23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a vehicle with a loan from Santander. In XX/XX/2017, my car was totaled. My insurance paid the amount that my car was valued. I submitted everything needed for my GAP insurance to cover the rest. My GAP insurance sent the payment to the dealership I bought my new car from instead of Santander. Once I found that out, I had the dealership cut a check to Santander for the remainder. Santander took 4 months to close out my account after they got the remainder of the load payment. Santander now has 5 charge offs on my credit report for payments that were late even though it was out of my control because of the wreck and GAP insurance company. I have tried contacting Santander but because I no longer have an account with them I can not get in contact with anyone. I filed disputes on all credit bureaus but nothing has changed.
Product: Credit card

I was lied to and discriminated against with the company synchrony bank. I signed up for a 0 % credit card. I called twice to make sure the payments were coming out before the promotion was over so I didnt have to pay any interest. Both times they told me I was making the correct payments And then all of a sudden almost {$3000.00} of interest was charged to me. The company told me there was nothing they can do about it they cant pull up the phone records for when I called twice. I asked them to put it in dispute. They said there is nothing they can do. I feel as being a woman with perfect credit they took advantage of me. My husband has also talked to them a couple times about this issue. They blew him off and told him there is nothing they can do they dont keep phone records? I find that hard to believe.
Product: Debt collection

I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.
Product: Debt collection

Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.
Product: Payday loan

I took out an online loan in the amount of {$3000.00} on XXXX/XXXX/2015. I have since paid {$190.00} biweekly X 24payments= $ XXXX-well over the principal and show there are still about 22 payments due in the total amount of {$4200.00}. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if any more money is legally due.
Product: Debt collection

SOURCE RECEIVABLES MANAGEMENT has violatedmy consumer rights pursuant to the Fair debt collection practices act, fair credit reporting act and more. They are stating I owe an alleged debt, understand I do not owe any allege debts. My identity has been stolen by SOURCE RECEIVABLES MANAGEMENT, this is identity theft because they have my private person information without consent. I do not have any contract with SOURCE RECEIVABLES MANAGEMENT and they are attempting to coerce me the consumer, defined in 15 usc 1692a ( 3 ), to pay an alleged debt not owed. I have sent SOURCE RECEIVABLES MANAGEMENT a cease and desist, identity theft report, and enforcement action with affidavits all certified mail/return receipt XX/XX/2021
Product: Mortgage

My mortgage with Loan Care has been a horrible experience. They regularly try to charge late fees when payments are on time and can be verified through my bank 's online payment records. It is a continuous problem. I decided to refinance through XXXX XXXX and Loan care was paid in full on XX/XX/2021. Loan care verified this a week later, but will not respond to my repeated requests to return my escrow account balance. If one checks their record with XXXX, Loan Care has been stealing escrow account balances for years!!! How can this be?? They owe me {$3300.00} and refuse to communicate. My Loan Care account number is XXXX This criminal enterprise needs to be shut down and make good on all the funds they have stolen from hard working families!! Please help ... ... Thank You ... ... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment for  Navy Federal CU  was due  XXXX   XXXX . I had other payments to make besides  Navy Federal si nce this account is closed. So I paid {$20.00} on the  XXXX  and   XXXX   XXXX   XXXX    for  my  XXXX  payment. Then I followed up and sent  two  more payments on the  XXXX  and the    XXXX   XXXX   XXXX     equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the  XXXX  they reported to the credit bureaus that I was 30 days late for  XXXX  which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover   XXXX   XXXX   bill to {$74.00} owed and  XXXX   XXXX  just passed so how can you add  2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m  e. Navy Federal c an not do as they please.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY  COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Credit card

In XXXX, 2015, I opened a new credit card account at Macy 's Dept Store. The purpose was to take advantage of attractive savings and discounts that I could use immediately upon signup. The account quickly deteriorated into a matter of Macy 's demanding payment for balances I had paid and, therefore. did not owe. The situation is made worse by the collection agency continuing to assign new penalties and interest. 

Payment was remitted for the balance on the first statement I received from Macy 's, and credit was properly given to my account. Payments for the balances on the second and third statements, however, were not credited and penalties and interest are accruing on the balance that they say I still owe. I have tried to contact them via the phone number they referred but the persons I talk to are unable to help ; apparently all they are able to do is arrange payment. They would tell me only that they live " off shore '' and that they do not have access to files other than the statements ( which I have already received! ). They recommended that I put my case in writing and mail it to an address in XXXX, Ohio, but, when I did, they responded by asking for a payment for the latest statement amount. 

There are XXXX dynamics that are worth mentioning here : 1. I pay by check in order to avoid the confusion that is at play here but, as you know, banks are able now to destroy my check and transform the payment into an electronic transaction. The receipt of payment that my bank receives from the factor is a " bank trace '' giving what is hypothetically the essential information for identifying a payment. There is no paid, or " cancelled '' check returned to my bank. 
2. The Macy 's credit card is issued by Citibank ( aka : Citigroup, Citicorp, etc. ). Citibank immediately sends the receivables to its factor Department Stores National Bank. 
Because of my inability to converse with a person who can research thoroughly my account, I am " incommunicado '' with DSNB. Meanwhile I am being bombarded with robocalls several times a day ( except XXXX and XXXX ; one must have a weekend break, you know? ) requesting that I call a certain toll-free number and arrange payment. 

May I please have your assistance in having this matter straightened out? I will be willing to have this published because, as I understand from chat rooms and social media, Bloomingdales and other stores use XXXX as a factor/collection agency and my experience can be used as a caution toward anyone who opens up a credit card like this.
Product: Debt collection

Back in XX/XX/2017, I called XXXX XXXX to pick up a shipment for a small package to XXXX. I told them the size and weight of the package. They quoted me {$54.00} and I agreed to have them pick it up that day, XX/XX/2017. The following month I received a bill for {$94.00}. After numerous discussions, it seems XXXX made some errors regarding that package and are trying to make me pay for them. I have inquired why they had the weight at 2lbs when items were less than an ounce and XXXX did not reply. I agreed to pay the original quote of {$54.00} and paid via credit card on XX/XX/2017. Now they have sent a collections agency for the remaining amount which I do not owe. I have attached a snapshot of the email where XXXX realized their mistake in shipping charge. I also included a snapshot of the payment I made of {$54.00} back in XXXX. Thank you.
Product: Debt collection

Hi, My name is     XXXX   XXXX     and this debt of {$30.00} was a medical co-pay from  XXXX  /   XXXX   when I had back surgeries. I was never notified and have no clue when this collection agency has put this derogatory remark on my credit report. When I called them, they tried to multiply the {$30.00} co-pay that was paid by a entire year and said I now owe {$360.00} and that 's what they wanted. I 've never been without medical insurance and never had a problem in the past with a co-pay, but they are impossible to speak with, rude, foul and unreasonable. I 've asked them several times to please validate the dept and that they ca n't do! Can you help at all, there was a link from creditkarma to your web site? Here is a copy and paste of the derogatory remark, which destroys my credit report. It 's not reported to  XXXX  or  XXXX , only reported with  XXXX . Thank you,   XXXX   XXXX    XXXX  my e-mail These are the collections accounts that are reported as open on your credit report.   Agency Open   XXXX   Balance Open Equifax Balance STATE COLLECTION SERVICE , INC {$0.00} {$30.00} 0 accounts reported on    XXXX   XXXX   XXXX    1  account reported on    XXXX   XXXX   XXXX    This agency did not report an open account to this bureau.   Open Account  # 1 {$30. 00} Balance  XXXX   XXXX  Original Creditor {$30.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consumer disputes this account information Medical Remarks Note See something wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )  XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )
Product: Credit card or prepaid card

Citi Diamond Rewards Card I was offered a balance transfer promotion. The representative told me that I could make a payment the next day after receiving the funds into my checking account, and that the payment would be applied to the balance with the higher APR. However after making the payment, it was applied to the balance at the lower promo rate, because " the balances weren't updated yet. '' So Citi charged me 3 % for the balance transfer and is now charging me 24.99 % on my balance, which should be at a 2.99 % promo rate. I called several times and representatives told me each time they'd correct the error. However it was not corrected and I was charged interest at the higher rate. The last time I called about it, they told me this was my mistake and they couldn't correct it.
Product: Credit card or prepaid card

This complaint details American Express Membership Rewards freezing my account after attempting to transfer points to XXXX 's XXXX XXXX in accordance with Terms & Conditions of the program, and Membership Rewards accusing me without any evidence of selling points. 

On XX/XX/XXXX, I linked my XXXX XXXX account to my Membership Rewards account. Immediately thereafter, I attempted to transfer XXXX points to XXXX online. After initiating the transfer, the Membership Rewards website gave me an error message stating that they couldn't complete the transfer because " of an attempt to sell '' Membership Rewards points ( error message attached ). I called Membership Rewards and the agent replicated the error message, told me that my account was frozen and that there was nothing that could be done until the account was reviewed. As of the current time and date ( XX/XX/XXXX ) my account is still frozen. However, I need to transfer the points expeditiously to complete an award booking. 

The accusation that I am selling Membership Rewards points is preposterous. I have been an American Express/Membership Rewards member since XX/XX/XXXX and have always complied with Program Terms and Conditions, and done absolutely nothing to even remotely suggest I am selling points. In particular with regard to this transaction, there is nothing that I could do differently to suggest I am simply attempting to use the program per its Terms and Conditions to make a personal award flight booking ( linking account and transferring miles earned over the last two years ).
Product: Bank account or service

My account was unexpectedly limited and shut down without warning. I contacted PayPal and they said I violated the terms and conditions even though I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid, yet it still shows on my credit report. Credit report is with XXXX XXXX. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$0.00} ; CHILDSUPPORT XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00}.
Product: Checking or savings account

I would like to close my account I went to capital one and Ive been banking with them for a couple of months now I got some money sent to me in my account for my business in capital one is holding my money will not let me deposit anything for XXXX months now I would like capital one to close my account immediately
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX calls repeatedly although I have told them on multiple occasions they have the wrong person - I have never had a XXXX credit card and this is not a case of identity theft as the debt is not listed on my credit report. Yet they continue to call.
Product: Debt collection

I had an account with XXXX XXXX  card. I contacted and tried to dispute with XXXX  several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being XXXX as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by XXXX transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but XXXX XXXX is reporting on my credit. Its too many discrepancies.
Product: Credit card or prepaid card

I am a victim of identity theft on XX/XX/2021. I recently learned that my personal information was used /to open an account at your company. I did not open or authorize this account, and I /therefore request that it be closed immediately. I also request that Capital One absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX And XXXX XXXX ( XXXX  ) issued the check to me for the services performed by XXXX XXXX. However, this check with {$2000.00} was mailed without requiring my signature. It was stolen by someone I didn't know at all and got cashed out. 
I called XXXX, as soon as I found out. The customer service refused to do anything else, but asked me to file the " Affidavit of Check Fraud by Payee Forged Endorsement '' with Wells Fargo. Then I filed the form and got the notary public in late XXXX, XXXX, and mailed it to Wells Fargo. I called the Wells Fargo a few times, and finally got the Case # XXXX. I was told the Bank was negotiating, and I had to wait. I didn't hear anything back from the bank, until I called again on XX/XX/XXXX. The Bank told me they closed out the case on XX/XX/XXXX, and didn't provide me any result, but only asked me to call insurance to reissue the check. 
Between this time period, both XXXX  XXXX  and I called the insurance company a few times, and the customer service always provided some misleading information, saying I need to file that fraud case, while I already did. So they obviously delayed the process. Finally XXXX  had someone connected with the Bank, but was told the Bank closed the ticket without any solution, just because the Bank didn't get the response from the other bank. 
The check issue date was XX/XX/XXXX, and I filed the fraud form on XX/XX/XXXX.
Product: Checking or savings account

I've tried multiple times to link my PNC banking account XXXX  for investments and my account will not allow me. This is my only banking account and has caused me an undue hardship to invest and spend my money as I please.