23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I completed a balance transfer with a 12 month 0 % APR XXXX 

I did not have any other balance on the account at the time of the transfer. 

In XX/XX/XXXX, I received a promotion on new purchases - 0 % for 6 months. 

I used the card to pay my taxes. 

Therefore I had a promotional 0 % balance transfer until XXXX  AND a 0 % transaction on the one and only purchase until XX/XX/XXXX I made a payment in mid XXXX, in the exact amount of the expiring 0 % XXXX  balance. This payment was made via a balance transfer from another card, I didn't know the exact date the transaction would post. 

My impression from the CARD act was that the payments post in a way that advantages the consumer, not the financial institution. 

Instead, this payment posted in the most consumer disadvantageous way. It completely paid off my 0 % XX/XX/XXXX balance. Then the excess paid toward some of the XX/XX/XXXX blanace. 

The justification? At the time the payment posted, both balances were 0 %. Since there was no " higher '' interest rate. The payment was applied towards the oldest unpaid transaction, which occurred in XX/XX/XXXX, and the time of my balance transfer. 

Therefore, because a payment posted a few days before the interest rate increased, I now lost the remaining 5 months of 0 % interest AND immediately have a balance accruing interest. 

This seems completely contrary to the spirit of payments posting in a way that advantages the consumer. 

I spoke to a couple of representatives from the financial institution, and while they were somewhat sympathetic, they did not feel they could alter the way the payment posted or revert the 0 % promotion. They simply said the disclosures indicate this is the order payments post when interest rates are equal. I would argue that just because the disclosure states something will be done, it doesn't mean it is lawful to have a policy that can still intentionally disadvantage the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me XXXX XXXX. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an Affidavit of Truth with my Exhibits on XXXX. They never repsonded to my Affidavit with an Affidavit which now puts them in Default. On XXXX I sent them a 2nd Affidavit with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.
Product: Checking or savings account

On XX/XX/2021, I received notice from Ally Bank stating that they are closing out my account due to a business decision under the terms of service on or about XX/XX/2021. As of this date, {$4500.00} was retained within the account. Ally Bank has already issued one check in the amount of {$590.00} on XX/XX/2021, but the remaining {$3900.00} is still being held within the account for no other reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on XX/XX/2022 from { Amex } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

This complaint is being filed against BC Services in regards to the above reference account ( XXXX ) that BC Services INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully requested several times that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the Equifax hack. I do n't yet know how it will involve me. I 'm super stressed about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, on XXXX Currently there is an existing complaint against Attorney General of Texas and Equifax ( both in cahoots to report inaccurate information on my consumer credit file ). Complaints : XXXX and XXXX. 

This complaint is an addition to the existing complaint. 
The XXXX XXXX XXXX Texas ( hereinafter XXXX ) does not have permissible purpose to utilize my consumer report for any reason. XXXX XXXX support does not arise from a credit transaction and as a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 

1. Since XX/XX/XXXX, I have been reporting the inaccuracies and being ignored. The XXXX and Equifax are knowingly reporting against consumer objections that XXXX XXXX  is in the category of a LOAN and that I am some how a CONSUMER in the XXXX XXXX transaction. This is false. I have never received a loan nor received any credit from the State of Texas. 

2. The XXXX XXXX XXXX  Texas does NOT have : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

SEE, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I Don't Understand Why This Account Is Listed As Derogatory On My Credit Report. Servicing Of My Mortgage Changed From Homeward Residential To Ocwen Loan Servicing Without Any Lapse In Payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to XXXX I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX from the agent and I was placed on hold and told " fts '' or the federal government. I believe XXXX is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Product: Mortgage

My late father took out the loan from some company advertised on TV, they then sold it to homepoint financial, who upon my Father 's XXXX refused to honor a policy which would have paid the loan off at his XXXX They sold to freedom mortgage. My late father 's will was lost, I am the only heir, I could not afford to get the house in my name. I submitted all the paperwork they asked for and was told I was a party of interest, then they renegade on that. I got homeowners insurance, submitted the paperwork, they said thank you. Turned around and said I didn't have any got an insurance company that I pay the premium on but they get the money, the last claim I had they kept part of the money. I had to pay out of pocket. and issued the check in my late father 's name. I have been out of work for 7 months due to XXXX and XXXX  and they refuse to issue a forbearance because I am not a person of interest, they have continually given me the run around, they want this house.
Product: Credit card or prepaid card

I tried to make a online payment as I do every month with the same banking information, The system kept telling me a error message. 

I therefore called to Customer Service to initiate a phone payment, Customer Service has advised me that the online payment center it out of service and all payments must be done in the Branch or By Phone. 

In the mean time that I kept trying to make the payments, Wells Fargo had me reported 30 days late with the bureau. 

Thanks
Product: Debt collection

As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on Equifax although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX XXXX XXXX is still reporting on Equifax and XXXX inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both Equifax and XXXX to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with Equifax and XXXX for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested onXX/XX/XXXX a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from XXXX and XX/XX/XXXX it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both Equifax and XXXX with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from Equifax and XXXX   due to it being inaccurate.
Product: Credit card

On XX/XX/year>, I made a payment online with citi.com for my mastercard. It was an electronic transfer payment of {$500.00} directly debited from my personal checking account ( XXXX XXXX ). After making the payment, I received a notice from citi that my payment successfully was processed. I also noticed the deduction of {$500.00} from my personal checking account. However, the next day I tried using my citi card but it was declined. I contacted citi on XX/XX/year> and spoke to the manager ( XXXX ) who said my payment will actually be applied on XX/XX/year> and that's when the payment will be cleared. She also said that this is normal practice by all banks that when a customer makes an online, immediate, wire transfer payment that it will take 7 days to clear. Is this actually true and consistent with all credit card companies? Why didn't citi notify me that my payment will only be applied on XX/XX/year>. This is poor customer service, and these policies need to be clearly disclosed to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is important to note, my loan officer company is   XXXX   XXXX   XXXX  
 XXXX  is a different firm managing my loan payments.
I have received in m id  XX/XX/XXXX  at tached statement "  XXXX  '' from loan officer  XXXX .
In this statement it was clear that my next payment date i s  XX/XX/XXXX  a nd new monthly is  XXXX .
In addition, in that statement, you can see actual payment o n  XX/XX/XXXX   as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX  and it included a check of   XXXX   $ made to me to pay for the surplus i paid.
I was preparing to make my   XX/XX/XXXX  payme nt as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late   XX/XX/XXXX to pay for   XX/XX/XXXX  a nd realized the issue and paid for both  XX/XX/XXXX  and  XX/XX/XXXX . that day spent hours on   XXXX   interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.af ter painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with   XXXX   i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Hello! 

In XXXX 2022, I made several disputes against XXXX XXXX XXXX due to breach of contract. You decided most the cases in my favor except for two. When i inquired about it, the reps could not explain why. The payments that were decided in the sellers favor were parts of the payments that were decided in my favor. I submitted proof of merchant not having license while he was performing the work and the defective half way done work that he did. However you still claimed that i did not provide proof of due credit. I would like for the cases to be reopened. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off in FULL a Victoria secret XXXX XXXX  credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.