23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I submitted a payment to Citibank in the amount of {$6600.00}. 
The payment should have been applied 100 % to the revolving credit balance that as of XX/XX/XXXX statement had a balance of {$6100.00}. 
Instead of applying the payment to the revolving credit balance with an APR of 21.4 % they incorrectly applied the entire payment to a XXXX XXXX term loan whos original term was 60 month, APR of 8.99 % with a monthly payment of {$410.00} and only had XXXX payments remaining. 
It's now been XXXX months of trying to get Citi to rectify the issue and properly credit my accounts but no one had taken accountability in fixing the problem they created. 
XXXX from the executive office at Citi has been " working '' on my case for a month and half with no proper resolution being presented. My last conversation on XX/XX/XXXX with her just increased my frustration and anger given that her resolution was to give me credit for interest expenses incurred due to their error stemming from the misapplied payment in XXXX. In addition they only credited my revolving credit balance a total of {$5800.00} although I paid them {$6600.00}. To make matters worse, they increased the XXXX XXXX balance by {$8000.00} and extended the term back to XXXX  months. 
I have made a total of {$2500.00} via scheduled payment since XXXX to Citi in addition to the {$6600.00} payment. Out the monthly payments {$410.00} per month should have been applied to the XXXX XXXX term loan meaning that the XXXX XXXX loan balance should have been lowered by atleast {$1600.00}. As of the XX/XX/XXXX statement my loan balance was only reduced by {$920.00}. You don't need to be a math professor to see that this resolution benefits Citi 100 % and steals my hard earn money. I believe that your authority, as the CFPB allows you the right to authorize and to issue investigational subpoenas known as civil investigative demands ( CIDs ) when looking into potential violations of law. I have proof that they have violated consumer laws and affected my accounts and request that you issue a CID and demand, among other things, documents, emails, reports, answers to written questions, and oral testimony from Citi regarding my case. 
I will include attached documents as well and pray that a regional Director, research analyst and examiner review my case and help me resolve this issue. Thank you in advance for your efforts. 
Warm regards, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request corrections to the personal information on my credit report, as it is currently inaccurate. This issue has been causing significant trouble with my credit applications, which is extremely frustrating. Additionally, Ive noticed that the incorrect personal information seems to be leading to the appearance of unknown and inaccurate accounts on my report, further complicating my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to Acceptance XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. 
I have false and inaccurate information on my credit report. Through the credit bureau XXXX  and XXXXI requested that Acceptance XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. 

When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by Acceptance XXXX. My payments were covered through the insurance policy. Which left me with a XXXX  balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. 

Acceptance XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. 

I also contacted XXXX  and XXXX  to inform them that there is fraud and inaccurate information on my credit report. From the creditor, Acceptance XXXX. I requested that this account be removed from my credit report. XXXX  's and XXXX  investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. 

I requested that the method in which XXXX  and XXXX  used to validate the validity of this account, be sent to me in writing. XXXX  or XXXX  never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. 

How could XXXX  or XXXX  verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by XXXX  or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. 

XXXX  has not noted in the comment section of my credit report that I have disputed this account. 

Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance XXXX, that is listed on my credit report. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Please provide me with this information or delete this account from my credit report. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint.
STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone.
Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone.

Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint.

CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore.

"whowasyourfavoritemanager?''managerofwhat..

IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint.

CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint.

Pleaseseethefirstsentenceofmycomplaint.


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

last month i took a look at my credit report last month and i noticed around XXXX negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.
Product: Credit reporting or other personal consumer reports

They sent a a message back same day of my dispute saying it was accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX ( XXXX ) and XXXX ( Experian ), has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/2023 I mailed two checks for {$17.00} and {$50.00} each. However, Chime 's check-issuing institution, which is apparently XXXX XXXX XXXX , submitted the checks in duplicate. I was charged a duplicate check fee by my landlord, XXXX XXXX. 

I paid the duplicate check fee online. I paid the fee right away online with an online payment fee of {$.00}. 

I have requested a rembursement for {$10.00} to cover the cost of the error on the part of Chime 's check issuer. I've gotten some email replied but none actually resolving the issue. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that 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 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 remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX : {$220000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately.
Product: Mortgage

Mortgage was being handled by PHH. It has since been transferred to new processor and the new processor is working with us to correct the problems caused by PHH. 
Two issues : 1. They paid an insurance bill they should not have and then did an analysis of our escrow account and adjusted our escrow balance due based on this analysis. The insurance was paid for one year at the time of closing. This was documented. For some reason they paid another insurance bill. We have no idea where it came from. 
2. They were sending all communications to our old address. This was never authorized. All closing documents indicated the new property address as the address for all correspondence.
Product: Debt collection

I requested the original purchase agreement and was told they couldn't provide it to me.
Product: Debt collection

This

company whic h I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is ob
ligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt or credit management

Contacted Equifax to remove unauthorized hard inquires from my credit report. The representative refused to do so as well as the floor supervisor. I am uaware of the accounts that are on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewed credit report there were 2 30 day late remarks that were previously not removed as already agreed upon by XXXX XXXX  representative. 

I have made several attempts to resolve directly. 

The two 30 day lates are for : XX/XX/XXXX/ XX/XX/XXXX which again were agreed to be resolved by XXXX XXXX   representative on several occasions. 

This action is un responsible and needs to be corrected promptly as it effects consumer 's abilities to borrow. 

Next steps for me will be seeking an attorney to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

WORLD FINANCE CORPORATION FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. WORLD FINANCE AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. WORLD FINANCE CORP FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. WORLD FINANCE CORP HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. WORLD FINANCE CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE 1099C THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.
Product: Checking or savings account

My  XXXX  account was hacked I spoke with  XXXX  and the refunded what they could on their end and emailed.  Letter instructing the bank on how to retrieve my money that was stolen and my financial information was compramised and I filed a dispute with. Huntington bank in the ban k mysteriously and the copy of the email from  XXXX  and the dispute was lost I still retain my copy of both then I had to refile on a different day then I was told after checking on it that only  XXXX  dollars would be refunded even though  XXXX  were stolen and that there was only a  90day windo w from the time it was reported well they never  went 80days ba ck because I went through the bank statements with the banker in my branch and sent them a total as well as phone banking reps I feel like this decision was made with prejudice and I am being discriminated against because the process and procedures were not folles as well as being refused and hung up on once I requested to speak with a compliance  officer  and I have that right several of my rights were violated and this is not faut
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELETED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY PAYMENTS. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IN THE PAYMENT HISTORY FOR EACH ACCOUN IMMEDIATELY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX - XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) I did not authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX ) XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXXn XXXX XXXX. {$120.00} XXXX XXXX )
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Student loan

I have lived abroad since 2007. I have XXXX children and will likely not move back to the US in the foreseeable future. 
Unlike competing loan companies, it was impossible for me to pay Navient via an international bank, either via transfer or by debit card. Later this was changed and they tried to process my information through debit card, but conveniently, " could n't process an international card ''. 
A few years ago, I moved to the XXXX which runs on a transfer based system. Any card that I use for international payment is a credit card, which Navient will not accept. They have indicated that the only way for me to pay is via international transfer, which effectively costs me {$50.00} per transfer in bank fees and exchange rate commissions. I currently owe roughly {$20000.00}, which should take approximately 10 years to pay back. That is over {$6000.00} in banking fees alone and almost a quarter of my total federal loan, not to mention what I have accrued in payment fees for non-payment, which quite honestly, I have lost track of. 
I am fully willing to accept my debts, however, the inability of Navient to accept and process foreign payments has made this an impossibility.