23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When i make an ach payment electronically, that money is taken and clears both sides within minutes generally. Their policy says all payments made electronically thru the app or online reflect in your account either same day or next business day depending on the time of day you make the payment, and what day of the week it's made. One example, I made an ach payment on XX/XX/year> at XXXX XXXX  CDT. According to capital one, my payment should reflect in my account no later than 1 business day which would be Monday 1/27/25. But they take your payment, receive the money, and never apply it to your account before 3 business day. So they make interest off the money theu get from you, and then you have 2 extra days of interest on your balance on your card that you shouldn't pay. So that's 2 days a month, times 12 months. It's 24 days of extra interest consumers shouldn't be paying. Even according to their own payment policies. It's misleading. At an interest rate of over 20 %, 24 days adds up. Meanwhile they've taken your payment same day It's made. They are making millions on interest by doing this. Just like they did with their 360 checking accounts. If they are going to " hold payment to make sure it clears '' for 3 days, they should state as such. They do not. Ut should be illegal for them to say they hold payment when they've already got the payment funds from the consumers bank. Especially if the consumer is making a payment when no payment is due
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have attached the XXXX creditors I do not authorized to check. I dont even bank with them.
Product: Debt collection

Merchants and Professionals Collection Bureau is trying to collect a medical debt incurred by my former domestic partner. On the phone in XXXX, they said the debt was for my XXXX  ; however, I have never been sent an addressed, itemized statement of charges from the reporting clinic or the collections agency. I told them I would not pay until I was sent statements addressed to me showing responsibility for the debt ; that is, a list of services and who they were provided to. After the call, they put a number of collections debts on my credit report, XXXX to be exact, that I had no knowledge of, claiming that I was jointly responsible. When I disputed the items on my credit report, they removed all debts except XXXX for an amount of {$260.00}. They have since sent me a notification saying that they have verified the credit reporting account, but, I have yet to receive an addressed notification from them or the clinic or credit agency specifying the services that I am being billed for or who the services were provided to ( i.e., my XXXX or my former domestic partner ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
2. Validate Account : XXXX XXXX XXXX. Account XXXX : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I keep getting interest charges even when I pay my statements balance in full by the due date. I called and discussed with the company and was told that I carried a balance. I took screenshots from the Citi app this month since I continue to be charged to show my payment making final statement balance of {$2000.00} and then {$0.00} owed by due date yet I was charged interest XXXX. I am asked for this to be corrected along with a review of other interest charges for this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charged off and written off for tax purposes. I have disputed the information because not only has it been written off and I did not receive a 1099c but it also still shows a past due balance even after being charged off. It is reporting incorrectly and I believe it to be in violation of my rights per the FCRA.
Product: Mortgage

My complaint is against Bank of America, N.A. ( BOA ) and their unfair practices with denying me a remodification loan - while they are trying to slow-walk me into foreclosure. I have a Home Equity Line of Credit ( HELOC ) where I was paying on an interest-only loan. After 15 years, the terms of the agreement changed to where I had to pay the principle and interest at a higher rate. Note : The payments have almost tripled. I have been requesting a remodification since XXXX 2017, and with each formal request I have been denied three times with very vague excuses. Moreover, BOA has encouraged me to keep applying for a remodification loan, while the payments and late fees keep piling up. Although I have been paying something on the bill, I am unable to pay the full amount each month. So, according to BOA, there is a danger that my home will end up in foreclosure. One BOA  representative told me verbally that they think I can pay the high amount without a remodification ; while another rep said that I did not have sufficient income, or my expenses were too high. BOA appears to put me off without giving me clear directions on what to do. I have had a BOA rep call me and then hung up when I answered. I think this is so that they can say that they have tried to reach me and did not get a response. BOA tells me that they are willing to help, but then drag out the remodification process with back-and-forth issues of losing my documents until I am so far behind that the foreclosure proceedings may be imminent - according to them. Each time I have been denied a remodification, BOA has sent me the same Stock letter,  but with a different date. Also, BOA keeps losing all of my documents, and then claims that I never submitted them. BOA keeps recording me late every month which degrades my credit score. No other mortgage company wants to do business with me because of my HELOC account with BOA. I have attached copies of some of the documentation that I had on hand of the unsigned correspondence from Bank of America.
Product: Credit reporting or other personal consumer reports

I have brought this issue up to Transunion before with no resolve. My life has been hugely affected because of their negligence. I am a victim of identity theft. Someone keeps applying for things in my name and Transunion is reporting these things. I have made a police report and reported this to the FTC.
Product: Debt collection

I was contacted yesterday from a private number and they left me a voicemail stating that I owed money for an old payday loan and that they are threatening legal action against me. The number that they left to call back was XXXX. When I called the number I was told that XXXX county sent them my information in regards to a debt and that I would have to speak with a compliance officer in their office. When I asked where they were located the representative told me XXXX Georgia. So I asked her for an address and a contact number to the person who contacted me. She told me that they didnt have one. I told her that if they were looking for me they need to contact me and stop harassing my family and friends. She just kept saying they did not call me because they dont make outgoing calls in their office. Me and the rep kept going back and forth and she hung up on me when I told her they are just a call center. I called right back and demanded to speak with a supervisor. I spoke with the supervisor and asked her for a local number to call with an address since supposedly they are filing a court summons in my county. She told me they dont have contact information. She was very rude when I asked her how am I supposed to contact someone with no number? She told me I need to answer the phone when they call next time. I told her there is no number that shows up and my one doesnt ring when they contact. I just end up having a missed call from a private number and a voicemail threatening legal action against me. She then hung up on me. They had my address and everything.
Product: Debt collection

A company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has made XXXX attempts at collecting a debt related to an overdrawn checking account from BANK OF AMERICA. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXXXXXX with account number XXXXXXXX XXXX  with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXX Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I previously advised this company several time I dont wish to revive any contact, via calls and mail. I spoke with several representative and told them to place my account on Do Not Call. Ive still have been receiving calls and now to another number that was skipped traced by one of the representative. When I spoke to a supervisor today by the name of XXXX she tried to get my to verify information XXXX as vehicle and address I told her I dont wish to do so. I told her i received a call and my account is listed under do not call. She told me she can see that information apologized for call. She then proceeded to tell me Im getting calls because I owe I balance. Which is yet another violation because I dont verify my information with her. This is now the third complaint on this company about calls from me
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Prepaid card

I have a prepaid card through USBank and have contacted them numerous times about closing the account, but it is still open. I do not want to be charged anymore fees and the balance is {$0.00}. Every time I call it is a nightmare dealing with the company about ANYTHING! You never get a straight answer. So annoying and frustrating, not to mention a waist of time.
Product: Credit card or prepaid card

I'm mainly writing this to serve as a warning for others, as based on several calls with the bank they are not willing to do anything about it. I would like to preface this by saying that I have been a customer of PNC Bank for 10+ years and have had zero issues up until this point, so I was surprised with how this situation was handled. 

On XX/XX/2020 I made a deposit for {$100.00} to XXXX as a new user to take advantage of one of their promotions. There was nothing when I was entering my payment info on the website to make me feel as though this would be treated any differently from the hundreds of prior transactions I've made with a credit card in the past. 

On XX/XX/2020 I was hit with a {$10.00} " Finance Charge '' and on XX/XX/2020 I was hit with at {$1.00} " Minimum Interest Charge ''. On my next statement but also on XX/XX/2020 I was credited {$1.00} and {$0.00} in two separate transactions. I didn't notice any of this activity until after I paid the statement balance. When I viewed my FICO score, it had dropped around 20 points. 

Apparently what happened was the {$100.00} had been processed as a " Cash Advance '', triggering the fees. My fiance made the same transaction on her new account on the same day for the same amount, using a XXXX card. Her transaction processed as a normal credit card transaction, so no fees. Her mother made the same transaction on her new account on the same day for the same amount, using a MasterCard. Her transaction was also processed as a cash advance, but a quick call to customer service waived the fees. 

I called the PNC Bank credit card customer service and spoke to a manager. They declined to refund the fees because the " transaction was valid ''. It was processed as a cash advance because of some properties of the transaction that aren't visible to me but are handled by the merchant/VISA. 

A " Cash Advance '' is a distinct financial service that I did not request but that I unwittingly got, along with the fees and a hit to my FICO score. Also, it's strange that different financial institutions handle the transactions and customer service differently, despite the same information from the merchant.
Product: Student loan

Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.
Product: Debt collection

I provided XXXX XXXX with my medical insurance they have it on file there due to the fact that that 's the hospital I go to for medical care so I do n't understand how I owe anything if each time I stayed in the hospital they collected my information
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. 

CB/LNBRYANT XXXX CCBXXXX XXXX CB/VICSCRT XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The call rep was very rude, and i disconnected. I was calling about inquiries that i didnt do
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete these erroneous items IMMEDIATELY and send me an updated copy of my credit report, thank you. 
Transunion XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

USAA Savings Bank sent me a letter on XX/XX/XXXX stating that approximately {$180.00} restitution was due to be returned to my USAA Federal Checking Account resulting from a CFPB Audit that was completed. 

I have been asking my bank ( USAA ) since XX/XX/2019 when will my restitution be deposited into my account. Since XX/XX/2019, USAA Federal Bank has informed me that they can not provide me with a date that my restitution will be deposited into my checking account since its up to CFPB to inform USAA. 

Can you please let me know if this is true? Can you please let me know when my restitution resulting from your audit of my bank USAA will finally let me receive my restitution? Would this restitution include any interest that might have been added since XX/XX/2019 if I had received this restitution on time? 

If CFPB is " holding '' up my audited restitution funds, what date can I expect to receive these funds deposited into my USAA Checking account? 

Thank You, XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX-XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX freedom financial account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.. 

15 usc 1681 section 602 states i have the right to privacy...

15 usc 1681 section 604 a section 2 ; it also state a consumer reporting agency can not furnish a accunt without my writtren instructions.

15 usc 1666b ; a creditor may not treat payment on acredit caed accoun under an open en consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report under the protections granted by 15 U.S. Code 1681c-2A.

I recently discovered unauthorized or fraudulent accounts and/or inquiries on my credit report. These accounts were established or attempted without my knowledge or consent and are the result of identity theft. Specifically, the disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In compliance with 15 U.S. Code 1681c-2A, I have enclosed the following documentation to support my claim : A copy of a valid driver 's license A copy of a police report or FTC Identity Theft Report ( FTC Report Number : XXXX ) Under the statute, you are required to block the reporting of information that is the result of identity theft within four business days of receiving this notification and the accompanying documentation. I kindly request written confirmation that the disputed information has been blocked from my credit file. 
Additionally, please provide an updated copy of my credit report reflecting these corrections once the fraudulent information has been removed. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please contact me.
Product: Debt collection

XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.
Product: Prepaid card

My account was froze for 5 days. I could not access my money or check my account. My payroll deposit was 2 days late and as of right now I cant log in 2 see my transactions or account balance. You call Customer service and the phone just hangs up. I had to borrow money just to pay my bills. This has been one of the most stressful weeks of my life.