23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.
Product: Money transfer, virtual currency, or money service

I was trying to link my PNC Bank Student debit account to XXXX so I could fund my account and start investing.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i tried to get my free credit report for online viewing from equifax on the XXXX site. i completed all information but the test questions failed due to equifax 's error in accuracy. the next to last question had a creidtor for car payment which was mispelled severely. i answered none of the above because of the error. the last question asked for the amount of payment. i answered none of the above because the name of the creditor was wrong. the system said i could not get online access. their error. my car payment is paid to XXXX XXXX. that was not even close to the name on the quiz. other issues. i tried to call to put a lock on my equifax report. after going thru their auto system, the system said i would be transferred to a representative, then hung up! i attempted the same with XXXX XXXX and could not lock my file since i did not have a code they said was sent to me. i ended up with a 90 alert. these bureaus are not accountable to the public because oversight is non-existent. to date i am not aware of any consequences for equifax for the great security breach. any other company would have offered free identity theft protection for those affected. at the very least there should be live representatives for XXXX people like me. also, i was able to access my XXXX  report on line and my browser crashed. do i have a way to reaccess this report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This past week, overnight, my Experian credit score dropped from over XXXX to XXXX. Experian has not provided with me a reason as to why this has happened. In my Experian account, I can see that all of my lines of credit are in good standing, with no outstanding balances, and payments made on time. In my entire life I have had one collection on my name, which was for a small amount and was paid off in 2019. In the last two years I have not opened or closed any line of credit. 

I reached out to Experian using every possible method ( phone, email, dispute form, etc. ). They have been unable to help me. With every attempt at contact I have made, they have responded with automated responses explaining why credit scores may change. They have not once been able to tell me why MY credit store dropped aver XXXX points. The phone number listed on the CFPB site for Experian does not help. You can't speak to a human, nor can you hear any automated menu related to dispute or incorrect credit reporting. 

I have exhausted every option to figure out why my credit score dropped by so much overnight. I have not been able to get in touch with Experian. My assumption is that my Experian credit score dropped in error, since my XXXX credit score is XXXX. 

I really need help resolving this. Please
Product: Credit card

Capital One has allowed my credit card to be charged in the amount of {$780.00} by third-party seller XXXX. inc as a recurring transaction after my credit card number was changed. Third Party XXXX XXXX did not have my authorization or my new credit card information, they used the " data press '' process. I have disputed the charge and they refused to return my money back to the account. I had to open the second dispute and provide them with all information and confirmations for fraudulent charges including a copy of XXXX XXXX XXXX they refused to revise it and allowed the charge to go through my account. 
From XXXX XXXX : SEC. 4. NEGATIVE OPTION MARKETING ON THE INTERNET. 
It shall be unlawful for any person to charge or attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( as defined in the Federal Trade Commissions Telemarketing Sales Rule in part 310 of title 16, Code of Federal Regulations ), unless the person ( 1 ) provides text that clearly and conspicuously discloses all material terms of the transaction before obtaining the consumers billing information ; ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account, or other financial account for products or services through such transaction ; and ( 3 ) provides simple mechanisms for a consumer to stop recurring charges from being placed on the consumers credit card, debit card, bank account, or other financial account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX and XXXX XXXX I contacted XXXX to set up a credit freeze. both times I was forced to use an automated system to request a freeze. Each time the system rejected my request because I could not identify companies that gave me loans XXXX years ago. I do not carry any loans except for my bank credit card so can't remember old home loan companies or applications for credit cards. Why are these questions used to screen me for a credit freeze? The other major credit reporting agencies only require XXXX to place a freeze. 
I can't get to a live person at Equifax. How do I clear this up and get a credit freeze? Any help is welcome!
Product: Credit reporting or other personal consumer reports

Students who live with their parents do not have credit history, the parents pay all the bills. 

EXPERIAN Identity Verification Pass if you have Credit History or Fail if you do not have Credit Score?? 

EXPERIAN DISCRIMINATION TACTICS WILL BE REPORTED to Federal Trade Commission and The Consumer Financial Protection Bureau Experian ways of doing business is shameful and greed driven. 

Experian sells credit reports. 

A person with a clean background and clean criminal history does not make much money to Experian as credit history andcreditscores isn't it? 

All lenders, Banks, credit cards, loaning companies, etc pay Experian good money for credit scoresandcredit history isn't it? 

So if a person does not have a credit history Experian does notmakemoney isn't it? 

When Experian processes Identification Verification services for employment and Experian see you do not have a credit history, they fail your report to force you to get credit cardsandgetdebts. 

In other words, this intentionally manipulating reports to fail people and force them to get credit cards, loans etc to be profitable in thenearfuture. 

CLASS ACTION LAWSUIT > MORE THAN XXXX XXXX AMERICANS DO NOT HAVE CREDIT HISTORY, EXPERIAN SYSTEM IS ALREADY DISCRIMINATING AGAINST THEM. 

THIS IS PURE GREED, EVIL, VICIOUS SCHEME WITH PURE INTENTIONS TO HARM PEOPLE AND MAKE THEM PROFITABLE. 

THIS IS PURE DISCRIMINATING TACTICS WITH ONLY XXXX INTENTION, GREED AND PROFITS!!! 

ACCORDING TO US CITIZENSHIP AND IMMIGRATION SERVICES AND THE XXXX XXXX XXXX, THE LIST OF ACCEPTABLE DOCUMENTS FOR IDENTITY VERIFICATION ARE : LIST A Documents that Establish Both Identity and Employment Authorization 1. U.S. Passport or U.S. Passport Card LIST B.- Documents that Establish Identity 1. Driver 's license or ID card issued by a State or outlying possession of the United States provided it contains a photograph or information such as name, date of birth, gender, height, eye color, and address. 

LIST C.- SOCIAL SECURITY CARD WITH A VALID SOCIAL SECURITY # ACCORDING TO THE UNITED STATES GOVERNMENT THESE DOCUMENTS ARE MORE THAN ENOUGH TO PROVE WORK AUTHORIZATION AND IDENTITY.
Product: Debt collection

I was told never to communicate with debt collectors so I haven't. 

Professional Debt Mediation is one of a list of past debt collectors who've handled a debt from an apartment I had years ago. They have changed the date of the debt reporting every few months so it won't fall off my credit report. This debt is the same debt from years ago and I believe it's already too old to continue being reported.
Product: Debt collection

Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
Product: Mortgage

I paid XXXX and XX/XX/2024. They have misapplied my payments and sending me texts that I am in default and my account has gone to credit bureaus. When the issue has not been with me but their inept to apply the funds to the correct months. Then they try to say I was short XXXX cents when I paid the correct amount. There was an overpayment of my escrow in the amount of XXXX cents and that is why XXXX payment was XXXX cents short. I have the letter to prove it from Village Capital. I would like this fixed immediately and both my husband and I 's credit report corrected for any unjust late payments. This is unacceptable for the company to be confused when XXXX 's mortgage was cleared and paid and then confusion when I paid XXXX 's. Terrible!
Product: Debt or credit management

I was charged upfront for a whole year and I canceled. They never gave me a refund instead they kept taking money out my account.
Product: Credit card or prepaid card

This has been an ongoing dispute with Citi. It has almost been two years. Now when I call they tell me we have a no communication with you. That's how they deal with things at Citi. I didn't even bother asking for a higher up due to the fact I have played this song and dance with them for almost two years. I have spent over 50 hours on the phone with them. Nobody knows what to do and they just transfer me from department to department. I was told by 4 supervisors that my account was at XXXX and even after listening to the calls they now say yeah they were misinformed. Really, all 4 who had the same answer? That is what we have dealt with. I have asked for a real person and not an e-mail for the last year and a half. I get nothing just an e-mail saying I am wrong and as far as they were concerned they were done talking about it. Never once Have I talked to a real agent. This is a dispute that we had a balance transfer to a XXXX XXXX for my father. The transfer went through and everything was good. My Dad passed away before the first payment. XXXX tried to get payment from my fathers estate and once they found out they wouldn't get any money they disputed the charge with Citi claiming it was fraud. Never once did anybody from the fraud department at Citi contact me. You would think {$6300.00} would be a concern for fraud. Nope, not only did they send XXXX the {$6300.00} back they sent two checks. This made my account negative {$12000.00}. It took almost 6 months to clear that up. Then we spent 4 months because I had a negative balance for {$6300.00} with Citi and a positive of {$6300.00} with XXXX. Citi told me that once XXXX releases that money back to them my account with be at XXXX again. This is on top of the 4 other times they told me my account was supposed to be at XXXX but all of their supervisors were incorrect. Then in XXXX the check finally went through. At that time Citi closed out my account and when I called to check it said I had XXXX  balance. Then two months later I see my credit score going down. When I go into XXXX XXXX nothing shows so I thought they finally did the right thing. Of course typical Citi they didn't. They keep dinging my credit every month, have a communication block on me. Great company. All I want them to do is do what they said they were going to do for the last two years. Put my account back to XXXX. I was with them 12 years prior to this and never missed a payment. I can not believe this is still going on after two years. XXXX said since they got their money there is nothing more they can do. Citi should have never given them back that money without an investigation first. If they want to go after XXXX be my guest. I have told them I will not be paying this bill. If we need to pursue legal action then please let us know. Our attorney is on our file. We didn't pursue it last time cause they closed the account.
Product: Credit card or prepaid card

I didnt know this account was closed.I never received paperwork/info why this company closed my account.I know this card used to be sears and was transferred to shop your way.Because its closed without me knowing, it has dropped my credit score.I believe under the Consumer protection act, CBNA has to notify me by letter that there closing my account and the reasons why
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

I opened a new savings account and the Bank website and the bank XXXX confirmed this statement from the bank 's website XXXX XXXX For new accounts, we will waive the monthly maintenance fee for six months from account opening. '' *** SO, AT THE DIRECTION OF THE BANK MANAGER, I DEPOSITED {$100.00}. ON THE SIX MONTH I WAS AUTOMATICALLY CHARGED AN {$8.00} SERVICE CHARGE FOR SUPPOSEDLY HAVE A LOW BALANCE. I went to to the bank on XXXX XXXX XXXX and I was told by the bank manager I needed to maintain a balance of {$500.00} or more. Therefore i deposited additional funds in my account that brought my balance to {$500.00}. I was referred to this additional statement from the bank 's website : *** " {$8.00} per statement cycle We'll waive the monthly maintenance fee each statement cycle you meet one of the following : Maintain a minimum daily balance of {$500.00} or more in your account '' **** Since I complied with this new requirement of having a balance greater that {$500.00} I was assured by the bank manager that I would not be assessed any {$8.00} service fees anymore... INSTEAD, THE BANK CONTINUED TO WITHDRAW {$8.00} PER MONTH FRPOM MY ACCOUNT, WHICH CAUSED MY BALANCE TO FALL BELOW {$500.00}!!!!!! 
I VISITED THE BANK MANAGER XXXX XXXX AND SHE ASSURED ME THE BANK HAD MADE A BIG MISTAKE AND MY FUNDS WOULD BE RETURNED SO MY BALANCE WAS BROUGHT BACK OVER {$500.00}. XXXX XXXX XXXX XXXX XXXX has not done anything and all attempts to contact her further have been rebuffed. I believe there is fraud at this bank and someone there is illegally withdrawing funds from customer 's accounts. I should never had been charged service fees after my account balance exceeded {$500.00}. I want all my funds restored and a written personal apology. I want all bank employees charged with theft and fraud. 

https : //www.bankofamerica.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when I sent an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CT 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : 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/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 

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

In accordance with the Fair Credit Reporting act, XXXX Acct # 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