23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did a balance transfer on a chase credit card. I still use that card for transactions. I made an over payment to pay off the high apr transactions. The next month I did the same thing provided an over payment to pay off high apr transactions. They applied the overpayment of each transaction to the low apr balance transfer and not to the high apr transaction amount. Thus my balance transfer decreased by the amount of the over payment and they increased and rolled over the amount of my high apr transactions. 
Improperly allocating payment per the credit card act of XXXX. My low apr balance transfer amount decreased by XXXX and not by XXXX which is the minimum payment that should have been allocated to the low apr balance. Now my high balance increased and they explained I cant pay it off with out paying the total balance transfer off first. I called XX/XX/XXXX to rectify the issue. They said they would make a ticket and I would hear back in a week. I did not receive correspondence regarding complaint. I called back XX/XX/XXXX. Found out the failed to submit the ticket. Then proceeded to explain there is no way to pay down the high apr amount and would not provide written disclosure of payment allocation. I cited fair credit card act of XXXX. The still would not provide clear communication on how the payments were allocated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately. I have contacted the company associated with this account, and they have confirmed that the late payments was errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate this account promptly and make the necessary corrections. 

Below is the account in question : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

First, they charged me interest on $XXXX. Then charged me a late fee for this interest. then they wont let me pay the bill since I cut up the card. They wont let me out of a credit card that I 100% paid off. They are a nightmare. I called and told them I want to close this card and I have a new bank account. I gave them the new bank account and told her to use that one as the other is closed due to divorce. She assured me the payment is confirmed and it was from my new bank but she of course used the old one. Now I am paying interest on interest from a late fee and have nothing to show for it. not even a taco from XXXX  XXXX.
Product: Debt collection

Dear MIDLAND CREDIT MANAGEMENT, I am writing in response to a notice I received from your agency dated XX/XX/year>, concerning the alleged debt listed for the amount of {$810.00}. Under the rights granted to me by the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws, I am requesting validation and verification of the debt, as well as the following specific documents : Proof of the Debt : Please provide me with the original creditor 's name, the amount of the original debt, and the full payment history, documenting the amount you claim I owe. 
Authorization to Collect : Confirm that your agency is licensed to collect debts in my state of residence and provide me with your license numbers and Registered Agent. 
Chain of Assignment : I request that you provide me with the documentation evidencing the chain of assignment from the original creditor to your agency, proving the legality of your right to collect this debt from me. 
Copy of the Original Contract : Please provide a copy of any original signed agreement or contract pertaining to this debt, if applicable. 
Please cease all collection activities until the requested information has been provided and validated. If you fail to provide the validations and documentation as requested, I expect you to cease collection attempts and remove this account from my credit report. 
Thank you for your cooperation. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, USAA closed my account for identity theft. The issue is I am the victim. I contacted USAA with an issue with being unable to add my daughter to my account because her social was connected to my old social security number that identity theft occurred on since XX/XX/XXXX. I proved to a new social was needed and was advised to open a new account instead of just updating my social on my original profile. NO ONE from the id theft department contacted me from USAA and apparently reading the reviews online this is done often.
Product: Checking or savings account

In XX/XX/XXXX I authorized a business to debit my account for {$100.00} and in turn they were to provide services to me. The services were never provided me so I called the merchant to get the {$100.00} returned and he did not respond to me. 
I then called Wells Fargo Bank to dispute the charge. I was given provisionary credit and then I received a letter on XX/XX/XXXX that the credit was being taken back and no credit would be given, should I have any questions to call. I called Wells Fargo and was advised that " They lost the case against XXXX because they are a money transfer company and that the transaction was a money transfer. I once again advised that this was not a money transfer and that my debit card was processed by the business and XXXX must have been their Merchant Services company. They kept insisting that it was a money transfer. I asked to speak with a supervisor as I was not satisfied with the information that was being provided and they should also realize that this was not done as a money transfer, " as similar to XXXX XXXX '' as I was told but processed through a merchant services company, I was advised that this was a final decision and there was no where I could go to dispute this transaction.
Product: Credit reporting

In XXXX XXXX, my house was broken into ( in XXXX, CA ), personal information stolen, and my vehicle stolen and totaled. I placed a fraud alert at that time. I had a couple of failed attempts at opening accounts by someone, but nothing further occurred. On XXXX/XXXX/XXXX, I placed another fraud alert because someone tried to open XXXX accounts in my name. I received an email yesterday ( XXXX/XXXX/XXXX ) stating that a new credit card account had been opened with XXXX XXXX XXXX and a new card was being mailed out to an address in XXXX, CA ( an address that has never been mine ). I do n't understand how a new account could be opened when I already have a fraud alert. I tried to file a new credit alert but Equifax and the FTC website both said that I already had fraud alerts in progress and could not file a new one. I was also unable to update the current alerts with updated information because the website is not functional or user friendly. I have already filed a police report for this incident. I also have police reports for the past incidents. I am not sure what to do.
Product: Checking or savings account

My overdraft fees a lot of times come from NavyFed holding my certified deposits for way too long resulting in frequent and unnecessary fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.

They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close. 

Thank you
Product: Checking or savings account

Everytime i overdrafted using oops they would charge me all these extra fees. At one point of time i had {$180.00} worth of overdraft fees and they couldnt tell me where it came from
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Between XXXX | was notified that a collection from SECURITY CREDIT SERVICES was removed from my credit report, almost immediately after, that same collection was added back onto my account, dropping my credit score significantly. This collection was removed because the company violated my rights by report debt to my credit without my permission in the first place. I need this collection removed PERMANENTLY from my account, as it is hindering me from obtaining credit and buying a house. Thank you.
Product: Checking or savings account

I am filing a complaint regarding Truist Bank 's handling of my account closure and the withholding of funds since XX/XX/year>. My business account received a payment from my business partner via wire transfer. However, Truist Bank closed the account, citing various conflicting reasons, including issues with XXXX, large wire transfers, and a potential hold for claims. I have received inconsistent responses from bank representatives, and one agent informed me that my funds would be returned to the sender to " refund other people, '' despite me being the rightful account owner. 

As a XXXX XXXX, I am concerned about discriminatory treatment and the lack of transparency, which has caused severe financial hardship. Despite multiple requests for clarity and action, Truist has not provided a clear or timely resolution, and I believe my rights under federal and state laws are being disregarded.
Product: Credit reporting or other personal consumer reports

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Security is lacking on this bank. My XXXX was transferred due to someone hacking my account within minutes of getting paid. Some guy was able to hack my account ( I dont store any information ) and transferred to his account using his name and no one was notified or flagged.
Product: Mortgage

Mortgage Company XXXX XXXX sold my loan to Green Tree Servicing LLC, Green Tree Servicing LLC was purchased by Ditech is now called Ditech. I have not and did not receive any information regarding this company name change and also have not received any correspondence from Green Tree Serving or Ditech in reference to my Mortgage Loan statement or Balance due since XX/XX/XXXX. I 'm currently in he process of loosing my home due from loss of income XX/XX/XXXX and have been working with Green Tree Servicing LLC since XX/XX/XXXX to resume my mortgage loan obligation since re-employment XX/XX/XXXX. Green Tree has denied me every program advertised to prevent foreclosure. I am currently working with Indiana XXXX XXXX XXXX and very positive this is my last chance to save my home due to working with clinic exploring all prevention possibilities that my own mortgage servicer could not or would not. It has been very difficult communicating with Ditech, there mission is to Foreclose on my home and not work with me now that I am employed and can resume monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response, the company simply stated the dispute is " valid '' and sent s medical bill statement which also provided a zero balance due as well as it stated directly on it, that it is fact not a bill but a statement for my records, however the balance even states {$0.00}.
Product: Credit card

I had a credit card with Captial One that I failed to pay the balance on. I originally defaulted on it XX/XX/XXXX. I made no payments on the account until XX/XX/XXXX. I paid XXXX dollars on a XXXX dollar minimum balance. The account was never brought current. Capital One shows my date of original delinquency to be XX/XX/XXXX when it should be XXXX of XXXX. I have called and spoke to several representatives about this. I was told today that they re-aged my account when I paid the XX/XX/XXXX payment of XXXX dollars. They did not have my permission to do so, nor did we set up any kind of payment plan or agreement. When I asked them why they re-aged the account, I was told that although they could see the payment history they had no notes about why the account was re-aged. I am requesting that they change the date of original delinquency back to XX/XX/XXXX which means it should have fallen off of my credit report last month.
Product: Credit card or prepaid card

Re : XXXX XXXX XXXX XXXX XXXX The bank and XXXX XXXX advertise that one would receive 80,000 points when {$3000.00} is spent during the first three billing cycles after the account is opened and an additional 40,000 points when {$5000.00} is spent during the first twelve billing cycles. I spent over {$5000.00} during the first three billing cycles and received the 80,000 points but not the 40,000 points.

I then contacted the bank inquiring about the lack of posting the additional 40,000 points.

I was informed that 40,000 points was an " anniversary '' award that would be posted after one year had transpired. No where on XXXX XXXX 's or the bank 's website is the term " anniversary '' used.
Product: Debt collection

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY. 

My rights and my privacy have been violated and I demand financial compensation for the needless time and energy expended on disputing inaccurate information on my consumer reports.
Product: Debt collection

Collection Bureau Of Walla Walla was hired by XXXX XXXX Court to recover unpaid fines. My case was accidentally sent to cbww. I made XXXX {$25.00} payments before getting the fine got recalled by the courts. Cbww has only reported XXXX of XXXX payments to XXXX XXXX courts. I was being harnessed, called a dead beat by this group of unprofessional bullies. I 've contacted the owner ( who has been less than apologetic when I proved that I had been correct about telling the collection agency that they were fired by XXXX courts
Product: Checking or savings account

I did a transfer between my Chase accounts for {$6300.00} on XX/XX/25 and Chase will give me no time frame as to when these funds will be available. Please keep in mind this is from one Chase account to another so I can pay bills through my Chase checking account. I have spoke with five employees and only told they have no idea.
Product: Credit card

I started using my Capital One 360 checking to make my payments instead of an external account. Now, I have two payments in " review '' until mid XXXX, making my card unusable. The payments successfully posted from my XXXX checking to the credit card. Capital One will not provide any information or solution to this issue. I have never missed a payment and never exceeded my limit. It seems that Capital One is doing this to many people, especially credit card holders with a rewards card. It is obvious that Capital One is using the " payment in review '' excuse to restrict card usage to avoid paying out cash back rewards to card holders.
Product: Debt collection

Company never contacted me within past three years when alleged debt occurred. I had never received any calls, emails, letters associated with said alleged collection.

When I requested any and all relevant information pertaining to alleged debt, and prior communication I was never provided with any of it ....

I've never heard from anyone pertaining to alleged debt for the past 4 years, not it appeared on my report as collection without any warning. I was never notified of any debt or any attempts to collect said debt.
Product: Credit reporting or other personal consumer reports

Account Number Balance XXXX XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNER ( 15 USC 1681 ) governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ( 15 USC 1681 ( SECTION 604 SECTION 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 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. I REQUEST THAT THIS ACCOUNT UPDATE AS ( PAID/NEVER LATE )
Product: Credit reporting or other personal consumer reports

In order to REMIND the Transunion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that TransUnion BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX XX/XX/2022.