.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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

Exeter Finance and XXXXXXXX XXXX, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974.

Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXXXXXX XXXX and Exeter Finance whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from XXXX and Exeter Finance, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Product: Credit card

On XX/XX/2023 I was charged {$360.00} by XXXX XXXX, my phone XXXX of 3 years is Cricket so I reported my card as lost and I filed a dispute. I spoke with the merchant XXXX on XX/XX/2023 and they informed me a refund would be issued. I also spoke with a chime XXXX who told me the payment reversal was initiated on XX/XX/2023 and I should expect the refund by XX/XX/2023. Now this morning chime has denied my dispute and I have not received my funds from XXXX XXXX. XXXX clueless as to why and how this was denied being I dont even have a phone line with XXXX XXXX XXXX be sure to add supporting documents and information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CHASE on XX/XX/2016 which l have no idea about it at all.
Product: Debt collection

TO Sequium Asset YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST your company BECAUSE you ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned accounts by Synchrony Bank ( CareCredit card ending in XXXX, Lowes Advantage ending in XXXX ) for several years and have never missed any payments and they closed my accounts unfairly, which they have been on monthly autopay. I recently changed banks and added my new checking account to both accounts to make sure the payments were made adequately. I can prove the payments withdrawn from a XXXX XXXX account for several years as well as withdrawn from my new banks checking account. Within the past year the CFPB and XXXX found XXXX XXXX has engaged and tried to fault and tarnish my name and Im so thankful for the truthful investigation to resolve the proper resolution that the bank postponed for almost a year until you guys and the XXXX  stepped in. I tried view the payments history and they closed and locked the accounts in name, which I have been unfairly treated as well as been unfortunately discriminated against. The bank was found guilty with fraudulent transactions on my accounts, which led to an arbitration settlement. Now, as an honest and loyal consumer banking with XXXX XXXX over 15 years I decided to no longer bank with XXXX XXXX, due to the unfair treatment and dont trust my personal financial information with the bank. XX/XX/XXXX I spoke with Synchrony Bank and they have made allegations stating I had returned and missed payments, which I can verify on bank statements. When I tried to research the Lowes payment history I found several negative faults, but I assure you in honesty some information was changed. I think we need to check with the credit bureau as well, as Im confident the banks are distinctly targeting my reputation and credit. XXXX XXXX tried to ruin my score by taking a {$3000.00} limit card with XXXX XXXX usage down to only {$300.00} credit limit, which dropped my scores over XXXX points and unfairly treated me to tarnish my credit and borrowing capabilities. The CFPB and XXXX resolved that unfairness and angered the bank Im sure and my score has yet to gain those points back.,, Please assist and resolve this situation. Thank you
Product: Debt collection

To : USCB America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX USCB America with address above, is trying to collect {$100.00} plus interests from on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX. This bill was paid and collected by XXXX XXXX for a XXXX XXXX service made in XX/XX/2022. 

Attached is XXXX bill in the amount of XXXX and copy of the payment transaction collected by XXXX XXXX. 

USCB America must stop and cease any collection efforts immediately for this bill previously owed and already paid to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review attachments below i have inquires that i do not recognize on my report.
Product: Student loan

I have been trying to get my loan payments to be properly attributed as Public Service Loan Forgiveness qualifying payments since XX/XX/XXXX. So far XXXX  has been able to correct most of my account and correctly note the payments as PSLF qualifying payments ( although that took 17 months ). However, I haven't been able to get an effective response from XXXX since XX/XX/XXXX, when I requested them to correct some uncredited PSLF qualifying payments and send me a report with my payment history, indicating whether or not each payment is a PSLF qualifying payment and if not then why. After following up with XXXX at least a dozen times for them to produce this report, I was told today to wait another 30 days, which would bring me to just shy of 2 years from when I first requested further information on why my payments weren't qualifying.
Product: Checking or savings account

I opened a TD Beyond Checking account on XX/XX/XXXX. They advertised customers can earn {$300.00} sign-up bonus with {$2500.00} direct deposit in 60 days. In terms of eligibility, they clearly stated the below in the Promotion Disclosure section ( screenshot attached ) : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I completed the criteria on XX/XX/XXXX yet still no bonus, so I approached TD Bank. They replied I was ineligible for this bonus because I had a checking account with them back in XXXX - which clearly contradicts with their disclosure term of the " preceding 12 months ''.
Product: Mortgage

My mortgage just changed from Interest only to Principal and Interest.I called the company and told them that XXXX will be hard for me to pay.The payment is not due till the XX/XX/XXXX of the month.

Ever since I called them and asked them for a loan modification they call me every other day asking when I will pay.I told them I will pay by the XX/XX/XXXX.This never happened before.I will pay by the XX/XX/XXXX why do they have to call me so often and harass me.This is bullying by the mortgage company I spoke to XXXX agent XXXX totay XX/XX/XXXX, she harassed me today
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

Seterus Inc. is continuing their harassment. I have already filed a complaint case # XXXX which was resolved but in their response to you they were completely misleading and just plain lied. What they did while they had the money they wrongfully had taken out is do a financial report and said there was not enough money in escrow and charged me more money to make up the gap. I demanded a new report be done now that you guys made them give the money back and have heard nothing since. Now they have changed the name XXXX the policy and say they can not talk to me because I do not have authorization for this account. I am and have always been the executor trustee for this account. I have all documents and so do they. If you need to see them please let me know where to send them. I have stated I do not want to do business with this company but have been forced to do so. This is wrong. I ask again how do I stop this? I am losing a lot of time and money dealing with this awful company. They must put me back as the authorized person to talk to and explain with documented proof of what they say made them change it in the first place.
Product: Student loan

Trying to make a payment but my password keeps getting dumped, I can not contact Mohela, They never inform me of what is going on- I have to rely on the news. This is nonsense. i get sent malicious links to reset my password, and if it isn't malicious, it's no good. how do I make a payment if their system doesn't work?
Product: Credit card or prepaid card

I received an email from XXXX on XX/XX/2021, informing me that I am all set to earn XXXX additional points on everyday purchases ( earn an additional XXXX points for every {$1.00} spent on grocery store, drug store, and restaurant purchases, up to XXXX points, from XX/XX/2021 to XX/XX/2021, plus earn an additional XXXX points if you spend at least {$3000.00} on purchases from XX/XX/2021 to XX/XX/2021 XXXX. 

The email did not provide me any link or option to activate the offer. The offer says Youre all set When I called XXXX on XX/XX/2021, to inquire about this offer I was told by the representative that I needed to activate this offer prior to XX/XX/2021. I explained that I never received any emails informing me about this offer until XX/XX/2021. How can I activate an offer I was not aware of? 

After reviewing my account, the representative stated that he does not even see this offer on my account ( which further proves that I did not receive any emails to activate this offer ) and yet I received an email telling me that I am all set to earn XXXX additional points. The email expressly states that the advertisement/solicitation was intended for me. 

I would have loved to activate this offer especially since I just started using my XXXX card again and made purchases totaling more than {$3000.00} from XX/XX/2021 to XX/XX/2021 XXXX promotional period ), which would have qualified me for the additional XXXX points. 

I sent XXXX a detailed letter with a copy of the email included and respectfully requested that they review my account and confirm that I was never given an opportunity to activate this offer. If I had, I would have activated this offer and been qualified to earn an additional XXXX points based on my spending of over {$3000.00} from XX/XX/2021 to XX/XX/2021. I further asked that after they confirm that I was never given the opportunity to activate the offer, and that I had spent the qualified amount, to please give me the additional XXXX points that I believed was fair for me to receive based on the advertisement/solicitation I received. 

In response, XXXX sent me a generic letter stating : " We are currently unable to complete your request. '' I would XXXX to honor the advertisement/solicitation that the email expressly states was intended for me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that TransUnion, XXXX the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. TransUnion has refused to promptly remove these fraudulent accounts. I spoke with a representative from TransUnion who informed me that these accounts would be blocked and removed. While other XXXX XXXX have promptly removed these fraudulent accounts without issue ( see attached proof ), TransUnion continues to report this inaccurate and damaging information. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Product: Student loan

I had a student loan through ACS and it was recently ( XX/XX/XXXX ) sold to another company. I have not received my interest paid in 2017 for tax purposes from ACS and I cant get through via telephone to someone to speak to. When I put in my account number the system tells me ACS no longer services my loan and then it gives me no options of speaking to anyone.
Product: Debt collection

Collection agencies transferring a debt I do not owe and ruining my credit. Their original client XXXX XXXX fraudulently extended a contract after the person had moved to other citty and had returned the equipment. The fees were paid automatically thru a credit card and it was stopped when the person ( my aunt ) due to severe illness was moved from XXXX XXXX to XXXX and later passed away. 

I have extensive correspondence with the collection agency and the credit bureaus but since the deb was transfer to one and another my credit is being impaired. 

I will be glad to supply all the correspondence sustained with all concerned. And like I asked the collection agencies, lets take it to a court of equity and let a judge decide. I think this is the way we settle conflicting matters. In this case I ask for your help to protect my cretit