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

I ordered a Quad Salt Cabin with Halogenerator and Salt Wall Kit https : XX/XX/XXXX and a wholesale premier starter kit salt lamp wholesale https : XX/XX/XXXX from XXXX XX/XX/XXXX at XX/XX/XXXX XXXX XXXX XX/XX/2020, for {$7000.00}. I received part of the order on XX/XX/XXXX. To start, XXXX XXXX sent a different item than ordered. What he did send out was non-operational, nor did it have all the items to make it a complete unit. The salt lamp kit never was shipped. I contacted XXXX XXXX by phone and email to let him know I was sent the wrong items. He was unwilling to make this right so I told him I am entering a dispute with the credit card company hoping he would resolve this. He refused to do so. I asked many times to return said items. He refused. I entered a dispute. XXXX XXXX then changed his website to accommodate his story. ( I have the before and after ) Initially, the credit card company sided with me and refunded the money. They reversed the charges and said I needed to send the items back. I spent {$420.00} to ship it back. They refunded my money at that time. XXXX XXXX refused the return shipment so it sat at the shipping company. I explained to XXXX XXXX it was {$420.00} to return ship and now the shipping company is charging {$17.00} a day for storage. He said he will not pay any of it. Meanwhile, he told the credit card company I never initiated a return. He also claimed our business was closed due to COVID-19 as we are a massage facility and we had been in financial ruins. This was furthest from the truth. We do not have any massage therapists or any therapy of the sorts. We have a practitioner 's office and a health food/ supplement store of which both are essential and have NEVER closed due to COVID-19. The other issue is we paid this item off BEFORE we even received it! According to the shipping company, XXXX XXXX has accepted the return of the shipment. The credit card company has now charged me the {$7000.00} and {$760.00} interest of which some of the interest they have removed and then added back. The other issue I have with the credit card company is I sent 60+ pages of information for the rebuttal of the dispute to the P.O. Box they told me to send the information to and I verified it was received by USPS tracking but when I called to see if any progress was being made they stated it was received but misplaced. So I was told to fax the information. I then faxed in over 60 pages on 2 faxes and I waited to hear from them. I called to see where the case was at and they said they had received the information and a dispute specialist will look at the documents. In the meantime, they closed out the dispute. They never looked at the information. They later sent another letter they can not respond to additional correspondence or phone calls. I have 60+ pages of documentation.
Product: Credit reporting or other personal consumer reports

There was an attempt to open an account with OneMain XXXX. Inquiring about a letter I received informing me I was denied credit with One Main XXXX, I called One Main XXXX. As of XXXX, I had been sick for XXXX days due to a covid XXXX. Credit cards were not applied for by me.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize, which suggests that my identity may have been stolen. I did not authorize these accounts, and I have previously raised this issue. I am now requesting that these unauthorized accounts be removed from my report immediately. Their presence is causing me significant distress and does not accurately reflect my credit history or financial management. Addressing this issue has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter promptly.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2022, I started a transfer to Crypto.com. During which my funds were placed into the wrong location by a glitch of the UI/Design of the application. 
The amount of {$1500.00} worth of Bitcoin was to be transferred from my account to my crypto.com XXXX XXXX. 

During the transaction, the account sent the funds to a VOID/Created wallet that I DID NOT have ownership of. 

This is a violation of the use of my goods/serivces. The company owns BOTH the brokerage and the wallet. As a customer, I expect to be able to use my funds or be helped to receive assiance in the matter.
Product: Credit card or prepaid card

US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. 

In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. 

If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  XXXX Account Number : XXXX, and so on.
Product: Payday loan, title loan, or personal loan

I took out a car loan from Hyundai Motor Finance in XX/XX/XXXX. My payments are automatically withdrawn from my bank account and I was assured that I was permitted to make principal-only additional payments.I made my first principal-only payment of {$200.00} on XX/XX/XXXX and noticed that it was divided into principal and interest. I called XXXX and spoke with a representative. I was told that all payments were added as principal and interest unless I called and had them redistribute to principal-only. I made a second principal-only payment on XX/XX/XXXX in the amount of {$300.00} and it was credited as {$280.00} principal and {$17.00} as interest. I called their customer service number on Friday of that week and requested the change. I was told that it would be made but would take up to 3 business days. I called again on the following Friday was was told that the change had been made ; I pointed out that according to my account it hadn't been. I was assured the error would be corrected within 3 business days. I proceeded to call each Friday for the next 4 weeks and was told that I should ignore my statement since the change had been made. I then contacted them by email at XXXX and asked for their help in correcting the error on my account. They responded to my first two emails but have not responded since. My emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with a final email sent on XX/XX/XXXX. As of today the issue has not been rectified. 

I have attached 2 files : 1 showing my payments and 1 containing the email I sent the company.
Product: Credit reporting or other personal consumer reports

Consumer Name : Name : XXXX XXXX XXXX XXXX XXXXXX/XX/year> SSN- XXXX Address- XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Contents of Complaint : This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equafax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$660.00} These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Payday loan, title loan, or personal loan

One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. 

XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX  and XXXX medications. I truly thought that these nice people were trying to help me.. 
This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Debt collection

I did not take out the loan and I dont want them reporting to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXX-discharged Reference number : 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I am receiving repeated phone calls from agents claiming to be from Comentiy bank, regarding a XXXX account. I receive 3 -5 calls daily from different phone numbers and different agents. These agents have also somehow manged to obtain phone numbers for my daughter who is a college student and my father, who is in supported living, and they are making threats to my family memebers regarding me and my collection status. 

I have made payments to this account. I have also asked to have some consistency and work with one agent. They always refuse, and they refuse to provide any kind of documentation or verification with who they are working with. They repeated ask for my full banking information, which I always refuse to offer, since they can not authenticate themselves. I believe this to be either a scam or harassment.
Product: Credit card

In XXXX XXXX, I was given a {$1100.00} credit limit on a Sears credit card. I purchased a XXXX XXXX XXXX XXXX including a XXXX extended warranty for {$1100.00} from Sears, yet today ( XXXX ) I still owe over {$1200.00} for the same TV. I have never missed a payment on this card -- until XXXX XXXX when all of my creditors went unpaid due to a " bank 's error ''. My bank corrected the error and gave me a letter to submit to my creditors explaining the problem, in which I also sent XXXX to Citibank ( Sears ) too. However, some creditors waived their late fee, but still wanted double payments. In XXXX I paid my normal payment to Citibank. Then in XXXX I get a letter stating that I owe another XXXX payments plus late fees. I called Citibank and spoke to a woman name XXXX, I explained to her that I did not have the amount of money they were asking for and I would appreciate it if they would let me pay a lesser amount, ( over the minimum ), for about XXXX or 4 months to get caught up. They agreed to let me pay the lesser amount of {$50.00} at 10 % interest for 12 months, and then after the 12 months has ended, my interest rate will revert to the 25.24 %. I was told that I had to agree or the late fees would keep coming. Also, they would permanently close my credit card account and the payments I make will not appear on the Credit Bureau Agencies -- only that my payments are pass due. Does the law allow them to do this? I feel this is so unfair for Citibank to treat me this way and to deliberately not report the payments we agreed to for this card in order to hurt my credit further. 
This is the first time I have ever had a payment issue since I had this card except my inquiries as to why my balance was not decreasing. A few years after the account was opened, in a pinch, I used the card to purchase gas for my car once or twice, and XXXX of those times it was for only {$17.00} -- then about 3yrs ago I was able to purchase a {$140.00} or {$160.00} for a sewing machine. Other than that there was hardly ever " available credit '' for any constant use of the card, since the Balance remained over or above $ XXXX, even though I paid over the minimum amount due each month. I telephoned Sears on XXXX to inquire again about lowering my interest rate so that my account balance would go down and person I spoke to laughed and said " it 's a credit card, what do you expect ''. I told her I did n't expect to spend the rest of my life paying for a TV. And she added that the interest rate I have was the best they could offer me at that time. So, at that time I cancelled the Account Care insurance as well as the {$8.00} a month Accidental Life Insurance thru XXXX -- still no change in the account balance. 
I will appreciate any advice you can offer if you find or see another resolution to this problem. 
Thank you in advance, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting

Hello, Experian is reporting the following information in error I believe and would like it corrected : 1. XXXX, {$240.00}. 
This item was paid directly to the hospital and was to be removed as an error per XXXX in Hospital Billing. 

2. Account XXXX - {$780.00} XXXX that account as to reflect {$0.00} status as agreed. Item still being provided via my consumer report in error. 

3. XXXX Account is current and paid as agreed. 

4. XXXX Account is current and paid as agreed.
Product: Credit card or prepaid card

I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.
Product: Mortgage

Fay Servicing LLC has not applied our monthly payments to our loan correctly in XXXX. In XX/XX/XXXX, our payment went up {$200.00} due to low escrow fund balance, which was not communicated effectively nor were we provided the opportunity to make an additional payment to bring the escrow up to the " proper amount '' and keep payment at same amount as arranged previously. We received a " notice of Default '' for XXXX, XXXX, and XXXX payments which were not applied to correct months. This was quickly rectified by sending in additional payments as a short-term solution. This was handled very unprofessionally by account management including Assistant and Vice President of Fay Servicing. From XX/XX/XXXX through XX/XX/XXXX, payments were received however funds were placed into suspense account still. Since the past four months have NOT been applied correctly to our loan, funds did not get applied to escrow account which fell short for year-end total to pay property taxes and now my escrow account is - {$600.00}. Also, because funds were not properly applied to our loan, the interest was not paid correctly for much of XXXX so the amount which is provided to IRS is not accurate. Through many, MANY hours spent making MULTIPLE phone calls talking in circles with unhelpful " supervisors '' who have not yet solved this year long issue that has caused so much emotional stress to our family. Fay Servicing has had 12 billing cycles to correct these errors but has not yet corrected this issue.
Product: Student loan

The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX