23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I noticed this over the past XXXX months as I was comparing statements. 

I Recently made extra payments to pay off the balances that were interest bearing ( 20 % ) but instead of applying my payments to those amounts, Discover applied them to the balances I had that were 0 % interest. Told me that the only way I could pay off interest bearing balances is to pay off all lower interest balances first. So I now have interest bearing balance that I can not get rid of even though I already paid it off. 

In my opinion this is fraud and really is bullying by Discover and unethical and needs to be resolved. 

Discover payment policy provided to me in a recent chat with them. 
Sent at approx. XXXX XXXX PST XX/XX/XXXX : When you make payments to your Discover account. Every dollar of your minimum amount due comes off of whatever portion of your balance has the lowest interest rate ( your balance transfers ) and the remainder of your payment comes off of what has the highest interest rate ( your purchases ). 

The above was first response which was why I was contacting them because the excess of my recent payment had not been applied to my highest interest bearing balance. When I asked them for a breakdown of how my recent payment was applied I was re-connected to someone else who provided the policy below instead. 

Sent at XXXX XXXX PST XX/XX/XXXX : Payments are automatically allocated to the lowest interest rate balance first ( balance transfers ), then to the highest interest rate balance ( purchases ). 

I asked them nicely to please resolve this by applying my most recent payment to the interest bearing balance instead of the 0 % balance but they would not comply. I have been a good customer but will not continue using them in the future with ethics like this. At this point I can not pay off my interest bearing balance unless I pay off the entire balance I owe. 

Unethical in my opinion. 

Appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

I leased a vehicle with XXXX XXXX which ended in XX/XX/2024. In XX/XX/2024 I received a letter from XXXX informing me that I owed over {$6000.00} due to mileage overage. I contacted XXXX to let them know that I did not have that kind of money and asked if I could make payments, which they agree to - - I spoke to a woman name XXXX. I started making payments in XX/XX/2024. My payments were due on the XXXX of each month. On XX/XX/XXXX I made a payment of {$450.00} and it was considered XXXX  days late ; in XXXX I paid another {$450.00} on the XXXX and it was reported as XXXX days late. This was reported prior to my first dispute with Experian, as well as the written off/charge off noted for XXXX. After my dispute, the results showed XXXX  days late in XXXX and a written off/charge off for XXXX and XXXX. On XX/XX/XXXX, I received a settlement letter from XXXX offering discount on the amount owed. I called them to let them know that the entire amount would be paid off the following month, which I did honor - I paid the entire balance off on XX/XX/2024. In the XXXX years of leasing the car, I have never paid late and that can be proven on my credit report.I have called XXXX numerous times and sent XXXX a letter highlighting what I wrote here but they are standing by their decision, which is somewhat baffling. On XX/XX/2024 I called XXXX and spoke to XXXX XXXX XXXX XXXX was confused by the write off rating as it was paid completely off. She even offered to send me a letter stating that the account was paid in full, which she did. I have also disputed this with Experian several times. I even called Experian in XXXX and the agent I spoke to was also baffled and offered to rewrite my dispute for me but again XXXX did not budge. My report says XXXX, closed {$5900.00} written off. I paid XXXX the entire amount owed of {$6800.00}
Product: Checking or savings account

On XX/XX/XXXX i was a victim of an accident, where i had to be transported to the hospital in critical condition, after being discharged on XX/XX/XXXX of XXXX i noticed my belongings had been stolen, including but not limited to my purse containing my wallet, my phone, my money. In my wallet i had my identifications and debit, credit cards. 

When i was able to see my bank accounts and credit accounts i noticed the thief used absolutely all my funds from my debit and credit card companies. 

My credit card company has already solved my problem, however CAPITAL ONE refuses to provide my legal right to a proper investigation. 

I have filed a police report with the XXXX police department, i have contacted every single company involved in the claim, all the companies have confirmed this was fraud because my PIN was never used, there is video footage at stores where my card was used and the thief is A XXXX!! i suspect maybe someone close to me stole it however i still dont know. 

i am tired of having to beg for whats right. CAPITAL ONE is acting in an improper way, i need my money back it is all my savings, i can not work any more i will be in XXXX  for the rest of my life THERE IS PROOF I DID NOT AUTHORIZE THESE CHARGES please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced a cyber attack that occurred a couple of months ago. Executives from the company sold stock off outside of the approved window, which would violate SEC sanctions for insider trader. 

However, after checking the website they provided to see if your information is at risk, I 've found that my data was accessed.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I believe, mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Several listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I wrote letters to XXXXXXXX XXXX  to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted Experian, XXXX and XXXX to have them removed and I was referred back to the company.
Product: Consumer Loan

I HAVE FRAUDULENT INQURIES STEMMING FROM A VECHILE LOAN I NEVER TOOK OUT AND XXXX AT THAT FROM COMPASS BANK, I HAVE AN ACCOUNT FROM THEM BUT NEVER HAVE TAKEN NOR APPLIED FOR INDIRECT FINANCING. I HAVE HAD A GREAT RELATIONSHIP WITH COMPASS THUS FAR AND BEMUSED THEY WOULD UNDER " XXXX XXXX XXXX '' RUN A REPORT THAT CAUSED A MIXED FILE. ITS ILLEGAL AND UNETHICAL I WANT ALL INQUIRIES REMOVED AS FRAUD
Product: Checking or savings account

Closed all Truist accounts on XXXX XXXX. 
Checking, savings, & overdraft remain on my still available online account. 
On XX/XX/16 my closed checking account was charged XXXX for online banking services. This was paid for from my closed overdraft protection. 
I have not tried contacting the bank because of their poor customer service. 
Thanks for your help XXXX
Product: Payday loan

I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ACIMA DIGITAL FKA SIMP used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ACIMA DIGITAL FKA SIMP reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

I was served papers by an officer and I was told to contact the collection agency. When I contacted them I was transferred to the representative at Knight Adjustment that was  handling my case, XXXX was her name. She told me that I should let the judgement go through because I was going to lose anyway and that in return she would make sure that I was not charged the interest or fees usually associated with a judgement. As long as I made the {$50.00} monthly payment and was also required to be put on a 6 month recurring payment plan. I asked if it could be lowered to {$25.00} a month and she said no. I told her I would have to figure some things out, and call her back. She told me to call back within the week otherwise the deal would be invalid. This took place sometime around or before XX/XX/XXXX. I called back a few days later ( all of these conversations should have been recorded, as stated every time I called, as well as every time I called to renew my 6 month recurring payment plan ) and agreed to the terms. She took my {$50.00} over the phone and set me up with my initial recurring payment plan. Every time I would call to set up a payment, I would inquire about the balance, and she would always state that it was lowering. I ended up moving to Washington State ( XX/XX/XXXX ) and in that process, I noticed that my recurring payment plan had lapsed, so I called XXXX to set it up again, let her know that I had moved but didn't have a permanent address yet, and to inquire about the balance again. Everything was good until six months from that time to set up my recurring payment plan again. I called again to talk to XXXX, and was told she was no longer with the company and someone else would help me. I asked about my balance, and it was over {$10000.00}, which was nowhere near the balance I was told six months before which was around {$2000.00}. I asked the new representative how that was possible, and they stated it was the interest and fees that had been collecting on the account. Something that was withheld from me and stated by XXXX, their representative as something that was not going to incur. I was also told that they could not take my payment because I had moved out of their area, even though they had been taking them for 6 months, and knew that I had moved. I am not the original creditor on the account, I am the co-signer, and they had the account transferred to a company here in Washington State, even though the original creditor lives in Utah, and the debt is now almost {$20000.00} with the new fees and interests.
Product: Checking or savings account

So on XX/XX/XXXX of 2023 I had in my account {$2000.00}. I sent them overseas through XXXX the person received the money and got it but I noticed on my account three days later that my account has XXXX and so I was from where did I get this money? It turned out they are charging me {$2000.00}. They also send it to Collection so I can pay it without my permission without me knowing without me knowing anything to be honest I was just so shocked how this bank treats customers because I dont know whats going on. I dont know these charges. How are they going? How is what? whats happening? This Bank drove me crazy, that I opened a new account with a different bank I couldnt handle the stress because of the fees and I didnt know how was the money out and back into my account and then with a minus and then it was not clear it was not clear at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Product: Checking or savings account

When filing my XXXX taxes my tax preparer included incorrect information for my refunds to be direct deposited. The information they listed on my taxes was routing number XXXX- assigned to TD Bank in XXXX ME. The account number is XXXX.
The Federal return was rejected by the bank as my information did not match this account however they accepted the State of NC deposit even though the information did not match. The deposit was made on XX/XX/XXXX and the trace number is # XXXX.
I, my tax preparer XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have all contacted this TD Bank numerous times and they refuse to reverse the deposit and send the monies back to the State of NC so they can issue it correctly to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with TransUnion for XXXX of my XXXX XXXX accounts that the information shows last updated XXXX. This is third account with same problem that creditors confirm they regularly update and the errors are TransUnion. That same day, I made the final, large payment on a family vacation on a credit card WITH NO LIMIT. I believe and the facts support, TransUnion has acted in a discriminatory manner towards me and outside regulations and policies. TransUnion DROPPED MY CREDIT SCORE BY MORE THAN XXXX POINTS OVER THE LAST DAY. It is ONLY TransUnion and there have NO other changes. I contacted TransUnion by live chat and telephone, repeatedly asking for a supervisor. The representatives are RUDE, unprofessional, and can not be understood. I was refused transfer and disconnected XXXX times. The other XXXX previous disputes filed with TransUnion regarding seriously outdated information were within last few months and again, were determined TransUnions errors and failures to correctly update accounts with information they were provided. In addition to the above, I notified TransUnion of a recent swarm of solicitation, from debt consolidators and loan offers, a minimal dozens a day, and after demanding from several how they obtained my information, THE VARYING COMPANIES INFORMED TRANSUNION PROVIDED THE INFORMATION. This is very suspicious since the problem began shortly after the DATA BREACH WITH XXXX XXXX, that I was notified as a victim, and TransUnion was the company offered to provide enhanced security. I have worked very hard to establish my credit worthiness and always act with the highest level of professionalism and respected when engaged in customer relations. This situation is completely unacceptable and is fully supported by compelling facts. The credit bureaus are responsible for the publics most sensitive information and is the direct factor in an individuals financial security and stability. This problem is ONLY with TransUnion. It is shocking that American personal and financial information is managed and related by OVERSEAS REPRESENTATIVES. The risk is substantial and it is shameful to not require XXXX based representatives when many are not employed and substantial time and resources is exhausted complaining about XXXX. The government needs to step up and regulate these companies! It is incomprehensible that the credit bureaus are now permitted to collect subscription fees and generate revenue offer third party credit cards, implying a potential benefit and financial incentive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS... THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS...
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with Fair Credit Reporting Act, the list of accounts have violated my consumer rights. 15 USC 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt or credit management

Credence keeps calling my mobile phone number several times each day. I do not owe them any money or owe anyone any money.