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

This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint. 

" I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response. 
I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest? 
I also closed my account over a month ago.
Product: Credit card

Called Synchrony Bank for my Sam 's Club MC XXXX regarding password account access issues. Account rep transfer to fraud rep who argued w/ me regarding my use of a password generator. I use generator for management & generation of passwords for my protection. Fraud rep told me that I must make password that I can remember. My argument is I use generator because of total random nature of password of XXXX characters. Also that if I must use something simple as fraud rep is telling me, I can not be help responsible for issues relating to my account due to easy to hack passwords like XXXX #!. And if that is the case, I should close all of my accounts with Synchrony ( ALL SARCASM ) which fraud rep took as literacy! At that point, call dropped as call was being made on my cell phone. You would think fraud rep would call to confirm, but according to a supervisor named XXXX it is to much effort on the part of reps to call customers and do such things like confirm such drastic actions, like closing ALL SYNCHRONY ACCOUNTS! I also have documented with XXXX my mobile carrier that I have call issues at home. This fraud rep, can according to a rep, because he has the power to do so, close all of my accounts. And I have to call and fight to have this all reversed because he could not call and confirm such a drastic action. More so because it seems that he disagreed with me on the password issues and doing things how he was telling me and that I would NOT submit to him. So he went on to teach me a lesson. It seems that I was just to bow down and do as he instructed like a good lil woman should. Then my calls to correct this were met with it is all my fault because people do no understand sarcasm in an argument anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with Citizens Bank on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XX/XX/XXXX I paid on the XX/XX/XXXX. Starting in XX/XX/XXXX they no longer took credit card payments and only would take checking. I called a called citizens and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. Citizens did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX   Citizens was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called Citizens to fix the situation but the representative blamed me and later hung up on my call. Not only did Citizens make the process to pay harder but blamed me when I made payments in good faith.
Product: Debt collection

One of my XXXX XXXX bills went to collection and then i found out i have 2 others in collections i never received a letter on the other 2 and i did make payments i would like to get this handled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account XXXX XXXXXXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX XXXXXXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX XXXX XXXX XXXX XXXX  - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Product: Mortgage

Good Day, I am providing the email I sent the Servicer LoanCare this morning when I realized two of the 4 payments I made were returned. I was one payment away from being current. 

XX/XX/XXXX Loan Care Attn : Customer Support XXXX XXXX  XXXX XXXX  XXXX, VA XXXX I am writing as I just logged into my banking account and noticed that I remitted two payments to LoanCare on XX/XX/XXXX and XX/XX/XXXX each totaling {$2800.00} and just realized they were returned. I just called the toll free number of XXXX. Below you will see the payments I made which were to correspond with the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The lady on the telephone in your collections department indicated the payments were returned as they wanted all 5 payments. 

As you can see below I made 4 payments which would have made XX/XX/XXXX as being the only outstanding payment and putting me closer to current so I could get back on track. 

All this has done is set me up for failure. She wold me I had to email in order to get this researched. I am going to send a notice to the Consumer Financial Protection Bureau as well as I believe it has been mishandled I have attached the screen shot from the bank showing electronic payments processed and my XX/XX/XXXX bank statement showing the withdrawals on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thank you
Product: Debt collection

LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, I have never applied for any of those fraudulent accounts and they do not belong to me. 

As a victim of identity theft, I have enclosed my FTC Identity Theft Report ( Report XXXX ) as required by law. Under Section 605B, you are obligated to block and remove these accounts within four ( 4 ) business days upon receipt of my report and accompanying documentation, which includes : 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 with account number XXXX PLEASE BLOCK AND REMOVE OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXXXXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.
Product: Checking or savings account

TDBank upgraded their entire banking system over the weekend of XX/XX/XXXX-XX/XX/XXXX, with a promise of access to my account on Monday, XX/XX/XXXX. 
I have not been able to access my checking account since last Friday XX/XX/XXXX. System was  telling me that my username or password was not correct. It was correct. Having Been using it for many years now. 
Earlier this week I tried to contact customer service. Was told that the wait time was 20 minutes. After 1 1/2 hours on hold I hung up. 
On Monday, XX/XX/XXXX, Called my local branch in XXXX, NJ. They told me they were having major problems. Inferred instead that my brouser may be out of date. I told her that I was using an XXXX that was completely up to date. Also that I could not also connect via a Laptop computer. She told me to give it one more day. 
I have tried every day to get access to my account with no success. 
Called support today, XX/XX/XXXX. Recorded message told me that they are still trying to fix their problems following the UPGRADE. Refused even to allow me to connect with customer service. 
Please contact them and push to get them moving to fix their problem. 
What are the rules on not allowing customers to access their bank account? 
Call their customer service XXXX. See what they tell you.
Product: Credit reporting or other personal consumer reports

Late Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Credit Agency XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, and XXXX Credit Report and I noticed that late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this LATE PAYMENT from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

Money orders were deposited in Citibank. XXXX money orders expired, however XXXX money orders Citibank, froze my account, sent it to fraud investigations, froze my debit card and wont release my money. The bank manager sent numerous emails to such department managers but no response. branch manager, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX. I have filed a complaint with Citi corporate via email. The expired money orders were all signed in front of the bank representative. The actions of Citibank are harsh and discriminatory. I am not a criminal or committed a unlawful offense. They are being punitive and causing me a detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained XXXX separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX College XXXX XXXX  XXXX. Nelnet was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through Nelnet and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from Nelnet. All XXXX of my loans are being reported twice on my credit report by Nelnet. Nelnet corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX  report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that Nelnet would correct the reporting of these accounts, however this has yielded more issues. Nelnet responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called Nelnet to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. Nelnet reported all XXXX of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed XXXX by Nelnet now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported three times with all XXXX  bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by Nelnet and XXXX by the Department of Education. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from Nelnet.
Product: Money transfer, virtual currency, or money service

On the date XX/XX/XXXX a total of {$490.00} at XXXX was stolen out of my Cash App card I was told multiple time that I will get help never got help they denied and closed my claim with no explanation. Very hurtful that was my carnote money not Im at risk of losing a whole car.
Product: Debt collection

I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.
Product: Vehicle loan or lease

In XX/XX/2019 my vehicle was repossessed by Chase bank. I offered to pay restitution but they took the vehicle. I attempted to contact someone to speak with me EVERYDAY for 2 weeks, even contacting the main offices in NYC. No one would help. They stated that I had been 5 months behind. I knew for sure I was not. No one would work with me despite the fact that for almost 20 years I had car loans with them and had NEVER been late on payments. After two weeks of begging, pleading, and offering partial payment, Chase remained cold and inhuman. They would repeatedly put me on hold and leave me there until I hung up. They talk to me like I wasn't a human being. They wouldn't work with me they wouldn't do anything to help. They would not release the vehicle without full loan payoff. I had to basically sell everything in order to get my car before they threatened to sell it. After I got my car back, paying IN FULL the rest of the loan, I found the letter in which they gave me a grace period of 2 months to pay on my loan. During the conversations with the bank, they vehemently denied ever granting this. The loan was actually less than 60 days late payments. The pain and suffering caused was immense and the car legally should never have been repossessed. I was thoroughly disgusted with their lack of customer service. This was nothing short of inhuman behavior and complete big bank mentality.
Product: Credit card or prepaid card

On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by OneMain Financial in connection with a personal loan application. At the time of the application, your representative assured me that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my XXXX checking accounts. Despite these assurances, my credit report now reflects a hard inquiry from OneMain Financial. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as OneMain Financial, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the XXXX XXXX XXXX Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( XXXX ). 
I kindly request that OneMain Financial take immediate action to remove this unauthorized hard inquiry from my credit report and provide me with written confirmation once this action has been completed. Failure to address this matter promptly may result in my pursuing further legal remedies.
Product: Debt collection

Nationwide Recovery Service never sent a letter about a collections of {$220.00}. This has just showed up on my XXXX credit report. I have since disputed this on XX/XX/27 to include validation of debt and received no response
Product: Debt collection

Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due
Product: Vehicle loan or lease

On XX/XX/year> was told trade was approved and was going to receive new car that never came. Ran my credit and signed documents. On XX/XX/year> was signde document and was told trade was approved was told a vehicle was going to be delivered but it never came XX/XX/year> was told the same thing vehicle never showed up. Tried to get a different vehicle and I was told that I was never approved for my trade and that I was never approved at all.
Product: Consumer Loan

my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway
Product: Credit reporting or other personal consumer reports

XXXX Portfolio Recovery Collections Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/2024 and XX/XX/2024, your PORTFOLIO RECOVERY collections account was removed from your credit report.