23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to Equifax XXXX XXXX in writing 4 times to remove or show proof of two items ( not mines ) that is showing negative on my credit report. I have requested in writing to show actual documents signed from these XXXX lendors, and the request is repeatedly being denied or being ignored. Equifax has sent me a letter indicating the outside collection agency XXXX not the original lender ) indicating that they have verified the account. I have ask them to provide to me who they verified the account with, name, and etc, They will not provide original documents from the original XXXX XXXX XXXX, and XXXX XXXX and therefore has ignored and denied to remove such items. By law it is my right to ask for signed documents with my signature from the original creditor, these items has not been provided. I was told that they do not have to provide me XXXX customer service ) with no information. I am requesting to remove XXXX and XXXX as I did not request to initiate services with these to companies. I also advised most of these lendors, ask for information over the phone to initiate services, which information can be breach or hack by someone else that is not me. I am not successful with Equifax to remove these items, or to show signed documents proof.
Product: Debt collection

XXXX - {$51.00} XXXX - {$61.00} XXXX {$790.00} All accounts are paid off an need to be removed Ive called email an written a letter too have removed an nothing keep be reported this is incorrect it needs to be removed asap
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I became aware that my personal and financial information, including my student loan data, had been compromised and accessed without my authorization. This unauthorized access directly violates the Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student records.

As a result of this breach, I no longer feel that I should be held liable for my federal student loans, as my sensitive data was mishandled. I have already contacted FAFSA, XXXX XXXX, and my servicer to report the breach and dispute the loan. However, no satisfactory resolution has been reached. 

I am requesting the discharge, cancellation, or forgiveness of my student loans due to the unlawful access and mishandling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several certified mail disputes regards these closed/Charge off accounts. I have not received a response. I would like this matter to be resolved immediately.
Product: Credit card or prepaid card

We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Debt collection

This company IQ DATA INTERNATIONAL continues to report an account that is past the statute of limitations to collect in the state of Georgia. Remove and stop reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Conns keeps calling me, My wife and I have both told them we need our tv and couch repaired and we will make a payment. they refuse to warranty them
Product: Credit card

I was sold on a TV in a Best Buy store XX/XX/XXXX with fancy language of 0 % for 2 years ( CitiBank card ). The sales associate then went on to cleverly say that **after** 2 years interest would accrue at whatever rate.. Sounds great, right? 

I accepted and signed based on that cleverly worded statement made by the sales associate. Not once did the sales associate say if the balance is not paid within 2 years you will get charged all the back interest ( almost XXXX )! 

Fast forward to XX/XX/XXXX as I am looking at my statements I am blown away by an almost XXXX dollar finance charge. I immediately called CitiBank/Best Buy and was moved up the ladder to XXXX, an Account Manger for CitiBank out of Tennessee. 

According to XXXX, I am out of luck due to it being too far back ( 3 months ) to waive the interest fee even after offering to pay off remaining balance ( {$1800.00} ). 

XXXX also stated that they did include this information in a disclosure sent out but he fails to understand that a *reasonable* person wont really read tiny, confusing, contractual, confusing language especially after being explained the appealing 0 % terms and conditions by the sales associate with an intention to get a sale completely glossing over the back interest aspect. 

Now if the Best Buy sales associate was clear about the terms and said : " Be sure to pay this back within 2 years or you will get charged all the back interest '' I would not be in this financial situation. With ''getting the sale '' as a motivator for the best buy sales associate the back interest aspect likely is easily omitted since I'm sure they didn't want to lose a sale. 

CitiBank should be responsible in the almost predatory-like manner that their credit cards/promotions are sold. XXXX stated to me that Best Buy employees are not very well trained in explaining terms to customers and are not very knowledgeable about terms. 

XXXX did say Best Buy sales persons are very knowledgeable on products and I completely agree because the sales person sold the heck out of that TV. He knew everything like : resolution, XXXX XXXX XXXX placement of TV in space, refresh rate, audio, etc. We chatted for about an hour or so but the employee still failed to mention the kicker of " If you don't pay back in 2 years you will owe XXXX dollars. '' I feel like I was baited and switched financially and taken advantage of and CitiBank/Best Buy should remedy this situation.
Product: Checking or savings account

I tried to cash my check at a check cash place, and it was unable to cash it so I went to my bank to deposit it and once I deposited it cleared after it clear the bank closed at my account and never gave me the money and told me that I need to contact XXXX XXXX to let them know that they Are able to give me my money
Product: Debt collection

This week several times I have gotten calls from Wells Fargo. They are wanting my school loan payment. Which is fine. But they call even after I have made a payment. They call often XXXX a day. 2 of which have no one there on the other line. Its offensive as I have made a payment. I spoke to a nice lady and she said she would file the report that I was getting excessive calls. Then the same hour I get calls. 

But to get calls with no one there on the other line is rude and Im sure illegal. 

I want to be called as a reminder of my payment. But not bullied.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

On XX/XX/XXXX XXXX XXXX XXXX sent me a settlement agreement letter stating that the revolving Visa account in question would be settled and my credit report would be " coded as paid in full for less than full balance ''. I paid the agreed amount of {$5000.00}. They sent me the agreement letter, yet they neglected to code my account as " paid in full for less than full balance '' to the credit major credit bureaus as they promised. I have contacted the creditor XXXX XXXX XXXX several times asking for them to honor their agreement and I spoke with XXXX XXXX who holds the title of Member Solutions Counselor III. XXXX told me to dispute the account through the normal dispute channels for each credit bureau. I did just that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have uploaded and sent the settlement agreement letter to the credit bureaus. When the credit reporting agencies contacted XXXX XXXX XXXX, XXXX stated to them that the reporting was accurate and no changes were made. Currently the status of the account remains " Charge off '' with a balance of {$10000.00}. XXXX refuses to honor their written agreement. I feel XXXX tricked me into paying {$5000.00} and then did not follow through on their written agreement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. 1681 which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the are accounts that I mark as inaccurate XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I use to have an account with bank of america with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to bank of america ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank account.
Product: Student loan

I am with fedloans and somehow 2 of my loans went delinquent even though I am on IBR and my amount is $ 0 monthly ( 2 loans stayed active and 2 went in default ). It resulted in my tax refund getting taken {$6200.00}!! I needed that money for my 2 little kids and we are so behind on bills now. When I found out, I consolidated the loans back to IBR and {$0.00} repayment but they put the entire {$6200.00} on the loan even though it wasnt defaulted anymore and the offset was removed.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Bank account or service

Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?
Product: Debt collection

I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) about Credence Resource Management Solution. They haven't given me the information I asked for and have hurt my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not obstructing records when I sent a copy of 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 Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : {$920.00}
Product: Payday loan, title loan, or personal loan

I applied a 2st draw and a 2nd draw PPP Loan through XXXX XX/XX/21 then they sent my application to my lender which is Benworth and I got approved and funded XX/XX/21 but until now I haven't receive my money yet, I keep contacting them but I can't reach them out because all their contact numbers are disconnected and even their emails are not responding too, I reported this because I don't know where to ask some for help. I am hoping that you'll take a necessary action about my complain..Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX to let them know this account was open by someone else I even send them identity theft document that i report to identitytheft.gov i request document from them and gave them 30 day to reposed and didnt get no document from them