23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized 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 XXXXXX/XX/XXXX
Product: Debt collection

This account I c systems ( 11 attached XXXX XXXX ) on my credit record!!! has been transferred to a lot of differnt lenders!! It always shows different dates on my credit report when it's an old account because they keep transferring it to different lenders so the dates r always showing recent from this account!! when there actually from years ago!! Dates are not accurate it's an old account!! information is inaccurate!! Disputed it many times with XXXX XXXX to no avail!! This account has been removed from XXXX as of this month!!! It needs to be removed from XXXX XXXX as well!!!
Product: Credit card or prepaid card

Someone had opened a credit card in my name without my knowledge the card is from fortiva
Product: Credit card or prepaid card

I currently have a Synchrony Care Credit Mastercard. I utilize this a lot to pay for my dogs veterinarian bills and since my charges are pretty high, I take advantage of the 6 months no interest promotions. I am having an issue with how my payments are being allocated to my balance. I have a mix of charges at the XXXX interest rate, as well as the standard rate. When I received my statement for XXXX, I noticed that XXXX large payments I made, XXXX for {$700.00} and XXXX for {$1500.00} did not get applied to promotional balances that expire on XX/XX/23. I reviewed my statement for how payments are applied, and there was no mention of that specifically, but it did say I could call to have my payment allocation changed. So, on XX/XX/23 I call and the representative was very nice and said he would take care of adjusting the allocation and that it may take up to 72 hours. No mention that they actually would not be able to help me with that. On XX/XX/23, I received a letter from Synchrony stating that due to federal regulation they can not adjust my allocation unless it is in the last two billing cycles before expiration ( my payments would have been the third one prior to expiration ). Having worked in compliance and audit for financial institutions, I thought that this did not sound quite right to me. I pulled up 12 CFR Part 1026.53, Allocation of Payments, to see exactly what the regulation says. While it does mention the two billing cycle exception, it is also acceptable to change the allocation at consumer request. I understand the regulation does not require the issuer to honor this exception, but in not honoring it, there is a high probability that I will be paying more interest in the end since my payments will never be applied to my promotional balances ( depending on my purchases under the standard rate ) and I will end up paying the accrued interest. This just screams UDAAP violation to me.

I understand the intention of this regulation is for the higher interest balances to be paid off first, which I support, but in the situation of the XXXX interest promotions, I should get to choose how I want my payments applied. In fact, I assumed this was standard, as I am able to go online to my XXXX XXXX Credit Card and specify which promotional balance I would like the excess of my minimum payment to go to. 

My other issue is, in reading the payment disclosures on my statement and in my cardholder agreement, no where ( that I can find ) does it state how payments are applied to promotional balances. Even the phone rep I talked to did not explain the policy to me. Had I known about the exception for the XXXX billing cycles prior, I would have saved my XXXX larger payments in XXXX for XXXX when the exception would be in effect.
Product: Debt collection

Credit Management continues to attempt to collect a debt I do not owe for cable services. My cable bill is current and I owe no monies of any kind to XXXX.
Product: Vehicle loan or lease

the loan amount was not was we agreed on, the bank still owes a credit for the overpayment.
Product: Credit card or prepaid card

I signed up for an American Express Platinum Delta SkyMiles card. 

The offer on the card was the following " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. A {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership ''. 

I completed the spend requirement in the required time period. I never received the {$70000.00} bonus miles, XXXX MQM Miles or the {$100.00} statement credit after purchase. 

I contacted AMEX ( 4 ) four times with no resolution. I first contacted them on XX/XX/XXXX. I then contacted them again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, AMEX told me there " is a know issue and there is a delay in posting of the miles on your account ''. They told me I should wait an additional time period. I believe that contacting AMEX ( 4 ) four times and waiting at least 5 months is more than enough time for AMEX to have resolved this issues.
Product: Student loan

Issue is with XXXX XXXX XXXX I am trying to get my last two ( 2 ) loans a ) out of default and b ) paid off. 

The website shows i owe nothing. The automated phone line says I owe nothing. I paid off a loan with them this year and it has not been reported as paid with the credit bureaus. 


I contacted the Dept of Ed Rehabilitation Group who says my loans qualify for rehab because they have only defaulted 1x. However, XXXX XXXX says they were transferring in XXXX of 2016 and Dept of Ed did not accept yet. 

Dept of Ed says XXXX XXXX did not send it to them and they need to re-submit it because there is nothing for them to address. 

I have spent hours on the phone trying to find a person with XXXX XXXX to resubmit it to the Dept of Ed so I can  have this cleared up. I have no physical documentation of the loans or my status because online shows nothing. 

Please help me get it transferred to the Dept of Ed so I can get this rehabilitated and removed from my credit.
Product: Debt collection

My fiance and I applied for an apartment at   XXXX   XXXX    XXXX   XXXX   XXXX , TX back in  XXXX    XXXX  . He was there for about three months when he was asked to leave. The apartment agreed to take partial rent payments in order for him to catch up because he was an out of the state  XXXX  living in  XXXX  on his own. He was in the process of getting his income in order to to give full payment of rent when he was evicted from his residence. The office also informed him that the it would not show up on his credit report. He had less than a week to move out. He had to stay from hotel to hotel until he was able to find a permanent residence.     The amount of {$2700.00} has shown up on both of our credit reports. I feel as if this is in unfair that the office agreed to help him catch up with rent and also told him that they would not report this on our credit reports and they did.     He was not the only person that was affected by this. Many people in the apartment complex were evicted from their homes and were kicked out o n the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I PAID THIS ITEM THAT WAS IN COLLECTION, I PREVIOUSLY SPOKE TO THE COLLECTION AGENCY AND HAVE EXPRESSED DOUBTS THAT I OWE THIS AMOUNT OF MONEY FOR A PHONE I PREVIOUSLY HAD. DURING THIS TIME, MY GRANDMOTHER AND GRANDFATHER WHO RAISED ME DIED IN XXXX AND XXXX RESPECTIVELY. ALSO MY AUNT DIED THIS YEAR IN XXXX, WHO I LIVED WITH AND EARNED INCOME FROM PROVIDING HER CARE. THE AGENT FROM THIS COMPANY TOLD ME SHE WOULD SEND CONFIRMATION OF THE BILL, HOWEVER I NEVER RECEIVED IT. WHEN I CALLED THEM ON XX/XX/XXXX TO PAY IT, THEY WERE RUDE AND NASTY AND SAID THEY PUT IT ON MY CREDIT REPORT ON THAT DAY. I ASKED THEMSINCE IM PAYING IT THIS DAY WHY WOULD THEY PUT IT ON AND THEY STATED THAT THEY COULD THOUGH I NEVER WAS GIVEN A CHANCE TO DISPUTE THIS ITEM
Product: Debt collection

Called office line on XXXX/XXXX/XXXX from XXXX - XXXX. Inquiry regarding to a closed Credit Card from XXXX. We asked company to send the notice in writing, continually called and harassed office staff. Profane language and repeated calls.
Product: Checking or savings account

Since my last complaint to the CFPB I had spoken to the fraud department at Capital One 360. Once on XXXX I was on hold for well over an hour and she kept telling me she was going to get to the bottom of my account being restricted and not being able to use my debit card or withdraw funds from my account. She then got back on the phone and said there was a mistake on Capital Ones part, and she lifted the restriction and promised me that it would never happen again. She then said I need to get you over to the customer service center and have them reissue you a new debit card. Once I was transferred to the customer service department the agent said I will reissue you a new debit card with expedited shipping and you should get it in three days. Once I woke up the next day and called Capital One 360 again to inquire about when I would be receiving my new debit card, they advised me that the restriction was back on my account, and I wouldn't be receiving a new debit card to access the funds in my checking account. Then I called the fraud department once again and kept getting the same excuse that the restriction wouldn't be lifted. Then I made one more attempt and called the fraud department. This woman representative told me to hang on for a while and she was going to get to the bottom of the situation. She then said Capital One 360 had everything all disorganized and notes about my account all messed up that it was pathetic. She then lifted the restriction once again and she told me the same thing. That this would never happen again. Also, she stated that I should be receiving a new debit card in the mail. Now once again I woke up the next day on XX/XX/year> and looked at my checking account and the restriction was put back on my account. I have direct deposits that go into that account which holds me exempt. This company needs to be stopped. I have read hundreds of online articles that distinctly say to stay away from Capital One 360 checking accounts at all costs because they are ripping people off constantly and keeping money that doesn't belong to them to take. They are keeping my money from me to pay all my bills with, and this could cost me to starve to death and lose my home for my son and myself. If I had known about their deceptive and illegal ways, I would have never banked with them in the first place
Product: Debt collection

A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX, Account # XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Department of Education and Nelnet have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the XXXX credit bureaus : XXXX, XXXX, and XXXX. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
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 Account # unknown has violated my rights XXXX XXXX XXXX # unknown has violated my rights XXXX XXXX XXXX XXXX, Account # unknown has violated my rights XXXX XXXX, Account # unknown has violated my rights Inquiries : XXXX  XXXX XXXX  has violated my rights XXXX XXXX  ( listed 2 times ) has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  XXXX has violated my rights XXXX  XXXX 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 : 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 many 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: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the reporting of a 30-day-late payment to the credit bureaus by XXXX XXXX XXXX. This is in relation to an auto loan for which I am the co-signor. The auto loan is my dad 's - it is for his car and he makes all of the payments ( $ XXXX ). 

Something happened where my dad 's payment ( XX/XX/XXXX ) got returned, he didn't realize it, and so he became overdue past 30 days for the month and it was reported to the Credit Bureaus. It was at this point I became aware there was an issue because my credit score took a sharp dip. I was never contacted about the late payment before it was reported. I got in-touch with XXXX/my dad and we got it all worked out immediately. The account was brought back to current within the next pay period ( XX/XX/XXXX ). 

With the account current, I explained the situation to XXXX and asked them to remove the reported missed payment ( just for ME ) but they refused. They said that they do not do courtesy removals per policy. I tried disputing with TransUnion but they told me there's nothing they can do if the creditor refuses to remove the item. 

I am looking to shop for a mortgage soon and so repairing my credit is paramount. This late payment reported by XXXX is the single negative mark on my credit record but has caused a significant drop in my score. I just can't believe I am getting stuck with a detrimental " missed payment '' on my record when I was never contacted about a payment being late prior to it being reported ( on an account that's not even my own, no less ).
Product: Debt collection

This account is not mines i didn't not authorize anyone to sign me up for this account this account is a result of identity thief and i need this account to be remove ASAP is this doesn't get resolved then i have to use legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX - XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishes accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected nor removed disputed item despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law of my right as a consumer.
Product: Debt collection

I was surprised to receive a medical bill from XXXX XXXX XXXX XXXX for {$170.00}. The bill says my son took a XXXX test on XX/XX/20 and over two-years later, I received this bill. My son was attending college in XXXX XXXX at the time and travel was restricted so I assume he may have taken a XXXX test nearby his college. The XXXX XXXX  billing address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX. We pay our bills every two weeks so my issues are : 1. I may have already paid this bill and I don't retain medical billing statements for two-years. 
2. Considering it took XXXX XXXX XXXX over two-years to send me a bill, I do not trust its record keeping and this bill could have been sent to me in error. 
3. I researched a California law that says a medical provider must send out bills within 12-months. 
XXXX XXXX XXXX transferred this bill to XXXX XXXX XXXX and threaten to ruin my son 's credit. So I will pay this bill under duress. But, if my reasoning is correct, I would want a full refund. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX  Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called the creditor ( XXXX XXXXXXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX