23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.
Product: Mortgage

15 Year Mortgage with Bank of America. Homeowner ALWAYS had private homeowner 's insurance paid separately, and NEVER part of the mortgage payment. Premises has always been properly residential/professional zoned. Beginning XXXX, Bank arbitrarily and capriciously begins sending default notice alleging Homeowner has " no-insurance coverage ''. Homeowner submits proof of insurance coverage no less than four ( 4 ) times, including proofs from the Homeowner 's Insurance Company. Homeowner NEVER late with any payment, and now with approximately 1 1/2 years left on mortgage. Bank now begins to withhold homeowner 's current payments, and purposefully and willfully applies them to " default on homeowner 's insurance '' only. Thus, Homeowner now being charged with late fees, and/or threats of non-payment of the mortgage. Given the numerous proofs of valid, current homeowner 's insurance, as well as, said proofs for nearly 13 year of compliance, Bank is taking an obvious and blatant attempt to move Homeowner into defualt, extort additional monies as " insurance '', despite proper coverage and submitted proof therein. Bank will not credit nor account the payments properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Citibank currently currently owns my loan with the following account number : XXXX.The loan has been discharged and I am currently making payments to XXXX XXXX XXXX ( as the attached paperwork will show ). 

Unfortunately Citibank is still reporting missed payments even though the loan is being serviced through a debt collection agency. I have attached my most recent consumer credit report as well as my payment history from XXXX XXXX and the response that Citibank had sent me when I initially challenged this -which you will find in the previous case. 

Citibank claimed they are not reporting on my credit which is'nt true, Citibank reported I filed for bankruptcy which isnt true, Citibank stated they sold my loan which they didn't I need to have these payments removed from consumer credit report and an updated letter from Citibank stating their intention to do so.Any help would be greatly appreciated
Product: Credit card

Please refer to the details in Closed Compliant XXXX. The company has NOT resolved the complaint. 

I received a response from Citibank dated XX/XX/year>. The response did NOT resolve the complaint. The company 's response continued to confirm that they failed to apply the extra payments to the highest interest rate balance ( Balance Transfer Offer XXXX ) as required by their policies and regulations. The company 's response states that interest rates listed on the prior statement are applicable rates to determine which balance portion has the highest rate. The company states a good " rule '' is to wait until the statement has cycled to make extra payments. Their " rule '' is clearly only beneficial to Citibank for charging higher rates of interest.This " rule '' also appears to conflict with their policies and federal regulations. 

To be clear, the company 's response contradicts the actual interest charges made to the account. If the company 's response were accurate, the rate on Balance Transfer Offer XXXX would not have been 26+ % as of XX/XX/year>, because it was 0 % on the prior statement. The company would also not have charged interest of {$99.00} ; Interest they now offer to refund as a " courtesy ''. The company appears to be using their " prior statement rule '' for extra payments as it benefits them because they are definitely not using the " prior statement rule '' for charging interest to the consumer. Based on this " rule '', the consumer can not pay off a higher interest rate balance until the next statement, ensuring Citi is able to charge interest to the consumer during that time period.

1. The cardmember agreement does not specify the method the company will use to apply payments ( based on prior statement rate or the rate on actual date of payment ).

2. The customer service representative assured me on XX/XX/year> that the extra payment would be applied to Balance Transfer Offer XXXX ( the highest interest rate balance ) and that my previous extra payment had also been applied to that higher rate balance.

3. Federal regulations require extra payments be applied to the highest interest rate balance first.

4. Company correspondence continues to confirm that the company 's records clearly reflected the higher interest rate on Balance Transfer Offer XXXX on XX/XX/year>, the date of the extra payment, ( because they started charging interest on XX/XX/year> ). Their records indicated the Balance Transfer Offer was the highest interest rate balance and they clearly failed to apply the payments properly.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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

MyFedLoan is the servicer of my loan. In XXXX  starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. MyFedLoan then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since MyFedLoan dropped the ball, and now I'm having to spend hours and years correcting the mistake of MyFedLoan. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting pre-approval letters from credit Karma for years now & when I submit the pre-approval I still get denied & it give me a hit on my credit score
Product: Checking or savings account

On XX/XX/2021. XXXX refunded {$73.00} into my checking account after I cancelled a carpert cleaner I ordered. 

XXXX ID # is XXXX, their authorization code number is XXXX. 

I checked my checking account with Wells Fargo. It's as though the transaction never took place. I'm checking my account and XXXX is not listed.
Product: Debt collection

A company named EMS continually calls me regarding a payday loan that I never took out. They are stating that I took the loan out in XXXX of XXXX and it was deposited into a XXXX XXXX account. I have had a XXXX XXXX account since XXXX and I have n't taken a payday loan out since XXXX. I do not recognize the loan company that I supposedly took the loan out with. This company has gone as far as contacting my direct family and my in laws. If I did take a loan out I would not have put my family members phones numbers on the loan as contacts. They refuse to stop calling me unless I submit a form to they mailing address to stop and desist on the phone calls. They are threating me with taking me to court for the full amount owed plus legal fees the have accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX. 

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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/2023, my Chase account was locked after I attempted to exchange RMB for USD with someone from XXXX to cover my living expenses for the month. When I called the bank to inquire, they did not specify the reason for the account lock. At the time it was locked, there was {$5100.00} in the account. I have been calling them continuously, and the response I've received is that they are " investigating and will send a check after the investigation is complete. '' However, it has been half a year since, and I will be finishing my college career and leaving the US for XXXX next month. This money is significant to me, and I hope to retrieve it before I depart from the US.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX, I have a auto loan at westlake financial services and I can't pay this month, is the First month can't I pay, for problems of Covid-19 and I need 3 month the extension but westlake financial doesn't want give me the extension.I asked them for an extension because I was not working due to covid 19 problems. I need your help because doesn't want give me extension
Product: Debt collection

I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Product: Credit reporting or other personal consumer reports

This is my first requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/year>
Product: Checking or savings account

I am a customer of Chase Bank. I have had an issue with overdraft fees on my account and recently I contacted chase to have some of the fees waived and, requested that my card be declined if i have insufficient funds in my account. The bank waived fees for me however, the change to opt out of overdrafts was never made despite my request for it. I requested they opt me out of overdraft protection via a message to customer care through their website on XX/XX/XXXX and they responded XX/XX/XXXX, and did not indicate that the change was made, and i have since been hit with XXXX XXXX dollar overdraft fees. the total of fees at this time exceeds XXXX dollars Chase has now taken a stand that they will not waive any further fees for me and now I am facing a XXXX dollar negative balance because they feel as though its ethical to stand behind their policy and not acknowledge the mistake
Product: Debt collection

I declare under penalty of perjury ( under the laws of the XXXX XXXX, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Checking or savings account

I was chime custoner last week i was supposed to undergo a XXXX and buy my medical bills.i wake up in the morning i notice my account was close by chime and i was not eligible for refund.despite the fact i emailed them more than 20 time. They kept ask to provide docunents. And wait 48h. I spend more than 4 days without any money since chime was my primary account. And there is not way to call the review department you need to wait for them to respond to your emailed some day i spend my entire day to wait for them to respond. And see if they will get my money back. I would like to file lawsuit against them but i m a low income person.