23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. 

This is how this fraud and game is played by these companies. Self Inc. / Lead Bank agreed to remove a late payment over the phone for 2 different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of 2022 they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the 3 major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of 2022. All 3 times Self Inc. / Lead Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is 3 separate issues with the most recent being this month just 4 days ago on the XXXX of XXXX. 

Self even admitted to such in their response to complaint XXXX. They remove it but then days later XXXX will do a dispute process after the correction has already been made. Then they send the dispute back to Self and Self validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time XXXX seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. 

On 3 separate occasions they have done this. I know the XXXX  system, the data fields and XXXX language. I know about the XXXX and The Credit Reporting Resource Guide. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. 

XXXX responds slowly to everything. Their delay is causing a resolved problem to be unresolved. Self Inc / Lead Bank is compounding the problem by re-validating. 

This is not a coincidence. This is a pattern. I have avoided litigation with Self Inc. ' Lead Bank ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. Lead Bank is located in XXXX XXXX, MO so venue for a claim is local. 

So again, and for the final time this is my formal notice to file suit against Self Inc. / Lead Bank in 15 days on XX/XX/2022. I have already filed against XXXX. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.
Product: Credit card

Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.
Product: Payday loan, title loan, or personal loan

I opened a loan with XXXX Credit Card and made my 1st automatic payment from my savings account on XX/XX/2022. This payment was accepted. On XX/XX/2022 the payment was drawn but was returned. I was charged a late fee of a {$29.00}. I do not have a checking only a savings. The 1st payment from savings was accepted but the 2nd wasnt because the company request checking not savings? On XX/XX/2022 they tried to automatically withdraw the full amount of {$3700.00}. I didnt agree to this and my credit union charged me twice for the overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit report inquiry from company " XXXX XXXX ''.
Product: Credit card or prepaid card

Last month I reciev3d a check payable to me for XXXX so I deposited I my us bank checking account so they cleared it so I started paying my bills so I paid my credit card bill of XXXX dollars then I left XXXX which I owed the bank money so they took the rest Later on about 5 days later I couldn't access my accounts online and I was given the run around. So finally I filed a compliant about fraud and I had gotten scammed. The check had already been cashed but was sent to me unwashed so I lost all of my accounts and the bank closed my credit card which had nothing to do with my 3 checking accounts I feel I was treated unfair and discriminated against. These people at the bank got me mixed up and I'm going to sue them I had fraud going on and I am protected. I have fraud protection on all my accounts but a lot of activity from places I didn't authorize My accounts should have never been closed
Product: Credit reporting, credit repair services, 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-DEPT OF ED/XXXX XXXX XXXX,, has violated my rights. 

Account nameXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Syncb/amazon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Name is XXXX XXXX XXXX I would like to file a formal complaint / investigation against Equifax Credit bureau regarding reporting Inaccurate fraudulent accounts to my credit profile. I have sent them countless dispute letters I can confirm at least 8 letters sent Certified US Mail and successful Delivered please see attachment. They have never provided me a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 So I contract the creditor ( s ) Directly example XXXX XXXX where the did send me a copy of the fraudulent contact ( Never Once did Equifax send me any original documents from this creditor to show prove that this debt belongs to me ) I of course respond to XXXX  and Equifax once I obtain the contract myself from XXXX  that this was fraudulent I see where XXXX  Stop reporting on the account back in XX/XX/2020 ( please see attachment ) However this debt is still showing and being reported by Equifax despite myself providing them the contract that clearly shows that is not my signature cause I also provide them a copy of my social security card driver license and a Notarized statement I even went and filed a police report witch I am waiting to be assigned and detective to investigate this crime to take legal action against all parties involved This have been very stressful costly damaging to me! I believe that they are in competed of reporting accurate information I have sent them my driver licenses numerous of time and they continue to report my Birthday as XXXX even know I have told them shown them that is a fraudulent birthday not correct!! XXXX They removed XXXX  account from my credit report to only put it back on there 2 days later I have been disputing this for years and they have even fraudulent respond to my disputes Confirmation Number : XXXX saying it was nothing on my credit report but a collections account for a apartment complex but when I would check my credit report everything I would be disputing would still be on there as if they are not even checking the validity of the reports
Product: Credit reporting, credit repair services, or other personal consumer reports

i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life.
Product: Credit card

I opened an credit card account with discover bank in XX/XX/2022, the card was received, but I never called to activate it, I still have my card with the XXXX XXXX XXXX. 
The credit card was used and spent {$8300.00}, I never received a statement to my address in which I am living for more than 40 years, after 9 monts I received a phone call from Discover Bank stateting that I owe the that amount of money, since them I have been trying to get my statements because I received citation form XXXX XXXX XXXX but the discover bank told me they can not provide the statements because they already send them to the XXXX XXXX XXXX XXXX XXXX. I send email to the attorney and they have not provide the statements either. 
Please helpme because I am a fraud victim. the address the bank have on file for the amount owed is different from mine.
Product: Credit card

The banks customer service is a total mess as it wasted me a total of 38 hours last year alone trying to deal with its customer service department where most basic questions cant even be answered. One agent even submitted the wrong dispute a charge request. They misled me on issues including rewards and account securities. Having reported these concerns to Bank of America customer care, they even refused to transfer my call to a supervisor.
Product: Checking or savings account

In XXXX, XXXX as I was making a drive-thru deposit in my TD Bank savings account in XXXX, Florida, the teller told me that the interest rate on my savings account was incorrect at .05 % and that she was going to 'bump it up ' to the going rate of 4 % ( on 260K interest increased from {$2.00} to {$850.00} per month. After traveling, I went into the same TD bank in XXXX and spoke in great depth with Assistant XXXX XXXX XXXX XXXX XXXX ID # XXXX, asking to be paid the appropriate interest on my money pending the interest increase in XXXX. $ XXXX had been sitting in my savings account for over 2 years attaining {$2.00} per month. She said she could only go back and pay retroactively 1 month. This was done. She stated that the reasons she could only go back one month was because - XXXX. I needed to also have an active checking account ( she and I checked and my checking account was VERY active ). 
XXXX. It was my responsibility to come into the bank when the interest rates started rising and ask for the correct amount of interest back in XXXX 
XXXX. That my account was not the type of savings account that was entitled to an increase in interest ( yet, the drive-thru teller had increased it without me even signing any paperwork! ) XXXX. It would be too difficult for her to go back through the months and determine the appropriate interest for each month as she didn't have access to the rates ( verbatim ). 
XXXX. She had spoken with the 'back office ' and they said they had sent out a notification card telling me what my interest rate was, however, could not provide a date that this was sent out ( I am meticulous with my banking mail and file all correspondence immediately ). 
I informed her that I would be filing a complaint and asked her to email me ( in writing ) all of the reasons why I could not get the appropriate interest on my account, however, to no avail, so I have best summarized what I was told. 
I suspect that this is being done to other elderly people who are not on top of interest rates, etc. I am looking forward to getting it resolved and I hope it raises awareness for others who are being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the loan 2 years early to XXXX XXXX. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe XXXX XXXX money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them three or four times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.
Product: Credit card

I purchased a computer from Best Buy using my Best Buy credit using a promotional option. The promotion offered 18 months to pay with no interest. The total was not paid by that date. Soon after this period I noticed that the amount owed had jumped by {$280.00}. After contacting Best Buy it was explained that that total included all past interest that had been waived. 

When I made the initial purchase I was not told that the past due interest would be added to any outstanding balance. During that conversation I was told that my e-invoice stated this policy. In order to see this information I would have needed to download my statement, which I had n't done. I paid directly within the " make a payment '' options, or over the phone. 

I have since paid the balance I feel is the amount that I owe. I have also asked my attorney to send a letter explaining the circumstances to Best Buy via certified mail. My attorney 's records show that the letter was received. Best Buy has opted to not respond to the letter.
Product: Credit card

In XX/XX/XXXX I was charged late fees of {$29.00} and {$40.00} dollars, when the limit imposed by this department is {$8.00}. On XX/XX/XXXX capital one attempted to collect my past due amount via robocalls when I live in XXXX which makes this an illegal act as a violation of state law and it is capital ones responsibility to know the laws of the states that they do business in. I have never missed a payment since this account was opened and I have never been provided a credit line increase. The robo call collections violate the fair debt collection practices act, maybe even the FCRA. There definitely was a violation of a federal act as well as being overcharging me for the late fees which I asked them to remove the illegal late fees from the issuer and they refused, the interest is also wrong and they are now not reporting accurately in the months following. I also asked to speak to the retention department fives times in one call and they refused to give me access to that department or access to a manager that manages a team. They also do not follow the minimum payment laws and my minimum payment on the account that has a $ XXXX balance was {$120.00} which is an illegal payment ask amount and I believe a second violation of the FCRA .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes XXXX Criminally liable. Under 15 USC 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 instructions of the consumer to whom it relates. I never gave XXXX written permission/ consent to report anything on my consumer report. No consent means Identity theft which XXXX  can be held criminally liable XXXX, XXXX, And Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This credit card institution, Capital One, closed my credit card account due to inactivity without first notifying me and giving me a chance to make a reasonable effort to keep the card active and in good standing. There is no record in my email warning me of an impending closure and no contacts in my paper mail or by phone were made. I called their customer service department the same day that I was notified of the closure, and they refused to offer any information pertaining to the reinstatement of the card. It is my understanding that a credit card company will reasonably reinstate a card as long as they are contacted in a timely manner soon after the closure. This is my oldest credit card and impacts my credit age and credit score, and I was not given a reasonable means of keeping my credit in good standing.
Product: Credit card or prepaid card

Capita l One Closed my accou nt and started reporting negative credit information on me. All of this was done while they were telling me to pay the card. They charge me an exorbitant amount of fees that I disagreed with because they mailed invoices and notices to incorrect address but penalized me for there mistake. Moreover, their fees pushed my card over the limit repeatedly. Additionally they made me personally responsible for the card when it was a corporate card. Thereby, causing great harm to my credit profile, causing it to drop more than  XXXX  points.