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

XX/XX/XXXX : Capital One charged me interest on a XXXX balance for the billing cycle. I called to ask them to correct it and they said they couldn't. They did this to me last month but I paid the interest because I need to maintain a XXXX balance on this card. So I asked the supervisor, XXXX ( # XXXX ), if they were going to try to pull the same shenanigans next month and he said they do not charge interest on interest, but told me I would be charged a late fee if I made a late payment. Here is where the problem lies. I have never made a late payment in all my years with this company and he had no grounds for threatening me with a late charge. I feel I was discriminated against and he made a bad judgement call that was very unprofessional. The interest in question is only {$5.00} and he could not credit me, so I am filing this complaint for being ethically violated. I am an upstanding citizen, tax payer, who has never made a late payment and he judged me as if I was some hoodlum off the street. He needs reprimanded or fired and I want to be credited my {$5.00}. Thank you, XXXX
Product: Money transfer, virtual currency, or money service

hello : i sent XXXX dollars to my brother in law over seas with western union. 
after 55 days i was told the transaction was declined and for the last 4 days i have been trying to get a refund and i got no good answer, every time i call am put on hold for a good hour and a half then they till me we will call you back with an answer. 
i never got that call my name is XXXX XXXX XXXX XXXX thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES
Product: Debt collection

This debt is from XXXX I never once got a email notice in mail or a bill in mail. 5 years later I get a harassing call from them
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be validated. 

Account name : XXXX XXXX XXXX Original creditor : XXXX Account number XXXX
Product: Debt collection

I had created a payment plan with Midland Credit Management ( or may be Midland Funding ). I sent checks via my BillPay in the amount of {$56.00}. I requested that my bank close the bank account used to consolidate to one checking account and canceled the BillPay. On XX/XX/22 I see a transaction of {$56.00} Check # XXXX. This is NOT something I sent out or authorized and I have had no communication about this. 

Midland used my account number and routing number from previous checks to create their own check and submit to my bank for payment. This is overreach and honestly, seems illegal. Plus, then, it reactivated an account I do not use, causing a NSF fee. 

My bank told me to contact the company and I did, but they acted like it was business as usual. I requested to cancel my payment plan. It is NOT okay for a company to access my bank accounts at their whim and use my information when I did not authorize it.
Product: Vehicle loan or lease

I was in an auto accident XX/XX/XXXX and the car was classified as a total loss by XXXX. They sent SANTANDERCONSUMERUSA the check for the vehicle {$16000.00} minus my {$1000.00} deductible on XX/XX/XXXX. I was left an underwater amount of {$6500.00} since I had GAP insurance XXXX  electronically sent {$5600.00} to SANTANDERCONSUMERUSA on XX/XX/XXXX. I swiftly paid the remaining {$940.00} out my pocket which was the deductible but they refuse to apply the GAP to my auto loan to XXXX  it out. GAP was supposed to help me pay this car off swiftly so I can finance another vehicle. SANTANDERCONSUMERUSA continues to add interest on my account and ignore the GAP payment sent. I was informed by XXXX   after numerous attempts for help that SANTANDERCONSUMERUSA applies this when they feel like it was her exact words. This can not be right and something needs to be done to these negligent companies who abuse there fiduciary duties with unethical business practices soley for there own financial gain.
Product: Debt collection

I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with XXXX XXXX was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.
Product: Debt collection

I have continually received calls from Transworld Systems about a debt that was paid before it was sent to collection. We found out I was in collection when I received the first call last year. I explained to the XXXX, rude person that debt had been paid. I sent by email a copy of the online banking records. The calls went away for a period of time, only to start again. I have again explained that bill was paid, records were sent and told basically I was a liar. They are calling everyday now. 
I want it to go away. We pay our bills and deserve to be treated as such
Product: Debt collection

I have contacted the company and its representative several times about the fraudulent account and the nature of the account not belonging to me. I have not received the said documents that the attorney or creditor assured me that I would.
Product: Credit card or prepaid card

A few weeks ago I was purchasing flights through XXXX XXXX ( XXXX ) Upon purchasing I was presented with an offer for a credit card that provided a statement credit of {$250.00} if you use it to purchase your flights. ( AAdvantage ) I signed up for the offer and used the card immediately to purchase flights. I could have used several other cards I have with really good rewards, but I did not due to this offer. 

When I received my first bill in the mail, I noticed I did not receive the advertised credit, which was the reason I signed up. 

I called in to customer service, thinking they could easily help me, but apparently there was two cards accidentally created at the time of sign-up with the second card actually being used for the flights, and also the one I received in the mail.

Obviously I never wanted two cards.

I had to be escalated to a manager who said there was nothing they could do because there was two accounts created, and my offer was stuck on the " first account '', which was never used.

I explained that I only used one of the cards to buy the flights ( $ 800+ ) and I just wanted the duplicate card closed and my statement credit fixed. 

They repeatedly told me that because there were two cards created, I am out of luck, and there's nothing they could do for me. 

I explained over and over that the multiple accounts being created was an accidental circumstance that I never wanted to happen. 

All they had to do was hear me out, realize that two cards were created in error, and hook me up with the credit as advertised. 

So, I cancelled both cards and I am avoiding doing business with either Citi or XXXX XXXX ever again. 

This was a blatant slap in the face which should have been the beginning of a new customer-business relationship. 

I had planned to use this card generously. 

This was one of the most illogical and ridiculous things I have ever experienced, and a terrible way to start a new relationship with a customer. 

From a managerial standpoint, my mind is completely blown. None of this makes any sense, that they would let someone who spends over {$10000.00} on credit cards per month due to a self-owned business completely walk away, so unhappy. 

CITI DOES NOT CARE. 

The employee who denied me is named XXXX and his work code is " XXXX ''
Product: Checking or savings account

I had direct deposit through my job at XXXX XXXX, the bank allows their customers payday loans before they get their paycheck knowing that it's going to be deposited I was overcharged and over billed which caused my account to be closed. In this lawsuit Wells Fargo lost I do for a payback more than {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Acct XXXX, XXXX. XXXX, XXXX, 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and XXXX, XXXX XXXX XXXX, 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.
Product: Debt collection

XXXX XXXX of XXXX XXXX is violating my HIPAA rights, I've provided my insurance information on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Alert Details Alert Date XX/XX/2019 Source Experian Date Submitted XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX This acct shows closed paid past due charge off and still is a factor on my credit ratio. I have disputed it 7 times plus. Every time they just change words but never fix it. 
This acct is with a collection agency that calls me twice a week. I do owe this and for my reasons Im not paying them for what they pulled to get this acct were its at. I was never over my limit. Return check and they tacked it onto my credit card. Has nothing to do with my credit card. So with that said for two years its been play the credit reports game on not correctly reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/2019, and before I have sent multiple letters to Penn Credit Corp, and offered to pay the balance IN FULL, to which they have never responded, since they have refused full payment, I am assuming the alleged debt is not owed, and as such, I would like the trade line deleted from my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally dispute a charge of {$3500.00} related to a contract with DRB for a home purchase. This contract was terminated by DRB *prior* to my initiating this dispute. While I understand that the lender 's inability to approve my mortgage application resulted in the contract 's cancellation, I am requesting a full refund of the {$3500.00}.

Despite repeated requests, DRB has failed to provide me with a formal termination letter. However, I have substantial supporting documentation, including a series of emails and text messages confirming the termination from their side. These communications clearly demonstrate DRBs decision to end the contract, thus invalidating the {$3500.00} charge.

I have attached copies of these emails and text messages as evidence. I respectfully request that you review this documentation and initiate a full refund of the {$3500.00}. I am available to answer any further questions you may have regarding this matter.
Product: Debt collection

My identity was stolen and someone applied for a loan through XXXX XXXX XXXX, back in XXXX of XXXX, and the amount currently reflecting {$2700.00} account number # XXXX. I called the company but no one gets back to me. I already had a fraud statement on my report requesting a call if someone applies for a credit card and or uses my credit for any reason and those actions was never used to assure my credit protection from Experian, the credit bureaus never followed through with protecting my credit and or fulfilled my request which is in bold on my credit report. 

I called Experian several times to dispute this information and sent Experian via XXXX Mail a copy of the Identity Theft report and uploaded a copy to my credit profile and they have not removed this account from my report. 

According to XXXX XXXX XXXX XXXX is no longer in business In XX/XX/XXXX, the Company announced that XXXX, XXXX had ceased all loan originations. No one in this company has provided or fulfilled my request for documentation of proof of ownership of this debt or how they obtained my information.
Product: Credit card or prepaid card

I took out a Barclay 's Ring Master Card in XX/XX/2019. I used an invitation which I received in the mail which had a 0 % APR for the first 12 months. I used the card to help my son pay for auto collision repairs which came to {$2600.00}. I also set up {$250.00} monthly payments automatically from my XXXX   XXXX XXXX checking account. I enrolled in paperless billing and never looked any further until today. Just went online and checked my account and noticed that I have been charged interest every month since it was opened. There was an issue with the first payment not being on time. I do not remember exactly why but I did call Barclays to discuss the issue which was fixed and they told me it would not effect my promotional rate. Barclays response to my phone call after speaking to two reps was that they never offered a 0 % promotion. They are sending me the agreement when the card was approved. I did check online and found the promotion which is now expired but proof that it was offered. I would never have taken out a card with interest. I would have paid cash in full.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

Improper use of credits and violations of 1974 privacy act, XXXX XXXX XXXX dollars for damages claim demand
Product: Credit card or prepaid card

On XX/XX/2021 I tried to make a payment for the remaining balance on my Citibank credit card and it never went through. I used the same checking account for the payment that my auto pay was set up for and had never had a problem with that checking account for auto payments. The payment was for approximately $ XXXX and my bank account balance at that time was about $ XXXX, so the funds were available. After I realized that the payment hadn't posted I tried a second time on XX/XX/2021. When the second payment didn't go through I went into the Citibank website and deleted then reentered the payment account information thinking there was a glitch in the system. Then I tried a third time on XX/XX/2021 with the same results. I called Citibank and they said my bank wasn't letting the payment go through. I called my bank and they said nothing had gone through or been denied for any reason from Citibank and my bank statements reflect that information. After all this, I took time off of work to go to a Citibank branch and wrote a check for the balance and the check did post and I thought my account was paid off. 
Then I got another bill for {$160.00} for interest on the account for the time during which I was trying to make the online payments that didn't go through for some unknown reasons. 
My complaint it that I don't think I should have to pay this interest charge if it was an online payment problem in the Citibank system.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been brought to my attention that Experian has violated my rights as a consumer. 

According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish the each of the following pieces of information which will include addresses, inquiries, names, and accounts. 

XXXX. XXXX XXXX XXXX ( Name id # XXXX ) XXXX XXXX XXXX XXXX Name id # XXXX ) XXXX XXXX ( Name ID XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX  ( INQUIRY ) XXXXXXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX ( INQUIRY )
Product: Credit card

I was given the option to payoff the account for {$92.00}. I agreed to the auto drafting, they took out three payments with my permission from my bank account. I paid off the account and it says the rest of my balance is forgiven and the account is closed. I disputed so they would uphold their end but they did not they updated the balance to {$130.00}.
Product: Bank account or service

I work for a XXXX company and while they do direct deposit my pay check my expenses are paid in US funds by check drawn on XXXX. Of note, there were a couple of XXXX branches located in the metro XXXX area until a few years ago. When I deposit them I do have to use a teller. About a year or so back I deposited XXXX that was over {$5000.00} and got hit with a large fee which no one in the local bank was aware of. 
On XXXX XXXX, 2016 I went to deposit XXXX checks which did total over {$5000.00} and spoke with bank staff and asked if I needed to do them as separate deposits or what to avoid paying a fee and was told that it would be ok on a single deposit. I received a letter from the bank the next week saying that they had reversed the largest of the XXXX checks ( {$4600.00} ) and debited my account since it would require " special handling ''. When I called the customer no service listed on the letter she told me that the local branch was wrong and that I had to pay the fee. When I asked for the check to be returned I was told that the process could not be stopped. According to XXXX they transferred the money to Chase on XXXX XXXX but it did not appear in my account until XXXX XXXX and the deposit was less than the debit. When I went to the branch on XXXX XXXX and asked why the amount was reduced they did not know and when the banker called to get the reason he was told the wait time for him to speak with someone would be 40 minutes. At that point he did reverse a {$45.00} international collection fee and I left. I received a letter from Chase XXXX XXXX stating the deposit was reduced by {$90.00} stating the reason was " Foreign Currency Paid ''. I called the customer no service listed on the letter since the check was made out to be paid in US currency and was told that what the letter stated as a reason for the fee was wrong and it was because XXXX charged Chase {$90.00} to cash the check. I was told that the local branches are not aware of the fees since they do not handle many foreign checks. 
I have already opened a new account with a credit union and will be closing this account as soon as the last check clears and will also be moving my mortgage to a new lender.
Product: Debt collection

Portfolio Recovery Associates , LLC sent me a bill dated XX/XX/23 saying I was in collections for a bill from XXXX XXXX  for the sum of {$1100.00}. While I do have a credit account with XXXX for XXXX XXXX, it is in good standing according to both my records and XXXX, and the balance is nowhere near that amount. Therefore, this is either a mistake or fraud. Considering the details, fraud seems more likely. 

I haven't contacted PRA because previous experience with collections companies has shown that they won't be interested in the facts, only the money.