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

In XXXX  I used over XXXX Capital One points to purchase two Business Class tickets on XXXX XXXX for a river cruise in XXXX. The cruise was canceled due to COVID-19. I requested a refund from the airlines for the cash portion I paid for the ticket, and I requested Capital One credit back to my account the points that I used to purchase the airfare ticket, explaining to them the entire trip was canceled due to COVID-19. The airline immediately gave me a refund back to my credit card. The Capital One representative said it would take up to a month to credit my account with the points. Fast forward to today : It has been well over a month and the points have not been returned to my account by Capital One. They do not dispute any of the facts or information I provided to them. When I call all they say is my request is " being looked into. '' Meanwhile, there are many things I need that I could purchase with my points, but Capital One refuses to return the points to my account.
Product: Checking or savings account

My Ally Bank card was charged {$890.00} from an unknown merchant and was an unauthorized transaction. To solve this, I contacted my bank and although providing evidence and a XXXX police report, they refused to consider fraud. Along with this, customer reps from Ally lied multiple times about filing a fraud dispute claim when calling. As a young man straight out of college at his first job, {$890.00} is quite a bit of money for Ally to refuse reimbursement. Along with this, I have been a customer for over 5 years ( Family 20+ years ) and will have to move banks since they can not even keep my money safe.
Product: Credit card

I took 2 cash advances totaling {$60000.00}. This was from Bank of America during the month of XX/XX/year>. This offer charges no interest as long as the principle is paid within 1 year. This is what the terms on their website said : To activate this offer, you must request a Balance Transfer and accept the Terms & Conditions. This is an Online Banking offer and may not be available in financial centers or when calling the bank. Once activated, this offer may be used until XXXX XXXX XXXX 
The current transaction fee for balance transfers is 3 %. Effective XX/XX/year>, the transaction fee for balance transfers will be 4 %, unless you reject by XX/XX/year>. 

I called up on the phone to XXXX to reject the higher balance transfer fee and the automated prompt said it you reject the higher 4 % balance transfer fee, your credit card account will be closed. This information is not to be found anywhere in the terms of the cash advance transfer offer on their website which makes it misleading. 

As a result, instead of paying {$1800.00} for the cash advance, it now will cost {$2400.00}! 

I think a class action lawsuit needs to be started here!
Product: Debt collection

Jefferson capital is stating that i owe a communication company by the name of XXXX, i have sent debt validation letter, asking for proof of debt and amount they are saying is owed, and who they got this information from. This has still not been provided to me. I am now constantly getting harassing texts by this company.
Product: Credit card or prepaid card

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act. I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. XXXX Account # : XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2400.00} Charge off
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by Comenity Capital Bank. 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Product: Payday loan

I took out a {$400.00} payday loan. After several weeks I noticed the company was still deducting the same dollar amount from my checking account. I 've paid more than {$700.00}. I checked the loan document and learned I 'm being charged 766.56 % interest. This is exorbitant!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through Experian & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Product: Credit card

The complaint i am filing is against XXXX XXXX XXXX. They finance my Walmart card ( s ) and XXXX 's card ( s ) .Recently i was informed by XXXX that my XXXX XXXX cards were closed and that the Walmart credit limit on XXXX of my cards was reduced. The reason given for these changes was that they recently re-reviewed my credit report and the report showed delinquencies as well as late payments. I have none of these and I am not understanding where they have come up with this information. i am also wondering why and how they could pull a XXXX credit report without my permission. I am very disturbed by this since the changes have negatively effected my credit history.
Product: Vehicle loan or lease

I have PAID {$280.00} A MONTH FOR 15 MONTHS THE BALANCE NEVER GOES DOWN THE INTEREST RATE IS REDICULOUS. THE SELLER XXXX XXXX. XXXX IN XXXX, UTAH SOLD A " LEMON AND NUMEROUS VEHICLE PROBLEMS ". XXXX XXXX. XXXX OWES ME!!!! I HAVE TRIED NUMEROUS TIMES TO CONTACT XXXX XXXX. XXXX AND THEY HAVE YET TO CONTACT ME. THEY SHOULD " GIVE '' ME AND MY DAUGHTER 2020 NEW VEHICLE 'S ( FROM XXXX DEALERSHIP ) AND XXXX, UTAH PAYS FOR BOTH OUR VEHICLES AS WE WERE DELIBERATELY LIED TO AND OVERCHARGED AND VEHICLES BOTH NUMEROUS PROBLEMS. MY DAUGHTER 'S ENGINE BLEW, MINE HAS COST {$5000.00} BY ME AND {$9000.00} BY MY INSURANCE PROVIDER IN REPAIRS.
Product: Mortgage

I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help. 
Loan number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has take said company more than 60 days to respond to prior complaints they arent reading the complaints they are using a system generated AI platform which the systems is deems it correct information. the XXXX XXXX XXXX I have asked the company to stop calling me to seized all contact me back XXXX. However, I am still receiving threating alerts from the credit card companys credit alert. Stating my credit score has gone done. even though they have charge off the account and written it off as a tax right out. This has caused me great stress health issues. I have called the XXXX XXXX was told the card was reopen and cancelled again XX/XX/XXXX previously it closed in XXXX. Account has been charged off and is a violation of my rights. 15 U.S C 1681 section 602 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 account without my written instructions 15 U.S C 1692C. Without the prior Consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Credit reporting agency is showing incorrect information account has been closed and charged off but is showing a late payment status of XX/XX/XXXX this is false information. Name on the card is incorrect. My Name is XXXX XXXX XXXX not XXXX XXXX XXXX this is a violation of my rights and is inaccurate if this account is not removed, I will seek legal action against XXXX XXXX and Experian for misleading information 15 U.S. Code 1692c - Communication in connection with debt collection. XXXX
Product: Credit card or prepaid card

I applied citi costco card last year and never receive the card and never receive the statement. I never been worry about the balance because I never use it. I did credit report for my score about a month ago and found out there is past due amount with interest charge. I then contacted citi what is the balance for and they said the charge was for costco membership by XX/XX/2020, they verify my address was not include unit number that's why I have not receive my card and statement. I told then if they can wave off some of my interest then I will pay off but they said this case has been sent to debt collector which never answer the phone. Its only {$120.00} membership fee charge by costco without my authorization, talked to costco for help but no luck. I don't mind to pay for my membership fee and I have never late for my payment that I always pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX, La XXXX. XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, la XXXX
Product: Debt collection

On XX/XX/2013 I paid off my debt that went to collections of {$270.00} and I received a letter from credit bureau associates stating that my debt has been paid in full and I also received another letter stating that I would have the " reference account '' deleted from my credit report since it was paid off. I had recently checked my credit report at my local bank and it shows that this debt is still attached to my mine name and is listed as unpaid. It has affected my credit score immensely because of this debt that should have been taken care of years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Product: Student loan

I was in school and did not graduate until XX/XX/XXXX. For reasons I am unaware of my University had me listed as graduating in XX/XX/XXXX. This created 30 day lates on all of my student loans and ruined my credit. I have since contacted the University and have received evidence I was in school and sent this to all of my student loans and all of the late pays have been corrected except Nelnet. Nelnet has refused to remove the late pays, even though they have received the same information I submitted to all of my other Student Loan Companies. How can this documentation provided be sufficient for my other student loans, but not this one? I  have never had a 30 day late in over 14 years of credit history. It is clear to me I can pay my debts on time. This situation has taken over 6 months now to be corrected and needs to be fixed. 

Thank you
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX  XXXX through CFPB Account # XXXX for not reporting on my credit reports as an ( Authorized User ) on Acct # XXXX. XXXX XXXX responded back stating that they have requested XXXX and Experian to report the account in which they have done BUT STILL ISN'T REPORTING THE CREDIT AGE OF XXXX. I have the right to have the age reported by law in which I am intitled under the FCRA ACT.. 
XXXX XXXX Experian are " ONLY '' reporting my XXXX XXXX Account & credit age of XXXX. 
XXXX isn't reporting the account AT ALL.. Which was disputed THROUGH AGAIN CFPB # XXXX to add acct # XXXX to my credit report but instead of adding the account it was DELETED during the dispute WHY?. 
XXXX XXXX sent back a letter ON XXXX XXXX stating that they asked XXXX to add my account back as a Authorize User on my credit report which XXXX stated that I was ineligible & refused. 
XXXX XXXX stated that I needed also for the primary card holder to contact them about the account add in which my son XXXX XXXX did and upgraded my permissions. XXXX XXXX stated as well that I would have to contact XXXX and update them on what's going on. 
I then called XXXX about the decision that they stated to XXXX XXXX I spoke with XXXX from the dispute department, reading to her the notification email in which I received from XXXX XXXX about the account add. XXXX stated that the complaint would be expedited to their maintenance department for reinstatement because I never disputed for a removal if you read the dispute. I ONLY asked for an update. I spoke with XXXX on XX/XX/24 she said it will take 3 days for the maintenance department to contact me back on this matter for reinstatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me XXXX XXXX XXXX XXXX XXXXver XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score XXXX XXXX XXXX XXXX XXXX XXXXs clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a call from someone claiming to be attorneys office asking if I seen most recent credit report where XXXX XXXX XXXX was added to my report. I stated no and was told I still had a balance that a lien was put on my house for the amount owed. I stated I wasnt aware of such and I would have to look into as the loan was paid. I was given no options other to pay right then. I checked my credit once I got home from work to find this on my credit. I went to dispute it through the credit bureau and it came up it was disputed in XXXX which is odd if I wasnt aware of this and it was showing it was added to my report in XXXX. I believe this person who claimed to be an attorney could be a scam looking for money may have had this so called disputed through their company knowingly i would dispute it through the credit bureau so i couldnt do anything with it and have to pay. However they offered me no other information on this account. So Im looking to dispute this on my account.
Product: Checking or savings account

I have a {$50000.00} CD with USBank. I telephoned USBank XXXX on two occasions to ask how I redeem my CD. I was told that my CD expired on XX/XX/XXXX and that I had a grace period to redeem beginning on XX/XX/XXXX. I was told that because I do not have a savings/checking account with USBank that they would mail me a cashier check when I called during the grace period to redeem. 
On XX/XX/XXXX, I received an unsolicited telephone call from USBank in Missouri from XXXX ( her number XXXX ). She asked me to roll over my CD. I told her that I was going to redeem the CD. XXXX told me that the only way I could redeem the CD was to either travel to Missouri ( I live in Arkansas ) to receive my money or to open an account with USBank. I am not able to travel to Missouri. XXXX said that USBank would NOT mail me cashiers check. I asked to speak to her supervisor, but the supervisor ( XXXX ) was not available and would return a phone call to me, of which at this time, I have not been telephoned. 
After speaking with XXXX, I once again called USBank at their XXXX number ( see above ). 
The customer service person, XXXX, told me that it was standard procedure for me to telephone the XXXX number during the grace period and a cashiers check would be mailed to me if I did not have a USBank account. 
I have 7 business days from today to begin a resolution on how I can get this CD redeemed. 
I also read the disclosure statement on the USBank webpage regarding their " Time Deposits '' ( C.D.s ) and it says that a CD may be redeemed, but it does not state how it can be redeemed.