23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/18, I received my regular email stating that I have a installment payment coming up on XX/XX/18. I asked the Representative for a payout balance and was told that the amount was XXXX. I have been making my payments of XXXX since XX/XX/18, which is over {$1100.00}, that has already been paid on my loan borrowed amount of XXXX. This means that I have not paid but {$8.00} on my principle and the remains of the {$160.00} was applied to the interest. The installment plan is for 14 months at {$160.00} bi-weekly. I will have paid over {$3000.00} on {$700.00}. This should be consider illegal. This company is using illegal tactics and practices by making it hard for the consumers to payout there loans out. I would like to see this company brought under investigation for unethical practices. The customer service representative told me that there call center is located in XXXX XXXX and there office is in South Dakota. So I was speaking to someone outside of this country. The FTC has a law enforcement warning for companies contemplating similar tactics. Its always bad business to engage in deceptive and unfair practices. I have been receiving advertisements in the mail from this company. I needed help at the time and I thought this was a reputable company. This company should be penalized and stop for unauthorized hidden fees. Consumers should have rights against these scam companies. ( XXXX XXXX ). 

Thank you for allowing my voice to be heard. 
Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!
Product: Credit reporting or other personal consumer reports

I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 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 has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States 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. 

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.
Product: Debt collection

XXXX XXXX : {$300.00} put on hold on my checking account. This CC was from after XX/XX/11. The original total was {$350.00}, now they want {$12000.00}. It's been 20+ years. 
XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. Please help. They have a hold on the funds but can't actually remove them as they are not a legal entity that practices proper legal procedures but buys debt for pennies on the dollar and then threatens people into paying. After XX/XX/11 I maxed most/all of my cards and eventually paid them all save one, the Midland XXXX . Their tactics were incessant and rude, they added penalties and interest that turned {$300.00} into {$12000.00}. XXXX
Product: Credit card or prepaid card

Beginning of XX/XX/2022 I noticed the someone was charging XXXX fares to my XXXX with Bank Of America, this to the tune of over {$13000.00}. It happened within a two week period. I immediately informed Bank of America of the problem. It closed the account and issued a new card for me and my husband. I received the new cards after I had to call several times and talk to mostly incompetent associates. 
On XX/XX/2022 Bank Of America informed me that they had received my claim and asked I fill out a form listing the fraudulent charges. I did so, even copied my statement and highlighted all the charges in question. 
As an aside, within the 2 weeks the fraudulent charges were made ( sometimes XXXX XXXX fares in a day for hundreds of dollars ) the bank never alerted me that something unusual was happening to my account. Neither did the bank alert me when my account went over my credit limit by {$6000.00}!. I asked for an explanation but got non. 

On XX/XX/XXXX, I received a letter from Bank America stating the the bank was issuing a temporary credit of {$13000.00} while they conducted their research in the matter. That credit was never issued. Nevertheless, the bank started issuing credits for individual XXXX charges starting on XX/XX/2022. These individual credits to my account stopped on XX/XX/XXXX, leaving {$7500.00} of fraudulent charges on my account. 

On XXXX XXXX I received another letter from Bank America informing my that my claim had been resolved and they closed my case. There were still the {$7500.00} charge on my account, therefore I started calling the Bank of America Fraud office as well as its claims department. The several associates I talked to agreed with me that this was a mistake and that my claim would be reopened within 48 hours. On my last call on XX/XX/XXXX, the associate assured me that Bank Of America would solve my problem within 48 hours. After communicating with all these people over the telephone and not getting any help I am facing a huge sum of money I am supposed to pay by XX/XX/XXXX. I no longer know who to turn to for help in this matter. Most branches of Bank of America are closed or only open by appointment to conduct routine business, not address my claim. I hope you can direct me to a place where I will get help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.
Product: Payday loan, title loan, or personal loan

In XXXX, I obtained a loan from Mariner Finance. As collateral for the loan, Mariner Finance used my then brand new vehicle and items of value in my home. Due to overwhelming obligations, in XXXX I filed bankruptcy ch. XXXX, which included the loan with Mariner Finance. The bankruptcy was discharged in XX/XX/XXXX. After 8 long years of making monthly payments to the auto loan company, their loan has been paid in full and their lien was released. I attempted to obtain a copy of my title from the Florida XXXXXXXX XXXX  XXXX XXXX  and was advised of the remaining lien with Mariner Finance. I immediately contacted Mariner Finance on XX/XX/XXXX, and left a voicemail requesting a return call. My call was returned on XX/XX/XXXX, from the local office of Mariner Finance, by a lady named XXXX. I advised XXXX of my situation and was advised that Mariner Finance does not have to release their lien as a result of my discharged bankruptcy. XXXX from Mariner Finance provided me with the total amount due of {$3900.00}. My response was that the car is a XXXX with approximately XXXX miles on it and not even worth that amount. I asked about a settlement of {$1200.00} ( 30 % of the debt ), payable in 3 monthly payments of {$400.00} each. I was told I would receive a response to my request later on XX/XX/XXXX. XXXX contacted me, with an offer of {$2800.00}, ( 80 % of the debt ) which must be paid in 3 monthly installments. I advised XXXX that I am unable to pay {$940.00} per month, for 3 months in addition to my current obligations. The call ended. I understand that the debt is still owed ; however, due to the age of the loan ( 7 years ) and my bankruptcy filing, I would expect Mariner Finance to provide me with a more reasonable offer.
Product: Vehicle loan or lease

I financed my vehicle with credit acceptance. My vehicle was $ XXXX. I have paid over $ XXXX so far on the loan but they told me my pay off quote is still $ XXXX. Their interest rates and late fees are extreme. I want to sue but dont know how. Plus the car they sold me has major issues, I have spent hundreds on getting it fixed.
Product: Debt collection

A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.
Product: Bank account or service

I set up a new bank account with Ally Bank on XX/XX/2016. On XX/XX/XXXX, they authorized my old bank account at XXXX to transfer all of my funds into my new account with Ally, and did so. On XX/XX/XXXX, I tried to log in and access my new account and was told that my account was locked, and that I should contact the fraud department. 

After calling Ally 's fraud department, I was told that my account would remain locked until I provided them with three more pieces of identification, including a Utility Bill with my name and current address, the front and back of my driver 's license, and the front and back of my Social Security card. I was not given a specific reason for this request, but was instead informed that this was a routine part of the process of setting up a new account. At no point during the process of setting up the account or transferring my life savings into it was I informed that this information would be required. 

I informed them that I do not currently have a copy of my Social Security card, and asked them what else they could do. They said that was necessary to set up my account, so I asked them to cancel it, at which point they asked me to just send the pictures of the utility bill and driver 's license, which I did later that day. 

It has now been a week and I still have not heard anything from Ally Bank, and my account is still locked, preventing me from accessing any of my money. I have called them twice, today and yesterday, and still have received no further information on why my account was locked, or what I can do to remedy the situation.
Product: Checking or savings account

I opened a personal checking account ending in XXXX on XX/XX/XXXX online through BM0 Harris Bank with the promotional code for a {$200.00} bonus if {$4000.00} was DD within 90 days.

The following DD were made : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I deposited a total of {$4000.00} within the 90 days. 

On XX/XX/XXXX through BMO online message, XXXX stated that I would receive the bonus within two weeks. I have not received the bonus yet. Today is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last five months I been sending letter to TransUnion about removal of a bankruptcy that is not verified. The company they used XXXX sent me a letter that they removed the bankruptcy because they couldnt verified so I sent transUnion the letter from XXXX and they refused to remove the bankruptcy and numerous of phone calls with no help.
Product: Debt collection

I am showing a debt to " Macy 's '' on my credit report. When I contacted the company listed as Macy 's they said Citibank was handling the case. When I called Citibank a woman named XXXX said that because the account was past the statute of limitations, it was too old to be sued and that they can not make any attempt at collections or even discuss the matter with me. They said that I could write to them or send them a check, but they would not explain who the debt was listed under and what it was for.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2800.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My grandmother passed away XX/XX/XXXX and XX/XX/XXXX we contacted the reverse mortgage company that we her family wanted to payoff loan. They requested information about estate and deed. After XXXX month and various paperwork, they accepted our documents. Then they asked us in writing to fax or mail request for payoff loan and appraisal documents. Given that payoff loans are valid only for the month requested, we only have 30 days including business days to complete transaction. Then we completed request and holidays came so we submitted for XX/XX/XXXX and we are at XX/XX/XXXX and we still have not received paperwork. They make it really hard to complete this given that every month that goes by the increase on amount is added and the fees are over XXXX $ dollars. Since my grandmothers passing XX/XX/XXXX the amount accrued is over {$4000.00}. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/20 XXXX transactions were fraudulently made on our Netspend account. One was for XXXX. That was a XXXX XXXX XXXX XXXX online. The 2nd one was for XXXX also a XXXX XXXX XXXX XXXX online. The 3rd transaction was for XXXX and it was sent from my account to another Netspend account. The other account it was sent to was someone I do not know. The name on my activity report is XXXX XXXX. Again, I do not know anyone named that. We became aware of these fraudulent charges the next morning, XX/XX/20 and contacted Netspend immediately. They told me they would need 10 days to look into it and on XX/XX/20 Netspend sent me an email stating that they determined no error in all 3 transactions and no changes would be made to our account. Again, we do not know any XXXX XXXX and we have never made any transactions online with XXXX XXXX. Those purchases were made without mine or my spouse 's knowledge. Thank you for your time
Product: Checking or savings account

Truist Bank stop me from accessing my account. Then when I ask Truist to take the hold off my account they give me run around I go to the different Truist bank branches they say there is nothing they can do. This been going on the whole week of XX/XX/XXXX and still going on. I cant get to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from Equifax & XXXX which i sent a copy of the letter i received from the company XXXX XXXX XXXX  still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.
Product: Payday loan, title loan, or personal loan

Due to the COVID-19 pandemic, I had been removed from a full-time to XXXX ( as needed status ) at the organization where I am employed. Moreover, the state of Illinois had a mandatory stay at home order for Illinois residents at this time. I have reached out to XXXX, regarding the change in status and how my income was being adversely impacted on XX/XX/2021. I received a response on XX/XX/2021 regarding an assistance program offer. According to XXXX this agreement would defer three of my payments and bring all information and payments current. I agreed to the offer on XX/XX/2021 which should shows my account in good standing. Although this hardship provision is in place, XXXX has reported my account delinquent and missing a payment to the credit bureau.