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

XXXX XXXX ( US BANK ) ACCOUNT ENDING XXXX - COMPANY HAS DECREASED CREDIT LIMIT TWICE IN THE SPAN OF 18 MONTHS - I WILL ACKNOWLEDGE THAT MOST RECENT CASE ( XX/XX/XXXX ) IS LESS DISPUTABLE AS I MADE PARTIAL PAYMENT ON TOTAL AMOUNT DUE - I HAD PREVIOUSLY INQUIRED ABOUT PROMOTIONAL RATES OR PAYMENT ASSITANCE DUE TO FINANCIAL DIFFCULTY DURING THE PANDEMIC - THE FIRST TIME THE LIMIT WAS DECREASED ( XX/XX/XXXX ) I WAS ONE DAY LATE AND IMMEDIATELY MADE PAYMENT WHEN I REALIZED IT HAD NOT BEEN SCHEDULED. I TRIED TO RESOLVE THE MATTER WITH CUSTOMER SERVICE BUT THEY ONLY SUGGESTED TO KEEP MAKING ON TIME PAYMENTS AND THE ACCOUNT WOULD BE REVIEWED AS OFTEN AS SIX MONTHS. 18 MONTHS LATER AND DESPITE ON TIME PAYMENTS, NO CHANGES OCCURED - I REACHED THE UNDERWRITING DEPARTMENT BY WAY OF CUSTOMER SERVICE XX/XX/XXXX BUT NO CHANGES WERE MADE. UNDERWRITING EMPHASIZED IT WAS US BANK POLICY TO DETERMINE THE CREDIT LIMIT BASED ON PAYMENT HISTORY AND TOTAL CREDIT, YET MY CREDIT IS VERY GOOD AND MY PAYMENT HISTORY FOR EVERY CARD IS STELLAR, AND EVEN THE COUPLE OF INSTANCES OF LATE PAYMENT ON OTHER ACCOUNTS DID NOT RESULT IN DECREASED LIMITS
Product: Payday loan, title loan, or personal loan

I received a email saying that I owe money to a person with the email XXXX. It said that I took out a loan from a company called speedy cash loan in XXXX but I never did and never heard of this company. I called the company and they said I wasnt in their system and it a scam to get my information. They told me to report it to you
Product: Credit card

I spoke with a Capital One supervisor, XXXX, on XX/XX/XXXX from XXXX on a recorded line about my issue which is : Ever since I had the specific credit card, I have ALWAYS paid on time and NEVER ( to the best of my knowledge ) incurred any late fees or interest. Additionally, my practice has been to ALWAYS pay my balance in full at a Capital One branch. In this particular instance, because I was out of state and in a location where, when I went to find a nearby branch, I got the response on the website, " Looks like there aren't any locations within XXXX miles. Try our digital options or search another location, '' I scheduled a payment in full in advance on the Capital One website for the due date, XX/XX/XXXX. When I got an email XXXX days later stating that my payment was late, I immediately phoned Capital One, explained the situation to XXXX who made the payment over the phone ( conf # XXXX ). Additionally, XXXX, because I did attempt to make the payment timely, reversed the late fee. I assumed that the matter was closed, but it wasn't. I just learned that I have a balance on the account of {$40.00} all of which is interest charged on the alleged late payment amount. There are no other charges on the card other than that interest charge. 

Especially under the circumstances, it is my contention that, if a late fee is to be reversed, the interest associated with the XXXX days for which that alleged late payment was late should also be reversed since they are a " package. '' It makes no rational sense to reverse a late fee with cause then charge interest on that alleged late balance, which was immediately paid when learning the scheduled payment failed to be credited. 

When I spoke with XXXX, he told me that either the late fee or the interest could be reversed but not both. I pointed out that such a situation makes no rational sense since, if a late fee is reversed, any interest associated with the alleged late payment should also be reversed. XXXX told me that he and that no one at Capital One could reverse the interest charge. In answer to my question, he stated that even the Capital One president couldn't reverse the interest charge. He also told me that there is no procedure to escalate my concern to anyone above him. I requested that the recording of my telephone conversation be reviewed by someone above his level and that that person get back to me. He said that would not happen and ultimately hung up. 

I am requesting that the CFPB review the situation including the telephone conversation that, as noted above, was said to be on a recorded line. I believe the entire situation to be in that category of " outrageous. '' In order to avoid further complications, I am going to pay the interest charge today, the cycle 's due date. I trust and hope to resolve it prior to my next billing cycle including a return of the alleged interest charge I am paying. 

Thank you. 

XXXX XXXX
Product: Student loan

Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. 
I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. 
After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. 
I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.
Product: Debt collection

In XX/XX/2023 we moved our home, auto, and umbrella insurance policies from XXXX to XXXX. XX/XX/XXXX, XXXX emailed us regarding our " ... upcoming policy renewal ''. On XX/XX/XXXX, we received an email with the following subject line " Your Auto Policy documents and insurance cards are available on XXXX ''. Because our XXXX policy was to expire XX/XX/2023, our new policy began XX/XX/2023. Despite having a new policy and alerting XXXX to this fact multiple times, including signing and submitting their policy cancellation document, XXXX continues to send letters requesting payment for an expired auto policy. Furthermore, if I understand the communications correctly, on XX/XX/XXXX ( also see attached letter dated XX/XX/XXXX XXXX XXXX fraudulently and without our permission extended the policy to XX/XX/2023. We never agreed to this and would never agree to having a policy with XXXX while we already have a new agent and agency. 

Today, XX/XX/2023, we received a letter from Radius Global Solutions LLC formerly XXXX XXXX XXXX XXXX, a debt collector who is " trying to collect a debt that [ we ] owe to XXXX insurance- Personal Lines. '' We paid XXXX in full for the policies ( home, auto, umbrella ) we had with them and did not renew the policies in 2023. We do not owe XXXX and were astounded that they continue to harass us and utterly shocked that they submitted this fraudulent bill to a collection agency.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX bal {$0.00} ; XXXX XXXX bal. {$18000.00} ; XXXX bal. {$950.00} ; XXXX bal. {$0.00} ; XXXX bal. {$850.00} ; XXXX bal. {$2100.00} XXXX XXXX bal. {$79.00} ; XXXX XXXX bal. {$4500.00} ; XXXX bal. {$250.00} ; XXXX bal. {$0.00} ; XXXX XXXX bal. {$3000.00} ; XXXX bal. {$10000.00} ; XXXX bal XXXX {$3300.00} ; XXXX bal. {$230.00} ; XXXX XXXX bal. {$0.00} ; XXXX bal $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$0.00} ; XXXX bal {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. 

Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX   and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Citigroup XXXX Inc is the parent company of Citifinancial which slandered the title of my real estate property for XXXX years.Citifiancial acknowledges that the disclosure statement and Deed of Trust only has XXXX signature, and not XXXX ; which is a violation of Maryland XXXX. 
Citifinancial placed an illegal lien ( SLANDER OF TITLE XXXX on my property on Febuary XXXX. There are XXXX people XXXX XXXX XXXX and XXXX XXXX XXXX that are on the deed. XXXX XXXX never signed any paperwork for a mortgage or home equity loan XXXX CitiFiancial admits to this fact- see attached documents ) ; therefore a Lien can not be placed on a property, according to Maryland XXXX XXXX XXXX Citifinancial admitted in a correspondence dated XXXX/XXXX/XXXX, that " they made a mistake. '' But, this mistake cost me and my uncle a lot of money because of their " INTENTIONAL MISTAKE. '' We were unable to sell the property, suffered tremendous pain and suffering and extreme financial difficulties. 
On XX/XX/XXXX, Citifinancial took the deed of trust and other documents to XXXX XXXX XXXX for the placement of a lien on my property, total aware of the fact that ALL signature were not present ( CitiFinancial admits to this fact ). This is SLANDER OF TITLEBecause of my Active Duty Status, I am not under Statue of Limitation Laws, because of the Sailors Soldiers and Civil Relief Act.
Product: Debt collection

XXXX XXXX is asking for a payment of {$1700.00} for a class that I canceled on in XXXX of 2019 after noticing that I couldnt do online school my balance was {$49.00} when I asked to cancel but now its on my credit report saying that I owe them that money. I never finished that class and asked them to cancel me. So that I wouldnt be paying every money for something that I couldnt do.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is XXXX financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. 

Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX did not send me a signed contract to prove my signature and validate this debt as my attorney advised me. The credit bureaus also did not provide legal evidence of a contract. Portfolio recovery is also falsely submitting that this was opened on XX/XX/year> which is falsely making creditors think this started XX/XX/year>. Which is considered re-aging the debt. XXXX XXXX has been sued successfully for these tactics.
Product: Credit card

I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.
Product: Checking or savings account

On XX/XX/2019 I paid {$140.00} for a product that I was scammed for, and I submitted a claim with Chase bank. The customer service representative stated that once the transaction was no longer pending and the funds sent through that the transaction would be reversed and I would get my {$140.00} back, which I did about 3 days later. 

On XX/XX/2019 I saw on my statement that my claim had been reversed and Chase took the money back from me. I got no warning, no email and no letter telling me this was going to happen or anything, they simply just took the money, luckily I check my statement monthly. 

I called Chase tonight XX/XX/2019 to see what the transaction meant and they stated they reversed my claim and took the money back because they were unsuccessful with Visa my debit card company. 

I find this is bad business not only not warning me of this claim reversal at all but to refund my money and then take it back a month later. I called and talked to numerous people trying to just appeal the reversal and nobody seemed like they even cared to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief is charging excessive fees for services not completed. Freedom Debt Relief charged {$1300.00} collection fee and only paid out {$50.00} to the XXXX XXXX for settlement. Freedom Debt Relief made a settlement with XXXX XXXX {$8500.00} to {$3800.00} and paid them a total of {$50.00}. Freedom Debt Relief states they are due thec {$1300.00} settlement fee. I terminated Freedom Debt Relief for taking long period of time to resolve my other five debt, which were starting to be charged off. This would start legal proceedings. I believe Freedom Debt Relief are doing fraudulent actions. Freedom Debt Relief are charging extreme fees for doing nothing. I as a consumer trusted Freedom Debt Relief to represent me in a trusting manner, I did not do a XXXX review of Freedom Debt Relief, I would have seen the bad reviews, they had accumulated. 
Freedom Debt Relief stated they will only return {$280.00} out of a total {$1700.00} amount I contributed to them. Freedom Debt Relief only settled one of six of my debts. Freedom Debt Relief states that upon my termination, that settlement is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is being negligent and is reporting a bankruptcy on my report that they are falsely claiming to have verified via XXXX XXXX. I have been in contact with XXXX XXXX various times over the past year, I also spoke with them today, and they have confirmed that NO BANKRUPTCY RECORD EXISTS ON MY CONSUMER FILE. I have submitted various disputes to Experian and in the most recent dispute # XXXX from XX/XX/2022 I have provided my XXXX XXXX report, which has no records of bankruptcy, and I have provided Experian a letter from XXXX XXXX, in which they state that no such report has been found on my consumer file. Nevertheless Experian responded today XX/XX/2022 via their online portal that the bankruptcy was verified. I have attached relevant documents as reference.
Product: Checking or savings account

On Friday, XX/XX/2021, I went to the bank and asked the person at the door could I cash a check with only my license and she said yes. I stayed in line but three of the tellers would not assist me. 

They told me my social security was incorrect and I've banked there for years and recently filed a complaint with the CFPB. I know the tellers knew I was the one who filed a complaint on Bank of America so they wouldn't cash the check that was drawn on their bank. I deposited the check in XXXX XXXX and when I went there it wasn't posted. XXXX XXXX has my account as inactive and they are returning already issued checks against my account. I would like someone else to be responsible for the fees as I can't pay them myself because I am not working.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX
Product: Debt collection

I have carefully checked my recent credit report and found several accounts that I believe to be fraudulent.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and unverified negative account currently listed on my credit report. After reviewing my credit file, I have identified this specific account as erroneous and require immediate resolution.