23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Hello, Inadvertently this complaint  (   XXXX  ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter.     They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over  XXXX  per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps.     My loan was    XXXX   XXXX   XXXX    but in   XXXX   XXXX   I requested a payment date change to the  XXXX  each month. I have paid my loan consistently with also receiving   XXXX   extensions but paid my loan each time NEVER LATE. In   XXXX   XXXX   I split my payment & STILL PAID within 30 days ... never late.     I clearly explained I would be paying my loan for the next couple of months past the  XXXX  but never later than 30 days.     I was told that was  XXXX  & I would receive " A '' call as a reminder. But I received  XXXX  calls plus per day for  XXXX  plus days. THIS IS HARRASSMENT.     Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the  XXXX  per call as settlement.     Thank you.
Product: Credit card or prepaid card

I have a Florida Unemployment Debit Card where funds were deposited during my XXXX   period which ended on XX/XX/XXXX. I have a balance of over {$3000.00}. on the account. The company managing the card is www.eppicard.com. 
The card is good through XX/XX/XXXX. It has not expired. 

As of XX/XX/XXXX I am no longer able to use the card for ATM withdrawal, food purchases at XXXX, or any purchases online. I can no longer access my card balance and information online. I receive an error code telling me there is a Fraud Alert on the card. The company cant fix the problem!
Product: Checking or savings account

This is a second complaint to the initial one submitted in XX/XX/2019. BofA called me to tell they would not be refunding me the XXXX because the fee is disclosed in the terms and conditions. I told them it's DECEPTIVE TO DISCLOSE A FEE OF {$1.00} AND THEN CHARGE ME {$3.00}. Apparently they think we all have time to review the terms and condition to try to find the accurate fee of {$3.00} when the screen says {$1.00}. I want my {$2.00} or will file a class action suit on behalf of all the customers that have lost {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX  customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.
Product: Checking or savings account

On XX/XX/18 at XXXX XXXX, I deposited {$180.00} cash into the ATM machine outside of Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA. My checking account is with Chase Bank as well. The machine verified the amount as {$180.00} then asked if I wanted to do more, I hit the Deposit More button because I still had more funds to deposit ... At that time, the ATM screen said " We're having some trouble, please check the receipt and call the phone number listed to be sure your deposit went through. '' The receipt, which I still have, printed, saying to Please call us at XXXX. The AID # was XXXX, Term ID XXXX, Sequence # XXXX. Immediately after this transaction I entered the branch of my bank, where my checking account is located- Chase. I was briskly told that there was nothing that they could do and I just needed to call the number. There was no further assistance offered even after I pushed for more help in getting my money back. So, I called the number listed on the receipt and was grudgingly given a credit of the missing {$180.00} TEMPORARILY credited to my account which can now be taken away at any time until XX/XX/XXXX, 45 days from now, when the " investigation '' deadline will be completed. I feel as though Chase bank reached into my purse and took {$180.00} away from me and is now asking me to prove it. This is unacceptable. I was told they can't send someone out " right away '' to check the ATM balance so I will possibly not know if I get my money will be randomly taken back from me until XX/XX/XXXX of next year. This means that now I don't know if my rent check will bounce or not. This is placing me into a position of extreme stress at the worst possible time. One other scenario that could occur, is the machine could have spit my money back out after I had already walked into the branch to ask for help, so I can not rest assured that the machine will show a count in money that is incorrect. I can not, as of now, not be sure that someone else did not receive my money. It is the job of Chase bank to be 100 % sure that the money that I deposit to them goes to MY ACCOUNT and is not either lost in the machine or spit back out for someone else to take. This is why I demand that the cameras be checked for the ATM that day. It is unacceptable that I could lose my {$180.00} because of machine error. It is unacceptable that Chase bank can not resolve this problem more quickly. It is unacceptable that there is even a chance that I may now lose my money because of a technological error that Chase bank does not care to fully investigate by looking at camera footage. It is unacceptable that my money was taken from me and now due to Chase ATM error this is a chance that I will not get to keep my money. This has been demoralizing and deeply stressful and hurtful to me. I have now lost trust in my banking institution completely. I was on the phone for hours with Chase today, including the Escalated Claims Executive Branch and the best they can tell me is they don't know if I can keep my money or not until XX/XX/XXXX, at the latest. Please help me take my hard earned money back. Thank you.
Product: Debt collection

I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.
Product: Consumer Loan

On XXXX/XXXX/2016 I purchased XXXX XXXX XXXX at the XXXX store through their upgrade program. Evidently at that time I also applied for a Citizens One personal loan for the cost of the Iphones and the XXXX XXXX policy. The personal loan application was not disclosed to me and I did not receive any documents or disclosures about the loan. On Sunday XXXX I received two emails from Citizens One that I was approved for two personal loans which completely surprised me. On Monday morning XXXX I called Citizens One and spoke to XXXX. She confirmed that I applied for two loans and was approved. She state that two credit checks were processed against my credit and that I authorized the application. I told her that I knew nothing about the application and requested she send me all my loan documents, disclosures and loan application clearly showing the terms and conditions of these loans. She told me this could not be done as they are a paperless company and that I would have to go online, set up an account and pull my documents which I have no idea how to do this. I asked to speak to a manager and she abruptly responded that a manager was not available. I requested that a manager call me as soon as one was available. I am still waiting for that phone call. All borrowers should have the right to understand loans issued by any banking institution. All disclosure documents including the application should be readily available to be sent to borrowers.
Product: Credit card or prepaid card

The situation is as such : 1- I used XXXX XXXX credit card checks ( 0 % APR until mid-XXXX ) to the amount of {$20000.00} 2 - I continue to use my credit card for purchases, but ensure that I am paying off *more* than my full amount every month. 

I noticed that I am continuing to incur interest charges every month, and upon calling XXXX ( twice, last being on XX/XX/XXXX ) was led to believe that I would continue incurring these charge, should I use the credit card for purchases, at the rate of 16.24 % I believe that as per the Credit Card Act of XXXX ( 15 USC 1666c ( b ) ( 1 ) ) " In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' Based on this law, any payments I make including my full monthly bill plus minimum payment should be going towards my higher interest rate, i.e. the purchases made every month. 

I was told on the phone ( twice ) that I would continue incurring charges for purchases I make, even IF I make payments that exceed the above-mentioned amount. I was told that the only way to stop incurring said interest fees at 16.24 % is for me to pay up the {$20000.00} + purchases in full, or to stop using my credit card for further purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries i dont recognize on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

I was notified by Collection Bureau Hudson Valley , Inc. of a debt allegedly owed. I mailed out a debt validation letter seeking such debt owed to this collection agency. Collection Bureau Hudson Valley XXXX Inc. responded with an account summary/details. I also sent dispute notice to all three credit bureaus. This is not sufficient enough to validate debt.
Product: Checking or savings account

i was granted by the XXXX County court, XXXX CO Magistrate the Guardianship and Conservatorship to my sister. i was already her POA i contacted the bank to get access to her account/s. i could only talk to the branch where she opened the account, which is very odd. 
after many calls and messages left to the branch manger, they called back confusion of what exactly they requested. Branch manager kept adding in more documentation. because i was out of state i was told i needed to come in person and have papers with. then because i was out of state i was told to have the POA checked by an attorney including a notarized letter stating they were not tampered with. ( i did ) I always had to call and see if the UPS was received with docs, only received XXXX calls. i called expedite team, i filled with the XXXX and because of a her going into the hospital the case was closed... it goes on and on here 's the problem with our financial institution. FDIC too how can they overrid branch manager could of emailed me a list instead of me trying to track her down for answers. 
..since XXXX of XXXXalways in a meeting, out of office
Product: Debt collection

Received a missed call to my business phone number on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     Received another call to my business phone number on  XXXX / XXXX /  XXXX   at   XXXX   XXXX   form  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for  " ECMC ' s default management. '' On my phone call to  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /  XXXX   at    XXXX   XXXX    I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone.     She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact.     She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number.     I feel that I was given private information about an individual that violated their privacy.     Thank you.
Product: Credit reporting or other personal consumer reports

The negative accounts came back verified and are inaccurate.
Product: Mortgage

On approximately XX/XX/XXXX, I closed on a XXXX  with Huntington Bank for $ XXXX. At closing, I was required to take $ XXXX of the line, despite the fact that I did not need the money at that time. I deposited the money into my bank and wrote a check to Huntington on XX/XX/XXXX for {$40000.00}. The additional {$62.00} was to cover the accrued interest until Huntington received the funds and was overpaid by {$8.00}. At this point, I have repaid the outstanding amount and overpaid the accrued interest by {$8.00}, which was credited to my account. The XXXX also has a {$60.00} annual fee, which when netted against my credit, should have left me with a balance of {$51.00}. However, I am now told by the bank that I owe {$150.00} because the interest is calculated on the average balance over the billing cycle. So over the 30 day period, my average balance was $ XXXX despite the fact I only had the $ XXXX in my possession for 8 days. I am being charged interest as if I had borrowed $ XXXX over 30 days. How can I be charged interest on money I have not borrowed and don't have in my possession? I have contacted the bank at least 7 times to try and resolve this matter. I was told on most of those occasions that the bank would look into the matter and get back to me. They never did. Now I am being told they will contact the credit rating companies if I don't make a payment ASAP, despite the fact that the bank has not done any of the things they said they would. I am happy to pay the {$51.00} fee for the account. I have already paid the daily interest on the money in my possession for 8 days. This sounds very much like a way for the bank to continue to charge me interest and hide the true balance in the event I wish to pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 I received notification from Experian that the results of my third attempt to amend incorrect data on my consumer file was deemed accurate by the creditor. To add insult to injury, not only did Experian not remedy my file but they added additional incorrect reporting, which continues to hurt my credit worthiness. 

Despite me providing Experian with supporting documentation in writing to subsequent my claim, along with specific instructions to remove those inaccurate items and provide me with the tools they used to verify their decisionI was unable to preclude any of those items. 

On XXXX, XXXX I spoke with an Experian representative over the phone to air my grievances. We both agreed that the information was being reporting inaccurately. However, he advised he was unable to amend anything on his end without the confirmation from the original creditor. I then asked, if we both agree that it's inaccurate where does the responsibility fall on Experian to remedy the situation. Also, why isn't Experian being transparent about the investigation tools that are or are not being used to satisfy my claim. 

I feel both Experian and the original creditor ( US Dept of EduXXXX ) are in violation of the FCRA. I reached out to the creditor directly for resolution and they were unable to provide documentation to support the inaccurate information on my report. 

Someone has to step in. This is not ok
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

CALLED TARGET RED CARD I FOUND FRAUD FROM XXXX I DID NOT PURCHASE. I ASKED FOR NEW CARD TO REPLACE ONE ENDING a XXXX they said i had to call back rep was hard to understand poor English. i need a new card and all XXXX purchases are FRAUD i did not order or authorize i think a cleaner for my home did it not sure. please send card and return funds for fraud. i will report to police as ap given the pandemic. i should not have to call again
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Transunion responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 usc 1681 which mandates a reasonable investigation of disputes. Furthermore Transunion ' actions may also contravene the CFPA 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
Additional Transunion has prevented me from being able to access my account to check and review dispute statues.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00}