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

My understanding of the credit card act in 2010 is that any payment made above the minimum should be allocated to the highest interest rate on the account. Ive been told by employees that they can allocate my payment however they want. I was also told they allocate my payment to the lower interest rate first. 

My balance is divided into 2 portions, one is purchases being charged at 21-25 %. The other is a balance transfer being charged at 0 %. So in this situation my minimum payment was {$130.00}. I paid over {$2000.00} this was to not only cover the minimum But to cover some purchases. However I was still charged interest and given not only conflicting information but information that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX  XXXX {$580.00} XXXX AR XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate removal of several inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : 1. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ].

2. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
4. Inquiries : [ List any unauthorized or incorrect inquiries ].

5. Repossession : [ Provide details of the repossession, including date and account information ]. 6. Credit Card Issues : [ Detail any issues related to credit card accounts ].

These inaccuracies not only misrepresent my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my credit profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in legal action.

I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have gone on IDENTITY THEFT.GOV Identity Theft Report, and a copy of my credit report showing the fraudulent someone stole my wallet and ID. 

National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, remove debt on my account. 
XXXX XXXX
Product: Vehicle loan or lease

Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status. 
In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score. 
I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix this.
Product: Credit card or prepaid card

Yesterday, I contacted Goldman Sachs regarding an email I was sent with a balance and payment due for a credit card that I never opened, nor have I ever used. It was sent to me in the mail last week. I never applied for this card ( it's a XXXX XXXX XXXX XXXX  ). They put a freeze on the card while they conduct an investigation. Whoever opened the card contacted Goldman Sachs on XX/XX/XXXX to add their phone number to the account. There is an inquiry on my credit report dated XX/XX/2022 for this credit card as well.
Product: Money transfer, virtual currency, or money service

Misleading Debt settlement notice from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX asks the consumer to contact our offices at XXXX within 10 days of receiving this notice. They assume that you have a outstanding credit balance and use the phrase **Failure to Call ** ominously highlighted in the middle of the page as a scare tactic. If you read past the middle of the page, the fine print explains that the example savings of over 40 % is Based on a single consumer situation who completed the entire program ... results from 2011 and that program fees are separate and not included in the example.
Product: Vehicle loan or lease

I had paid off a car with credit acceptance and never got my title besides high interest rates
Product: Credit reporting

I have call XXXX three time to correct the information about Belk. I have XXXX account XXXX of those account that they have is over 7 years since it was report and it the account should have been take out. I could not get the foreign representatives to understand that. The information is on there two long.
Product: Mortgage

Bank of America needs to comprehend and appreciate the complexity of legal matters which have interacted into XXXX, XXXX XXXX XXXX. THIS CFPB Complaint supplements XXXX. USDJ stipulated settlement to BofA was caused or brought about, all or in part, in 2008, when IRS estate tax proceedings were obstacled by a realtor bandwagon, who may have been staging strategies for an estate coup de tat, which was counteracted. SERIOUS HUMAN RIGHTS AND CIVIL RIGHTS VIOLATIONS BECAME INTERTWINED, AS FEDERAL, STATE AND LOCAL GOVERNMENTS, WITH BANK OF AMERICA AND ITS PRODUCTS, BECAME VICTIMS WITH US, XXXX IN NEEDLESS DAMAGES.
Product: Debt collection

The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1692j of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve this matter, the collection agency has failed to provide adequate validation of the debt, and the reported amount does not accurately reflect the original debt, thereby violating my rights under the FDCPA.
Product: Debt collection

Eagle Loan Company of XXXX XXXX contacted me through a Lawyer, stating that I owe a debt from XXXX. I was sentenced to XXXX in XXXX XXXX XXXX and was XXXX from XXXX, but never received anything regarding this outstanding fee. I received a letter from XXXX XXXX XXXX in the XXXX  of XXXX, stating they are pressing charges against me and seeking a garnishment to satisfy this outstanding fee. I went to court, XXXX XXXX XXXX, and was approached by an Eagle Financial representative, to settle before seeing the judge. When the Rep called the office to report our agreement, they were unable to find my case. After going in front of the court with the agreement, I made a successful payment of {$300.00} for the month of XXXX. On XX/XX/XXXX, I was hurt at work and currently fighting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been off of work and not paid since XX/XX/XXXX and cant afford this settlement.
Product: Mortgage

I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX SYXXXX 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card appears twice on my Equifax credir report.
Product: Credit card

Pay pal is issuing credit cards with a revolving line of credit without the consumer submitting an application. I made a purchase and it automatically opened up a PayPal credit account. I called customer service to have them close the account and they said that I filled out an application, which I had not. And, they said that they would close the account but that I would have to submit in writing a request to have the inquiry removed from my credit report. This conversation took place less than an hour from the time I received the email saying " welcome to PayPal credit ''. Almost all of the links on this welcome email direct you to a splashy video on how you can get what you want when you want it. It is very difficult to find where the late payment fees and the annual percentage rate fees are.
Product: Debt collection

this debt was illegally reaged and this debt should not be owed as it was supposed to be sent to insurance and it is the subject of an open litigation case.
Product: Credit reporting or other personal consumer reports

I Just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX This inquiries has no permissible purpose to be o my report. Please remove this inquiries due to violation of 15 USC 1681b.
Product: Mortgage

I have had a mortgage on my house for over 20 years, and have always paid faithfully each month to Chase Bank which succeeded to my mortgage after the XXXX  financial crisis. I have never had an escrow account. I pay my own real estate taxes. I always paid $ XXXX, and my XXXX XXXX XXXX monthly bill was for this amount, {$940.00}. Then all of a sudden, I received a new bill from Chase saying they had reviewed my " escrow account '', which I never had, and increasing the monthly bill to {$1700.00}. They said they were doing this because they were paying my real estate taxes, which I did not know. This past summer, Chase contacted me and said I had missed a real estate tax payment to my Town. I called my town and they said I had not missed any payments and I was current on my real estate taxes. I called Chase several times and spoke with them, so there is a record at Chase for what I am now saying, and they agreed they had made an error, and that I was up to date on my real estate taxes. So what has just happened is a total surprise to me, and I had no notice of what Chase was doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX  from XXXX school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from 750+ to XXXX  - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with TransUnion XXXX XXXX  and XXXX credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - XXXX  XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - Transunion XXXX unable to login to system on multiple days and multiple attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus, experian, XXXX, and XXXX, reporting inaccurate information on report. XXXX XXXX XXXX showing open and XXXX XXXX also showing open, these accounts was closed after CFPB investigation for inaccurate information.
Product: Debt collection

My credit report has listed this company as collection. I've sent XXXX letters to the company in hopes of have this misinformation deleted from my credit report. I asked for proof but all of my requests have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX University  or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Product: Mortgage

Wells Fargo cashed a check in 2017 and didn't credit by home mortgage with XXXX Bank. The check was over XXXX and causing negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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: Checking or savings account

My husband and I had a joint checking account with Chase Bank for over 20 years. 
The account was opened while we lived in the XXXX area. After moving to XXXX XXXX XXXX years ago, we opened new bank accounts with a local bank because Chase did not have branches in XXXX XXXX. We had an automatic monthly life insurance premium deducted from the Chase account and automatic monthly deposits for my husband 's small pensions. We accessed this account infrequently because there was no need to. It was simply easier to leave this account in place than close it and change the automatic deduction/deposits. 

In early XX/XX/XXXX my husband noticed that XXXX separate withdrawals had occurred, XX/XX/XXXX in the amount of {$790.00} and XX/XX/XXXX in the amount of {$1500.00}, neither of which we authorized. My husband contacted Chase to report the theft and was told someone would look into it, and in the meantime, a temporary credit would be issued. A few days later in XX/XX/XXXX while talking again with Chase, my husband was told two additional withdrawals had occurred, {$1.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX. My husband had been told by Chase that amounts taken fraudulently and reported within 60 days would be reimbursed. 

While reviewing our Chase account yesterday, we noticed that {$1.00}, {$790.00}, and {$1500.00} had been reimbursed in our account, but the {$1500.00} taken in XX/XX/XXXX had not. The theft of {$1500.00} had been reported on XX/XX/XXXX, 52 days after it had occurred, within the 60 day window. 

I called Chase XX/XX/XXXX to ask about the un-reimbursed {$1500.00} and, incredibly, was told the 60 day window started with the first theft that occurred in XX/XX/XXXX. That the thief was clever enough to withdraw the unnoticeable amount of {$1.00} and wait another three months before withdrawing fraudulently again, it was, according to Chase, our misfortune that the 60 day window had passed. 

We depend on our bank to safeguard our assets and not simply give our money to anyone who asks. We also expect our bank to reimburse for fraudulent activity when reported promptly. Chase 's 60-day window that starts with the first occurrence is arbitrary and harmful to it's customers. My husband was told that after an incidence of fraud is reported, the bank will neither investigate further fraudulent activity nor reimburse the loss ( es ) resulting from fraud. In other words, a thief who repeatedly accesses an account will simply be allowed to do so at a Chase bank. 

In our case, we were victims twice - the first by the unknown person who accessed our account, and by Chase, who has refused to reimburse us for the {$1500.00} loss.
Product: Debt collection

I have recently reviewed my credit report and I would like to inform you the inaccurate reporting on my credit file. I am requesting under the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681i, that a investigation on this account from Common Wealth Finance for XXXX XXXX XXXX for XXXX this is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date ASSIGNED XX/XX/ Original Amount Owed {$8.00} I asked for a validation of debt letter with my signature showing I have a contract with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name XXXX XXXXXXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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

What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a XXXX XXXX with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And Experian they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!
Product: Mortgage

Mortgage company was notified of failure to pay property taxes on XX/XX/2017. Multiple phone calls were made trying to find out when a check would be cut. XX/XX/2017 was told it would be paid before the XX/XX/XXXX. Called today XX/XX/2017 and was told it was still being researched and would not be done until XX/XX/XXXX. This is the opposite of what I had been told all month long. Now no one will send me an email stating I am not responsible for penalties after XX/XX/XXXX nor will they confirm when property taxes will be paid. I want property taxes paid by XX/XX/XXXX and if not possible I want in writing stating I am not responsible for ANY FEES OR PENALTIES for lack of timely payment. So any FEES OR PENALTIES after XX/XX/XXXX are the mortgage companies to pay. I need my taxes paid now.
Product: Vehicle loan or lease

My mother purchased a vehicle in XXXX and I was the co-signer. My mother is deceased in XXXX and took up payments. 

Ally Financial is reporting incorrect dates of the account Ally reported the account opened XXXX. 
The account opened in XXXX. 

The account is in my mother 's name and needs to be removed.