23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased items online from XXXX XXXXXXXX XXXX. When checking out noticed a XXXX XXXX  offer to pay monthly installment without realizing this was a Citibank offer called XXXX XXXX. Upon receiving XXXX bill from Citibank my minimum payment was {$300.00} more than I could pay. I contacted Citibank customer service on XXXX who refused to cancel XXXX XXXX and said couldn't be cancelled. Then asked to speak with manager and rep said could only send an email. On the same day, received call from XXXX XXXX Account manager from XXXX XXXX on XXXX around XXXX or XXXX, XXXX. Very quick. He explained and could cancel all items that were XXXX and adjustment would be made on minimum payment due to XXXX XXXX charges being canceled. This made lots of sense to me and was reasonable. He stated minimum payment adjustment could take place in a couple of weeks close to billing cycle. 
My complaint is not keeping agreed commitment on minimum payment adjustment. I also contacted XXXX and advised contact bank. Writing a complaint letter to them as well. Very confusing promotion and misleading.
Product: Credit card or prepaid card

When the pandemic first happened I contacted The Avenue credit card and Torrid 's credit card credit protection company Account Assure to notify them that I was laid off from my former employer due to Covid-19. I sent in my lay off letter from my employer which clearly outlined that I was laid off due to CV-19 and to file for unemployment benefits that would not be contested due to the pandemic. I also contacted The Avenue and Torrid to let them know that I was laid off due to CV-19 and requested my payments to be placed on hold until I received the approval from XXXX XXXX I was told by the CSR that my accounts would be put on hold for 2 months with no payments due because of the high volume of requests that XXXX XXXX was experiencing because of CV-19. In XXXX of 2020 I received a letter from Assure Assure stating that my payments would not be covered due to my former employer using the word furlough and lay-off interchangeably throughout the letter. XXXX XXXXXXXX stated that I was not experiencing a financial hardship due to my employer listing that I was furloughed in the letter. I explained to the representative that a furlough and a lay-off is the same exact thing by definition. I was told that the insurance coverage that I paid monthly for would not cover my payments. By this time I had missed payments on both of my accounts which are through Commenity Bank because the CSR I previously spoke with works for both The Avenue & Torrid never placed my accounts in a hold status. Due to the CSR not placing my accounts on hold ; Account Assure not covering my monthly payments and I had not received my unemployment benefits yet I have XXXX & 60 day late payments being reported on my credit report for my Torrid & The Avenue accounts. I also spoke with a supervisor at The Avenue & Torrid call center in the fall of 2020  after disputing the late payments with all 3 major credit bureas and was told to submit all documentation online. The supervisor stated my payments should have been covered by XXXX XXXXXXXX and the late payments would be removed. I submitted all documentation online as requested and the late payments were never removed from my credit reports. Instead I received a letter in the mail from both accounts stating that they have to report my payment history accurately to the credit bureaus and the late payments being reported would not be removed. Which is contradictory to what I was told by the supervisor I spoke with over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically TransUnion saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Product: Debt collection

Please take immediate action to block and delete these fraudulent accounts as soon as possible. This is an urgent matter that needs to be addressed right away.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by TRANSUNION and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have. 

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare. 
15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information. 
FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information. 
FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting. 
Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive. 
Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act. 
Failure to safeguard consumer data and ensure it is used solely for authorized purposes. 
Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness. 
Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 
thanks for your attention to this issue, I hope it can be resolve as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX Experian on XX/XX/23 and XX/XX/23. On the XXXX occasions I was told that my addresses can not be removed. Per 15 USC 1681 ( b ). Subject to subsection ( c ), any consumer reporting may furnish a consumer report under the following circumstances and no other. ( 2 ). In according with the written instructions of the consumer to whom it relates. They are in violation of the fair reporting act ; I did not authorize them to report any addresses on my credit. Because of their noncompliance to fix my credit report according to 15 USC 1681n.
Product: Credit card or prepaid card

I went to the teller at XXXX XXXX XXXX and she informed me that my XXXX cash payment for my credit card would post immediately. Which was not correct. Because the transaction was done incorrectly I requested to have my cash returned. TD bank then states they are unable to reverse the transaction and my cash payment would not be available for 2-3 business days. My payday and the transaction occurred on Thursday and 2 business days would not complete until Monday or Tuesday. Which is a huge inconvenience to me! How can they misinform me and force me to not have access to my cash over the weekend and about 5 days. I spoke with several managers at various levels who were not helpful or attempted to solve my transaction problem. Im disgusted and nothing good to say.
Product: Prepaid card

Says I've reached daily limit. I've yet to use card today to get cash. I can use the card but can't receive cash.
Product: Debt collection

Years ago, I think XXXX, I saw on a credit report that and old credit card debt from XXXX was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX that there was a Judgment Lien on my credit report. NCO Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to NCO who then tried to collect on an expired debt. I looked up NCO on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by NCO. Now I found out NCO sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
Product: Student loan

I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.
Product: Credit reporting or other personal consumer reports

I. 
Had a few disputes that I disputed with XXXX XXXX. And all of my disputes were approved but yet they still reflect on my XXXX credit bureaus. I will have attached documents to prove that with the case numbers I need these removed off my credit. As they were approved by the bureau 's investigation but have yet to be removed so I think a fair solution would be to get the removed items being credit, XXXX and XXXX bank removed off all XXXX of my credit. Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about of the identity theft. 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 items in my credit record that came about due to an alleged fraud. 
XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX BUILDING XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reached out requesting that the XXXX Account be removed from my credit file. I reached out to the company and they stated the account was closed. But they put on my credit file that the account is charged off. This is not legal under code 15 USC 1681b ( 2 ), creditors are not to report any negative items with written consent, this is considered identity theft.
Product: Debt collection

1.I have never had an account with this company MIDLAND CRED  XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MIDLAND CREDIT MANAGEMENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX aXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i did not authorize these inquires and i have an alert set to call me, and all three companies failed me.
Product: Credit card or prepaid card

I have a Chase Ink Business card. I received in the mail a promotional offer for balance transfer for 0 % monthly interest rate until XX/XX/XXXX with a 3 % transactional fee of the total balance transfer. I took advantage of this offer online in XX/XX/XXXX. The total amount of the balance transfer was XXXX which posted on XX/XX/XXXX. The transaction fee of {$170.00} posted on XX/XX/XXXX. I made a payment of {$2500.00} on XX/XX/XXXX, expecting that it would cover the normal monthly charges of {$1000.00} ( I always pay the full amount every month ) and some of the balance transfer. 

On XX/XX/XXXX, I was charged {$17.00} interest, which I did not expect. When I called to inquire, I was told it's because I should not have put a balance transfer on a card that I use for other things. And that the interest was due to " how they applied the payments. '' The agent claimed this information was in the " fine print, '' but I find this misleading since it does not make sense that I pay interest charges on some nebulous amount that the agent could not describe to me. That information should be clearly laid out for people. The agent told me that if I had done it over the phone, I would have known.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US 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. 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.

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.
Product: Debt collection

Sent in a No Parking, Cease & Desist, refusal to pay for a balance of XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX  and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report.
Product: Checking or savings account

BANK OF AMERICA Routing # : XXXX Account # : XXXX They deleted the savings account but left the checking. This was not my account
Product: Mortgage

I called my mortgage loan servicer ( XXXX XXXX  XXXX ) on XX/XX/2019 to request an adjustment to my escrow analysis. They asked me to mail them my homestead exemption form so that they could revisit my projected taxes for XX/XX/2019. I mailed that form on XX/XX/19 and they confirmed receipt on XX/XX/19. I subsequently have made 6 phone calls to XXXX to request that they expedite my escrow analysis because my next mortgage payment is due on XX/XX/19 and I don't want to overpay, after an escrow analysis is completed my monthly payment will change. Each time I have called, they insist that my mortgage payment will be lowered to the correct amount, however they still have not corrected the amount due in their payment. I'm requesting assistance in getting this issues resolved because they refuse to correct my monthly payments. ( XXXX ) as of today, XX/XX/2019. I can be contacted at XXXX, XXXX XXXX XXXX
Product: Credit reporting

In 2008 I was victim of ID theft by someone who opened an account in my name and SS at the address located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which is not and have never been mine. 
After reporting to the police and credit agencies this was a fraud, the address still shows as my Former Address in the Equifax Credit Report, which is incorrect and I would like to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USBC 1666B : A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose. 

I ask that all late payments on my credit report be updated to on time payment and still remain on my reports on these XXXX accounts JPMCB Auto XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to address fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have seriously disrupted my life, causing major XXXX XXXX XXXX I must emphasize that I never authorized or agreed to have this information linked to my name- I'm a victim of identity theft.
Product: Consumer Loan

On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017. 
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full. 

On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing. 

On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder. 
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.