23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX last year I made a balance transfer on my Elan Financial Services Fidelity Rewards credit card. The amount of this transfer was {$8000.00} plus {$320.00} in fees. The transfer had a promotional interest rate of 0 % APR. 

In XXXX of this year I made purchases on this card. I then made payments to the same card after these purchases posted. 

The statement closong on XX/XX/XXXX shows balance subject to 0 % interest as XXXX and {$4000.00} subject to 18.24 %. The XX/XX/XXXX statement shows {$2500.00} subject to 0 % and {$6900.00} subject to 18.49 %. I was advised that payments I made were applied to the 0 % APR balance rather than the XXXX balance. 

However the correct order of application of payments per Elan is " Payments made up to the minimum payment will be applied to the balance with the lowest Annual Percentage Rate ( APR ) first. Any additional payment amount ( s ) above the minimum payment will be applied in the order of highest to lowest APR balances. '' The minimum payment due XX/XX/XXXX was {$120.00}. After that amount was satisfied, payments should only be applied to purchases balance. 

I specifically asked an agent before making the balance transfer if I would be able to avoid interest and keep the promo rate by paying purchases down immediately and was answered in the affirmative. Before making the payments I double-checked with Elan customer service
Product: Money transfer, virtual currency, or money service

I paid for an XXXX purchase through Escrow.com on XX/XX/XXXX. 

To make the payment the service asked me to connected my XXXX account through XXXX. 

I canceled the order the same day, but the money has not been sent to me. Escrow support says the account in my profile and the account the transaction was made through are different. 

Turns out XXXX uses a " substitutional account number '' for security, meaning they encrypted my account number in time for payment, but I can't see it anywhere. 

Neither the bank nor Escrow can help me.
Product: Credit card or prepaid card

With capital One Bass Pro shop card I have made XXXX consecutive payments that have been posted to the account and each one has been met with a minimum of a XXXX XXXX XXXX day hold. The only reason Im given is because the federal government allows us to do that. When in actuality I have made payments either on time or a little before theyre due I have had XXXX canceled payments and yet I am having to wait XXXX XXXX XXXX  days after payment is made for it to reflect on the card I have already stated that my next step is to call and place a complaint with the department XXXX XXXX department XXXX XXXX in the federal trade commission as to fraudulent activity against a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX XXXX
Product: Credit card or prepaid card

I opened an account with Continental Finance ( XXXX XXXX XXXX ) and received a XXXX credit card. I went to look up my balance and the website is not functional ; the telephone customer service number just hangs up when you call it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue with Experian I sent out a letter explaining that you guys are violating my rights and I also gave a list of all the laws that you were violating against me and the response from Experian was they have verified all the accounts on my credit report and theyre all verified as correct and thats not what my dispute is about, My dispute is the fact that you are violating my rights and its been months and you have yet to remove and delete the accounts that I am requesting I never gave this company my permission to publish any of my personal information, furthermore In accordance with the Fair Credit Reporting Act Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 in accurate.
Product: Credit card or prepaid card

I received a Prepaid American Express Gift Card for {$100.00}. Card # XXXX XXXX XXXX exp XX/XX/XXXX sec code on front XXXX. I didnt use the card. I went online to check the balance to see that it had been used on XX/XX/XXXX at XXXX XXXX for {$100.00}. This was not me. It is an unauthorized fraudulent purchase. I called AMEX on their phone number on the back of the card. Was on hold for 48 minutes to be told that I need to call the place it was used. AMEX has no responsibility. How can AMEX have no responsibility to address fraud? I followed AMEX direction and Called XXXX XXXX at XXXX to be told they couldnt do anything and that I needed to call AMEX the company who issued the gift card. I then called back AMEX. They continued to say they could not help me. This is unacceptable. Banks are required to follow Regulation E for unauthorized transactions and AMEX basically told me they had no responsibility. 

This entire process took me over 3 hours to get nothing resolved as no party will help me. At this point I am out {$100.00}. 

The information on the back of the gift card is the following : Visit AmexGiftCard.com/Balance or call XXXX for balance. Issued by American Express Prepaid Card Management Corporation.
Product: Credit reporting or other personal consumer reports

My husband and I have received inquiries on our credit report that are daily for credit Karma and XXXX. There are concerns of identity theft and we are receiving id monitoring we did not request from XXXXXXXX and credit karma
Product: Checking or savings account

They say the have an excellent service. I don't think so. They put a restriction in my checking acct. I have no idea what happened. This is unfair, how they restrict my money. I'm the only paycheck for my family of 2 kids and wife. I'm crying. I have 2 hours trying to solve it. They have somebody named XXXX or XXXX just transfering to nowhere. Why you pay a person to solve nothing? She is just transfering where they never will answer and solve it. What is going on? Horrible situation. They have millions. Why they want steal or retain my money? Unblock the restriction and give my money back. A compensation of more than {$500.00} for the incovenience sounds good.
Product: Debt collection

Capital One plays games. Attached is latest letter from Capital One regarding two cards. It is frustrating because Capital One continually misunderstands and I am now convinced they do not misunderstand but are playing word games. Capital One accuses me of denying ownership of the accounts. I do not. Capital One then goes further by stating my phone number was used to perform maintenance on the accounts. Yes, BUT and I capitalize BUT, the thieves used another phone to make fraudulent payments and Capital One states they do not have records of the phone used to make these payments. So, Capital One states my phone number was used to perform maintenance but refuses to provide the phone numbers used that made fraudulent payments in 2017. 
FURTHERMORE, thieves stole my card, made fraudulent payments, I filed sheriff 's report, Capital One closed the account, then Capital One charged off the account, AND THEN CAPITAL ONE ACKNOWLEDGES THE FRAUD, REDUCES AMOUNT DUE WHEN I CAN NOT PAY A LUMP SUM! In addition to now playing games, Capital One isn't organized. Card amounts should have been reduced long before canceled, charged off, and then sold to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name, therefore this credit reporting agency has been allowing these debt collectors to report on my credit file without them properly obtaining judgement or proof of verification of judgement, nor submitting a public filing via UCC-1 with the Secretary of State. I have provided plenty of notices/Affidavits with lots of evidence to TRANSUNION but they continue to report accounts that supposedly were verified by alleged creditors when I am IN FACT THE ORIGINAL CREDITOR AND CONSUMER and they're letting my score go down significantly enough to damage me and my reputation. 
TRANSUNION has also not provided me with the remedy I am entitled to for all violations committed. This is my last warning before I proceed to bringing legal action against them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last 4 of XXXX XXXX, Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an account at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX an account at XXXXXXXX XXXX  opened XXXX XX/XX/XXXX XXXX account number XXXX an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened XXXX XX/XX/XXXX under account number XXXX. An auto loan account at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Product: Credit reporting or other personal consumer reports

Did not have any changes on credit from start of using company to end but, maintained a monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to transunion via mail, I sent certified and notarized letters on three different occasions, I sent my fourth round of letters XX/XX/2019. Im requesting that they provide proof of numerous unverified accounts and late payments they are reporting and they continue respond and say its verified but they have failed to provide proof to support their investigation, per FCRA they are required to have signed documents/verifiable proof. I am demanding they conduct a real investigation and not use XXXX.
Product: Debt collection

The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.
Product: Debt collection

I filed a complaint here on CFPB and the company stated my account went into collections in XX/XX/XXXX due to missed payments. I have evidence from the IRS that my XXXX income tax refund was garnished by AAFES in the amount of {$3200.00} via an XXXX dated XX/XX/XXXX with a TOP trace number of XXXX, directed to : Army and Air Force Exchange Service XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AAFES has failed to apply these funds correctly to my account, which has effectively caused me to pay the same debt twice. 

XXXX XXXX, a representative for XXXX called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$3600.00} was said to satisfy both the XXXX XXXX and Take It Home credit cards in full. The agreement was an initial payment of {$200.00} and subsequent payments of {$100.00} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$3700.00} made to XXXX between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. 

Additionally, AAFESs response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. 

Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.
Product: Checking or savings account

On XX/XX/2023 I went into the XXXX XXXX Bank of America Branch to close my checking account. After showing my identification and properly answering the questions to confirm my identity. the bank representative XXXX informed me that I needed to open the BOA mobile app. to continue. I informed him that I was XXXX XXXX XXXX and did not have the mobile app. As I was there in person and properly proved who I was with my identification, I wanted to close my account. I explained that my husband ( co owner ) had passed away and that I was moving from XXXX  to live with my son in XXXX  and the nearest Bank of America branch would be two hours away and it would be inconvenient to continue to bank with Bank of America and thus wanted to close my account. I had {$60.00} on deposit and he refused to close my account and give me the money. Bank of America continues to assess a XXXX XXXX  monthly service fee and has depleted the funds I had on account and the account is about to be overdrawn as a result of their service fees and refusal to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ) and failure to provide monetary relief as mandated by law. My complaint pertains to unauthorized inquiries made on my consumer report, specifically by XXXX XXXX, and TransUnion 's negligent noncompliance with the FCRA. 

On XX/XX/year>, I submitted a dispute letter to TransUnion, requesting the removal of the unauthorized hard inquiry from XXXX XXXX from my consumer report, pursuant to 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ). While TransUnion complied with my request to remove the inquiry, they failed to provide the monetary relief I am entitled to under the FCRA for their negligent noncompliance. 

Despite multiple communications and clear evidence of TransUnion 's violation of my consumer and privacy rights, I have not received a satisfactory response or remediation. TransUnion 's actions constitute a direct violation of the FCRA, including but not limited to 15 U.S. Code 1681b ( a ) ( 2 ) and California Civil Code - CIV 1785.11. 

I demand that TransUnion promptly issue a check to me in the amount of {$3500.00} as compensation for the violations of my consumer rights. Furthermore, I request that TransUnion provide proof of payment and compliance with this demand. 

Failure to acknowledge and respond to this complaint within a reasonable timeframe may  result in further escalation of this matter, including the pursuit of arbitration and involvement of appropriate regulatory authorities to safeguard consumer rights. 

Attached to this complaint are copies of relevant correspondence, including my XXXX  dispute letter to TransUnion and subsequent communication regarding their failure to provide monetary relief.
Product: Mortgage

Rushmore Loan Management Service is involved in unfair business practice. They continue to delay my loan modification application by saying they never received faxed documents that are needed to finish my application. We have enlisted the help of a third party organization called XXXX that specializes in helping homeowner such as myself save their homes from foreclosing. Again, Rushmore stated that they never received the required documentation from XXXX and even suggested that we stop using a third party organization. I have been trying to get a loan modification for the past year. Initially, the loan was with XXXX XXXX XXXX who also was using the delay process so that they could sell the loan. Then in XXXX of 2014 the loan was sold to Rushmore Loan Management Services and from that time until today my application is still incomplete. I strongly believe that Rushmore is intentionally delaying the loan modification process in hopes of foreclosing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXXwhen {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXXwhen {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Product: Mortgage

I keep getting these deceptive letters from Homestead Designation Services asking me to pay money. 

The letter is official looking and they will not stop sending me mail.