23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I secured a XXXX loan with Hyndai Motor Finance. My monthly payments are {$550.00}. due and payable on the XXXX of the month. On XXXX XXXX I made XXXX payments to Hyndai Finance. XXXX from my personal bank account and the other from my business account. I could n't stop the personal account payment because it was automatically deducted from my account. On the XXXX of XXXX I called Hyndai Finance and told them I had made a XXXX payment and requested a refund of {$550.00} because of this. I was then told by XXXX of their Customer service XXXX that he would arrange for the refund and I would be getting it shortly. Not true! XXXX weeks later I called Hyndai Customer Service back again, ( XXXX of the next XXXX calls I would eventually make to them ) and was told that I would have to wait a total of 20 business days till my refund was processed! I waited the prescribed amount of time and called again and again through XXXX XXXX. On XXXX XXXX I was told that my refund was being processed, they confirmed my home address and told me the payment " was in the mail '' ... Today, XXXX XXXX, 2015 I called because I had not received the payment and asked why ... I was told today that I needed to confirm with them that the original payments had been made and negotiated by the banks!!! 
Nonsense! they knew this was so on the XXXX of XXXX and acknowledged this to me! 
I have yet to receive the refund..I am helpless in this situation and have no idea when I will be getting my refund ... I have been ripped off by Hyndai Finance and do n't know how to solve the problem other than filing a law suit against them, which I believe I will do if I get no satisfaction this week. 
Hyndai Finance is a predatory scam operation..Their business practices are XXXX step below criminal..Their Customer Service Operation is nothing more than a " slip of the tongue, service, tell them what they want to here with no solutions to any problems ''. They do n't deserve to be in business nor do they deserve the fiduciary responsibility of taking my money. 
I would appreciate any help you can give me in resolving this situation..
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, a representative of SoFi gave deceptive information that led to me accepting a personal loan for {$30000.00}. The information given was that if automatic payments were established, there would be a recurring automatic rate reduction of .25 % that would lower the rate to the lowest available rate of around 5.9 % over time. For example, if the loan were 12 % then after one year of automatic payments the rate would reflect 9 %. After approximately 2 years, the rate would be about 6 %. I was told that the rate would drop with auto pay, the representative explained how SoFi was the only company that he knew of with this type of rate reduction program and that the original rate would show on the contract, however the rate would decrease with automatic payments, and that I could locate this unique program information on the company website. I trusted this person only to find out after speaking with a manager XXXX, that the information was false and that nothing could be done other than an apology, a " coaching '' to the representative who's name I believe is XXXX, and a small gift card as an " olive branch '' for the misrepresentation. A reckless and false representation was made that I relied on, and now I am suffering the financial consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX
Product: Credit card or prepaid card

Include dates, amounts, and actions that were taken by you or the company. 

On XX/XX/XXXX, I made purchase number ORDER # XXXX at XXXX XXXX I used my Chase Credit card points to do so. I then canceled the order later that day. 

I have yet to receive my points back. The total points I am missing amount to : XXXX and on for some bizarre reason, XXXX pts. on XX/XX/XXXX. 

I spoke to both parties at least 5x each, and each blames the other. First, XXXX said refunds could take 3-5 business days. Then, when that didn't happen XXXX said wait for the billing cycle to end. Of course, THAT did not happen. So XXXX said of wait another month ( 2 months in total???? ). By now, it's been nearly three months! Meanwhile, I was also on the horn with Chase trying to resolve. Chase said I need to tell XXXX to send them back, and XXXX says Chase needs to ask for them back! 

A claims they never asked for payment bc it was canceled, so they can't give me back what they did not receive, and Chase said they sent the points immediately and as per their own policy re points, and hey did not wait for shipment like they do when they preauthorize credit. 

I have never received either the product or my points refund. 

Thank you VERY much
Product: Debt collection

When I was first notified that I owed an amount to an apartment complex the person at ProCollect never disclosed who they were and immediately asking for my credit card info. Mind you I never received anything from the apartment complex I was at. When I told him he never disclosed what company or why he was needing that personal info and I was not giving him my credit card number he told me I was being sued. I contacted the collection company after discovering on XXXX who they were to try and settle debt and they hung up on me or told me was account was blocked and could not make any payments and I needed to contact XXXX XXXX and send and email. Numerous times I tried corresponding with XXXX XXXX and never got any communication back.
Product: Checking or savings account

B ank of America m anipulated my balance by debiting and then reposting cashiers check, and then retroactively charged overdraft fees : I purchased a cashiers check on  XXXX / XXXX / XXXX  for {$1500.00} from a Maryland B ank Of American Branch an d {$1500.00} ( {$10.00} fee for cashiers check ) was debited from my account leaving me with a balance of  XXXX . On  XXXX / XXXX / XXXX , {$1500.00} was posted back to my account giving me a balance of over {$1600.00}. That night,  2   XXXX  transactions were drafted from my account for {$14.00} and {$18.00}. My account was still grossly positive. The next morning on  XXXX  I checked my account and the {$1500.00} which had been debited on  XXXX / XXXX / XXXX  and reposted to my account on  XXXX / XXXX / XXXX  had been retroactively debited back to  XXXX / XXXX / XXXX , and th e two   XXXX  transactions from  XXXX / XXXX / XXXX  were retroactively marked as overdrafts ( even though hours before they appeared to be cov ered ) the y and I was assessed fees totaling {$70.00}. Even though I was checking my balance, bank of  Americas manipulatio n of my balance did not allow for me to transfer additional money in time to cover drafts from my account, and I was penalized through overdraft fees.     Separately, On  XXXX / XXXX / XXXX  I contacted the  BOA Overdraft Collections Dep artment at  XXXX  to discuss multiple overdraft charges which had occurred as a result of scheduled payments being drafted to my account which had subsequently developed insufficient funds.   On  XXXX / XXXX / XXXX  there were  four overd raft item fees totaling {$150.00}. On  XXXX / XXXX / XXXX  there wer e four additional  {$35.00} overdraft fees totaling {$140.00}. On  XXXX / XXXX / XXXX , there was an overdraft fee of {$35.00}.   On  XXXX / XXXX / XXXX , my account balance was - {$450.00}. At approximately  XXXX   XXXX , I contacted customer service about consolidating or reducing the overdraft fees which totaled {$320.00} from the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . I was connected with a representative in t he Overdraft Collections  Department who agreed to reduce the fees to a total of {$160.00}. I was told that the difference would be credited upon by account balance becoming positive. Upon the conclusion of our conversation I asked if there was a reference number for our conversation in case there was an issue. I was told that she would make notes in the system regarding our conversation.   On  XXXX / XXXX / XXXX , money was deposited into my account bringing my account balance to + {$1000.00} On  XXXX / XXXX / XXXX  I contacted  the Overdraft Collections Depar tment at  XXXX  to inquire as to why I had not been credited the difference from the reduced fee. I spoke with  XXXX   XXXX , the collection s manager. I was  told that they had no record of my agreement and that they could not help me as my account was no longer over-drafted.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is scheduled to be removed on XXXX.

I am requesting that it be excluded early.
Product: Credit card

In regards to Dispute XXXX, American Express needs to refund my credit card charge of {$2500.00} back to my credit card ending in XXXX. I am the homeowner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I know who is working on my home. The builder ( XXXX XXXX ) finalized the electrical work, not XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never touched our home to perform electrical work. He fraudulently charged my card {$10.00} to see if it would go through, before charging {$2500.00}. He claimed he did electrical work but he never did. That is fraud. I never signed a contract with this electrician. I never authorized any of these charges. 

I filed a Police Report for theft of services, performed Release of Contractor with the City of XXXX, inquired with a lawyer to send a Demand Letter, and submitted multiple, valid evidences of this theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. 

In accordance with the written instructions of the consumer to whom it relates Please remove
Product: Credit reporting or other personal consumer reports

Called TransUnion on XX/XX/2024 Customer service could not help with accessing report. I can not dispute the report because I can not access it.
Product: Bank account or service

My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue. 

Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016. 

M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks. 

M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters. 

XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

This is a fraudulent account and it needs to be deleted immediately from all XXXX major credit reporting agencies immediately. I have attached a copy of where XXXX deleted this fraudulent account from my credit report. I am requesting for IC System to delete this account from XXXX and XXXX  immediately.
Product: Credit card

I was in XXXX  XXXX  years from XXXX During this time, credit was applied for in my name, and abused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company and XXXX refuse to remove the incorrect information reporting on my credit report. I have contacted both XXXX and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt.

I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied at XXXX  XXXX  XXXX  in XXXX, Oklahoma ( XX/XX/XXXX ) I have XXXX children my XXXX oldest live with me, I have never been arrested in my life and Im XXXX years old, Ive never been charged with anything I dont have a criminal record at all, I have a successful career I submitted an application and was denied because they said I had been charged with a controlled substance which is false, so they gave me the numbers to call I requested my Online Information Services I just received my letter today XX/XX/XXXX, and still homeless with XXXX children because of this. I paid to see my criminal record online myself as well and it had that the charge was placed on my record at XX/XX/XXXX just added a year ago I wouldve never able to purchase a firearm, I wouldnt have the career I have and been had if this was true theres been a terrible mistake and now me and XXXX of my children are homeles, but on the consumer report it has that I got charged in XX/XX/XXXX. If I really got charged why wasnt I booked why wasnt I given a bail where is my mug shot. This is false and incorrect I need it off of my record ASAP so I can get a place to live for me and my children. Thank You XXXX XXXX XXXX
Product: Checking or savings account

My husband deposited his payroll check thru ATM on XX/XX/2023. He said after the machine took his check the screen went blank & said error & gave him his card back. On that Monday the XXXX we checked online to see if money/check got deposited, it did not. So he called our local bank late afternoon before they closed. The manager took his name & # & said ATM person was not working that day but would be in tomorrow & would call him. 
She never called. I called again to local bank on Wednesday XXXX & got recording saying they could not answer their phone. I messaged the US bank thru XXXX & they said they got a hold of my local bank & they were short on help. After this my local bank finally called me saying that the ATM person " tried to reach out to my husband '' - he never got call or voicemail. The manager told me they could not deposit the check even though it was found in the ATM & the ATM messed up. The ATM is handled by a 3rd party. He said the check was in dispute & had to be investigated & he expected it to be deposited by weekend. I also called XXXX # two different times & was told same thing the check could take up to 10 days to be put in our account, the first call we got disconnected even though my phone still showed we was connected but all of a sudden no one was there, on the second call the woman hung up on me. I tried to call local bank AGAIN on Saturday XXXX before they closed & no one could answer their phone. As of XXXX check has NOT been put in our account. I messaged them again on XXXX & someone is suppose to call me on Tuesday XXXX so I can file a complaint with them.
Product: Mortgage

I WAS OUT OF WORK FOR MORE THE ONE YEAR AND GOT BEHINE ON MY PAYMENTS TRY TO DO A MODIFFICATION TO GET BACK ON TRACK BUT MY APPLICATION GOT DINE FROM MY LENDER IM WORKING NOW AND MAKING MONEY TO MAKE MY PAYEMNTS AND GET BACK ON TRACK IN MY ACCOUNT I HAVE SOME MONEY TO PAY BUT NO ALL THEY REQUEST AT THIS MOMENT IF THEY CAN HELP ME TO PUT WHAT I HAVE MISS ON PAYMENT IN THE THE BACK OF THE LOAN AND I CAN STAR MAKING MY NORMAL PAYMENT NOW
Product: Mortgage

On XX/XX/XXXX and then again on XX/XX/XXXX my bill payment company sent two payments to my mortgage loan servicer. My bill payment company then turned off my bill payment services until one of the two payments was returned to them. On XX/XX/19 I called my mortgage servicer who confirmed receipt of two payments that month, however they said I could only request a refund of one of the payments by e-mailing in a request along with evidence of the double payment coming from my account with the copy of the check or with a bank statement that had to have my bank logo on it EVEN THOUGH they could see they had received two payments for the month.

The payment was made via ACH, so I could not produce a check AND my statement had not yet cut so I was not able to produce a statement. I did a screen print from my online banking to show the payment coming out of my account, but ANYONE in this industry knows I was not going to be able to get my bank logo on the screen print. It's a fraud deterrent to not allow the bank logo to be printed. I explained this to the mortgage servicer on the phone and I got " I'm sorry that's the procedure that is our procedure we have to follow ''. This is an unacceptable procedure that makes it unduly hard on the consumer to get a double payment refunded. 

I e-mailed the required e-mail address on XX/XX/XXXX and asked for one of the double payments to be remitted back to me asap. If this was not possible I asked to be called. I got a bounce back e-mail saying that I needed to allow for 2 business days for my inquiry to be addressed ( attached as Exhibit A ). 

I never received the phone call AND I was not responded to until a FULL 13 BUSINESS DAYS LATER - XX/XX/XXXX. I was told my double payment would not be returned as then the loan would be past due for the XX/XX/XXXX payment ( attached as Exhibit B ), and that my case was closed ... 

As a consumer, I HAVE BEEN HARMED in several ways. My bill payment services were shut off until I refunded my bill payment company one of the two mortgage payments. ALL my other payments due were NOT MADE causing all my other credit payments to be made late. I had to charge on my visa the amount of the mortgage payment so I could get my bill payment services turned back on, which means I had to pay interest on my credit card. 

I am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried a whole bunch of times to resolve this problem all they did was resolve the bottom of complaint and delete 5 inquirys from my report they didnt do what i requested and provide me with signuture or proof i got something in regards to inquiry like XXXX  XXXX who has a bunch of inquirys on my report and yet i only have 1 card from them not 6 in regards to inquirys they made