23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a promotional purchase at XXXX on XXXX XXXX for a 24 months payment. Followed all the stated ruls and my account was supposed to be XXXX by XXXX but I was charged with differed interest. Please go over the breif explanation ( XXXX of many messages I sent to Brandsmart/Synchrony Bank with attached documents ) and let me know if the charges are valid. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good morning. I've been writing and sending messages to resolve this issue on my promotional purchase dated XXXX. The initial purchase amount was {$4400.00} and I paid {$100.00} on XXXX before the start of the promotion period ( XXXX ). That leaved the account with a balance of {$4300.00}. I DID NOT MAKE ANY OTHER PURCHASES AFTER. The promotion was for 24 MONTHS ending on XXXX. I made XXXX paymnts each in the amount of {$180.00} online ( XXXX ) and over the phone on XXXX. Then I set up the auto pay account with my business account first ( XXXX  XXXX ) and made payments for XXXX, XXXX, and XXXX of XXXX for {$180.00} each month. Then I switched it to a personal checking account ( XXXX XXXX ) and made all remaining payments. On XXXX XXXX my account balance was supposed to be XXXX based on my calculations as follows : Payment before I get the first statement {$100.00} ( XXXX ) payments online, over the phone {$360.00} ( XXXX ) payments via XXXX account {$540.00} ( XXXX ) payments via XXXX in XXXX {$900.00} ( XXXX ) payments in XXXX ( Truist ) {$2100.00} ( XXXX ) payments in XXXX ( XXXX  ) {$360.00} Total {$4400.00} ( over the initial promotional purchase ) I made regular payments without interruptions and equal payments each for {$180.00} during the grace period. 
Why is my account charged with unpaid deferred interest of {$2500.00}? 
I would like to have a copy of all my statements and the confirmation for the XXXX auto pay accounts with all details. 
Please email me the requested documents as I can only access the past XXXX statements. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is what it reads on the " Promotional Expiraion Notification '' of the statements : " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. ''
Product: Debt collection

I sent this company a voicemail from the original source The Townhomes they confirmed I was not responsible for this debt & this Genesis company keep reporting it and they keep increasing the debt every month making my credit score continuously going down. I have been battling this company for over 6 months regards to them removing this information from my name & credit. I am extremely disappointed frustrated & exhausted I can not purchase a home due to this derogatory remark on my credit. How can a company do this? They are very aware this is not suppose to be on my credit, please help me by removing this item from my credit report. Thank you this attached voicemail is from the Townhomes manager,
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX  and other companies keep calling me to pay a debt for XXXX XXXX They keep calling me and other people that are not even associated with me trying to collect a debt that was paid off years prior to any calls. 
This number is a very unprofessional and and lie to people very shady XXXX ( XXXX ) XXXX look up on XXXX and they are a fake company comes up stillman law office
Product: Student loan

I have spoken with aidvantage several times and I always get a new story. Im trying to set up payment plan. They sent me a form that doesnt match anything that was said on the phone. The last servicer was much better. They even admit that a lot of new people have been hired and training tools dont provide a lot of information.
Product: Checking or savings account

I received an email from Bank Of America on XX/XX/year> stating that my debit card was about to expire and " a new one was mailed to me on XX/XX/year> to the below address ''. It has been three weeks and card not received.

After reviewing the address they said they sent it I noticed that it was not my complete address. Line one and two are correct but the third line just repeated the second line with the city name and state but the country was omitted. I am in XXXX and that was omitted. I went to the bank online website and checked my profile address and it was the correct address, then I went to their bank mobile app and it had the faulty address. 
I have contacted the bank five times by phone reporting the problem and they all say that they can't access my account to fix the problem and to call back in a couple of days when the set security conformations have changed. I even asked to speak to a supervisot and they say the same thing. I can access my account online and in the mobile app but I can not order a new card. I need this to be fixed so I can get a replacement debit card and have access to my pension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am affected by the Equifax security breach that occurred around X/X/17. No fraudulent activity has happened on my account, but I did receive an alert through " equifaxsecurity2017.com '' that I may have had my information leaked. I am sure many others are filing this report, but I just wanted to have something in writing for reference in case my identity is stolen.
Product: Consumer Loan

I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.
Product: Debt collection

United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 XXXX
Product: Debt collection

To whom it may concern Im submitting this complaint in frustration over the lack of response Ive received from Arbor Professional Solutions ( XXXX ) and XXXX XXXX Office ( XXXX ) regarding accounts for my XXXX children. 
FIRST COMPLAINTI was never notified by XXXX regarding these accounts. When reviewing my XXXX  report on XX/XX/XXXX I noticed that the four accounts in question were added to my report however none of them included enough info to identify what they were for. The next day I contacted XXXX and was able to conclude that the reason they hadnt contacted me as required by law was that they had an incorrect address and phone number. While XXXX from XXXX was validating me she stated my street a XXXX XXXX when in fact it is XXXX XXXX then she confirmed my phone number as Most likely this is the same misinformation that XXXXXXXX office had and referenced in their XX/XX/XXXX email ( attached ) and likely passed on to XXXX. THIS ALONE WARRANTS THAT ALL FOUR ACCOUNTS BE IMMEDIATELY PURGED FROM ANY AND ALL CREDIT REPORTING AGENCIES SYSTEMS. SECOND COMPLAINT.The first invoice I received was for {$500.00} ( attached ) and right away I notice that a {$250.00} credit was missing for XXXX. I made them aware of that then questioned why we were charged anything at all seeing my insurance covers 100 % of preventative care which includes but is not limited to the procedures they performed. I thought the billing problems were corrected when I received a voicemail ( see attached XXXX transcript ) from XXXX at XXXX telling me that it looks like everything has is actually been paid. Up until my call to XXXX on XX/XX/XXXX, that was the last Ive heard from anyone regarding these accounts and now Im being told that I owe {$63.00}, {$63.00}, {$63.00}, and {$120.00}. So I called the insurance company myself and found out that the only item not covered was the XXXX XXXX. I was told that XXXX XXXX is normally covered under my policy but since XXXX office also did the more expensive XXXX XXXX of the entire XXXX, this includes the XXXX, the XXXX was no longer necessary and called it a money-grab. They could not explain the additional {$50.00} being charged to XXXX account. UNLESS YOU CAN PLEASE PROVIDE A SATISFACTORY EXPLANATION AS TO WHY BOTH XXXX WERE REQUIRED, IF NOT IMMEDIATELY REQUEST THAT ANY AND ALL CREDIT REPORTING AGENCIES PURGE THESE FOUR FILES FROM THEIR SYSTEM. THIRD COMPLAINT.Our decision to try XXXX office was based on a flyer ( attached ) we received in the mail. As I mentioned in Complaint One, I presented this flyer to XXXX office at the time we checked in. This flyer clearly states New Patient Special {$140.00} and includes same procedures that they charged my insurance company {$340.00} for. Either this is false advertising or over billing. FOR THESE REASONS PLEASE REQUEST THAT ALL FOUR ACCOUNTS BE PURGED FROM ANY AND ALL CREDIT AGENCIES FILES.
Product: Credit card

I received a promotional offer in the mail from capital one for a capital one XXXX  card. the offer stated that new card holders would receive a XXXX $ bonus after spending XXXX $ within the first 3 months. 

There was a scannable QR code to see if you are approved. after getting approved I was able to meet the requirements within a month and have been waiting for the money to be credited to my account. 

After calling today and speaking with a representative I am then told that there are multiple XXXX cards with different rewards and the XXXX card that i was accepted for does not offer the XXXX $ reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts/Companies on my credit report : 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted Experian, XXXX, XXXX on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to Experian, XXXX, and XXXX on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Product: Credit reporting, credit repair services, 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 name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX, line of credit has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX  XXXX  XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused.

I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation.
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 XXXXXXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Credit card or prepaid card

I made a purchase last XXXX at Macys in person. The clerk was pretty persistent in having me use my Macys account. I told clerk I had two accounts. A macys American Express and a Macys Citibank. I would have to use the Macys American Express as I did not have access to the other card and had no payment set up on it. Clerk Agreed. Told me I had the American Express. I signed the receipt. Several months later I received a bill that had been forwarded from my Florida address ( I am in Texas ) for not only the bill but a {$40.00} late fee from the standard Macys credit card and not the American Express as requested. I called explained the situation and cancelled my card. The next month I again get a bill, late. For {$40.00} more dollars in late fees. I paid again and cancelled the card. In XXXX I again received another bill for {$40.00} which I did not pay and the customer service re-processed my credit card cancellation and promised to remove the {$40.00} from my bill. I just received another bill from Macys for {$40.00}.
Product: Credit reporting or other personal consumer reports

I contacted Experian and provided them my FTC affidavit. I'm a victim of identity theft and there are inaccuracies on my credit report. Experian is violating the following codes by not correcting my consumer report.

15 U.S. Code 1681B- Permissible purposes of consumer report - I didn't give Experian written consent to report the inaccuracies.

Experian is also in violation of 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.