23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please excuse any typos Im dictating this on my XXXX and I have XXXX  which XXXX XXXX XXXX XXXX XXXX well. 
The issue is with bases practice is around there. No more worry insurance on furniture. The way it works. Is you buy insurance for five years if you dont use the insurance, the policy gets reimbursed now first of all, its a scam to begin with because the furniture and they were dealing with a very high-end from XXXX XXXX  and should come with a five year warranty that doesnt require an added warranty, so its just a way of sucking you in paying more for your furniture XXXX and this is the real killer they dont notify you when your policy expires so if you dont keep track of yourself five years later and file on time your claim youre out of luck I think this is a very the stuff this up to practice very on consumer, friendly, and just deliberately delivered and its in blatant And its and its deceptiveness I recently had this happened to me with the purchase. I made five years ago and missed it by a month. Theres no way of escalating it or disputing it within Macys. Their customer service process is totally broken. Any customer service agent Ive tried to talk to just passed me on to somebody else most of them dont speak English very well. Ive had global jobs with companies like XXXX and understand accidents from people around the world, I cant understand these human. These human beings are working Macys customer service and theyre stateside. Youre not offshore I can not understand what youre saying I want day I spoke to three different customer service agents all of whom I could not understand they talk into the collar they dont annunciate they dont care the customer cant understand what theyre saying. They provide no solution to it. Theyre totally insular. Its a very aggravating Situation and here I am trying to spend $ XXXX {$20000.00} on furniture at a company who is practically bankrupt and can really use high net worth customers like myself By the way, your website doesnt work very well. Im trying to click the button about publishing this and Ive done it multiple times on a new XXXX and it doesnt want to click you need to fix it. Your your service is just as aggravating as Macys which is not unusual for a government entity. Sorry for the for the insult you deserve it. Ill keep dry. there is finally work.
Product: Payday loan, title loan, personal loan, or advance loan

This loan was a deferred interest promotion loan for 12 months, payoff within a year and the accrued interest will not be applied. 
End of the promotion and start of payments were on XXXX. 
Per the financing contract, in multiple areas but specifically pages 11 and 12 state how the deferred interest will be applied and payment application in priority order of each payment. 
Original Amount Of Loan : {$19000.00}. Monthly Payments : {$320.00}. 

Per the Contract : Page 11 " If you pay less than the entire Amount Financed during the Promotional Period, then when the Promotional Period ends, your Loan balance will reflect the unpaid Amount Financed and the interest that accrued from the date Disbursement Date ( s ). Your Loan will be re-amortized at the end of the Promotional Period and, assuming you are not in default under the Loan Agreement, your monthly payment will be lowered to an amount that will fully repay the Loan by the maturity date. '' PAYMENT APPLICATION : To the extent permitted by law, COPY VIEW During the Promotional Period, we apply payments to the Amount Financed. After the Promotional Period, we apply any payment we receive in the following order : ( 1 ) past interest and principal ; ( 2 ) current interest and principal ; ( 3 ) past fees ; and ( 4 ) current fees.

So far every payment that has been made has gone to the deferred interest ONLY and not the Re-amoritized amount as stated in the contract. And since the " Normal '' monthly payments are not being made, the account is accruing an additional interest balance at the same time. Increasing the total amount owed yet again the original loan balance has not decreased, re-amoritized etc. Each monthly billing cycle month after month actually indicate the number of payments left to be made and each month shows the number of payments left increasing, not decreasing. Also in my account details logged in, shows that there has been no interest paid what so ever during this time and with each billing cycle the " deferred interest '' shows up as random other fees, such as late fees and NSF fees. Overall appears as though I am not making my payments at all. 

I have called XXXX number for consumer loan services and every attempt has been a " Laugh in your face, we will do things how we want to '' experience. The entirety of my questioning is " Why are the loan payments not being applied as our contract states? ". Every answer given does not only have nothing to do with what is stated in the contract but attempt to be conveyed as " Well its in your best interest for the loan not to be re-amoritized because that will make your payments go up. Now you wouldn't want that would you? ". And also stated word for word " There is no one that can make your payments be applied as you are stating. The deferred interest has to be paid off first and will not be added to the loan balance ''. As stated in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : EXPERIAN, XXXX AND XXXX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.
Product: Bank account or service

Scottrade a very 'discount ' ( emphasis added - you get what you pay for ) brokerage house and data sieve has provided me with some of my worst banking and employment stories. 

For starters, in XXXX, XXXX, and XXXX, Scottrade was victim of numerous repeated cyberattacks. The cyberattacks, which compromised Social Security numbers, security questions, bank details, and personal information was disclosed by Scottrade two years after it was internally reported as a problem. In fact, Scottrade only acknowledge the hack because the FBI make the hack public and Scottrade did not want to be seen as hiding information. 

In all regards, Scottrade was negligent in failing to exercise reasonable security precautions and failing to comply with industry standards for storing confidential and private personal information. 

Scottrade 's actions and/or omissions occurred despite prior warnings, including prior incursions of their network by third parties, who conducted fraudulent stock trades using Scottrade 's customers ' accounts, and even fines from government agencies concerning its system 's security procedures and oversight. - All of this and Scottrade still refused to fix their security systems. 

If Scottrade had heeded warnings and taken necessary precautions, it could have prevented the breach or at least predicted it much sooner and reduced the harm to its customers. 

If there is anything to take from this, it is that Scottrade 's operates a very " discount '' brokerage and omits basic tenants of good faith, cybersecurity, and basic customer service. In fact, in appears Scottrade 's only concern in this matter was how to bury the situation with the least amount of money burnt. And this goes to the heart of the issue. In XXXX and XXXX, when Scottrade was informed by employees and security experts of their cybersecurity failures, Socttrade chose not to fix those vulnerabilities and instead chose to pay large bonuses to its executive and managers. 

It truly is no wonder this business is continuing to see double digit percentage declines in customer satisfaction and retention.
Product: Debt collection

This account looks to have been opened up in my name by my someone that I had given access to my home to babysit my daughter
Product: Credit reporting, credit repair services, or other personal consumer reports

My dad passed and was faced with financial difficulties. I have reached out to the company for bereavement assistance and none was provided, just payment arrangement 's only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a pay for delete and it wasnt deleted. 

I recently did a pay for delete on a debt for XXXX on XX/XX/20 in the amount of {$660.00}. I called them to ask for a deletion under the instruction of a credit advisor for XXXX XXXX who was helping me get my credit up for my first home and needed some stuff removed. 

After explaining the situation to them and why it went to collections to begin with they stated I do qualify for deletion. The company was Source Receivables Management. 

I paid {$670.00} in full and received a letter from the this collection agency confirming it has been paid in full and that they have submitted for deletion to all credit bureaus they reported to. 

It was never updated or deleted though. I submitted a dispute through XXXX to have it deleted and included the letter from the collection company stating that it is to be deleted. 

But XXXX  didnt delete it, they just updated it to a {$0.00} balance but left the collection still on there which I couldnt have. They gave me a notification that the information I disputed has been verified and so was left on my report, even though I presented the letter straight from the collection agency stating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX app and XXXX XXXX, My Equifax has not updated since XX/XX/XXXX in XXXX XXXX  and since XXXX in XXXX App with my membership that show all 3 credit scores. I have called Equifax who keeps telling me that it is because nothing is being reported which is absolutely false because the other two bureaus have been reporting each month with no issue
Product: Credit card or prepaid card

I was divorced XX/XX/XXXX. My ex-wife lives at XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. I moved to XXXX XXXX  years ago and am a full-time resident here in XXXX, XXXX. I have not returned to Wisconsin since moving here even for a visit. My daughter, XXXX XXXX XXXX, is my contact person in the US for banking, investment and mail forwarding information. On XX/XX/XXXX, my ex-wife received correspondence from Wells Fargo Card Services addressed to XXXX XXXX at her address welcoming me to their credit card family. A copy of the letter is attached. Included in the envelope was a credit card stating to call to open the account for use. My ex-wife gave the material to my daughter who emailed me in XXXX asking what it was all about. I told her that I did not open any account with Wells Fargo and for her to shred the credit card which she did ( email attached ). My Social Security number was on the documentation but the name was not the name I use for ANY purposes. I use XXXX XXXX XXXX or my full name XXXX XXXX XXXX - NEVER simply XXXX XXXX. I called Wells Fargo and was directed to the XXXX XXXX to a research and remediation analyst and explained this fraudulent issue. After some weeks, Wells Fargo sent me a letter ( copy attached ) stating they found no fraud had occurred and that the credit card was activated ( which it was not - it was shredded ). Further correspondence from Wells Fargo was very confusing in that they referred to TWO different accounts - one ending in XXXX and another ending in XXXX. They have failed to explain the two different accounts. One refers to a balance of {$5000.00} ( even though I was told that the card had a {$4500.00} limit ). By the end of XXXX, XXXX, I received a resolution letter from Wells Fargo, picture attached, stating that it was authorized by me and the case is closed! An identity Theft Report was filed with the Federal Trade Commission on XX/XX/XXXX. I followed all their list of things to do including letters to parties involved, contact credit bureaus, ordered a XXXX report. On my credit report from XXXX, on the third page, I noticed someone has been paying the monthly balance. I have never sent any payment to Wells Fargo. A copy of the pages from XXXX  are attached. In addition to the fraudulent Wells Fargo credit card ( s ), my ex-wife received correspondence from XXXX XXXX XXXX XXXX which was an IRS Form 1099-INT statement in my name ( XXXX XXXX ) sent to the XXXX XXXX, WI address. I included this information in the FTC report and called XXXX XXXX. They researched this investment account and promptly closed it and froze the information included. They apologized for this and realized it was fraud - but not Wells Fargo who insists it is MY account that I took out which is physically impossible with me living in XXXX! And it is not even my full name that I always use.
Product: Debt collection

The company listed below has provided false information for a debt that I do not owe. I have requested proof of the debt and it is not mine and they can not provide it to support the amount requested. The request is that this company stop reporting a collection for {$1200.00} as it is not mine. 
Contact info Name WAKEFIELD & ASSOCIATES Address XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX I have contacted them and they have failed to provide the supporting documents and have ignored my request and demand that they stop reporting information that is incorrect. 
The fair credit reporting act laws and regulations have been ignored and this company is violating my rights as this is not my debt.
Product: Credit reporting or other personal consumer reports

I show XXXX XXXX XXXX is listed on all three of my credit reports. 
This is not my account and needs to be removed immediately.
Product: Checking or savings account

On XX/XX/XXXX, I had a balance of {$25.00}, and I needed to pay my credit card payment of {$93.00}, so I deposited {$70.00} into my account and submitted the payment. At night, I again checked my statement to insure funds were above {$0.00} and I had {$2.00}. I even had a notification from them that I had a balance of this amount. I also knew that I had {$70.00} processing into the account the next morning, so I went to sleep knowing that I would never dip below {$0.00}. Then I wake up on XX/XX/XXXX to a {$35.00} overdraft fee, yet still a positive balance of {$26.00}. Apparently at midnight, a charge from XX/XX/XXXX was removed from the account and reposted, brining me down to - {$8.00} for a few hours before my money was deposited ( all while I was asleep ). After being with Bank of America for over 7 years, I was sure that if I gave them a call and explained the rare situation they could waive my fee. But I was wrong, and after talking to a representative and 2 additional levels of management, they decided to let me cancel my account rather than waive my {$35.00} fee that I did everything in my power to prevent. Instead of trying to understand my situation, they argued with me and told me i need to write down every transaction that i do. What is the point of having a bank handle my money then? With so many other options for banking ( and my credit card, which I will be transferring soon ) I decided to cancel. I don't think that it is right for them to charge these fees in the middle of the night when I have no way to prevent or fix the situation. I look forward to telling my story to family and friends, many of which have Bank of America. Never again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing this account for over a year now and it has not been removed after taking the steps to clear with company and bureaus to remove accounting which is unknown to me. Experian has not made it accessible for me to talk to a rep/agent to update or dispute even though I have sent certified mail protesting this account as well ... .no changes have occurred. 

DISPUTE SUBMISSION FAILED after I tried again to dispute accounting. 

XXXX XXXX Not mine or No knowledge of account Looks like you've already filed a dispute for this item Under Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX  : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX has not been updated since XX/XX/19 as paid and no balance of {$0.00}
Product: Credit card or prepaid card

I made a airline ticket purchase online through XXXX XXXX service for XXXX on XX/XX/31 and XXXX XXXX contacted me in XXXX stating my flight tickets were fraudulently purchases or charged and they would not be able to give me these tickets. We cancelled the fraudulently purchased ones and had XXXX new tickets re issued. I contacted XXXX XXXX  who stated whey would not refund because my tickets were fine ( not ) and i filed a dispute through Citibank and they cancelled my card and sent me a new one and did an investigation through their incorrect dept internally stating since i corresponded wit hthe vendor i was responsible, however they realized it was to be processed and handled through their billing dispute dept since it was for a charge i attempted but did not receive any good or services as it was a fraudulent sale. i have tried numbers time in 3 months to reach someone and get it transferred and they keep telling me XXXX days then nothing happens and i keep starting all over, without any refund. 
i did not receive anything from this vendor. This vendors charge was fraudulent and they never gave me a ticket or a refund.
Product: Credit card or prepaid card

On several occasions ( XXXX ) I have tried to reach someone in costumer service today XX/XX/2020 I tried again to get through and was on hold for over 20 minutes and hung up. 

3 Years ago I have made no more than {$600.00} in purchases, and while making payments on my account with a {$9000.00} limit the interest charges are deducted from the credit limit and the interest was based on the balance each month. this left my interest and charge fess higher than my monthly payment which amounted to around {$240.00} each month. 

In all of this time the interest was so big that it completely eat up the limit balance on the card, which left in me in a vicious cycle of never paying down the money owed. with in 2 years I was able to get the balance down {$2000.00} and I asked Walmart Capital One to reduce the balance down. Now it is back up to the high bank fees and interest charges that have again gone beyond what I can afford monthly the {$240.00}. This is a unfair and infantile game that is forced on me as an consumer.
Product: Debt collection

You are reporting this collection with a past due amount of ( {$930.00} ). 
This is inaccurate reporting and needs to be removed immediately. Please send copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX
Product: Mortgage

requested payoff from company after them telling me for weeks that my modification was in review, company told me that my modification was in review instead of telling me it was still going to foreclosure, someone came to my house and told me my home was going to auction in the morning and wanted to take some pictures, I immediately got on the phone and asked for a payoff amount to stop the foreclosure. paid the amount they requested, then after the fact they are still saying I owe over 5k on the loan, I have requested a full audit of the mortgage and have requested several times, and still not able to provide a full audit, I need the audit to provide to my attorney. Requested again on XXXX and they told me it would be mailed out in 3 to 5 business days after waiting on the line for two hours to talk with a representative. I would think a company could provide a detailed analysis of the mortgage. I want it from when the loan started. the fees they have charged are not fair and when I payoff request is provided and should include everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 : USC:1681 section 602, states I have the right to privacy 15 : USC:1681 section 604 A section 2.it also states a consumer reporting agency can not furnish a account without written instruction. 
15 : USC:1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/year> XXXX XXXX  XXXX Balance XXXX {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00}