23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a two-tiered plan with XXXX XXXX ( Comenity Bank ) for two XXXX XXXX XXXX. 
I planned to pay both loans off before their promotional dates to not incur the additional interest. 
Plan one was due in full by XX/XX/2020. 
Plan two was due in full by XX/XX/2020. 
I have previously had other loans with tiered plans before and usually they are more clear about the payment installments. In addition, with COVID crisis the statements didnt make it clear, or had small print in the warning box that a minimum payment was needed for the 2nd tier plan. 
Background : I paid all my payments over the phone with my checking account, and paid the minimum. 
XX/XX/2020 Statement paid the balance of {$1800.00} like the statement said to do, to pay off the tier 1 plan. I didnt notice in the small print that I also needed to pay the minimum payment of the 2nd plan. 
XX/XX/2020 Statement received my statement, expecting my tier 1 plan to be paid off ( with the {$1800.00} payment ) and found that it wasnt. That {$1800.00} payment was applied to both my tier 1 plan, and the minimum payment due for my tier 2 plan. 
I called about XX/XX/XXXX when I got the statement saying I was short and they then informed me that Id be getting a statement for {$1500.00} for interest because they said I was {$71.00} dollars short for my tier 1 plan. It was already too late to fulfill the obligations for the tier 1 plan when I called. They then shared that they would allow me to pay payments ( with interest ) on the interest. 
I then paid the tier 2 payment because I was so upset about how the payments were applied. 

I received the interest statement around XX/XX/XXXX for the additional {$1500.00}. I paid this and had to handle this without the help of my daughter due to COVID restrictions. I want to make sure others are aware of this so it doesnt happen to others.
Product: Mortgage

I had called into 5/3 bank mortgage services requesting a payoff amount ( {$38000.00} ). I made the payment while I was on the phone with the rep. The payment was setup to be submitted on XXXX. I logged into my account on XXXX and noticed that the entire amount I has sent was titled as unapplied credit. There was nothing applied to even a regular payment I also noticed that the regular monthly payment was still made the day after they received my payoff amount. 

I called customer service and was informed that the correct payoff amount was $ XXXXxx.xx and there system did not know what to do with the payment I sent and that is why it was being held in unapplied credit. I asked why I wasn't notified and I was told their system is setup to send out a notification 10 days after unapplied credit is received.

I let them know the reason for the payoff was to lower my debt to income ratio and apply for a loan for an upcoming purchase. Since this wasn't paid off in the time I had anticipated I informed the customer service rep that I would like that money simply sent back to me. I was informed that she would submit a ticket and that a manger would reach out to me in 4 business days to discuss. I asked why that was the solution as they have held my money for a week.

On XX/XX/XXXXI reviewed regulation z and I believe what they are doing is in violation of : 1026 Paragraph 36 ( c ) ( 1 ) ( ii ) When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( i ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( i ).

5/3 automatically put the whole {$38000.00} into an unapplied credit and a seperate payment had to made after!

I also believe the way this was handled is subject to 36c1 ( iii ) Non-conforming payments. If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of five days after receipt.

I believe there refusal to credit me back and have me wait over 5 days is in violation of this.

I called back to notify 5/3 of these concerns but was told their procedures again.

I am not sure if my interpretation of reg z is correct but at the very least it doesn't seem like they are acting in good faith holding the funds and not getting back to me until at leastXX/XX/XXXX.. .hopefully.
Product: Credit card

I noticed a charge on my credit card account for XXXX for XXXX prime. I thought it was part of my monthly subscribe and save and only three years later noticed the amour XXXX did not change when my Subscribed and saved products price increase. 

I contacted XXXX who confirmed the charges were not on my account. They told me to contact the bank. 

The bank says the charges are valid because I paid my credit card. I always pay off my credit. If this were a valid response that would mean if I chose not to pay off my card. Then I could dispute all charges are fraud.
Product: Credit reporting

Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.
Product: Debt collection

I was contacted by a person named XXXX XXXX on XX/XX/21 and left me a voice message and it is given below : " This message is for my name and our company owner 's name. My name is XXXX XXXX I'm a private civil XXXX and I have been retained to do an asset liability investigation against both of you and your business scheduled to begin tomorrow morning at which time I will be contacting, interviewing any possible Banks, Merchants, Vendors, Customers you are doing business with, gathering public records such as liens and judgements. I will be sending this information off to the firm that has been retained my services. So, If you do have any questions prior to me coming out or any COVID related issues that prevent me from coming out please contact the firm of XXXX XXXX XXXX they can be reached out at XXXX XXXX XXXX and do reference the case # XXXX. '' When I did contacted XXXX XXXX XXXX and spoke to XXXX XXXX XXXX, asking about the information and He started in a rude manner that we owe a company named XXXX XXXX XXXX ( which we don't owe anything and XXXX is billing for unauthorized charges which was already in dispute ) and that Myself, the owner of the company and our company that he threatened to sue. When I asked him about his rude behavior he started using XXXX, abusive language and XXXX Slurs. 

I hung up the phone call and started searching online about this company and I saw lot of people are affected by this collection agency in the same manner and I have attached the links below of various complaints : https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX Collection Agency information : XXXX & XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, RI XXXX Ph : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, IL. The INCORRECT name that should be deleted is XXXX, XXXX, XXXX. 


I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer 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.
Product: Vehicle loan or lease

The payment was attempted online three times and failed on ( XX/XX/XXXX ) This payment was made while I was in XXXX battling XXXX and XXXX XXXX for {$250.00} leaving {$35.00}. I then attempted to pay the remainder with ( 3 ) different cards which all clearly had enough to cover the {$35.00} charge and all three were declined. 
I couldn't reach customer service until Monday as this was a Sunday. I was told it was nothing they could do. This company went on to report this {$35.00} partial payment as late to the credit bureau and charge me a {$66.00} late fee. I asked the customer service representative if they had any XXXX clauses in place to assist and did not. I made all attempts to make this payment. Their payment portal was not let me make the payment. I should have my credit file destroyed and be charged {$66.00} for a late fee for a {$35.00} partial payment. I had no idea what the misc fee {$25.00} is for
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT WHICH IS NOT MY ACCOUNT
Product: Credit reporting

Equifax required me to purchase a credit report from them for {$15.00} just so I could find out if my account had a credit freeze on it or not. I should not be required to purchase a product just to find out about my own personal credit information.
Product: Credit card or prepaid card

Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.
Product: Vehicle loan or lease

Paid the car off @ XX/XX/XXXX at a TD Bank location in XXXX Ma. I was told it would take 30 days for the title to be returned to me. I still do not have the title and when I called today they said the lien had not been released but the car is paid off. I have no confidence in them at this point and can not sell the car without title and this is causing me financial harm as buyer is going to walk away from the transaction.
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX from the dealership. We made all payments and decided to pay the car off early. We called for a payoff and was given one that overpaid the car by more than XXXX. ( XX/XX/XXXX ) We were told we would receive a refund with 30 days. After 30 days have passed, we still have not received a refund. We called and were told we had to an additional 15 days. We did. At this point, it is now XXXX and we still have not received a refund. We are give to the run around and every time we are told that it is escalating to upper management and should receive the refund in 3-5 business days, we never do. On Hyundais end, they keep cancelling the refund. At this point I feel like they are looking for a reason to keep my money. Its almost like theft and fraud. Its 60 days passed the time I have paid the car in full and still have yet to receive a refund. I have been several case numbers and everytime I call my case has been cancelled or a system glitch and it was cancelled. I have been patient but this is getting old.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I entered two bill payments from my CITI checking account using the CITI Bill pay application. I selected the XXXX icon and entered my XXXX checking account number. The payments were to be made to XXXX XXXX XXXX XXXX merchant. The funds were to sent to my XXXX checking account number. CITI claims that the funds cleared on XX/XX/2020. The funding did not appear in my XXXX   checking account. I called XXXX and they claimed that they did not receive any bill payment funds. XXXX said that I should ask CITI to reverse ( pull back ) the payments from where they were sent. I called CITI and they said that the funds had cleared so there is nothing that they could do. CITI said that they could not pull back the funds. They would not reverse the payments. Instead, CITI provided me a typed paper stating that the funds had cleared. My XXXX statement shows that the funds were removed from my CITI account. 
My XXXX statement does not show any funds received into my XXXX   checking account. Neither bank can help me locate the missing bill payment funds.
Product: Debt collection

have received illegal post correspondence from HHRG regarding The Fair Debt Collection Practices Act 15USC 1692 states that the bill has the following listed violations.

15USC1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails 15USC1692D ( 2 ) language the natural consequence of which is to abuse the hearer or reader.

15USC1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges.

15USC1692F ( 7 ) Communicating with a consumer regarding a debt by post card.

15USC1692e ( 2 ) ( a ) the amount of any debt.

15USC1692b ( 2 ) not state that such consumer owes any debt HHRG has not responded to any correspondence since my first certified attempt on the collection of fines.

HHRG XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 my payment was taken out of my bank account in the amount of XXXX. On Bank Of America 's page it shows that this amount has been processed however it also says the exact same amount is also in a pending status. There are two separate statuses for the same payment which conflict each other. They are not releasing my credit line to the full amount to reflect payment. They have done this in the past with large payments. They will show it is cleared in one spot and then leave it in processing as well, but they DID take the money from my account. Again my available credit does NOT show they have applied the payment. Customer service was no help whatsoever. They talked down to me and kept me on hold for a long time without getting a supervisor as I had demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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
Product: Credit reporting or other personal consumer reports

Today XX/XX/2025 I received a notification about a new credit card inquiry through my XXXX XXXX app. 

A new inquiry was made at XXXX XXXX  under EQUIFAX CREDIT REPORT. I called the bank to report this FRAUD and they found an application # XXXX which was declined as soon as we spoke over the phone. 

I need to legally inform that my personal information have been compromised, someone is using my social security number and name to make ONLINE credit applications.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I received an email from Trans Union reporting a credit card request had been submitted & denied by XXXX XXXX XXXX due to my credit bureaus being purposely frozen. 
I did not apply for this credit card, and when I reported the fraud to BoA they let me know several more applications had come in. 
This happened previously in XXXX with XXXX & XXXX, with a card I did not apply for actually get sent to my house. I froze all 3 credit reporting bureau accounts & added a fraud alert, as well as requested a report from XXXX. 
The XXXX report had dozens of accounts with my information listed that had not been authorized by me, and I have not received a final updated report but have been able to dispute most. It is locked with a PIN. 
I was advised to report this to the FTC, and from there was redirected to this site.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I submitted a complaint regarding XXXX. The complaint was addressed, and XXXX stated that they located and removed the following records from my credit report : XXXX and XXXX. XXXX also submitted a dispute to both XXXX and Equifax on my behalf. However, after multiple calls to XXXX, and Equifax - I was told that no such dispute was received or could not be located. 

I have sent every letter received from XXXX to both XXXX and Equifax. I am not sure why XXXX has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

Equifax claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following bureaus XXXX, XXXX and Experian about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had a pre-approved letter from XXXX  XXXX XXXX for a autoloan. XXXX did not honor this request initially and I had to escalate to corporate before it was resolved. XXXX claimed they were not a pre-approved dealer by XXXX XXXX XXXX when they were. As a result I had multiple inquiries from unknown sources on my credit report that I did not authorize. Wish to have this inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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.
Product: Credit card or prepaid card

I received in the mail on XX/XX/21 a credit card from Citizens Bank with a credit limit of {$11000.00}. I never applied for it. The number was XXXX. I also opened mailed yesterday and a personal loan for a XXXX was denied from CitizensOne the same bank. I called Citizens and reported it to them on XX/XX/21.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX 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 an 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

XXXX XXXX XXXX is not completely and accurately reporting my information to the Experian as follows : The account status is blank, and this is relevant data that is important!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.