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

I have asked Tower Loans in XXXX, La. several times not to call anyone on my account they have called my family several times, called my job several times!! Ive told them Im having some financial issues do to helping out my sister that is having some medical issues! The employees at that branch are rude they hang up the phone on you etc. So after making arrangements with XXXX on the phone I made the payment online dated for XX/XX/2019. So today at my job they sent me a certified letter from an attorney stating that I had to pay {$480.00} or they would issue a judgment against me, so I set the payment up online. When I moved I called the office gave them my new address so there was no reason for them to send something to my place of employment!! Tower loans employees seem to think it is ok to share your information with others and talk to you like you are trash!! I have never in my life been treated like this, this company is unbelievable!!! Im in the same business I know the laws and what they do to customers is unacceptable, I hear my customers talk about how bad they are treated!! Something really needs to be done about this company especially the XXXX Branch in Louisiana!!
Product: Student loan

We are paying XXXX loans for my daughter - all of which were set up for automatic payment. We recently changed our bank, and had to change the automatic payments. From the Sallie Mae Website, I was unable to change the bank account information, so I called them. After a 10 minute wait, I reached a representative, who informed me that I had to first CANCEL the existing auto withdrawals, wait 3 business days for the cancellation, " wait an additional 3 days to just to be sure '' and then enter the NEW information. This caused us to be past due on XXXX of the XXXX loans ( XXXX did n't get cancelled - not sure if that was my mistake or Sallie Mae ). 
As a result, I have received a total of 9 calls from their " robot dialer '' - several on Sunday, when their " customer service '' was not even available. The accounts are now current ( paid today electronically on their web site ) ; but, I still ca n't set up the new automatic payment until the checks actually clear.
Product: Student loan

In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX contact XXXX XX/XX/year>2024 and informed them all my loans from XXXX XXXX and Dept. of Education was discharged and should be removed off my credit report XXXX removed partial they only removed my XXXX XXXX closed accounts and never removed my Dept. of Ed. Closed accounts and I also tried to dispute direct with XXXX and they refused to remove them even though they was notified from Dept. of Education & XXXX also XXXX credit bureaus still have XXXX XXXX and Dept. of Education listed on my credit report as well all theee bureaus was notified by Department of education in XX/XX/year> 2024
Product: Credit reporting

Called XXXX to remove inaccurate item, they told me the address does not match and the phone number does n't match, but are not helping in any way to remove it. Can not get through equifax questions to initiate dispute.
Product: Credit card or prepaid card

Account with Synchrony bank was opened in XXXX for a promotional purchase. In XXXX I called to renegotiate the debt with Synchrony and I was placed in a COVID19 Recovery plan and part of the plan was to close the account, no late fees charges and no promotional fees and to complete and for me to continue paying the original debt. The debt contract was extended for 3 more years after maturity date of the contract and the monthly payment was negotiated to be XXXX XXXXXXXX a month. In XXXX I made multiple payments and by the statement of XX/XX/XXXX was owed approximately {$250.00} dollars. In XX/XX/XXXX I received a statement for approximately {$1600.00} and I immediate contacted Synchrony Bank and explained the situation. I was informed by a customer service in a recorded line that they noticed that account was placed in a COVID19 Recovery plan and they saw the notes from the last representative. I was informed that the incorrect amount of interest added into the account would be removed and it would show in my next statement and that I only had to pay for {$250.00} that I owed due to the verbal contract ( COVID19 Recovery program ) we agreed over the phone earlier. In XX/XX/XXXX I received the statement and the changes had not been made I called and spoke to multiple people and continue to call and speak to managers. I was told in a recorded line that no changes had been made and corrections had been made by the last representative in XX/XX/XXXX and now my account was late for {$1600.00} dollars and it was late in my credit as well. I continued to call and opened cases in my profile. I was informed that someone from Synchrony Bank will contact me to resolve the issue and someone left me a message and immediately closed the case and never resolved it or investigated. Synchrony bank has a lot of miscommunication within their bank, their customer service do not provide the correct information and omit information. Synchrony bank also has a lot of operational issue and due to their lack or inappropriate information and operational issues and their incorrect reporting to my credit, this has provided me financial hardship issues.
Product: Debt collection

This is in response to complaint XXXX. 

Midland Credit Management still has failed to VALIDATE that I owe Midland Credit Management a debt!!!! I dont owe Midland Credit Management anything!!!! The original creditor is the only person according to FCRA that can validate a debt pursuant 15 usc 1692g. The documents that were submitted by Midland are fraudulent and only verify that a debt exists but doesnt validate that a debt exists by myself that is owed to Midland Credit Management . Also according to 15 usc 1681b ( 2 ) all transactions between a consumer and person are to be excluded from the consumers credit report! Even if this debt was valid my rights as a consumer are still being violated and pursuant 15 usc 1692k each violation is punishable in the amount of 1,000.00. Furthermore Midland Credit Management is also in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. You are giving the false impression that you are working with the original creditor which is not the case. The debt has apparently been sold and therefore the original creditor according to you doesnt even own the debt!!!!! You are furnishing false information which violates 15 usc 1692e ; debt parking which is a form of harassment which violates 15 usc 1692d and 1692f. As stated above Midland Credit Management is civilly liable for each violation of my rights as a natural person!!!!!
Product: Checking or savings account

I was being charged extra for not using my debit card a certain amount of times in a month
Product: Checking or savings account

Navy Federal Credit Union took all the money in my checking account and applied to a credit card I had with them. They did not ask permission and i did not permit this. The transaction was unknown until my account was declined use. There was over XXXX in my account. When they took it to XXXX. 

This is against the FAIR CREDIT BILLING ACT. They can not take money from someone's checking without permission. More importantly the money in my account is from the VA pension. This money can not be touched by any entity EVEN with court approval. Not even child support can be taken. 

I have called numerous times. i have been yelled at. Told I was wrong. That i am ignorant and a thief ( will not pay the debt off under any circumstances, until they reimburse me for property taxes I did not owe ). All of these calls have been recorded my NFCU and myself. 

I am a XXXX  % XXXX vet. I recently lost my job. i am a single father to an XXXX child, not to mention I am also XXXX  ( a reason I was XXXX retired ). I have filed numerous complaints. I have contacted news. I have sent NFCU the regulations they are breaking AND still nothing. I have reached out to my senator, mayor, congressmen, POTUS. Will continue reaching out to their uppers ( already contacted their CEO and head of the board ). 

They robbed me. Left me penniless and seem to not care in the slightest.
Product: Credit card or prepaid card

XX/XX/152020 : unauthorized charges on credit card from XXXX {$49.00}, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ( TOTAL charges {$7800.00} ). 
My wife and I called our bank USAA on XX/XX/XXXX disputing the charges as fraud and cancelling the credit card from further use. My XXXX, XXXX XXXX, XXXX, XXXX, and XXXX accounts were all hacked. The XXXX XXXX, XXXX, and XXXX accounts were unrecoverable. 

USAA sends information to fraud  team and takes the money off of our credit card account. 

XX/XX/XXXX, fraud  team says the charges were valid and puts the money back on the card. 

Myself, wife, and mother, the three members on the card have repeatedly called USAA disputing the fraud  teams claim from XXXX XXXX XXXX USAA claims they can not talk to the fraud team that made the decision but could message them to call us. This was done at least 5 times. 
The fraud team never contacted us. 

USAA finally provided us with a contact at the fraud  team. We have left at least 5 voicemails to contact us back because they never answered the phone. 

We have been trying to reach out to XXXX as well. Due to the accounts being hacked XXXX would not discuss information about the transactions or the account. 

I have reached out to a lawyer to help dispute this claim. We feel vulnerable and extremely unsatisfied with USAA on this.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with XXXX in regard to this account XXXXXXXX XXXX XXXX stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows do date for when the payment history which is another inaccuracy! The account is also Charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the XXXX credit report website XX/XX/XXXX. I've attached the results of the requested investigation and I've attached the response showing that XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} Request : Delete account immediately
Product: Checking or savings account

Advertised on Bank of America 's website was a promotion for opening a new savings account. I opened an account and deposited the money ( >  {$150000.00} ) on XXXX/XXXX/XXXX. 

After meeting the terms of the promotion, I noted the promo money ( {$500.00} ) was not deposited into my account. I phoned BOA on XXXX. After being on the phone for one hour with the representative, she located the promotion and told me the amount would be deposited in my account within 3 days. 

On XXXX/XXXX/XXXX BOA phoned me and advised that I would need to bring a copy of the promotion to my local branch as " proof ''. I complied. The branch manager ( XXXX ) scanned it into the database and I received a call today ( XXXX ) from XXXX that the marketing department was refusing to pay the bonus because the promotion was only for targeted customers. 

The promotion was advertised on the public website so I am unsure how the promotion can be only for targeted customers. There is no mention in the promotion that only certain humans qualify. The copy of the promotion is attached. This is yet another example of the nefarious practices of big banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Bank, To Whom It May Concern, My credit report indicates a hard inquiry by " BrclysBankDE ''. It is my understanding this is Barclay Bank and affilated companies.

For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my XXXX credit report.
Product: Checking or savings account

USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.
Product: Mortgage

I have been living here in this house since 23 years. My husband borrowed against this house in XX/XX/XXXX all in his name. The note is on his name and he passed away in XX/XX/XXXX. I have been in touch with the bank ever since he passed away to transfer the note on my name so I can continue making the payments. The bank refused to talk to me since I am not on the loan. I explained them that my late husband and I both jointly own the house. However, they have not acknowledged me on the loan ever since then. I called Ocwen about 20 times in the past one month to save my house and they refused to transfer and therefore the loan modification is not available to me. They are still sending the loan modification offer only to my dead husband. Now they want to foreclose me on XX/XX/XXXX. I NEED TO SAVE MY HOME. I have an XXXX year old mother and a XXXX  old daughter who depend on me.
Product: Debt collection

They do not care about people when they call in. They use foul language and really belittle you. Never received anything from these people just a slap on my credit report!
Product: Consumer Loan

I have a vehicle that went into reposession with Santander in between XXXX. This account is listed as charged off. A balance of {$1.00} reflects every month as 90 days past due. I called Santander to ask them to change this account to a XXXX balance. They would not do so, nor allow me to pay a {$1.00} balance. Instead I was asked to call a separate phone # /department first. After calling the separate department that I was referred to, the representative informed me that I must pay additional fees ( between $ XXXX {$800.00} ) before they would consider removing or XXXX out the balance. I have never been notified of these outstanding fees and feel that I am now being held hostage by fees that I have never been advised of. I feel this creditor has an obligation to my credit profile to report fairly and accurately. I tried to satisfy the debt and am now being advised of new charges that I 've never been shown an accounting for.
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 Account Name : 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: Credit card or prepaid card

I have a bank of american XXXX XXXX  card and I received an email on XX/XX/XXXX about a Bank Amerideal of making 2 payments on XXXX XXXX XXXX of XXXX each to get a cash back of {$75.00}. I made the payments on XX/XX/XXXX ( posted on XX/XX/XXXX ) of XXXX each and got an email from Bofa confirming that it triggered cashback. I didn't receive any cash back in my account for over a month and followed up several times but no one is willing to help on customer care services. I am requesting BofA to honor the {$75.00} cashback they adverstised as part of this promotion.
Product: Money transfer, virtual currency, or money service

I received a text from a number claiming to be Bank of America. They asked if I had authorized a transaction on XXXX  To press y or n for yes or no. I replied n and a text came up asking if Id like an agent to call me. I said yes. They called and it was a Bank of America phone number. I answered and spoke to an agent who walked me through transferring the money back from XXXX to my account. I was at work and flustered and confused. I asked a number of times who I was speaking with and they even told me to look the number up, which I did on XXXX. It was the Bank of America number. They attempted to transfer {$3500.00}. They were only successful in transferring {$2000.00}. They sent it to some XXXX XXXX  account using my email address but XXXX XXXX could not give me any information. Bank of America opened a claim and ruled that I was in the wrong because I authorized the transition ( part of a scam ). I have not been able to get any of the money back. The next day the same number called me ( XXXX ) to check on me. It was the same caller from the day before. He was trying to get the last money, when I told him I knew he had stolen from me he laughed and hung up.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( CHAPTER 7 BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I have an active account with Capitol One. I requested a credit line increase that was declined for no stated reason. I called and spoke to several representitives and they could not provide a reason or anyone I could speak to to determine the reason for the decline. The account has been open for over five years with the balance paid monthly. My credit score is excellent and I have close to {$1.00} XXXX in that bank, no debt and monthly income of $ XXXX/mo. I'm assuming the cause is my age, soon to be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid Experian for my full credit report. Unfortunately I had to sign up for a monthly service which I did not want. The only way to cancel it is to call, which I have, but they refuse to answer the phone.