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

XX/XX/XXXX PenFed Credit Union XXXX. XXXX XXXX XXXX NE XXXX Reference : PenFed XXXX XXXX XXXX card ending in XXXXimproper application of payments To Whom It May Concern : After reviewing my credit card statement ( s ) and speaking with numerous representatives at PenFed, it is my belief that you are not only improperly applying payments but also blaming government regulations for requiring you [ PenFed ] to apply payments in this manner. 

For instance, on the above stated credit card account, the following balance transfers were made based on a 0 % promotional financing offer : XX/XX/XXXX {$4700.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$5500.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$2900.00} 0 % Promo expires XX/XX/XXXX Being that the first two balance transfer promo rates expires on XX/XX/XXXX, I have been paying large payments to get those paid off. Unfortunately, for some reason that NO ONE at PenFed has yet to explain after numerous calls and sitting on hold for excessive periods of time, the payments are being applied to the XX/XX/XXXX balance transfer rather than the soon-to-be expiring XXXX promo expiration amounts. 

My understanding of the regulations that your employees are quick to blame are that payments should be applied to highest rate items and then to promotional balances if a payment is made that exceeds the minimum payment. Basically, the principal is that the consumers payments are applied in a manner most advantageous to the consumer. Even if that is not the case, why would PenFed take the most egregious method to the consumer to apply large payments to a promotional balance that expires 7 months after the promotional balance that I will soon be penalized for not having paid off before the 0 % expired? 

I do expect an answer and I would encourage a more thorough training program for your employees so that proper remedies or explanations can be provided to your customers. A simple the government makes us do it that way may work for some but it doesnt for me. 

Further, when a customer calls with a complaint or issue with their account ( s ), it should be escalated per the regulations that are quickly blamed versus telling a customer it will be checked in to and then nothing happens. 
I can be reached at XXXX or XXXX. 

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

I got a notification from XXXX XXXX that there was a Hard inquiry on my credit report. After reviewing it, I noticed that Capitol One banking did a credit check on XX/XX/2022. I did not authorize this hard inquiry on my credit report and therefore placed a fraud alert on my credit report. I need this Hard Inquire removed from my credit report.
Product: Credit reporting

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Product: Debt collection

I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.
Product: Bank account or service

From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has contemporaneously committed unlawful debt collection practices, failure to investigate disputed information, not responded to debt validation letters while continuously committing 1040 days of Identity Theft, willfully furnishing fraudulent, invalidated, incorrect, and forged financial documents to the Credit Reporting Agencies. Relentlessly racking up unfair practice violations and submitted as evidence : false, misleading, and misrepresented documents to the Virginia Judicial System and even obtained a General District Court judgment in their favor ( currently under appeal in the Circuit Court ). 
Hey XXXX, if I am wrong and you are not shielding a RICO enterprise with the numerous debt buying companies affiliated under XXXX  XXXX XXXX XXXX umbrella ( you knowXXXX XXXX XXXX and ties to Citigroup ). All that you need to do is validate the debt buddy. I RESERVE ALL RIGHTS WITHOUT RECOURSE
Product: Credit card or prepaid card

on XX/XX/2021, i called XXXX XXXX to make my payment, it was XXXX, after i made my payment, my payment was due on XX/XX/2021, I called customer service to ask that my fee be wavier, but i was told that they only wavier fee once in 18 months and that i had did this 18 months ago. I told customer service that i always pay on time and pay more than the minimum payment, she said that she could not wavier the late fee, i said i would call to speak to a supervisor. I have been a great customer, never missed a payment. I don't need a late payment fee on my account.
Product: Prepaid card

On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.
Product: Credit card

In XXXX, I closed and cancelled an account with US Bank. The balance was paid in full ( see XXXX balance ) About 6 months later in XXXX, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in XXXX. 
I spent hour straightening it out with them, and they said that the account was closed ( See XXXX fee reversals balance ). 
This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " close '' the account again is to pay the balance in full. 
My credit score has dropped because this *closed* account is so past due. I do n't know what kind of business they are running and why they refuse to close it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.
Product: Debt collection

I sent a letter that they received certified on XX/XX/2023 in which I asked for viable evidence bearing my signature that I was responsible for this account. I received a letter back that did not provide this information.
Product: Student loan

From XX/XX/XXXX-XX/XX/XXXX I attended XXXX XXXX in XXXX XXXX, MD. During this time I believe I was mislead about the cost of my attendance and the terms of my private loans. In addition I was deliberately mislead during enrollment and when I asked about how the cost compared with community colleges I was told that that cost would only be a little more for what was termed a " superior '' education.
Product: Mortgage

I bought my house in XXXX. Freedom Mortgage bought my Mortgage in XXXX of XXXX. At the time my Mortgage payment was {$1000.00} a month. They immediately started calling me to reduce my Mortgage by reducing the amount I put into my escrow account. After months of them calling i agreed under protest to stop the calls. They reduced my Mortgage to {$980.00} a month. Later they mailed me a refund saying I payed to much into my escrow account. Because I live in California I have XXXX insurance policies. The California fair plan and XXXX. Had to keep fighting with them to pay both because they only pay one or the other. Usually just the XXXX because it's cheaper. In XXXX they called me saying I didn't have enough in the escrow and that I owed them because they paid taxes and insurance. I argued that because they messed with my escrow ( which is a account I have no access to ) that is their error and I am not responsible for paying for their error. They have raised my Mortgage to {$1200.00} a month. I am on XXXX and only make {$1700.00} a month. That doesn't leave me enough to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. Experian, XXXX and XXXX did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. Experian, XXXX and XXXX did not do this. Experian, XXXX and XXXX states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. Experian, XXXX and XXXX has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give Experian, XXXX or XXXX written instructions or permission to furnish this inaccurate late notice for XXXX.
Product: Money transfer, virtual currency, or money service

On   XX/XX/XXXX  I ord ere d   XXXX   items  through  XXXX , which uses Paypal to make payment. The cost according to  Paypal  were {$3.00} Item #  XXXX  Transaction ID  XXXX  and {$9.00} Item #  XXXX  Transaction ID  XXXX . I wanted to cancel the transaction. Paypal have refused to refund my money. It seems that the shipping of these items were by  XXXX   XXXX , who was unaware that they shipping items from  XXXX  that were paid for with Paypal. Using this particular method of independent vendor,  XXXX ,  Paypal  and  XXXX   XXXX  creates an atmosphere where it is nearly impossible to have a return or cancel an order when each of the companies places blame on the other partners involved in the transaction. To date I have spent ove r 4 h ours on the phone and have nothing except   XXXX    XXXX   XXXX . I have recently contacted Paypal speaking to a  XXXX  #  XXXX , supposedly a Disputes and Claims manager.  XXXX  wanted me to say that I was having problems with the vendor, I explained my problem was with Paypal because they were the ones that were listed by my bank for withdrawing the funds from my checking account. In my opinion Paypal is the major participant because they were the ones who deducted the monies from my account. Once I became aware that  XXXX   XXXX  was involved I have tried to cancelled the order. Paypal has accepted no responsibility and yet accessed my checking account. Paypal has locked me out of my account so I am unable to provide transaction details.
Product: Credit card or prepaid card

I have EPPICARD to have my unemployment insurance. at the date of XX/XX/2020, they sent me a letter that is stated " a temporary restriction has been placed on my card ''. And they also write " we were unable to reach you at the telephone number you have on file with us '' which is totally lie ...

I tried to contact the with the number which they gave me in their  letter ( XXXX ) as Fraud Services Department. When I contact with the number ( it took many hours ), They have asked all my information about me, which include my name, social security number, address, telephone number. Then, they did not satisfy and they have requested copy of my photo ID front and back. I did not send this copy because I could not fell safe. I told them and they hang up the phone.

I have tried to the number which is stated on my EPPICARD card several times, and I could not find anyone to solve my problem. When I tried to reach online to my card account, I could not enter because it says " Your card status is fraud-suspended/closed, ca
n not login ''. My account was about XXXX dollars, I am not able to use my money in any ways. Please help me!

Thank you very much in advance ...
Product: Credit reporting or other personal consumer reports

I called the fraud department both calls took over a hour the first agent told me they blocked and removed the two fraudulent accounts but the second one told me the accounts doesnt qualify. I been trying for months on this. I showed my ftc which I attached I had two XXXX XXXX XXXX blockedXX/XX/XXXXand after the agent claim they couldnt see a clear copy of drivers license I just want to be treated fair Report Number : XXXX please look into my claim
Product: Debt collection

XX/XX/2020 Titan Receivables reported on my credit report and never sent me a debt collection letter. Than verified the debt to XXXX after I sent them a debt validation letter XX/XX/2020. They still have not sent me any documents proving how I owe them when I never had a account with them. There are still calling me after I sent a cease of phone communication with my debt validation letter. If they're collecting this alleged account/ money for another company. It is my right to know what there business relationship is and am entitled to all documents requested from titan proving that and the amount of the alleged original debt and payment history.
Product: Mortgage

I spoke to Chase and they changed the 30 year mortgage to a 40 year mortgage. This reduces the payments. I have been making the payments on the first of every month as requested. Yet, the people from the original mortgage are not aware that I have this modification. They continue to call and send letters telling me that I have not paid the mortgage.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : XXXX. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report XXXX account is not mine XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report XXXX account is not mine XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX.
Product: Debt collection

I discovered a negative item on my XXXX credit report. My investigation requests with Peter Roberts & Associates are not being accepted by the company. They keep returning my letters as " refused. '' I have their address listed on their website and it has been verified as correct. It is : Peter Roberts & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX According to my rights as a consumer under the fair debt collection practices act ( USC 1692g ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting late payments. I never recall having late payments. They should report current, on-time payments. Please delete late payment marks on my credit report as it is incorrect, false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS