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

I carry a balance on my Chase Freedom card with a promotional 0 % rate. I made additional purchases on the account in XX/XX/XXXXand XX/XX/XXXX, which is charged interest as soon as the charges hit the account. Prior to the next statement date, I paid the minimum amount due plus the full amount of the new purchases. I assumed that Chase would apply the amount in excess of the minimum amount due to the purchase balance, as the law requires that payment in excess of the minimum be applied to the balance with the highest interest. Chase applied the full payment to the 0 % balance. I called Chase and I was told that the excess payment was not applied to the purchases since they were not on the prior monthly statement and are not considered a " balance '' for payment allocation. I do not think the Credit Card Act of XX/XX/XXXX allows that. If I am charged interest on the purchases, it should be considered a " balance '' on the account for payment allocation, regardless of whether it appeared on a statement or not.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are two ( 2 ) Historically Under-utilized Businesses ( HUB ) companies duly registered in the State of North Carolina and responsibly carrying on business in the state by XXXX XXXX XXXX ; a USA citizen. While XXXX XXXX XXXX and XXXX XXXX XXXX has been in business since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX was incorporated on XX/XX/XXXX with the NC Secretary of State ( SOSID : XXXX ) having been appointed a XXXX XXXX Agent to carry-out Money Transfer Services. 

The above mentioned HUB companies both opened and operated recently Business Accounts with First National Bank of Pennsylvania branch located on XXXX Falls of XXXX XXXX, XXXX, NC XXXX. Without the attendant due process and recourse to our companies ' representative/business owner ; First National Bank of Pennsylvania reversed duly presented check payments made by a Mr XXXX XXXX XXXX to our company for services provided resulting in debit balances of XXXX XXXX and XXXX Dollars and XXXX Cents ( {$720.00} ) for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Dollars and XXXX Cents ( {$240.00} ) for XXXX XXXX XXXX XXXX XXXX. 

These debit balances are not owed by our companies as alleged by First National Bank of Pennsylvania ; who in turn turned over these debit balances to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection. We dispute the basis and authenticity of these debts and want the CFPB to intervene and invalidate these claims by First National Bank of Pennsylvania and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit XXXX and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXXXXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX XXXX XXXX never late XXXX XXXX and XXXX this has happen before
Product: Credit card or prepaid card

On my XXXX Credit report is showing two credit cards that are not mine. 
Both are with CITICARDS CBNA One was opened on XX/XX/XXXX with the credit limit of {$11000.00} Other was opened on XX/XX/XXXX with a credit limit of {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Product: Credit reporting or other personal consumer reports

Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a 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. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Good evening, I hope this message finds you well. I'd like to formally report Experian to the CFPB. On XX/XX/2024, I wrote to Experian to inform them they are reporting inaccuracies on my credit report. The status of these four accounts were being reported in accurately : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I sent my letter on XX/XX/2024 and here 's the tracking number : XXXX The investigation was quick and Experian assured me that all these accounts were verified. So on XX/XX/2024, I wrote to Experian again and ask them to please send me proof of the investigation including communication between Experian and the Credit Furnishers. I told them that under the FCRA laws, if they can not provide proof of this investigation, they must delete the account. 
I sent my letter on XX/XX/2024 and here 's the tracking number : XXXX Please be advised that Experian only has 15 days to respond, if not they have to delete the accounts. If they continue to report these accounts as verified, they are breaking the law and should be dealt with immediately. Please help me in reprimanding Experian. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE SUBMITTED THE PROPER DOCUMENTS TO HAVE THE UNAUTHORIZED INQUIRIES BLOCKED FROM MY CONSUMER REPORT.
Product: Debt collection

XXXX XXXX XXXX purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.
Product: Debt collection

Calvary Portfolio Services already acknowledged fraud and stated they would send out a fraud packet to complete as the original packet wasnt received being sent to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX You cant legally acknowledge a fact, then ask a claimant for evidence to satisfy their burden of proof. As with XXXX XXXX XXXX, case number : XXXX is already determined ID theft superseding their internal processes.
Product: Credit card

I am bankruptcy, am still going through bankruptcy. I have never had credit with capital one credit. the bill statement read XXXX balance,XXXX transaction,XXXX due XX/XX/XXXX.i did not ask for credit, i donnot want credit.i filed bankruptcy XXXX. I am still in the process
Product: Credit reporting, credit repair services, or other personal consumer reports

This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with XXXX XXXX XXXX for {$2500.00} that was sold to Portfolio Recovery Associates are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) Portfolio Recovery Associates MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and transunion, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as experian in action violates federal law and my rights as a consumer.
Product: Checking or savings account

todaY XX/XX/2024 tried to make a transfer tried to create account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with XXXX XXXX XXXX XXXX and now the credit bureaus. The XXXX XXXX XXXX XXXX loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX  , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit card

Synchrony Financial Bank / Care Credit Fail to post payments and allocate them to the correct promotion. causing undo stress of dealing with XXXX reps a poor phone system that keeps you on hold for over 1 hour. and reps refusing to do their job correctly. continued follow-up calls need to be implemented for this to get done. It 's pretty sad that you need to turn to social media sites to get action and have been blocked due to threatening a class action lawsuit.
Product: Payday loan, title loan, or personal loan

I, consumer, natural person, and living woman was discriminated against by XXXX XXXX ( Affirm ) when I applied to make a purchase on several occasions, I will attach the dates in the attachment section. 
A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, XXXX XXXX ( Affirm ), accepted my application you also accepted fiduciary responsibility. 
Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from XXXX XXXX ( Affirm ) and the unauthorized use of my credit card. I did not receive ANY BENEFIT from this transaction 15 USC 1603 ( p ). My consumer report was negatively impaired proving the transaction did in fact go through. It is my right to be granted substantial amount of credit 15 usc 1691 ( d ) ( XXXX ). 

XXXX XXXX ( Affirm ) claims to not be able to confirm my information ; however XXXX XXXX ( Affirm ) sends me a code when I purchase from a company that utilizes them without me requesting to pay in installments or notice the company utilize XXXX XXXX ( Affirm ). A box populates with my information to enter the code. I have had installments with XXXX XXXX ( Affirm ) before so that message is surprising to me. 


Best Regards, XXXX : XXXX XXXX XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/XXXX  XXXX
Product: Credit reporting

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, To expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit card or prepaid card

I applied for the XXXX XXXX card in XXXX  with a new XXXX member skymiles bonus of XXXX miles with {$3000.00} spend in the first 3 months. 

I noticed in XX/XX/2019 that I never received the skymiles in my XXXX account. I contacted American Express to find out why. The agent said he didn't know why and would open a case and I would see the skymiles added within 30 days. 

In XX/XX/2019, I still didn't see the skymiles in my account balance. I called again. This time I spoke to an agent who was incredibly rude and told me I didn't qualify for the skymiles. I asked her why and she referred me to the terms and conditions on the website. I asked to speak to her supervisor. After AN HOUR, the supervisor came on the phone and said she didn't know why I didn't get the skymiles either and would open another case to get them added. I filed a complaint regarding the agent due to her lack of knowledge and professionalism. 

Its XXXX, I don't have my skymiles and I don't want to call them again because of the amount of stress brought on by these conversations. 

I've never had a XXXX credit card in my life. I've never received a welcome bonus. I met the spend requirements to earn the skymiles bonus and I'm deeply offended at the amount of time and effort it has taken me to just get what they advertised. 

Also ridiculous I have to come to the CFPB to intervene on my behalf. 

Thank you very much for your time and assistance, XXXX XXXX
Product: Mortgage

XX/XX/XXXX XXXX XXXX Executive office Wells Fargo, advised that my property was not in foreclosure but that Wells Fargo hired an attorney. Despite the fact that since XX/XX/XXXX, when the loan mature, I submitted an application for financial assistance ( loan modification ), due to the fact that Wells Fargo was demanding a full payment of {$55000.00}, I received a payoff statement from Wells Fargo that reads as follows : " this is a foreclosure case and legal proceedings may continue ''. It is obvious that Wells Fargo provides false an misleading information, I was advised that while an application for loan modification is being process, foreclosure is on hold, and that after being denied I will have the right to an appeal. Wells Fargo is not consistent, basically lies to the customers. I am requesting for my complaint to be Escalated. I am requesting for my application for financial assistance to be Escalated and review by someone that doesn't practice DISCRIMINATION. I don't want my property to be foreclose. I have never refused to pay Wells Fargo. I have provided all documents requested by Wells Fargo. I paid taxes an insurance on the property. I deserve to be approved for a loan modification.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Credit Card Ending In XXXX There are no Balances owed on any Credit Cards