23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I writing about my Paypal Credit account, on my XXXX statement it says within the payment information section that I would avoid interest if I paid XXXX, I paid XXXX but was still charged interest. The reason I was charged interest was due to how they applied the payment. I just thought it was misleading to say if you pay XXXX you would avoid interest and then you pay more than that and still get charged interest. For me to have actualy avoided interest I would have needed to pay 2300 to 2400 based on how they applied the payment. I know why the interest was charged I just find it very misleading to have a section of the statement say " to avoid interest pay XXXX '' and that not really be the case at all.
Product: Credit card or prepaid card

This involves a general-purpose Citibank credit card. I pay my statement in full on the due date every month and so am never charged interest on my credit-card purchases. I recently took out a " Citi flex loan, '' which carries a XX/XX/XXXX interest rate and must be paid back monthly over a number of years. The loan balance is added to your outstanding credit-card balance. I tried to make an extra payment to the flex loan, above the minimum payment required, to reduce the interest that I will pay, but Citibank says that any extra payment must first go to outstanding credit-card purchases because those carry a higher interest rate. But my next credit-card statement is not due for XXXX more weeks, so I am not being charged any interest on those credit-card purchases until then ( and will never be charged any interest, since I always pay my statement in full ). I am, on the other hand, being charged interest on the flex loan. It is very misleading and unfair to say that an extra payment must go to the credit-card purchases -- supposedly because they carry a higher rate -- when that rate is not being charged because the statement is not yet due. And there should be a way for Citibank to apply an extra payment the way the consumer asks them to -- in this case to the loan that is currently charging interest rather than the credit-card purchases, which are not accumulating any interest. Instead, Citibank pretends like it is acting in the consumer 's best interest by applying an extra payment to the " higher interest '' credit-card purchases, when in fact by doing so Citibank continues to earn interest that it should not on the flex loan.
Product: Credit reporting or other personal consumer reports

Zinch is reporting a commercial debt on my personal credit reports. This company markets its MCA product as not requiring a personal guarantee.
Product: Debt collection

I was unaware there was a balance due for my previous insurance provider XXXX XXXX XXXX. I received communication from Credit Collection Services about the past due balance. I paid the debt in full & Credit Collection Services representative assured me 100 % that the account would be removed from my credit report. After the months and months the collection company refuses to honor their word.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

Vio Bank made an ACH transfer of {$500.00} to my account on XXXX XXXX  on XX/XX/2022. The money didn't show up on my XXXX XXXX account so far. I made many phone calls to both of them. They didn't help much. XXXXXXXX XXXX wanted me to call Vio Bank to ask for the trace ID of that transaction but Vio Bank refused to give it to me.
Product: Credit reporting or other personal consumer reports

I discovered inconsistencies in the reporting of a XXXX collection account ( Account # XXXX ) across the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ). Specifically : The account type is inconsistently reported ( XXXX Account vs. Installment vs. XXXX ). 
The account status is marked as " XXXX '' with XXXX bureau while " Closed '' with others. 
The date of last activity and date opened vary across bureaus, raising concerns about reporting accuracy. 
The payment status varies in classification, affecting my credit negatively. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I disputed these inconsistencies with TransUnion, requesting a thorough reinvestigation and manual verification of the information with the original creditor. However, TransUnion has failed to provide adequate validation or remove the unverifiable data, violating its obligation under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) which requires the bureau to notify other credit reporting agencies if information is found inaccurate or deleted. 

Additionally, XXXX, as the data furnisher, is required under 15 U.S.C. 1681s-2 ( b ) to investigate and correct inaccurate information but has failed to do so. 

Given these violations, this inaccurate and unverified information continues to damage my creditworthiness unfairly.
Product: Credit reporting or other personal consumer reports

Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) and 611, in handling my dispute regarding fraudulent information on my credit report. 

Previous Dispute Submitted to Equifax : XX/XX/XXXXXXXX  CFPB Case Number : XXXX Equifax recently closed my dispute without blocking the fraudulent late payment. This violates FCRA 605B, which mandates that fraudulent information be blocked from a consumer 's credit report within four business days of receiving proper documentation. 

I am a victim of identity theft and the Equifax data breach. The fraudulent late payment pertains to an auto loan opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. It was reported as delinquent in XX/XX/XXXX. I do not recognize this late payment or the account and have provided substantial evidence supporting my claim, including : A valid identity theft affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) Proof of address A copy of my government-issued identification Documentation linking me to the Equifax data breach Despite receiving this evidence, Equifax failed to block the disputed items within the four business days required by FCRA 605B . Instead, they " verified '' the fraudulent accounts without disclosing the sources or evidence used, violating FCRA 611. 

Equifax has not blocked the fraudulent late payment from my credit file, as required under 605B of the FCRA. This non-compliance is particularly egregious given that I am a known victim of the Equifax data breach. 

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) Equifax 's investigation did not meet the standards outlined in 611. They failed to provide details of their verification process, including the sources and furnishers contacted. This lack of transparency undermines my right to accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, Transunion and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX  balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,
Product: Student loan

In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Goldman Sachs Bank USA has denied my right to credit as I applied for an Apple Card on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Goldman Sachs Bank USA violated federal law by denying my credit application. Goldman Sachs Bank USA also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.
Product: Consumer Loan

I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a misleading credit card reward offer from American Express related to the Gold Card. 

I recently opened a Gold Card through a referral from a friend. Both my friend and I were aware of the publicly advertised offer that stated new cardholders would receive XXXX Membership Rewards points after meeting the spending requirements. However, after completing my purchases, I was awarded only XXXX points as part of my welcome bonus. 

The offer I applied for contained the phrasing " AS High AS XXXX points. '' This misleading description caused both me and my friend to believe that I would qualify for the full XXXX points. Prior to applying, I also contacted American Express customer service to confirm the details of the offer. During this call, I was assured that I would indeed receive the full XXXX points upon completing the required spending. 

To my surprise, after meeting the necessary spending threshold, I was told that I was only eligible for XXXX points, contradicting the information I was given. Furthermore, I have no written confirmation or email documenting this discrepancy, leaving me frustrated and feeling misled. 

I believe that American Express engaged in deceptive marketing practices and did not clearly communicate the terms of the offer. I request your assistance in addressing this issue and ensuring that American Express upholds their advertised reward offer of XXXX points. 

Please inform me of any steps I should take or if you require additional information to proceed with my complaint. 

Thank you for your attention to this matter. 

Sincerely
Product: Payday loan, title loan, or personal loan

I have tried several times to change my payment method so that I can pay the balance but it wont let me and tells me I have to contact customer service. I've reached out twice and have received no response ; but they continue to report my account as delinquent. I can't pay the bill if the system won't let me change my banking information to pay ; and they continue to report my account as delinquent.
Product: Mortgage

Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.
Product: Debt collection

I filed a complaint against the company for trying to collect a false debt from Discover previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from Discover, the original creditor. 

The attorney is intentionally not releasing the debt to Discover so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd Discover bank and and attorney on this complaint so that I make sure Im following all steps required beforehand.
Product: Debt collection

It has happened numerous times before, but today specifically they called me 4 times. I have asked previously to not be contacted on my number, because it is a cell phone. They still continue to call. I understand that I am behind. I explained that I lost my job, and am trying to catch up. Calls have not ceased, and they ask to set up a future payment to stop the calls. I reiterated that it is a cell phone, and I do not have to set up anything for them to stop calling me. Last time, they called me 3 times in one day about 2 weeks ago. I 've never had a problem paying my bills on time.
Product: Student loan

My wages are being garnished for a student loan and have been for a year. This is has caused me a great deal of stress. I have XXXX XXXX XXXX and have had to have several XXXX  which causes me to be off work.Due to XXXX with my illness I exhaust my vacation and PTO days. I also have a XXXX, XXXX, and XXXX that I have to see monthly. I contact Credit Adjustments Inc,XXXX to discuss payment options and was told that I had to pay the amount in full. My health not getting any better and I would like to be able to make monthly payments toward this debt. I had to drop out of school and unable to complete due to my illness and with the garnishment it is making it difficult for me to afford the basic necessities. I understand my financial obligation and under no circumstance am I negating my responsibilities.
Product: Debt collection

My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX. XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ turnpike toll close to the Medowlands, he demanded my credit card upfront for payment, ( first my XXXX XXXX ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my Capital One card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions were made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had XXXX on the phone while he was still driving me and he was harassing me the entire ride, I made sure the XXXX rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.
Product: Credit card or prepaid card

I purchased a speaker from Best Buy. I opened a Best Buy credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my Best Buy credit card. On XX/XX/XXXX a check was sent to Best Buy CitiBank and was cleared the following day, XX/XX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XX/XX/XXXX - XX/XX/XXXX. On the call a representative from CitiBank and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XX/XX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to CitiBank to get it all sorted out again and nothing was done again. To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.