23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX. Paid minimum payment on XX/XX/XXXX XXXX. XXXX XX/XX/year> : Apparent turn-on of automatic payment mechanism that attempted to pay for entire balance ( processing date ). No funds were available for this and they are attempting to continue to try and process this, and they cant stop this process per AMEX. They have suspended my accounts until this process ( 3x ) completes, with no hard date established. Fee levied for insufficient funds ; cards turned off. 
XXXX. Keep in mind : this was the extra payment I was not aware was going to be made ; I have met my minimum debt payment obligation from minimum payment made. 

XXXX. Several calls over first week of XXXX ; multiple measures to try and use card. While account was not behind and minimum debt-service obligations were met ( admitted by AMEX ) XXXX policy-holds that they must try three times. Multiple transfers. XXXX cases opened with policies that state they will never follow-up on their own, I must follow up. I call to follow up and they just read the complaint with no deliverable solution or meaningful address. 

Comment to CFPB : While AMEX states it is in contract and policy : I dont know what consumer protections are in place for those who have met the minimum payment obligation ; and AMEX has a lengthy and time-consuming process to reverse confusing and unsure extra auto-debit payment process. Is it appropriate to levy a fee ; and suspend card in this process? Why does AMEX automatically attempt to continue payment process two more times after I gave notice to AMEX that this extra payment wont be able to be processed. 

Requesting : XXXX. The insufficient funds fee was reported as refunded after tireless request. 
XXXX. Part of annual fee is to receive certain credits for payments of vendors. Some of these vendors have bills coming up, and I have to use another card due to this issue; and am thus not receiving adequate consideration for this card. 
XXXX. Use of cards. I am suspended from use of this card and all cards I have with AMEX due to their policies even though I have met my minimum debt service obligations. There should be mechanisms by AMEX to stop auto-processes to make payments go through that are extraneous payments and the consumer has met the minimum payment. Attempts XXXX and XXXX should not be required for me to wait for. Because there are none, I am experiencing the burden of the Annual fee without being able to experience card benefits and use of this card.
Product: Credit reporting or other personal consumer reports

This is bank fraud a scam with XXXX XXXX XXXX  I have discovered at XXXX and now I understand why since I started with XXXX XXXX XXXX XXXX XXXX the tellers have always ask me so I have two accounts and why XXXX XXXX XXXX XXXX XXXX XXXX representative told me she sent an claim packet to XXXX XXXX XXXX  and I were rejected that packet by your general counsel and she laughed it off. My over 20 years of missing XXXX benefits are there clearly a fraudulent underpayment that on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  told me a large sum of money is coming into my account. On XX/XX/XXXX I stop receiving my XXXX checks on the XXXX of the month and only the XXXX and tonight as I checked me account XXXX and stated it has XXXX in my account but that XXXX came in on XX/XX/XXXX this is a bank fraud scam. Where is the XXXX at?
Product: Payday loan, title loan, or personal loan

I got a phone call from a employee to this loan company threaten to take me to court for payments that I am due which are two payments behind. I stated I would make a payment this month, she stated, did you hear what I said, a payment now are I am taking you to court. I am having finical issues due to inflation, I was a victim of being attacked by another loan manager at a nother company and the company is being sued by my attorney XXXX XXXX at XXXX XXXX XXXX XXXX, I am XXXX  by the incident, I am under my XXXX XXXX XXXX XXXX, plus on medication from the incident. This is not my first loan with this company, they just renewed my loan. I have renewed my loan twice with them already, they called me to come in for additional monies. There is a lot of turnover, in this company, employee wearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in knowing what's going on with your business, and she also stated they do not consolidate, because I explained to them a company I have been dealing with for sometime is willing to consolidate my loans into one payment to help me with this finical crisis. My mom is in XXXX XXXX XXXX, and living in her last stages of life. I don't need this foolishness from these employees who are unprofessional and so rude I will not be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

account on XX/XX/2019 the account was late but spoke with company and they accepted a pardon and sent me a letter and everything. I Sent this letter to the credit bureaus but they are not willing to remove the negative information from my report, only one did XXXX Experian and XXXX  did not even after I sent them proof of this please help thank you.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXX/XX/XXXX
Product: Credit card

I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.
Product: Debt collection

I've already contacted the dealership and bank months back of the return of the vehicle to XXXX XXXX. It has been returned. Bank said they will have it repo. I vulonarly surrendered it. They accepted it and said it would be auctioned off. I told them I don't have a job to support the monthly payment so I surrender the vehicle already.
Product: Vehicle loan or lease

I bought a new suv and XXXX XXXX XXXX which they failed to disclose they stopped reporting years ago an the company they have my loan with which they own PFS has been licensed in the state of Florida. XXXX XXXX has been sued before for fraud and I am filing federal charges for fraud as well. 
This company is frauding hundreds of consumers from coast to coast knowing they dont have to report but not disclosing that during loan signature
Product: Credit reporting or other personal consumer reports

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

XXXX 15 USC 1681B 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

As of XXXX, my employment with XXXX XXXX XXXX XXXX XXXX was certified as eligible employment for PSLF by FSA and documentation was given to me by XXXX, which I have attached below. 

Now that I have been switched to MOHELA, the servicer has informed me my job was not recertified ( XXXX XXXX unfortunately closed, and I imagine that is causing the confusion ), and that I have no recourse to prove that it was certified prior. If they refuse to assist me, or approve the recertification of my employment, then I will lose five years of my payments under PSLF. 

My job was XXXX  was also for a XXXX, which they denied. I have uploaded XXXX letters stating they are a XXXX and they simply marked the document as a " Duplicate. '' The letter was from a completely different diocese for a different employer. 

I have uploaded the completed and signed PSLF form to MOHELA several times, I have uploaded tax letters solidifying both XXXX XXXX XXXX  status, and MOHELA still states my job is not recertified when it had been prior. 

Every time I call them, they make me wait at least an hour and then provide little to no assistance in the matter. They refuse to tell me who I should contact to ensure my job is recertified as it was prior. 
It is obvious they will do anything to ensure I am denied PSLF and that my loans are forgiven as stated according to stipulations of the PSLF program. 

I have uploaded the XXXX tax exempt letters to my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my personal information in the Equifax data breach. I recently discovered that my sensitive information was compromised, and as a result, fraudulent accounts were opened in my name without my knowledge or consent. 

I initiated a credit search as part of my preparation for purchasing a house, and to my dismay, I uncovered several unauthorized accounts that were falsely attributed to me. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX Account XXXX : {$400.00} ( Date : XXXX ) Account XXXX : {$830.00} ( Date : XXXX ) XXXX XXXX XXXX Account XXXX : {$1100.00} ( Date : XXXX ) Account XXXX : {$2000.00} ( Date : XXXX ) XXXX Account XXXX : {$1900.00} ( Date : XXXX ) Account XXXX : {$7400.00} ( Date : XXXX ) It is crucial to note that I was entirely unaware of the existence of these accounts, as I had not initiated any financial transactions with the mentioned institutions. The discovery of these unauthorized accounts has not only jeopardized my financial standing but has also raised serious concerns about the security of my personal information. 

I am seeking your assistance and intervention in rectifying this matter promptly. I kindly request that the CFPB investigates these fraudulent accounts, facilitates their removal from my credit report, and takes appropriate actions against the perpetrators involved in the Equifax data breach. 

Your prompt attention to this matter is highly appreciated, as it directly impacts my ability to secure a home loan and threatens the overall integrity of my financial profile. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

2.XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit card

Original order XX/XX/XXXX Ordered a bottle of perfume.Some bras a skirt and cargo shorts. When the order came, they had canceled the perfume. They did not send the bras, said they were on back. Order the skirt and cargo shorts didn't fit? I paid {$10.00} to have them returned. I canceled the bras This was on XX/XX/XXXX I reordered the bottle of perfume. The price was XXXX This is the only charge I ever put on XXXX XXXX credit card. Every month they were the first bill on the first of the month that I would attempt to pay. I would give them a payment online. They would give me a confirmation number. Say thank you for your payment confirmation. And then XXXX weeks later, they would send me a notice saying my payment was recharged and what another payment. I've never had this problem with any other bill. They kept doing this over and over. I gave them on XX/XX/XXXX XXXX XXXX paid directly to comitity bank XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I only ever charged {$65.00} on that card. I have more than paid that money enough every month. They would tell me that their payment had been returned. They even had me going to the Post Office to get a money order to send them my payment. I'm done sending them money. My original balance was never XXXX XXXX.My credit limit was XXXX XXXX.My balance was never above XXXX for XXXX bottle of perfume!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my message is I filed a dispute for two unauthorized inquiries that were seen on Transunion. One was " XXXXXXXX XXXX XXXX  XX/XX/2022 '' and the second was " XXXX XXXX XX/XX/2022 ''. I filed a police report, dispute letter, and printed out my driver license plus social security for these inquiries to be removed from my credit report because they are unauthorized. Transunion refuses to remove these two inquiries even though they were unauthorized by me. I know my rights and law. 15 U.S. Code 1679c. There is a Consumer Credit File Rights Under State and Federal Law. I have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute on the XXXX XXXX platform informing XXXX of an inaccuracy on my credit report. XXXX has failed to remove a judgment which was satisfied after multiple cemail inquiries. I have made phone calls at least every other day since XX/XX/XXXX and have taken all possible steps to resolve the matter. The XXXX phone system refused to provide me with an agent or live customer service representative despite repeated requests on the telephonic system The amount of the judgment was over XXXX and it was satisfied. I provided XXXX with copies of the agreement between XXXX XXXX and the satisfaction of judgment. 

The company stated the dispute was logged since XX/XX/XXXX and assigned to an agent but no follow up correspondence. This has caused me great harm because we are trying to get an XXXX loan to begin to recover from the effect of COVID-19 on my business. This is disgraceful.
Product: Credit card

I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.
Product: Credit card

I made a {XXXX  purchase at Jared 's on XX/XX/XXXX, using the Jared Credit Card through Comenity. Set up autopay on XX/XX/XXXX to ensure full payoff of promotional balance prior to promotional balance expiration. 
Made two more purchases : XXXX  on XX/XX/XXXX ; and {$1500.00} on XX/XX/XXXX. 

Knowing that auto pay of XXXX a month was set up to cover balance prior to expiration date, I did not review my statements. I made the assumption that all payments would go to the first purchase, which was the one whose promotional limit would occur first. 

On XXXX XXXX I happened to review my account and noticed that the promotional balance was not paid off, there was still a balance of {XXXX with a promotional period ending XX/XX/XXXX. 

I called and spoke with a customer service representative ; I explained I must have calculated wrong on my auto payments. And asked if I could pay the remaining balance and they would be willing to wave the accrued {$940.00} interest, even though it was 8 days late. He informed me there was nothing they would do, as the statement plainly showed I had that balance due. I asked to speak with the supervisor. 

During the wait I reviewed my statement more fully and realized that they have been splitting my payments between my three different balances. I have made XXXX} in payments towards the card by XXXX XXXX. The supervisor told me that my payments are split between balances, not applied to the oldest first. And I did not pay off my promotional balance by the expiration date. And there was nothing they would do for me. I asked again if I could pay the remaining XXXX} at this time, and they would waive the interest. He said no. They will be charging me {XXXX} in interest, despite the fact that I have paid {XXXX  towards this card, {XXXX} more than the original purchase they will be charging me interest for. 

I feel the practice of splitting my payment among different balances, instead of applying the payments in the order they were accrued is a sneaky practice. I have other cards with revolving promotional purchases, and each payment is applied in full to the balance that is set to expire first. 

By not applying my payments in full to the first amount to expire, it makes setting up auto payment and budgeting nearly impossible. 

I made a XXXX  payment online on XX/XX/XXXX with the intention of paying off this first balance. But it did not give me an option on which balance I want this applied to. So at this time, I am unsure if the first balance is paid off, or if they split my payments between balances again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has lowered my credit score XXXX  times in the past twelve months. No reasons why on my part. Last month I was contacted by XXXX XXXX  that my cyber account and hundreds of others were hacked or comprised but we were being helped and that was did try to affect but not succeed my email accounts. Also, XXXX and myself had a disagreement about raising my XXXX XXXX  in XXXX of this year. However I agreed with them and went on with regular payments. I make my payments and should be upgraded not downloaded!!!!!!!! I have talked to them and every time I do I get down graded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed about a account with XXXX XXXX XXXX over 2 months ago. I informed XXXX  XXXX XXXX this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. XXXX has failed to uphold the law I have attached the police record and my move in sheet from my apartment
Product: Mortgage

I tried to set up bi-weekly mortgage payments in an attempt to make an extra mortgage payment per year. The mortgage company is denying me this option unless I pay a full mortgage payment up front. Please see response below : PennyMac offers a bi-weekly payment service, where the equivalent of 13 payments are made within a 12 month period and to be eligible for this program, you must be paid one month ahead. You can also achieve the same result of having 13 payments applied to your account annually by having automatic monthly payments drafted as opposed to bi-weekly payments and having 1/12th of your monthly payment drafted as a principal curtailment. If you still wish to enroll in the bi-weekly program, please contact our Customer Service Department at ( XXXX ) XXXX for enrollment. '' But the odd thing is they say I can do it using my bank 's bill pay. I am unsure on why they are ok with me doing it on my bank 's site but they do not allow you to set up bi-weekly payments i.e if I pay XXXX 's payment on XX/XX/15 and XXXX I'm actually ahead by half a payment aren't I?
Product: Vehicle loan or lease

Dealer racially discriminated against me, ran my credit again to lower score even tho I was pre approved. Sold me a bad car with a insane interest rate that did not match my credit score because of predatory lending to XXXX XXXX. Car broke down a day after buying and I was stuck on side of highway. Had to send complaint to attorney general who mediated car being fixed but took so long payments were missed and loan went bad because I had to pay out of pocket for things dealer lied and said they did when they did not. Also paid XXXX down was suppose to go to car but later learned dealer lied and this was a fee to do loan, even though loan was submitted before entering dealer. Things were so bad I never even got the car tagged up, dealer also never offered to finance my tags into the deal after robbing me for the only cash I had in down payment money and not putting it toward the loan! Complained to finance company and all the did was request payments and demand car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.