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

I had an account opened XX/XX/XXXX. It is a store charge card. My limit was {$2800.00}. This account was closed XX/XX/XXXX, with a balance of {$3700.00}. Now in XX/XX/XXXX, I am told my balance is just over {$7800.00}. This is {$5000.00} plus over my account XXXX and {$4100.00} over my balance at closing in XX/XX/XXXX. Which already in XXXX months had approximately {$800.00} in interest. I've tried to reach out and get clarification on this interest calculation and how it it billed in an itemized fashion, to never have received. I had to restrict my calls to mail only due to uncomfortable conversation and tactics used to collect this debt. I am truly trying to understand how in 4 years I have accumulated {$5000.00} dollars interest alone. 
No person with Military Star card has in past four years of asking, calling or writing letters has assisted me in finding resolve. Also, I am unable to find among reps, leads, supervisors or management a single person that even knows if there is an error & how interest is calculated. How can I be charged for something that even the debtor can't explain? The way I see this, I have been charged interest and fees illegally that are unexplained. I'm being charged interest on other incurred interest not debt alone. FRAUD!
Product: Credit card or prepaid card

My Suntrust Account was converted to a TRUIST bank account a few weeks ago. After Truist took over customer service has been terrible. Recently I was incorrectly charged by a merchant but I can not contact TRUIST bank to dispute this charge. No email address to contact them, no " Chat '' function, and the XXXX XXXX number on the card or on the web site is not answered. At Truist the lights may be on but no one is home! 

complaint XX/XX/2022 Merchant : XXXX XXXX  XXXX XXXX {$26.00} charged twice but I paid cash when the card reader wouldn't work. 

This is no way for a " Major Bank '' to behave. Literally zero customer service/support. I want my Suntrust Bank back.
Product: Debt collection

I paid my car loan off with Bridgecrest in XXXX of XXXX. They were overpaid by a couple of hundred dollars over. I spoke with a rep. and ask they send my overpayment back to me also verify my present address. Several months past, no refund was not received. I called the company again, and asked what happen to my refund they say the mail came back stating no one lives at the address. We verify the address again and they stated that is what's on their records. Then I assure them, I did not received the refund. 

Please help me, I paid my debt in good faith.
Product: Debt collection

I had an Amazon store card. The card was sold to Synchrony Bank. Synchrony bank repeatedly failed to send me paper statements. I missed a payment due to lay off and they would call me in excess of XXXX times a day. I have since brought the account current but their relentless harrasment and terrible customer service and communication has caused me tremendous stress and anxiety.
Product: Mortgage

The dates and communication is all attached. 
I typed in my mortgage holder, Select Portfolio Servicing , IncXXXX, out of XXXX XXXX XXXX XXXX  on the CFPB website, and I didnt find the exact company name but after investigating further, I wonder if it even has the loan docs to my house. 
The XXXX in XXXX XXXX has over XXXX XXXX XXXX XXXXXXXX for this company. 
I am writing to explain an attempt to extort money and obtain my signature to set up escrow for the dates of XXXX in the amount of {$150.00}. My insurance is through XXXX XXXX XXXX ( XXXX ) which was recently switched internally to XXXX. [ I was going to change out of the XXXX altogether to XXXX XXXX but I changed my mind. SPS may try and say that I was uninsured at the tag end of the policy but XXXX is affirming otherwise ] I have contacted XXXX  and had them fax Select Portfolio Servicing the revised renewal declaration showing no lapse in coverage, and recently XXXX wrote a letter and I faxed it to SPS. 
SPS called again last night ( XX/XX/24 ) and they didnt get either document which is unbelievable, as SPS provided the fax number and I have a receipt from my fax service. I called them back and told them I was reporting them to the CFPB for harassment and unreasonable requests regarding a now expired policy-I think I would call it extortion. She explained that they needed my loan number to search for my records. XXXX, I wasnt instructed to have my loan number in the subject line of the fax or email. I put in my loan number, and suddenly she found my transmittal. I think they wanted my signature legitimizing my relationship with them and I wasnt going to give it. The original premise of buying a premium for an expired policy is laughable. XXXX XXXXXXXX representative was courteous but explained that the policy had expired. I explained that it doesnt have to be logical it merely has to state that there was no lapse in coverage between those dates. 
The original lender was XXXX and then XXXX XXXX XXXX and then Select Portfolio Servicing.
Product: Credit card

Filed a claim with Bank of America for unauthorized atm withdrawals on credit card. Claim was denied and when I asked for documentation I did not receive any. Filed police report. Total amount {$1000.00}. Withdraws made in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX continues to report a collection account for CSC Logic/ XXXX XXXX for a voluntary repossession that occurred 7 years ago. CSC logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided XXXX with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
Product: Debt collection

The All Debt Solutions , Inc. ( debt collecting Agency in XXXX ) stated is XXXX XXXX of NJ as their client. I have had no dealings with XXXX XXXXXXXX of NJ. 
This is misrepresentation and questionable practice to collect money. 
I have responded to them by certified mail stating that I have no outstanding debt with their client. 
The collecting agency letter had no date, no signatures, and no name of the sender. 
I request the CFPB to investigate the matter and put a stop to such questionable practices of this company and their client.
Product: Debt collection

Commonwealth Financial has been harassing me to pay a debt that does not belong to me, Violated hippa and sent incrimanating medical records.
Product: Payday loan, title loan, or personal loan

I have a high interest loan with One Main Financial that I got back in XXXX XXXX. Interest rate very high at 36 %. It is 59 payments. I believe I have made about 32, because there were 2 payments returned in XXXX. I made 17 payments late and there's 5 % of the unpaid amount charged for each late payment. So I made some mistakes and they seem to be costing. But I can not wrap my brain around the pay off amount today being XXXX when the original loan was XXXX. My total actual payments until XX/XX/XXXX were XXXX, applied to principal was XXXX, applied to interest was XXXX. So I have the following concerns : a. XXXX of my actual payments are missing since the amount to interest and the amount to balance does not add up to my total actual payments made. 
b. I have paid almost all the total interest due ( due is XXXX ) at this point with still 27 payments left if I were to go to the end of the payment period ( 59 payments ). Why were they applying only XXXX or XXXX or such low amounts like that to principle on so many times? 
c. If I pay this payoff amount of XXXX, add that to my total payments of XXXX that is XXXX. The total I should have to pay if going the whole 59 months would be XXXX. So I am only XXXX from paying the total even though I am trying to pay it 27 months early! And even if I subtract what they say I owe for in " forborne principal and/or interest '' that would be XXXX - XXXX = XXXX ( payoff ). Add that to XXXX and you get XXXX which is still Only XXXX left to pay ( for the last 27 months ). 
d. Please check if all this is legit. I am trying to pay things off so I can retire at some point, but I want to pay off legitimate amounts. 

Thank you in advance for your assistance.
Product: Mortgage

I called my lender/bank yesterday to refinance my current VA loan with them. The company that has my mortgage is USAA, located in XXXX XXXX, Texas. I was declined for the new mortage, as they said my credit score was XXXX ; I checked today, based on an email USAA sent me to enable me to do so, and my XXXX credit score is now XXXX. When I called to complain to USAA, the mortgage loan officer now says my credit score is XXXX. I am reporting USAA for trying to run a scam on me, with misreporting of credit scores, and wish them to be penalized in the maximum amount for this attempted scam.
Product: Credit card

I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Consumer Financial Protection Bureau Complaint XXXX Revised Letter On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer, I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So, I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX Dealership discloses to me. I did not sign this page labeled XXXX. I know in my experiences in going into car dealerships that car dealership ask to consumer being me to sign every single page show to the consumer to prove the prove that each page was shown. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with zero accounts that have ever reported me late I also I on car loan I paid off in XXXX and one car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I have submitted my current XXXX Credit Report to prove it. I havesubmitted a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I submitted documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score to help the car dealership offer a loan for the consumer, so why all the other loan applications made to other banks on my behalf that day ( Loan applications I did not approve of I remind you )
Product: Credit reporting or other personal consumer reports

There fails information on my credit report that i have asked trans union to remove numerous time 's and sent numerous letter 's to them even called them an nothing has been done, and not to long ago my credit was locked on 4 different occasions, that i did not do. my identity was stolen twice last year and do you think trans union did anything about it? XXXX NO. THATS WHY IM GLAD THEY GOT SUED FOR DOING THIS TO US, I'VE LOST OUT ON XXXX XXXX XXXX CAUSE OF THERE XXXX AN XXXX WAY OR ANOTHER I WILL GET MY MONEY BACK YOU CAN BET YOUR XXXX ON THAT.
Product: Credit reporting or other personal consumer reports

The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX Corporate XXXX FL XXXX - Debt Collection {$3500.00} this was a write off and a domestic XXXX issue under XXXX - XXXX Against Womens Act They XXXX XXXX XXXX this derogatory account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAMES : XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 


XXXX, XXXX, XXXX  This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX this address is unknown. Please delete this address and any account associated with this address. 

INQURIES : XXXX  XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXXXXXX  This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

XXXX XX/XX/XXXX This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 

COLLECTION : XXXXXXXX XXXX Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app XXXX Block IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

In XXXX i have a checking and saving account in wells dargo and i got xtras fee and i dont what. I need my money back XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
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. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

On XX/XX/XXXX, I discovered two unauthorized charges : A {$170.00} charge at a store located over an hour away from my home. 
A {$52.00} charge at a store in New Jersey. 

I immediately contacted Venmo customer service to report these fraudulent transactions. Despite providing evidence that I was not in the location of the charges at the time they were made, Venmo denied my dispute and my appeal giving me two different explanations each time. During the dispute process, I received conflicting explanations for the denial. Initially, they claimed that the charges were made using a chip reader, which is impossible as I had possession of my card at all times Later, they cited the short timeframe between receiving and spending the funds as evidence that I had authorized the transactions, which really is not a valid explanation. 

Their first response was this : 'After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. We were informed that the Debit Card was still in your possession. The Debit Card used to make the purchases was physically present at the merchant location. As the card is in your possession these charges have been determined to be valid. ' Their second response was this : 'We have received your request to appeal our decision and reviewed the transactions per your request. After reviewing the account, our original decision still stands. There is insufficient evidence to support your claims of unauthorized activity.

In review of the account activity, it is confirmed that funds received in the account were spent and not going over the balance. Because of a very short time frame of receiving the funds and spending the funds, the only person who would have access to the account to confirm its balance is the cardholder, we are unable to honor the dispute ( s ) at this time. ' I believe that Venmo 's current fraud prevention measures are inadequate, and this incident highlights a serious flaw in their system.