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

On XX/XX/XXXX, I received my income tax refund on my pre-paid card which was issued to me by " XXXX '', who is represented by the XXXX XXXX XXXX XXXX XXXX. Upon receiving my tax refund that very same day of XXXX XXXX, one of the first purchases I made was an ONLINE purchase with the store " XXXX '' in which I purchased 3 pairs of shoes for a total amount of {$210.00}. Due to XXXX 's own reasoning of being unable to confirm with XXXX, the details of the purchase made, the order was then cancelled by the merchant. I was made aware of this minutes after it happened. I then got in contact with the merchant on XX/XX/XXXX and got the details explaining why my order was cancelled and was also advised that the amount would be returned to my account within a reasonable period of time ( 3-5 business days/24-72 hours ). After patient for over 2 weeks I then called the merchant " XXXX '' to follow up on the refunded amount on XX/XX/XXXX. The merchant then advised me they were going to be sending a fax over to the my financial institution advising them that they were releasing the funds on their side as of XX/XX/XXXX. The same day I received an email confirming they had already addressed the issue with XXXX and the funds should have been credited to my account within 3 days and if I did not receive the amount I was to contact the financial institution. The same day of XX/XX/XXXX I spoke with a representative from XXXX who confirmed the reversal had indeed been initiated and was under review, awaiting approval to proceed with placing the funds back into my account & was told the time frame would be an additional 3-5 business days! On the 5th business day which was on XX/XX/XXXX I contacted XXXX once again because the credit hadn't still been applied to my account. To my surprise when I spoke to a supervisor the supervisor also advised me that the funds had been placed back into my account but I was unable to see the transaction because it was listed as a reversal and it would not appear on my list of transactions. I monitor this account daily and have been monitoring specifically for these funds to be returned and can honestly positively absolutely say that the return of the funds has not been placed back to my account and wish to argue this with the company even though they insist that the funds were placed back as of XX/XX/XXXX. If that were the case why is it the representatives I talk to after XX/XX/XXXX were telling me that I have to wait three to five business days before the funds appear in my account but then after that when  I attempted to investigate why the funds have not been returned they then advised me that they indeed had but had been done days prior to me even initially calling about the funds.
Product: Consumer Loan

My father ( deceased in XX/XX/XXXX ) leased a XXXX in XXXX XXXX $ XXXX month. Being he was XXXX at the time and in failing health he rarely drove the car.. When he passed away my sister and I went to the dealership and advised them - they did n't know how to address the issue of a deceased customer so they got the lease division on the speaker phone. We were advised 'that for deceased customers ' ( their exact words ) all we were responsible for is the remaining lease payments ( XXXX x XXXX months = {$5300.00} ). They would pick up the car and auction it, and anything received above that would be considered 'a wash '. Fast forward to XX/XX/XXXX - I received a statement from a collection agency that {$5500.00} is due!! They did a calculation based on the residual value of the car - rather than the remaining lease payments. I said to the collection agency- why would I turn the car in, knowing that the final bill would potentially exceed the remaining lease payments? We could have driven the car for XXXX months! Hyundai is 'double dipping ' by selling the car PLUS also billing the estate!!! The collection agency actually told me too much- that they hear this from the families of Hyundai lease customers 'all the time '. The rep tried to retract her wording but it was too late! This company needs be brought to court in a class action suit- telling the families one thing when they know the truth is the complete opposite.
Product: Mortgage

Specialized loan servicing denied my certified funds back in XX/XX/XXXX in the amount {$1600.00}. They denied for the reasons that incorrect account number or account closed, On the certified funds to make this payment it is the correct account number. I made the payment on time SLS denied the certified funds. I was notified by SLS of the denial of certified funds and when trying to figure this out for 6 months, SLS does not have any record of denying my certified payment. I made the payment on time SLS denied the certified funds. I need my payment history to show no lates for the last 6 months since SLS denied my certified funds. And again i had the correct account number on the certified funds SLS rejected the payment.
Product: Credit card or prepaid card

Credit Karma pre-approval and denied. Hard inquiries ruining my life
Product: Credit card

I had two cards from Capital One, a Quicksilver and a spark business card. In XXXX I had paid off the quicksilver and much of the spark card. I informed capital one in writing I was closing the account. I had paid off the quicksilver and there was a credit balance. There was about a {$1800.00} balance on the spark card. In XXXX, I noticed new charges on the spark card I did not make since I had closed the account. I immediately disputed all the charges. I have received a complete answer to these charges. I also directed capital one to apply the credit balance from the quicksilver along with any and all cash reward to the spark card, which would reduce the balance. Last month, I received a new statement from quicksilver, which had new transactions. Again, I disputed all charges. I also told them apply the balance from XXXX and all rewards to the Spark card. I have not received any response from Capital One.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX. XXXX, # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. 
The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. 
My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.
Product: Debt collection

Transfinancial Companies and the McCarthy Law Firm, XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX ; XXXX ; Tel : XXXX, have been attempting to collect an alleged medical debt for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. Upon notice from Transfinancial, I responded on XX/XX/XXXX with a written dispute of the alleged debt and provided written requests from XXXX, XXXX and XX/XX/XXXX to XXXX XXXX XXXX requesting information regarding the alleged debt that went unanswered. On XX/XX/XXXX, Transfinancial mailed me an invoice from XXXX XXXX XXXX as proof of the alleged debt. On XX/XX/XXXX, I again sent written dispute of the debt stating that an invoice was not proof and requested verification of my debt including a copy of my signed agreement to pay for the alleged services as well as further information about credits from my insurer that appeared on the aforementioned invoice as any insurance payments should have precluded XXXX XXXX XXXX from charging me any additional costs due to their agreement with my insurer. Transfinancial did not respond to my request or dispute. On XX/XX/XXXX, I received a collection notice from Transfinancial. On XX/XX/XXXX I again sent a written dispute of the information and notified Transfinancial that they were continuing to violate my rights under the FDPCA given their lack of response to my previous requests for verification and continued attempt to collect. On XX/XX/XXXX, I received a notice from Transfinancial that they received my dispute and would cease activities until verification could take place, which they stated included removing or avoiding reporting of negative information to the credit reporting agencies. Transfinancial has not provided any further verification or response to my dispute. On XX/XX/XXXX, I received notification from credit monitoring agencies that Transfinancial had placed negative information on my credit report. I immediately sent notification to Transfinancial that they were continuing to violate my rights under the FDCPA due to their lack response to my requests.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, my student loans were paid off in full under the PSLF program. My lender at the time was Edfinancial and my loans were transferred several times to other servicers during the payofff process. Per my Federal Student Aid website, my loan balances are {$0.00}, however, as of XX/XX/XXXX, Edfinancial reported to XXXX that my loan balances remain. I disputed this with XXXX and provided the print out of my Federal Student Aid dashboard, indicating {$0.00} loan balances, because I attempted to contact Edfinancial on XX/XX/XXXX and they informed me they had not record of my account. So, id the loans were paid off and Edfinancial can not find my account. why are they reporting to XXXX that I have a loan balance on a new dispute opened XX/XX/XXXX? I am not debating my payment history, but the fact is that Edfinancial did not update all 3 credit reporting agencies of the loan payoff as required and still haven't. They have indicated they can not help me because they ' can not find my account '.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax, XXXX, and XXXX announced that they removed unpaid medical collections under {$500.00} from consumer credit reports. The three companies, in XX/XX/XXXX, previously removed paid medical collections from credit reports, and extended the delay in medical collection reporting from sixth months after the first delinquency to one year after the first delinquency. I'm asking for EQUIFAX to remove XXXX XXXX XXXXXXXX XXXX  under Acct XXXX that is for {$360.00}. See attached references that support removal of this medical account. Also under 1681s2. Responsibilities of furnishers of information to consumer reporting agencies. ( 9 ) Duty to provide notice of status as medical information furnisher A person whose primary business is providing medical services, products, or devices, or the person 's agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 1681a. Definitions ; rules of construction ( XXXX ) RESTRICTION ON SHARING OF MEDICAL INFORMATION.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Product: Student loan

Total Original Amount {$10000.00} Total Current Balance {$36000.00} Total Amount Due {$1000.00} Does this even look right to you? my daughter needed a loan for school. i am the co-signer. My wife passed away on XX/XX/XXXX, XXXX due to the loss of income, i requested a reduction in my monthly payment. Since the beginning of XXXX, they have sent me the wrong application, an out dated application, lost my application and/or never replied to my emails. Now I'm getting calls from collection agencies demanding i pay yje past due amount and threating me. also, uas sent negative remarks to the credit bureau which now shows 82 days past due. They have ruined my credit because of their mistakes. I NEED HELP IN RESOLVING THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX  XXXX/XXXX  XXXX  Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I have been making double payments for both federal and private loans to Navient ( total payment for each time is around {$4400.00} for 1 federal and 4 privates ). Navient had made so many mistakes by applying to all amount to one or two accounts and left the other ones delinquent and then they charged me late fees countless times for all of their own mistakes. Last December, they charged me extra payment of {$2300.00} without my authorization ( so my total payment went up to {$6700.00} ). I could n't afford to pay off the credit card for that amount. I called Navient and I also filed with my credit card company for unauthorized charge. My credit card ( XXXX ) told me they could n't refund it since it was n't stolen. I called Navient again and again. Instead of refunding the only extra payment, they refunded the extra payment twice and put my account in delinquency. I realized Navient mistake after the XXXX advised me that some changes in my credit score. My score went from XXXX in XXXX to XXXX in XXXX. I called Navient and correct their mistake by making the payment of {$2300.00}. They told me that they would fix my credit score. It never happened. I called them back on XXXX/XXXX/17. I was told that I had to write the letter explaining what happened and requesting Navient to fix it. How can this be possible when I have to do all of that when they are the one who created all of this dilemma. This was not the first time it happened and it was not the first time they asked me to write letter or correct their own mistakes. It comes to the point I think it is the way they deceive the borrowers so we can not relieve our co-signers. When I tried to apply to have my co-signers to be released of their financial responsibilities, Navient told me that I was n't qualified because I was late in my payments before. I asked them to look at the records and listen to all the calls I had been talking with their customer service. Of course their answer was the records showed that I did n't make the payment on time even though they were the one who made mistakes. I got so tired and gave up. Until today when I saw the lawsuit that CFPB filed against Navient, I know my prayer was answered. Finally, the justice is served. All the allegations on the lawsuit are very true. I 'm sure that I 'm not the only one victim here since all of my classmates and friends who are Navient borrowers said the same complaints. We are working hard to pay back our student loans ( no complaint, only appreciation for helping me with my career ) and we are struggling to fight with Navient deceit. I hope this lawsuit will bring relief to many borrowers from credit being savaged, ridiculous phone harassment, deceived late fees, and many more. Please put an end to that. Thanks.
Product: Debt collection

I had this problem with PHH Mortgage some years back. They started again on XX/XX/2018, the caller says that this is an attempt to collect a debt, and that the call is being recorded. I am not behind on my mortgage and the payment is not past due. My payment history is good for the life of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I made a deposit, using PayPal, in the amount of {$500.00} to the XXXX XXXX XXXX  for an event that was scheduled to take place XX/XX/XXXX in XXXX, XXXX. Additionally, I paid {$78.00} to the XXXX XXXX XXXX for transportation to and from the airport. The total transaction was {$570.00}. 

On XX/XX/XXXX, I made an installment payment to XXXX XXXX XXXX XXXX  for the same event using PayPal in the amount of {$530.00}. 

On XXXX XXXX, XXXX, I made another installment payment using PayPal to XXXX XXXX XXXX XXXX in the amount of {$530.00}. 

Sometime in early XX/XX/XXXX, the XXXX government closed its borders to US citizens because of concerns related to the COVID-19 pandemic. 

On XX/XX/XXXX, The XXXX XXXX XXXX cancelled the event. The XXXX XXXX XXXX decided to offer the camp for XX/XX/XXXXwith different instructors as an option. I contacted The XXXX XXXX XXXX and notified them that I will be unable to attend that event a year from now and requested a refund. The XXXX XXXX XXXX refused to offer me a full refund, but refunded the {$78.00} I paid for the airport transfers back in XXXX XXXX. 

On XX/XX/XXXX, I reached out to XXXX XXXX, the retreat center where the event was going to be held and requested a refund. The owner referred me back to communications with the organizer of XX/XX/XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX said they would offer 30 % of the total {$1500.00} as a refund for an event they canceled and rescheduled over a year later. 

On XX/XX/XXXX, I filed a dispute with PayPal for a full refund for the amount of {$1500.00} paid to XXXX XXXX XXXX XX/XX/XXXX under PayPals terms of non receipt of product purchased or a significantly altered product than promised by seller. Additionally, I learned that PayPal is encouraging merchants to consider not charging fees buyers for as a result of travel restrictions for not using services booked. This claim is currently under review. PayPal is awaiting the sellers response, but has not made a determination that I should receive a full refund for this canceled event.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAINE & WEINER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL INQUIRES I HAVE NO KNOWLEDGE OF. I DONT HAVE A CLOSE OR OPEN ACCOUNT WITH THEM AND DID NOT REQUEST CREDIT FROM THEM. WHEN I CONTACTED EQUIFAX THEY DID NOTHING, TOLD ME THEY COULD NOT DISPUTE THEM. THEY DIRECTED ME THE CREDITOR AND I HAVE SENT THEM LETTERS WITH NO REPLIES BACK. NON OF THE CREDIT BUREAU CENTERS WANT TO HELP OR REVIEW. XXXX XXXX XX/XX/XXXX5 ANDXX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXXXXXX XXXX, XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXXI XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX    XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXL  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value Credit Bureaus help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I want to make this clear to Credit Bureaus that my Only Name is XXXX XXXX XXXX and my Home Address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, NC XXXX. 
The following Inaccurate Information listed below must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, the following Items must be deleted XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>