23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

{$2500.00} payment made to pay off expired {$2200.00} promotion during the XX/XX/2023 Billing Cycle was *malapportioned* to pay Promo expiring XXXX {$700.00} + Promo expiring XXXX {$940.00} = {$1600.00}. 

The XXXX billing cycle had CLOSED at XXXX XXXX XXXX XXXX and the XXXX statement had been PUBLISHED. I was LOOKING AT THE PUBLISHED XX/XX/2023 STATEMENT when I made the {$2500.00} payment at approximately XXXX XXXX XXXX XXXX as PROVED by the {$2500.00} payment posting on the XXXX BILLING CYCLE STATEMENT published XXXX and made available at approximately XXXX XXXX XXXX on XXXX. 

My payment was made AFTER the XXXX billing cycle had closed and the statement published as per the instructions given to me by PenFed Customer Service Supervisors on previous similar issues to avoid these MALAPPORTIONED PAYMENTS.

Yet, PenFed insists that my XXXX payment was in the XX/XX/2023 billing cycle when their own Credit Card Statement clearly shows it was made in the XXXX Billing Cycle XXXX : XXXX so they apportioned my {$2500.00} payment among all promotions including interest-free promotions not expiring until XXXX & XXXX leaving me with an interest bearing balance of {$1600.00}. All other interest-bearing amounts were paid in full every month. PenFed Customer Service initially stated that the malapportionment was in error and would be fixed but that I would have to wait until the next statement to see the change. However, every month I got the same story from PenFed Customer Service with changing excuses but the malapportioned {$2500.00} payment was never corrected. 

I have filed XXXX  complaint against PenFed but they have only given further excuses for making the error and have thus far refused to correct the issue. PenFed Credit Department has since retaliated against me by sending me a notification that all three of my PenFed Credit Cards ' interest rates will be increased to the *Penalty APR* of 17.99 %. This was done even though both my wife and I have maintained and have ExceptionaXXXX XXXX Scores well over XXXX. No explanation was given for the increase to Penalty Rates.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

Everyday relentlessly I am receiving 5 to 7 calls a day from this number XXXX XXXX XXXX which my caller ID is saying this call is being made from XXXX XXXX in XXXX. The first time I answered this call, The immediate message said Hi, This is CBE and anything you say will be recorded and all went silent then the call just disconnects. I searched CBE and it is a debt collection service with office based in XXXX, but I did not call or reach out to this company for any information. I have a call blocking service provided to me by my phone carrier XXXX which Identify scam or these type of calls but all it does it let my phone ring twice and disconnects the call but recently this same number comes in and my phone keeps ringing and my blocking service does no good as if thought the number is being proofed. I want this company to stop calling me PERIOD. I even tried to answer them to find out what they want but the call gets disconnected.
Product: Credit reporting

I recently had a bankruptcy discharged and I am trying to re-establish credit. When I tried to purchase a used vehicle I was told by several banks that I was denied credit because Trans Union is showing my credit score as XXXX or XXXX. I called Trans Union and was informed that they do have a credit score for me and the banks are doing something wrong in obtaining the score. I find it hard to believe that every single bank is making the same error. I am also in the process of refinancing my house and was told by the bank that Trans Union is showing my credit score as XXXX. Trans Union is sending me a copy of my credit report but feel they are not doing anything wrong when reporting my score.
Product: Credit reporting or other personal consumer reports

It's troubling to realize that my consumer rights are being disregarded. My credit score is important to me, just as it is to everyone else, and the inaccuracies in my credit report have harmed both my financial prospects and my mental well-being. I've been attempting to address this for a while now, but my requests to correct these issues and address my concerns about the inaccuracies in my credit report have consistently been ignored or dismissed.
Product: Student loan

Today XX/XX/18 customers of the student loan refinancing service, Earnest,  received an email from the company outlining a new change to their dashboard. However in the smaller print of the email they revealed that they will no longer allow customers to pay their loans bi-monthly. It has been proven that paying loans bimonthly reduces the overall interest paid and can significantly reduce the life of the loan. Not allowing customers to make payments in this way is 1 ) not beneficial to the consumer and instead benefits the companys profits 2 ) limits the options customers have to make reasonable on-time payments. Paying bi-monthly or more often is a right consumers should have with their debt as it is more financially responsible and reduces the likelihood of loan default.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account that reported in Experian is a fraud account. I claimed I am a victim of ID theft and have been disputing this account over the past 5 months. I provided all document necessary to Experian and XXXX but they are defying my claim though could not provide the proper evidence I was asking for. 
Experian has inaccurately reported fraudulent XXXX, not only in its own reports but also listed fraud account in XXXX  report line within its 3 bureaus combination reports. In fact, this fraud has never been shown in XXXX  bureau and I never disputed this account with XXXX or XXXX bureaus from the first place. 
This inaccurate reports from Experian must be resulted from an ID theft or mistaken with somebody who has similar name as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters asking XXXX to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.
Product: Debt collection

National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX.

XXXX  and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised.

I did receive notice from XXXX  that the item was deleted on XX/XX/XXXX.

I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX ( account # XXXX ), has violated my rights. 

I looked at my credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 tinformation is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are various mistakes on my reports detailed in a letter attached
Product: Checking or savings account

I don't really know where to begin. I checked the closed account option but I wish you could have selected multiples because ever since I've opened this account with Citibank it has been nothing but troublesome and total lack of professionalism. I opened the checking account ending in XXXX on XX/XX/2021. I deposited a check and then whenever the funds came available I went to transfer some of the money to my XXXX XXXX account using the XXXX application that is provided by Citibank. Immediately after trying to transfer I get a notice that says suspicious activity. It blows my mind what is so suspicious about transferring money from your new account I mean it makes XXXX sense. But that's just the tip of the iceberg. After trying unsuccessfully five or six times to speak to someone to take care of this problem, I finally get a hold of someone that I verified the transaction and my identity with and was told that I will be able to login to my account at least within 24 hours but should be immediately. A week later and still no access to my online account, I can not transfer any money to or out of the account, and the debit card that was told that I would have in 5 to 7 days has still failed to come in after 3 weeks. So I make me another Citibank account thinking that I'll be able to link my other account with this one but lo and behold what do I come to find out that my original account had been closed. Before I even received a debit card or anything they closed my account after I deposit a check into it. Trying to get any information from their so-called Representatives that act like robots is like pulling wisdom teeth. I don't have very much money in my account but it's my money and I want access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in my ftc report social and id and they still refuse to update thier system or verify my identity even after i have supplied proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a police report sent in along with my drivers license and social security card for fraudulent accounts on my file. The issues was resolved and the items were removed and o was sent another report, those items have reappeared and they have not been removed. When I call they say they dont see my drivers licenses and social for XX/XX/2019@ XXXX XXXX  is when it was received by equifax. I have the report they sent that was corrected and the most recent with the items back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

After visiting a furniture store on XX/XX/22 and becoming aware that Clarity Services exists I attempted to obtain a copy of my consumer report. They have refused to provide me with the consumer report unless I provide them with my entire identity, driver 's license, social security card and proof of residency via mail or fax. I find this to be highly unethical and negligent business practice as well as a violation of my right according to the FCRA. To send my entire identity would be irresponsible and negligent on my behalf. This is sensitive information being requested by a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX mortgage has violated my rights : 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection
Product: Credit reporting 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 15 USC 1681. 
Account name:XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXAccount name : XXXX Account name XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX Account name  : has violated my rights.

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

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

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/17 : received debt collection call from. " XXXX, a manager '' ; advised him to do not call my number again. 

XXXX called again, declined call XXXX called again, spoke with XXXX reiterated XXXX request , advised reporting violation
Product: Checking or savings account

I had a bank account with Navy Federal. I had XXXX transactions of fraud ( former roommate used card ) and I reported it to them. They disputed the transactions. Later, about XXXX months, they recharged the amounts and closed my account within XXXX  days. Usually when I would overdraft with them, they would give me a whole month to pay back the amount if needed. There was no call, no trying to see what happened, no actual way of handling the situation or even asking for any type of proof to help my case.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my Credit file. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. 
I discovered unauthorized and fraudulent transactions on my account, and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. 

Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. 

There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. 

To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. 

I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance to the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX Account XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX violated my rights XXXXXXXX XXXX XXXX XXXX violated my rights XXXX XXXX XXXX XXXX violated rights XXXX XXXX Violated rights XXXX XXXXOriginal creditor : XXXX XXXX XXXX  XXXX rights violated XXXX Hard Inquiry violated rights XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXXvioated my rights XXXXXXXX XXXXXXXX Violated rights XXXX rights violated XXXX XXXX -- Rights violated 15 U.S.C. 1681 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency ( s ) can not furnish an account without my written instructions
Product: Prepaid card

Was given an Amex gift card as a holiday bonus by my company. Have tried to use it at multiple online vendors ( including : XXXX, XXXX, XXXX, XXXX, and other smaller vendors ). It is not accepted by anyone, AmExGiftCard.com/balance shows only a slew of {$.00} transactions that are pending, but all purchase attempts are rejected. 

I called AmEx and spoke with Customer Support who tried to be helpful but could not offer any explanation as to why the card was rejected or where it could actually be used. His answer was " your card is blocked but I've removed the block, try again in XXXX hours or try another store '' but there is no information on the AmExGiftCard.com/balance website about any block on the card, or whether it's been lifted. 

I'm not in the habit of being embarrassed at local stores and restaurants when a card is declined, so I'd prefer to simply have the money sent to me via check. 

I've read hundreds of similar complaints from others online - this is clearly a known issue and Amex is taking advantage of consumers with deceitful advertising, then covering it up with more deceit from their customer service team.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.