23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had opened a card with XXXX a while back ( through XXXX XXXX XXXX  ) shortly after opening the card I lost my job and was unable to pay the debt of {$250.00} ( the limit was only {$300.00} ). I thought they had closed out the credit card since it was over my limit due to interest owed and I was not able to pay the minimum balance due since then. I did not receive any interim bills until I received a notice almost a year later that I owed {$900.00} and the card was closed and sent to collections. ( Which I thought had already been done a while ago ) It was my understanding that if the card was delinquent more than a certain number of months Usually around 3 to 6 months that they would close the card. When a card is closed the account is usually closed along with it in essence ending the relationship. when the relationship was discontinued the charges for the card should have been discontinued with it. I recently attempted to settle the debt with the company, Spring Oaks Capital, who acquired the debt from XXXX XXXX XXXX. The representative with whom I spoke would not reduce the amount owed to less than {$630.00} ( 6 payments of {$100.00} ). When I told the representative I could not afford that as it has been hard to get a job during the pandemic and have other debt that has accumulated, which I am currently attempting to settle, She offered me a settlement of 12 payments of {$70.00} which is the full amount of almost {$900.00}. When I told her that would not do as well she came back to me and told me if I paid the full amount on that date she could reduce it to {$640.00} ( which is more than her initial offer ). I feel that they are attempting to take advantage of the situation and fleece me for more money than I should be paying. Since I was unaware that the account was still open, and should not have been I was taken advantage of and the company is trying to collect about {$650.00} more than what I had initially owed to the company. this is unfair loan practices that is taking advantage of a consumers lack of knowledge of a situation. I am willing to pay what was owed and nothing more, however the representative was very uncooperative. I feel that the company was deceitful in allowing a delinquent account to rack up that much in fees before closing the card
Product: Debt collection

ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have an XXXX XXXX XXXX credit card account provided by Synchrony bank. I have noticed that my billing statements include charges for a card security program at a rate of {$1.00} per {$100.00} of account balance and that I have been billed for this each month going back to at least XX/XX/XXXX ( possibly further back as XXXX doesn't allow ume to see statements further into the past ). 

I did not ask to be enrolled in this program. However, as I did lose my income in XX/XX/XXXX, I called Synchrony XXXX differnet times to see about claiming an unemployment benefit under this program. The representative that I spoke to each time stated that this account is not enrolled in the card security program and never has been enrolled. At a minimum Synchrony bank has charged me {$1200.00} in erroneous fees ( likely much more ).
Product: Credit card or prepaid card

I opened up a dispute with the issuing bank of this credit card, which is TD Bank over the phone almost two months ago now. Their rep was clearly incompetent and did not submit it correctly or the bank chose to ignore my issue. I sincerely hope it was not the later because the response I received in regard to the dispute which was closed, not in my favor did not make sense, at all. It was all wrong. I am not even sure where they got the info from. They actually stated things that I did not claim. 
I called and was told that if I wanted to open the dispute, this time it had to be in writing, by mail. They made me print out the form, fill it out or attach a letter and send it in by mail. Why I am not sure. To make my life difficult? However, I complied. No response at all to date. Nothing is happening. Its about two weeks already since it was mailed and my account shows nothing. It does not show it is under any type of review or dispute, it shows I am responsible for the min payment which I should not be if under a dispute. I have no idea what this bank is doing. Consequently, I have also been disputing this with the vendor directly. I am not sitting idle while waiting for a dispute. I have reported them to the XXXX  and to the Attorney General as I am waiting for this bank 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted Equifax by mail on XX/XX/2023 to initiate a dispute of unknown/unauthorized hard inquiries on my consumer report. I never received any letter back on whether they investigated my disputes. I contacted Equifax by phone on XX/XX/2023 and spoke with XXXX XXXX she refused to provide an employee number ) who said her " system is giving a message that they can not submit a dispute '' and I have to reach out to the companies individually even when I said the inquiries were fraudulent. A supervisor named XXXX then stated that I would have to provide a copy of my social security card, drivers license, and a police report before Equifax would take any action on my complaints. I believe both actions are misstatements of the law, and they are refusing to investigate inaccurate information placed on my consumer report.
Product: Debt collection

XXXX XXXX XXXX XXXX has fabricated a baseless, criminally fraudulent debt claim against me in the amount of {$1400.00}. XXXX has never supported their fraudulent claim. They have turned this fraudulent debt claim over to at least 3 different collection agencies at this same time every year. Despite my refuting their fraudulent claim each and every year, they keep finding some miscreant collector to perpetrate their criminal enterprise. I have written detailed rebuttals on XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX  ) ; and XX/XX/XXXX ( Williams & Fudge, SC ). I'm XXXX XXXX XXXX and am XXXX XXXX and live in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediately upon opening their latest unmarked correspondence last night I went into XXXX and feared for my life. As I've explained to them in writing now on multiple occasions, I have never applied for admission to XXXX ; I have never spoken with anyone from XXXX ; I have never been admitted to XXXX ; I have never entered into any agreement of any kind with XXXX ; I have never set foot on any property owned by XXXX for any purpose ; and I have never otherwise been in conflict with XXXX, and there is thus no judgment against me for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX  XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights XXXX 

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

XXXX XXXX has charged off with profit loss on a closed account as of XX/XX/scrub> 2023 however it is showing a balance on a closed account. The account is being incorrectly reported and I wish to have this balance updated to {$0.00} or deleted from my credit report.
Product: Checking or savings account

Wells Fargo Merchant Services is charging my business for fraud. Hackers were able to use my website to " Fish '' credit cards. None of my customers were compromised and no money was taken from myself or the bank. All of the transactions were declined by XXXX. But, Wells Fargo Merchant Services charged my account a " per '' transaction fee and Interchange Charge fees for each of the transactions that were declined - over 50 pages and XXXX tries by the hackers. This happened on XXXX XXXX and I called to let them know and they called XXXX to be sure I had all of their Smart Authorization checks in place and XXXX said YES. I thought it was all taken care of until I received my statement from Wells Fargo Merchant Services on XX/XX/XXXX and they charged me {$52000.00} for XXXX Auth Fees. They said there was nothing they could do about it because they did not have Fraud insurance and and it is the customers responsibility to keep their accounts safe. I have never had any fraud on my account in the 14 years I have owned my business. They have decided to refund me 80 % since they said " I am a good customer. '' Today is XX/XX/XXXX and I still have not received back the money or heard from them.
Product: Credit card or prepaid card

I applied for a Capital One Secured card in XXXX and paid them a deposit to add to the account. I was XXXXXXXX XXXX XXXX at the time and preparing to move residences. I had a hold mail request that was to have all mail held by the USPS carrier, but once I was released from the hospital the mail was not available at the local post office. I have a claim with USPS, and they ended up forwarding mail to my new address as of this week. I tried speaking with customer service people with Capital One multiple times to not only cancel the original card but also issue a new one to me at my new address.

As part of this process, Capital One requires a ridiculous amount of Identity checks to resolve the issue. When calling Capital One it takes at least 30 to 60 minutes of hold time to simply get a human being to work through the issue. I worked with two different representatives who had me utilize a link to upload a copy of my State-issued ID. I did this in real time, but for whatever reason they would not confirm me. Their automated system makes decisions and would not recognize me. What's crazy is I then escalated and simply wanted my money back to only be told it will take up to 90 days. 

How can it take 90 days when I sent it in an instant and why can't Capital One simply figure out the issues? The customer service representatives are in a XXXX or other call center and simply are not equipped to handle this issue. I can not deal with this with my health and just want my money back at least. I tried to escalate with supervisors and management, but these people just don't care and refuse to work through the issue. I regret even giving them my money at this point. I can't even get a call back from this company. 

This is what's wrong with XXXX. A lack of proper controls and customer service. It is considered theft when a company has these sorts of ridiculous practices.
Product: Credit card or prepaid card

In XX/XX/XXXX ( Between XXXX ) I ordered a XXXX XXXX XXXX XXXX from XXXX costing {$2200.00} for the machine and an additional {$240.00} for In-Home set up of the treadmill. XXXX gave me a Discount of {$120.00} which they later Credited my Account because that supposed to be part of the Special. 
Initially, I thought my payments were to be deferred for One year and thereafter Interest would began to be charged to my account is what the representative that handled my call told me. Not to mention in the beginning dealing with XXXX Reps I had my share of receiving conflicting information from them. Poor Customer Service relations from them. The experience alone should have prompted me not to do business with them and send the equipment back. However, I kept it and believed all would be successful moving forward. To my dismay that has not happened I Never received a physical credit card from the Company XXXX that financed my XXXX XXXX XXXX  from XXXX. I only receive Billing Statements and can access my Account on-line. On XX/XX/XXXX, I called XXXX and spoke with XXXX and questioned her about my Interest Rate charges and she told me that the charges began six months after I purchased the machine. I told her that was unbeknownst to me in the beginning. 
I called XXXX Billing ( XX/XX/XXXX ) to get the correct amount for APR, I was told 26.90 %. XXXX shows on paper that Ive only Paid {$150.00} Year-To-Date in Interest Fees for XXXX. However, I have Paid {$360.00} in Interest Fees. I am unsure how much in Interest Fees I paid in XXXX because when I called to inquire about such data I was told by the Representative ( possibly XX/XX/XXXX ) that he could not access that information and he could only go so far back into XXXX which was XXXX out of that year. I have Never heard of a company not being able to furnish a consumer any of their data or documentation to support facts about their account I no longer have the original bills of XXXX for XXXX, XXXX, XXXX, XXXX XXXX. Thus far, I have Paid {$1100.00} in payments year-to-date XXXX. Paid {$980.00} for XXXX. 
XXXX practices of the on-line system the Pending Status, Balance After Payment or Payment Deductions are lacking tremendously. It never is consistent. Either, I can not see what should be posted or the Balance seemed to keep being elevated and never seeming to be lowered after all the money I have paid toward the machine. I only have missed a total of 3-4 on time payments. I pay more than the Minimum on several occasions because I thought I would see a Decrease. I called them on this in XX/XX/XXXX and told them I was utterly upset and I would seek to have someone look into this further for me because I had had it. A few days later I went on-line and was able to access the Balance to the Account. I feel XXXX Business practices have been Deceptive and Fictitious starting with XXXX the company that starts the initial set up for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

After I paid my credit card in full before the due date the bank still charged me interest saying it was due to the amount was for covering my bank account being short. I had already paid a {$15.00} fee. I believe that is unfair if the bill is paid before the due date.
Product: Student loan

On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Product: Debt collection

Bayview loan servicing sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at Bayview who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a federal express pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was XXXX certified letter and XXXX in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. Bayview is either confused our incompetent either way I think my XXXX year old mother with stage XXXX XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by Bayview and filled out and sent to them
Product: Debt collection

This is a XXXX XXXX Capitol One Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called Capitol One when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.