23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a XXXX 's credit card. The store ( s ) billed me for XXXX extra water heaters to my home over charging me {$1100.00}. The bank serviced by XXXX Bank told me I had to see the store which I did. It took over a week & more than a few trips to resolve. In the meantime my closing statement of XXXX/XXXX/2015 was showing me OVER limit & requiring a larger payment since the error put me {$94.00} over limit. I called their customer service # & spoke to XXXX who was very uninformed to the credit biz which I have been in OVER 49 years. I told her about the error & wanted to know what my payment should be before XXXX/XXXX/2015 & she insisted it was the {$420.00} which was on the inflated balance of {$1100.00}. I told her that was n't right & she kept stating the payment was based on the average daily balance. If I do n't owe the money how could I have a balance that high? She kept saying the same thing over & over & I was getting no where with this ill informed clerk. I paid the higher payment & got the next billing with a XXXX/XXXX/15 cut off but only crediting me with the returns & not the interest credit. If I owe XXXX & they make a mistake of {$5000.00} the first day of my billing my average daily balance is {$5000.00}, but I owe NOTHING! So they bill me@21.00 % turn around & give me the {$5000.00} credit back on the next statement & NO interest credit so I have been charged 21.00 % for XXXX month or 1.75 % for the month on {$5000.00} or {$87.00} in interest NOT due them. This probably does n't put them in a violation of exceeding credit card limitations on rates in Florida but it might elsewhere. But they sure are stealing a ton of money from the public!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit went down. I dont remember when. I haven't missed a payment. I asked the company self why. They said I opened or closed an account and that my credit will fluctuate. I closed one thing a long time ago. I was already penalized for it. There shouldn't be any fluctuations. That isnt a thing. As of currently I haven't opened or closed anything.
Product: Credit reporting or other personal consumer reports

Accounts were removed from XXXX but remain on XXXX and/or Transunion. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on XXXX and Transunion. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX but remains on XXXX and Transunion.
Product: Bank account or service

I used the change machine in my local bank to deposit some change into my bank account. I put the change into the machine and got a claim ticket to redeem and deposit into my account. The lines were excessively long and I did not have time to wait to redeem the ticket for cash. I am now trying to redeem the ticket with the bank for the cash I deposited in the machine, but they are refusing to honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

During pandemic, since we were in a state of Emergency in XX/XX/XXXX this collections company XXXX XXXX called 2 or 3 times daily to pay a debt. I know in state of Emergency periods, they were not supposed to contact me, During those periods, I am not required to pay any outstanding debts, I'm supposed to be worrying about the Emergency. They are a company that Is in California. They want to take on debts of those not residing in their state, then they should know Federal, and Every States Laws pertaining to their business and interaction with those they are contacting. Worst of all, each day, I would be called by 1 phone number, either all 2 or 3 calls that 1 day, is the only time those numbers will be on my caller ID. Each day, they would call from a new number, or each day I would receive 3 calls, all 3 a different number, never repeating. But it was always an XXXX XXXX recording telling me of my debt and payment is expected. I emailed them 1 time telling them they are breaking the law. The president declared the country in a state of emergency, they need to stop calling me until it is lifted. They must of not read it, because they continued with the same daily calls. 
Fast Forward, state of emergency Is over, sometime XXXX XXXX. Time passes. I get a letter in the mail in XX/XX/XXXX, saying My debt for which they have attempted to collect can no longer inquire about repayment and no one should inquire about me doing so.it is against the law. 
Recently in XXXX they sent me the same letter. XXXX XXXX sent me this letter.yet XXXX XXXX keeps calling me to pay it anyway. This is current up to XX/XX/XXXX. Its payment for an outdated XXXX ACCOUNT {$980.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX, I, XXXX XXXX XXXX made a consumer credit transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, full loaded. 

The Dealer 's sticker price was listed at {$8900.00} of which a {$3000.00} deposit was made by me under an agreement with the Dealer by the name of XXXX XXXX and assigned to " LENDER '' known as CREDIT ACCEPTANCE CORPORATION. XXXX had assessed the total value of the car at {$12000.00} due to improvements he alleges had been made to the vehicle. 

Currently, the FMV ( Fair Market Value ) of the car is listed at {$9200.00} at best. Amount financed after fees came to {$14000.00} due as a balance via a signed agreement to be paid monthly at {$430.00}. On XXXX XXXX, my car that I use for work was repossessed due to two missed payments which I thought was cruel, unusual and even illegal since it was confiscated from a location I did not have as listed on the agreement and that this was an undisclosed area for privacy reasons. 

The only logical explanation how they found and towed the vehicle in the wee hours of the morning was if they had installed non manufacturer GPS tracking device in the car which may have violated our privacy laws. A simple XXXX search revealed that this is the 'norm ' and standard operating procedure at these types of dealerships. The other injustice is I am a XXXX XXXX XXXX with a decent credit score and never had a car repossessed in my over 7 decades on this planet. 

This is unacceptable and unscrupulous business practice. My contract calls for Arbitration resolution in cases of dispute, yet they do not honor their clauses of going through that process with their clients and instead prefer to 'snatch ' the car back after two missed payments and to add insult to injury, they emptied the contents of car including removing license plates on same day of towing and put on an auction block to be sold without giving a grace period for me to settle and retrieve car. 

This abominable company breached the contract and had every intention to sell that car to another buyer immediately after confiscation. On top of that, they had the unmitigated gall to tack on more fees even after I lost wages due to having no car, inducing mental stress, gaslighting, terror and the indignity of being towed and having a repossession on credit profile and putting out money to rent another car for work. 

And even more egregiously, we can prove that they had no skin in the game and did not fund the initial loan. Which is a fraud and a felony. The FTC and ATTORNEY GENERAL 'S OFFICE OF NJ will be notified next. Thank you.
Product: Prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Prepaidgiftbalance.com regarding issues with a prepaid gift card that has been rendered unusable. Despite multiple attempts to resolve this directly with the company, they have failed to provide a solution. Below are the details of my experience : Gift Card Unusable : The prepaid gift card I purchased can not be used either in-store or online. Attempts to register or activate the card on their website have also been unsuccessful. 

Customer Service Issues : I contacted Prepaidgiftbalance.com 's customer service to resolve these issues. However, they requested information on the state in which the card was purchased, which was unexpected and not helpful in resolving the matter.

Lack of Resolution : Despite my efforts, the company has not offered any assistance or taken responsibility for the malfunctioning card. Their failure to resolve the issue or provide any alternative solutions has been highly frustrating, and I believe this may indicate fraudulent practices.

This situation has led to financial loss, as I am unable to access the funds on the card. I request that the CFPB investigate Prepaidgiftbalance.com for potential fraud and consumer rights violations to prevent further harm to others facing similar issues. 

Thank you for your attention to this matter. 

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

I have written to discover and experian in an attempt to correct this account, it has never been late and XXXX will not respond. 

In accordance with the Fair Credit Reporting Act. 

Discover and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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: Student loan

Nelnet is reporting incorrect late payments to my report. I have disputed this item with them via phone and mail. Below I have attached correspondence between myself and Nelnet. The late payments are being reported inaccurately.
Product: Mortgage

Despite months of requests, QUICKEN LOANS / ROCKET MORTGAGE will never stop sending spam lending offers. Their eccentric 'UNSUBSCRIBE ' link seems designed only to collect more personal information, which is requested to achieve relief that never comes. In effect, QUICKEN LOANS is a spammer.
Product: Debt collection

I am writing to formally file a complaint against XXXX debt XXXX representative XXXX for unprofessional and harassing behavior during a phone call on [ XX/XX/24 at XXXX XXXX  ]. Despite informing him that I am currently unemployed and seeking government assistance, he repeatedly questioned me in an aggressive and disrespectful manner, insisting on knowing how I obtain food and money and insinuating that I am attempting to avoid paying my debt. 
The representative went as far as to suggest that I am trying to get out of paying my debt, which I believe was an indirect accusation of committing fraud. This statement is deeply offensive and distressing, as it is completely untrue. I am not refusing to pay ; I am simply unable to make payments at this time due to my financial situation. His behavior made me feel attacked, XXXX, and extremely uncomfortable. He continued to push aggressively for details on where I get money from and failed to acknowledge my request to file a formal complaint during the call. 
This call came at an already stressful time for my family and friends, as we are still dealing with the aftermath of XXXX XXXX. The representatives aggressive behavior and accusations added unnecessary distress to an already challenging situation, and I believe it was highly inappropriate given the circumstances. 
This conduct is not only unprofessional but also a violation of my rights. I have the right to be treated with dignity and respect and to be free from harassment and false accusations.
Product: Checking or savings account

Chase Bank allowed charging of my account by XXXX XXXX XXXXXXXX XXXX. XXXX XXXX of XXXX my car for over a month and a half and charged me for Services that I requested. They supposedly did the repairs and documented them, but they undid the repairs on my car. I now have multiple serious problems with my car as a result of what they did to my car after their shady business practices. I still can not get repairs done on my car because of the fact that they never even fixed what they were supposed to in the first place, starting with My hood latch being fixed on my car. I requested that Chase undo the charge, as it was a fraudulent charge, given that the company sent me home with the car that they not only did damage to while my car was in there, hands, but they also didnt repair/undid the repairs that they were supposed to do. They provided Chase Bank with some shady and fraudulent proof, which I requested from Chase, but Chase never provided. I tested the charge, but Chase refused to give me the information, and closed my account notification. I did not find out that my account was closed until months after the fact. All of these things took place while I was grieving a significant loss of a close family member, in addition to dealing with a XXXX diagnosis of a parent, in addition to my own personal health concerns. Chase Bank ultimately ignored what I was saying to them and caused me serious financial harm, to the point that I couldnt even get my car fixed. I couldnt even prove that the repairs were not done because I didnt have the funds to do so in the first place, because Chase Bank put me in over a - {$4000.00} situation that I have been spiraling from, since. 

I am unsure which entity of Chase Bank this is, but it is XXXX  of the subsidiaries of Chase.
Product: Bank account or service

A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Bank of America can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Bank of America bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Bank of America still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Bank of America will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. Thanks.
Product: Debt collection

This issue resulted from having XXXX internet service installed in my apartment. The service did not work as advertised and I was charged by XXXX to have a service tech visit my home to correct it. My entire apartment community was brand new and came pre-wired specifically with the XXXX service only. However, the connections in my unit were not installed correctly and had to be adjusted by the service tech. After receiving a bill for the the service tech visit, I made several attempts to explain and resolve this issue with XXXX and the collection agency they assigned to debt too, with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX  XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, this company is in violation of my rights. The account status is incorrect. That status shows this as an open account and a collection/chargeoff. It also shows an incorrect balance. The date of last activity is incorrect which means that this company is reaging the account and that is a violation. Please delete this from my consumer report. 

Attn : SpringOak Capital
Product: Prepaid card

I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment. 

We were due a refund of {$1000.00}. 

We received a PrePaid Debit Card in that amount issued by Fifth Third Bank. 

We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds. 

The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself. 

The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO. 

I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened and maintained. I've contacted the company and communicated with them that it was fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I contacted them they are unable verify the debt. They requested that I notify Experian so the item can be removed.
Product: Mortgage

Once again were having a very difficult time with SPS to avoid foreclosure. We have been denied for a modification. We were told by SPS we can apply for a short sale which we have done. On our first submission was declined due to the fact SPS want a full payoff. Our Realtor then went back to our 2nd Len holder ( XXXX )and resubmitted the short sale and over the past 3 weeks is getting the short sale approval. In the mean time SPS has decided to go against its word and place the sale date that was on hold too ACTIVE. Back doored again! We now have a sale  date of XX/XX/19. Please place the short sale on hold so we can complete the short sale and avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

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

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error in the reported monthly payment amount for my XXXX XXXX credit card account ( Account Number : XXXX ). According to the information provided by your bureau, the amount I am reported to pay monthly is incorrect. I believe that the reported amount does not accurately reflect the payments I have been making. The correct amount should be {$25.00}. Please update my report to reflect this.