23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.
Product: Credit card

contacted the company on XX/XX/year>24 in regards to needing to update my phone number as the old number on the account does not work. The associate did not help with the process and proceeded to call a number that was not in service and stated there was no way. I am currently locked out of my account after paying the bill and Barclay refusing to allow me to update my phone number.
Product: Mortgage

On XX/XX/XXXX I submitted a partial payment through Mr. Cooper 's website that allows for partial payments before your payment is due. On XX/XX/XXXX I submitted a {$450.00} partial payment to go towards my payment that was due on XX/XX/XXXX. Mr Cooper misapplied this payment and put it towards the additional principal. I called to have this fixed. Mr. Cooper then reversed the payment to additional principal and applied it correctly towards a partial payment. When I went to pay the balance ( before my XX/XX/XXXX due date ), I see they reversed the partial payment and once again applied it to additional principle. I called again, and Mr. Cooper once again fixed the issue. Now on XX/XX/XXXX I go to make the remaining payment and noticed that Mr Cooper once AGAIN reversed the partial payment and applied it to the additional principle. Now I have been on hold XX/XX/XXXX from XXXX and it is now XXXX ( 2 hours with no fix ) so I can pay the remainder of my balance that should be due. They are showing I owe the full months payment and will not apply my partial payment funds correctly.
Product: Credit card or prepaid card

My name is XXXX XXXX and I noticed a fraudulent charge for XXXX XXXX when reviewing my XX/XX/XXXX Citibank credit card statement. The fraudulent charge on XX/XX/XXXX was in the amount of {$280.00}. The charge was made at a XXXX store in XXXX XXXX XXXX. All of my charges from the month of XX/XX/XXXX were in Massachusetts. I did not travel to New York. I immediately called Citibank and let them know about the fraudulent charge and they stated they would have to investigate. Citi bank stated the merchant stated it was an authorized charge. Citibank is insisting i pay for this fraudulent charge and report me to the credit bureau if I didn't. I am disputing it as i was not in the area and made no such charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX SXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I signed up for the Chase XXXX XXXX XXXX Credit Card in XX/XX/XXXX. One of the main marketing points for this card was the free anniversary night that would be rewarded on the one year anniversary of having the card. This free night was advertised that it would be good at any XXXX XXXX worldwide. 

Per their website : After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX XXXX worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account. '' However, on XX/XX/XXXX I received a letter from Chase that the free anniversary night would be limited to properties under XXXX XXXX reward points starting XX/XX/XXXX. This has effectively removed over 300 properties from the program and made more hotel suspect to elimination from the program as XXXX has devalued their points/ increase rates at their hotels twice in the last year. 

I feel that Chase and XXXX have been fraudulent in their marketing practices to drive new signs ups for this card. They advertised an unrestricted free night after the first year and are now not delivering promised benefits to card holders that have signed up in the last year. I feel like they should be held accountable for this bait and switch tacit that has surely driven thousands of people to sign up for this card.
Product: Debt collection

The collection agency keeps reporting a XXXX account as mine after I filed a police report and affidavit and faxed all information to them. It added this account twice and now my credit has went down
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a credit card opened up in my name that i never gave     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     the permission to issue me any kind of credit i am looking for this company to get rid of this account off my credit reports asap because it is affecting them in a bad way.
Product: Bank account or service

XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have satisfied the account with the following company for the XXXX XXXX XXXX XXXX  and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO LOAN FROM XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT : XXXX XXXX BANKRUPTCY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was directly affected by Hurricane Harvey and was not able to work. I contacted the bank to make payment arrangements on this account, which the bank accepted. I was told that since I had made payment arrangements that no lates would be reporting on my credit report. Unfortunately, the bank did not honor our agreement. The account balance reporting also is incorrect. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Consumer Loan

SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 inaccurate.
Product: Checking or savings account

My card was used to make a purchase of {$3100.00} fraudulently on XXXX XXXX XXXX XXXX. I was completely shocked at the time being, and I tried to resolve this with my bank ( Wells Fargo ) and they were completely unhelpful and ended up denying my claim. I am at a complete loss here and just want my money back, but as uncooperative as Wells Fargo is, I find that, that won't be an option for me if I continue trying to resolve this underlying issue with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a statement from Citi stating that I had previously enrolled in Credit Protection, for which I was charged a monthly fee. The letter then states that if I believe I was enrolled without my consent or knowledge of the program costs or benefits, I may go to their website and submit a claim for a " potential refund, '' but the refund is not guaranteed.
I am completely unaware of having signed up for any such program. I did go to the website and submit a claim, but this seems fraudulent and unethical to be able to enroll me and charge a fee for something in which I have no knowledge and did not provide consent for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion, XXXX, and XXXX for their failure to correct inaccurate information on my credit report, despite my repeated attempts to resolve the issue. Although these credit reporting agencies closed my previous complaint, the inaccuracies still persist on my credit file and continue to negatively impact my credit score. 

On XX/XX/year>, I filed a dispute requesting a re-investigation of the incorrect information appearing on my credit report. However, the dispute was closed without any meaningful resolution, and the incorrect data remains. I have made several efforts to work with the credit bureaus and the relevant creditors to rectify the situation, but these attempts have proven unsuccessful. 

The ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus have failed to properly reinvestigate the disputed items, leaving erroneous information on my credit report. Under the FCRA, these agencies are required to ensure that reported information is accurate and complete, correcting any discrepancies once notified. Their failure to investigate and resolve these errors is a breach of this responsibility. 

FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are required to ensure the accuracy of the information reported. Despite my dispute, the incorrect data has not been corrected, suggesting that reasonable procedures to verify its accuracy were not followed. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The credit bureaus did not initiate a thorough re-investigation of the disputed information after I filed my complaint. This failure to take appropriate action is a direct violation of my rights under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold TransUnion, XXXX, and XXXX accountable for their failure to comply with the FCRA. I ask that they be directed to correct the inaccuracies on my credit report as soon as possible.
Product: Vehicle loan or lease

I am writing to address a deeply concerning and inappropriate incident that occurred in relation to my car purchase at XXXX XXXX in XXXX, Ga dealership. My intention is to bring to your attention the unprofessional and deceptive conduct I experienced, which I believe reflects poorly on your establishment 's values and practices. 

As a recap, I visited your dealership with specific requirements for my vehicle purchase, including a maximum APR threshold and the inclusion of full Gap coverage. Regrettably, these requirements were not upheld, and I was left deeply dissatisfied with my experience. Exeter Finance is the company that they financed me through but told me I had a lower APR and gap coverage but after 3 months I found out it was all a lie. 

However, what transpired afterward has left me both shocked and disappointed. After 2 months an individual from XXXX XXXX XXXX drove a considerable distance of two hours, in the middle of the night, to surreptitiously place the necessary paperwork from Exeter Finance in my car. While I acknowledge the effort made to rectify the situation, this action raises serious concerns about the transparency, honesty, and ethical standards of your dealership.
Product: Payday loan, title loan, or personal loan

This lender is involved in predatory lending. They pray on customers who are hard on their luck maybe in financial straights to impose High fees and absorbent interest. I was the victim of this practice. In XXXX I entered into a loan for the dollar amount of {$3200.00}. Over the course of this loan I paid them {$4200.00} was informed in XXXX of XXXX that I still had a balance of {$1400.00}. I had already paid them and amount of {$1000.00} over the original loan amount and still was being asked for an additional {$1400.00}. That additional {$1400.00} would have taken my payment into the amount of {$2400.00} on a {$3200.00} loan which is almost 80 % of the original loan. At this time and since an angered of this practice I stopped paying in XXXX. Loans remain on my credit report and was told today that it will remain on the credit report for another 2 years. As a consumer I believe this practice of absorbent predatory loans is outrageous and the fact that this company continues to be in business with this type of practice is a Injustice to all past and present and future consumers. Being down on your luck unemployed and facing a financial burden should not allow for this type of company to take advantage. I knew that there would be some fees and a percentage rate but I had no idea that I would be paying almost 80 % of the original loan
Product: Payday loan, title loan, personal loan, or advance loan

This is a fraud account I didnt authorize Ive tried reaching out to the company plenty of times in accordance with 1629 ( e ) of debt collection practices act which clearly states that any account information known to false, can not be reported to any credit bureau I request information be immediately deleted this information is harming me of having a place to stay and live because of my credit score. Also I was able to pull my identity XXXX XXXX  and See that my information is not accurate the account says on my XXXX and XXXX The time of account open is different Account name : SELF LEAD FINANCIAL ACCOUNT NUMBER : XXXX
Product: Student loan

XXXX XXXX I filed a 1099 C with the IRS ( cancellation of debt ) in regards of my student loans ( which is now under a new company ) I received my Copy B from the IRS. I uploaded the legal documents in my Nelnet account under documents, called into the XXXX XXXX Department, spoke to customer service which then was acknowledge that those legal documents was seen and uploaded to the correct file. I then proceed to ask to record the current phone call and to send in a ticket which a ticket number was then produced. Under the Securities Exchange Act of 1933 I have the right and duty to lawfully discharge all debt ( s ). Under Nelnets XXXX current filings, their Commissions file number XXXX Nelnet, Inc ( the exact name of the specified in its charter ) XXXX irs employer identification number. 
I also am currently receiving statements for payments which Under UCC 3-603/ 3-604- I have proper endorsed the bond and sent it to the proper address and addressed to the Indenture trustee and the Trustee which is also located on Nelnets XXXX and XXXX filings on the SEC website. ( with my proper endorsement and signature on this bond this is now turned into an securities and is currently being traded onto the secondary market.
Product: Credit card or prepaid card

This is my 3rd CFPB complaint after no resolution in speaking with American Express. 

I signed up for a Delta Skymiles card. XXXX miles with XXXX spend in the first 3 months. 

They say I'm not eligible but won't tell me why. I've never had this product before, never been rewarded, etc. but they continue to say that I'm not eligible without looking into the REASON!! 

I paid the annual fee. I met the spend requirements. I AM ELIGIBLE FOR THE WELCOME BONUS for the Delta SkyMiles product. 

Please respond with the answer as to why I'm not eligible. I'll continue to submit complaints until a human being responds with an answer that makes sense. 

Sincerely - XXXX XXXX
Product: Checking or savings account

Hello, I would like to file a complaint against Juno ( XXXX XXXX ) for misleading and false advertisement. I deposited over XXXX into Juno ( XXXX XXXX XXXX because they claimed the funds were protected by the FDIC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX whom they were receiving banking services. Since XX/XX/year> I have not been able to withdraw my funds from Juno ( XXXX XXXX ). I have sent various request and no luck. Juno is responsible for the funds I gave them because they assured me multiple times that my money was safe. Please kindly help me get my XXXXXXXX XXXX back. Thank you!
Product: Mortgage

Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX  on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.