23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a store card with XXXX ( Comenity Bank ). I use this card for interest free financing and always pay more than my minimum payment to avoid interest charges. 

I have always had issues with the payments being applied to prevent interest or balloon payments. Per the ASD on their website : We apply payments up to the Minimum Payment at our discretion, which may result in balances at lower APRs being paid first and higher interest charges. Payments over the Minimum Payment will be applied in accordance with law.

The minimum payment in XXXX and XXXX was {$160.00}. I paid {$520.00} and {$520.00} respectively. 

I have a promotional plan that expires on XX/XX/XXXX, with an original balance ( in XX/XX/year> ) of {$1000.00}, which would have only require payments of ~ {$94.00} to avoid interest. The deferred interest rate is ~31 % I have a second promotional plan that expires on XX/XX/XXXX with a beginning balance ( in XX/XX/year> ) of XXXX, requiring payments of XXXX to avoid interest. The deferred interest rate is 35.99 % I understand the card act requires institutions to apply any payment above the minimum to the highest interest rate first, but how does this work with deferred interest? In my case XXXX is applying as little as {$8.00} to the plan which would expire first, applying all overage to the longer/highest interest rate plan. If the overage is always applied in this manner, then it will be impossible to pay anything on the expiring plan until the longer plan is paid in full first. This means there is essentially NOT 12 months interest free options on each plan. This also forces consumers to pay very large amounts when they near the end of the program expiration. XXXX will not place minimum payment overages to the expiring plan until the final XXXX months of the promotional period. This is not provided in the XXXX  or on the statement. So, although I have been paying well above my minimum payments, I now have to come up with {$950.00} in XXXX months, because all overages in the last XXXX months have been applied to the newer promotional plan. This isn't the first time this has happened to me, but it is the first time that the allocations were as low as {$8.00}. 

I feel this is a UDAAP violation and misleading advertising. Consumers ARE NOT receiving interest free financing for the period of time provided if they have more than one plan. This method of allocation is extremely confusing to me, and I work at a financial institution. It is also not disclosed how payments will be applied ( on the statement or XXXX  ), I only know because I reached out to Comenity. 

I don't expect Comenity to read my mind, but if I am paying {$520.00} & {$520.00} and there is a program expiring FIRST, I should be allowed to allocate the funds as long as the minimum payments are made on each plan. Otherwise, I will need to pay BOTH programs off in less than 12 months which is misleading. 

I was previously able to get them to reallocate payments, but today they stated that they can not.
Product: Credit card

So back originally I made an attempt to purchase a printer and computer for my business with XXXX. XXXX said they could not send the product and still charged me the money and said it wouldnt be available until seven to ten business days. After two weeks of nothing happening I made a formal complaint with my credit card company with Becu bank. They said they would do an investigation and that it would take up to ninety days. They never contacted me again and deleted the file. I called a second time to find this out and asked them to reopen it. Now I have made several attempts to get them to tell them also that I did not authorize several other charges as well with you tube and apple mainly. This I have reported fraud several times each month that this continues to happen. I been making my payments on my credit card and do everything I can to resolve this issue on my own. I have lost over XXXX $ due to this banks negligence. Please help me recover my money and force sanctions on this bank for directly lying to me almost every time I talk to them and allowing other companies to steal from me repeatedly despite my numerous attempts to remedy internally.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I have received 2 phone calls now from a place called Miller , Stark , Klein and Associates. They claim that they are collecting on a debt that I owe from XXXX or XXXX. I told them that I did not know what they were talking about and handed the phone to my daughter both times that they called. Therefore, they broke the law by talking to someone else about my alleged debt. They have threatened to take me to court and sue me for this since I will not set up payments with them over the phone. My daughter told them during both calls that I do not owe this debt. She also told them that they are breaking the law by trying to collect on the alleged debt because it is too old and way beyond the statute of limitations. Each time the person became angry and stated that they will sue me for this debt that I do not know anything about. They have never sent me a bill which is also illegal. They have only contacted me over the phone. They have the last XXXX numbers of my Social Security Number and I do not know how they have that. They said that they will garnish my wages too, I am old. I do not understand what is happening. I almost had a nervous breakdown after the second call. I have not cried like that since my wife passed away. My daughter and granddaughter had to talk me through it. I have XXXX. This harassment and lies does not help. I need you to help me, please. Make them stop. They are breaking the law. They say that they can do this, but my daughter tells me that they can not. I found on the internet on an FTC page that there are companies with similar names to this company that has already been in trouble with the FTC. Apparently, they have now started a new company and are back at using illegal debt collection practices. Their phone number is XXXX and again, it is Miller , Stark , Klein and Associates. Please help me and make them stop.
Product: Debt collection

For the last 5 months I have been harassed by a creditor for a cell phone debt that is not even mine.They call at  XXXX    XXXX    at night,  they call from all different phone numbers including  XXXX  's and my local area code, and now even private.It is  XXXX   XXXX  right now and received 39 calls from  them.When I d o answer they do not even speak and they just sit there as I say he llo 8 times.Yesterday ca lls from this creditor started at  XXXX   XXXX    XXXX    in the morning! It i s affecting my sleep and job performance since at times I have   XXXX .This  company that goes b y Diversified Consultants ar e straight out harassing me and im fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, XXXX  and Equifax of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX  ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, Equifax, XXXX  and all creditors and haven't received verification based off the FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, XXXX or equifax. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I obtained a loan for a used vehicle in XX/XX/XXXX with Santander Consumer Loan USA for a 72 month term in the amount of {$18000.00} @ 22 % interest rate. My monthly payment was {$470.00} per month and I always paid {$500.00} or more. My term was due to end XX/XX/XXXX. I continued to pay up until XX/XX/XXXX an additional {$5500.00}. The company is alleging I owe an additional {$4900.00} to obtain my title. I have asked for payment history documentation back to the loan inception and they have not provided me with proof that I have not satisfied the terms of my loan outside of a monthly billing invoice. The request was made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XX/XX/XXXX/beginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from World Omni saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.
Product: Debt collection

Repeated calls at my place of work, a XXXX office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and he was prohibited from calling to collect debts at this office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and she was prohibited from calling to collect debts at this office, and that a complaint would be filed.
Product: Checking or savings account

This is my second complaint and is tied to all info listed in my first complaint. Wells Fargo has been unable to show me that they removed the promised fees. I have this promise recorded on phone call. Failure to resolve this is will result in giving the recorded video to multiple media outlets. Wells Fargo has also threatened to report me to the XXXX XXXX XXXX for these mis-managed fees. 

*** I do NOT want to be contacted by the same person ( XXXX ) that contacted me before as they were unable to resolve the issue! If I am contaced by this person again, I will file another complaint! ***
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against SYNCB the, I have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted these 3 complaints to you guys : XXXX, XXXX, & XXXX they can be referenced for more information but they have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA in addition it has been 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I received the results of my dispute ( Confirmation # XXXX ), and Equifax allegedly 'verified ' that trade line XXXX XXXX XXXX belongs to me. I complained against XXXX XXXX in CFPB Case No. XXXX. I also sent XXXX XXXX a FACTA request, which it received on XXXX/XXXX/2016. I demanded XXXX XXXX produce the exact contract for debt that I allegedly signed. It is now XXXX/XXXX/2016, and I have not received such proof. If no proof exists, Equifax needs to delete this trade line immediately, as the Fair Credit Reporting Act ( FCRA ) does not permit reporting of accounts without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I would like these inquiries to be removed. I am not aware of this, and the company did this without my agreement.
Product: Checking or savings account

Bank of America has been deducting funds from my account well before checks are actually cashed. 

When customers use the Bank of America 'bill pay '  service, the bank 's 'standard ' practice is to deduct the amount of the check from the customer 's account on the day the bank says the check has been delivered instead of when the check is actually cashed. Customers frequently have no way of knowing if the check was actually cashed at that time or much later. 

I sent 2 checks for {$3000.00} through 'bill pay ' ; both checks were deducted from my account on XX/XX/XXXX. The bank did not provide me with images of either 'cashed ' check. In fact, one check was received well after XX/XX/XXXX and cashed on or about the XXXX. The other was never received and I had to cancel payment. Meanwhile, the funds were held, and I'm assuming used, by the bank. In my youth, this was called kiting. 

As a XXXX, I can imagine the interest the bank must collect on the funds resulting from this 'standard practice ' when calculated on a national basis. 

What can be done about this? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to XXXX. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have done my due diligence to send a notice to ALLY FINANCIAL of violations to my consumer rights. I sent a notice certified mail, green return receipt to the registered agent which is XXXX XXXX XXXX. The notice was received on XX/XX/2022 ( Exhibit A ). In that notice ( Exhibit B and C ) it exclaims that my consumer rights have been violated pursuant to but not limited to the TRUTH IN LENDING ACT ( 15 usc 1601 ) ( 12 CFR 1026 ). Along with my claim, as a consumer I demanded ALLY FINANCIAL to cease all communication to third parties and not to report negative information to any credit reporting agencies. Today XX/XX/2022 I received a notification from the credit reporting agencies XXXX and XXXX of a negative report from ALLY FINANCIAL ( Exhibit D ). They have now willfully violated my demands as a federally protected consumer. I have also demanded documentation to verify that I in fact owe the alleged debt ( Exhibit B ). Knowing that I have been taken advantage of financially and emotionally and completely mislead has taken a toll on my mental health, my physical health, my relationship with my partner and my family. ALLY FINANCIAL has also restricted my account to where I am not even able to contact them through the email portal on the website. ( Exhibit E )
Product: Mortgage

Mortgage company claims to have paid {$400.00} for my homeowner 's insurance from my escrow account on XX/XX/2020. My insurance company claims they did not receive it. In trying to get the situation resolved, the mortgage company just sent another {$400.00} from my escrow on XX/XX/2020. They did nothing about the original check, and I never authorized them to correct the problem by just taking an additional payment from my escrow account. As a matter of fact, on one of my calls I specifically told them not to do that, for fear of not getting the money back. Now I am out an additional {$400.00}, no one knows what happened to the original check, and my escrow account is short. The mortgage company refuses to cancel the original check because it is a bulk check, but my insurance company has no record of the check with the dollar amount specified or check number as ever having been received by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus refused to reverse the late payments reported on XXXX XXXX XXXX****,  XXXX XXXX XXXX XXXX****..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP