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

I purchased a refrigerator from Home Depot that was delivered on XX/XX/XXXX. On XX/XX/XXXX - the refrigerator stopped making ice and was getting warm. On XX/XX/XXXX a technician came out and told us the compressor had died. I had purchased an extended warranty from Home Depot, was within my 90 days of delivery, and this is obviously a major component. Second technician comes out to tell us that compressor, evaporator and control board are all bad. This is a lemon. Home Depot refuses to fix. Insists that the manufacturer must fix it. I have called the Home Depot store, corporate, etc. This is a lemon. This needs to be replaced or my money refunded. Home Depot refuses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : American Express Account # ending # XXXX American Express has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Mortgage

The mortgage servicer of my mortgage received funds from the Federal Homeowner assistance program to reinstate my mortgage loan on my house XX/XX/XXXX. Received Letter Trustmark on their letterhead stating that I was approved for 3-month trial period plan XXXX XXXX. 1st payment XX/XX/XXXX was told to make payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay 1st trial payment for XXXX XXXX, XXXX. Trustmark Bank teller refused to take my payment she said her computer showed payment to be {$1500.00} she was rude began to argue with me. She told me her computer showed the mortgage payment was for a different amount from amount I was paying she could not accept my payment. Returned Trustmark Bank with Trustmark letter showing the trial amount was {$1400.00} XX/XX/XXXX, I was allowed to make the payment. Trustmark Bank has canceled my trial modification because they say I broke the promise didn't receive payment before XX/XX/XXXX I wasn't allowed to make payment. Resubmitted request for mortgage assistance with financials explanation for the payment they received. Received call from XXXX XX/XX/XXXX Trustmark bank collections she was rude, unwilling to assist me with saving my home from foreclosure.
Product: Credit card

Dear Sir/Madam, I have a Best Buy Visa Store Card which offers promotional purchases with zero interest rates which expires on a certain agreed upon date. 
There have been several times where the " automated '' system deliberately allocates payments towards higher balanced items rather than the next expiring promotional balance. 
To safe guard against this, I can not always rely on the billing statements which indicate how much I need to pay in total to avoid interest. 
Citibank which services Best Buy XXXX Store Card has a feature online where you can view exactly the amount owed on a specific promotional balance. 
This is greatly useful as it updates after a payment is made. 
Recently in the last four ( 4 ) to six ( 6 ) billing cycle this feature has been " offline ''. 
When I contacted customer support using their " messaging '' system they had failed to read the issue and copy pasted a generic response. 
When I called in I had to wait around an hour to get in touch with a representative who confirmed that the payments made paid off the promotional balances. 
I informed the representative that the feature which made this process easier has been " offline '' for several months which was concerning to me as a consumer ; especially when there is an automated allocation system which prefers paying off higher balanced promotions rather than the next expiring one. This is anti consumer is designed by Citibank to insure purchasers pay monthly expecting that the amounts go to the next balance but then when it is too late they find out that the allocation system did not do so and they end up paying Citbank interest when it could easily be avoided. 
The response I received from the Citibank 's messaging system was not only frustrating but also concerning. They have no concern of whether the customer 's issue was resolved ; instead they exist to enforce Citibank policy without knowing that Consumers have certain recourses when " Company policy '' is inherently anti consumer. 
I have attached the following as evidence : Best Buy XX/XX/2023 statement ( See Exhibit A ) Citibank Customer Service message ( See Exhibit B ) Citibank feature which is no longer operating ( See Exhibit C )
Product: Debt collection

Financial credit network sent me a piece of paper 2 months ago indicating I have a debt placed with them through XXXX. No proof that it belongs to me. Can not get any verification except fir a piece of paper that is an invoice made in a barn.
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX XXXX made fraudulent inquiry on my credit report using my name, but they used a fraudulent address and phone number. I did not apply for credit or a credit card with XXXX XXXX 
I was alerted to this inquiry and immediately contacted TransUnion to report it was fraudulent. TransUnion helped me by freezing my report and placing a fraud alert. 
I have requested this fraudulent inquiry be removed from my credit report but must first provide TransUnion with information/letter that I have filed a report to the FTC in order to have it removed. 
I tried unsuccessfully to reach the fraud department or anyone that would help at XXXX XXXX. I have made numerous calls trying to report this and they refuse to transfer me to the fraud department or any department that can help.
Product: Checking or savings account

I opened a free prepaid card from XXXX XXXX back in XXXX XXXX moved this card/account to Simple who then moved the accounts to BBVA which eventually was merged to PNC Bank XXXX 

PNC Bank provided no way to close my account ( which had a balance of about {$11.00} ) online. They require me to go to a branch which I could not do because of XXXX and health issues. After charging me new fees which I did not agree to the bank then advised me that I have to go into a branch office to pay a {$0.00} fee to close my account. 

I did not ask to be a PNC customer. I did not agree to their fees. They changed a feeless account that I agreed to terms to years previously into a fee based service. They acquired all my personal information including my social security number and opened this account in their bank with new fee-based terms. I did not agree to any of this and simply want my account closed. They refuse to close my account without paying them a fee to do so. This in my opinion is fraud and needs to end.
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report.

Wells Fargo has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Product: Debt collection

I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by AWA CollectionsXXXX. It has come to my attention that the inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
Upon thorough examination of my records, I have found discrepancies regarding the alleged debt referenced in the aforementioned collection account. Despite diligent efforts to obtain validation and verification of this debt, AWA Collections agency has failed to furnish any substantiating documentation or evidence supporting its legitimacy. 
Furthermore, I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and AWA Collections agency promptly removes the disputed collection account from my credit report within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I have Transferred funds to my family back in XXXX through the App called Remitly and I suspected the Transfer and before the processing time and I even requested the Remitly to Cancel and Reverse the Transfer But they didn't Assured me that It will happened. ( They Mentioned that it may or may not happen ). As it was {$1500.00} and that was a big amount for me and i was expecting that need to be refunded me and the funds are not even reflecting on the Recipient bank. 

Reference Number : XXXX
Product: Student loan

Good Morning Navient! 
My name is XXXX and I obtain a loan from you to complete my XXXX at XXXX University, beginning in XX/XX/XXXX. Upon graduating in XX/XX/XXXX, I accumulated {$40000.00} worth of student loan debt and I also graduated un-employed. From XX/XX/XXXX XX/XX/XXXX I suffered from harassing phone calls and threats at the hands of XXXXNavient to begin repayment. Unfortunately, I was still unemployed and this added XXXX did not help. I returned to school in XX/XX/XXXX and it was then I was granted relief through a forbearance. Upon completion of XXXX school in XX/XX/XXXX, I was underemployed and still unable to make payments. I began making in XX/XX/XXXX, but only after threatening phone calls and harassment. It was then I learned that my debt had doubled to {$85000.00} through compounded interest rates and fees. I have struggled to pay since XX/XX/XXXX and but have succeeded in not having a late payment. Because of my credit and payment history, I recently began receiving inquiries to transfer my loans to another servicer for lower interest rates and less terms. 
I know beyond a shadow of doubt that I am the victim of Navient misallocating payments, being steered and automatically enrolled, without consent, toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. I would like to opportunity to move on with my life without Navient. Although I have maintained a good credit and repayment history, based upon lawsuits currently filed, it 's in my best interest to default and declare bankruptcy. I have already payed over {$35000.00} to you, faithfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a payment plan. I contacted DISCOVER last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Product: Credit card or prepaid card

Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XX/XX/XXXX. My initial inquiry to Citibank was at XX/XX/XXXX, and my credit card had been open in XX/XX/XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XX/XX/XXXX - XX/XX/XXXX.  There are other acct numbers which were from the same account and the last digits are as follows : XXXX ; XXXX ; XXXX ; XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive
Product: Credit reporting

Was looking to getting a car. XXXX ran my credit through their banks, when I was told it would only be ran through them. I ended up with 6 inquiries from that transaction. I have spoken to both experian and XXXX and they have said the other entity would have to delete it. The following are the accounts in question : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Payday loan, title loan, or personal loan

Id like to raise a formal complaint against klarna services. My account number with Klarna is XXXX. 

History of my case : I made a purchase fromXX/XX/XXXX for the amount of {$8200.00} split over 36 months resulting in a monthly payment of {$220.00}. 

Before my order was shipped, I ended up canceling a few items which resulted in a refund being generated for {$5800.00}. 

As a result my outstanding amount was supposed to be {$2300.00}. Since the refund has been made, I would expect Klarna to adjust the new balance and REDUCE my monthly payments to {$2300.00} divided by 36 to {$66.00}. 

Heres the current issues and questions at hand : 1. Even after reaching out to chat agents and customer service over phone call multiple times, why has the new monthly payment amount not been adjusted accordingly? 

2. Even though my autopay was disabled and my interface shows no payment due - - how did Klarna deduct money from my linked bank account for the recent wrong amount of {$220.00}?????? This deduction was completely unauthorized as autopay was disabled and no minimum payments were showing as due XXXX {$0.00} XXXX
Product: Debt collection

15 U.S. Code 1692f abusive debt collection practices. unfair or unconscionable means to collect or attempt to collect a debt.
Product: Credit card

I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized.
Product: Debt collection

My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged.  They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. 
On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I traded in my leased vehicle, a XXXX XXXX XXXX for a new XXXX XXXX on XX/XX/XXXX. I was able to trade it in to a dealership before my lease ended with no penalty. The dealership sent a check for the payoff to JP Morgan Chase, XXXX XXXX, who held my lease. The dealership had the address wrong and I could tell from my Chase account that the car wasnt paid off. It said I had a payment due of {$600.00} on XX/XX/XXXX, so I paid that amount so my credit would not be affected. I went back and forth with the dealer and Chase and found out the dealer sent the check to an incomplete address. In the meantime, Chase sent me a refund of {$600.00}, in the form of a check which I deposited in my bank. Apparently the dealer sent another check and Chase cashed the wrong one, which had a stop payment. They in turn stopped payment on my check that I had already deposited. The dealership sent another check and I verified that they received it, cashed it and cleared it on XX/XX/XXXX. Now, no one at XXXX knows what XXXX talking about when I call for my refund. I have called them about this matter on XX/XX/XXXX, XXXX and XXXX, and each time I have to repeat my issue. On XXXX XXXX they told me they would call me back in 48-72 hours. I received a call on XX/XX/XXXX and in the voicemail they said that anybody that answers could assist me. When I called back, they had no idea why I was calling and someone told me they could submit a refund request if I wanted. I need my {$600.00} as I have not had possession of the XXXX for more than 2 months. Chase has been paid, my dealership has been paid and I have not. I would also like to point out that Chase never told me they were stopping payment on my check until I received a mailed letter a week after.