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

My complaint is with Mariner Finance. I have REPEATEDLY asked the local branch not to call my work number and leave voicemails because I am not the only person that has access to that voicemail. They have repeatedly ignored my request. They called this morning at XXXX and left a voicemail. My Sales Manager got the message and sent me an email. I do not want my co-workers knowing my financial business, but now they do and I am very mad! Them calling my work is against the law, especially when I have asked them not to. 
I am 1 month behind on my payment due to a financial hardship, and I have tried to get them to help me, and they refused. I told them that I could not longer make the high interest payments and pay the enormous fees but I do want to repay the principle amount that I borrowered from them. I have asked them to eliminate the enormous fees and interest from the account and to just let me make payments on, or even pay off the principle. They will not negotiate on any of the terms. They will only agree to roll the pastdue amount to the end of the loan AND ADD MORE FEES! They constantly harass me with calls and calls to my work. They have intentionaly violated my privacy! 

Last year my self employed XXXX got XXXX. I have been trying to help them, plus keep all of my bills paid. They have a new baby due in two months. It has been very hard and I am doing the best that I can. Other creditors were understanding and was willing to negotiate the terms of my debts. Mariner would not! 

Please tell me that they is something you can do about this situation. I told them today to cease and decease on any calls to me. These companies should not be able to get away with the type of collection efforts they use. 

I have attached two screen shots showing evidence of them calling my work number.
Product: Debt collection

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,
Product: Credit card or prepaid card

Bank of america let the XXXX XXXX XXXX XXXX over draw my account when the casino hotel didn't even have a hold on the funds I did not approve the transaction the hotel clams I ruined a couch and carpet but i didn't my jaded ex worked there but the point is i called bank of America 's XXXX number daily and was finally told rudely I shouldn't have messed up the room which is irrelevant because they didn't put a hold my card when I checked into the hotel and I overdrafted my prepaid Bank of America unemployment card {$1300.00} and wasn't able to get my unemployment check for over 2 months paying that money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I have sent 3 letters of dispute to the 3 credit bureaus equifax, XXXX XXXX  XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards Equifax 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
Product: Credit reporting

Requested Equifax to remove accounts past 7 years per law and they refused.
Product: Debt collection

This company continues to fail to validate the SCRA ( Serviceman Relief Act ) which entitles the serviceman to receive 6 % rate regardless if they bought the account from a prior creditor as long as the account was open prior to entering the service. The process requires the rate percentage to be amended to the amount and then provide the consumer with the final amount to pay off their amount. I have called several times, dispute the account on my credit bureau, and they still refuse to warrant the relief that I have the right to have. I inform them JAG validates this relief and those who do not follow it are clearly violating the serviceman 's right! 

This company tried to sale my account yet to another collector that threaten to take legal action and once advise to SCRA and dispute stated that they need to handle the situation and they will no longer persist. 

I reached out to them several times t warrant my relief and pay off the deft, but all they try to do is give me some sort of payment arrangement, but refuse to truly validate SCRA. Previously they pass on this account to yet another collection company, but they had no problem to warrant the relief percentage, but when I called back to payoff the agreement they account went back to LVNV FUNDING LLC due to my dispute through the credit bureau. As I called LVNV FUNDING LLC again they continue to refuse to validate the relief. I inform them I have spoken to an attorney at JAG and they have advise that the relief should be validated.
Product: Credit card

On Wednesday, XX/XX/XXXX, XXXX XXXX, I contacted Banana Republic Barclays US about a {$2.00} Minimum Charge fee on my Mastercard, charged on XX/XX/XXXX, and listed on my Mastercard Statement, XX/XX/XXXXXXXX XXXX XXXX 

The representative, XXXX at ( XXXX ) XXXX, could not specifically direct me to where or when I was provided a disclosure for this additional fee. The representative could only point me to a page on the website related to APR interest and fee. The fees noted do not include a Minimum Charge fee. Additionally, I have my account opening disclosure documents and searched the Banana Republic Barclays US website regarding fees, and there is no disclosure about an additional Minimum Charge fee when only a minimum payment is made during a statement period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had all my personal information, address, birthday, social security number and credit information stolen. I reported it to XXXX, the three credit services and once again information hacked, the freeze on my credit was hacked, freeze lifted after less than two weeks and thee fraudulent name added to my identity.. More accounts opened.
Product: Mortgage

Citimortggae keeps losing letters of authorization .A permanent '' Letter of authorization '' onwas sent to me an I filled out it was sent back electronically and certified mail to XXXX XXXX and XXXX .This is a delay tactic.also CitiMortgage fails to answer my XXXX 2015 letter for answers on a solicitation they sent to me.
Product: Mortgage

I have tried numerous times to call them and have had no response, waited on hold and got disconnected. Left number several times for a call back and Im still waiting, this has gone on for a week and a half. I have left 5 emails, each one more desperate and frustrated. I have gotten 2 email responses, each one took a week and each one was to my first two emails which were generic emails saying the exact same thing, to  call which Ive done several times or look on there website which does nothing!! I have been forced to shut my business down due to coronavirus and the minimum will be 7 weeks with no income, chances are it will get pushed out further and we are trying to have mr cooper do something to help us like so many other mortgage companies are doing and they are doing absolutely nothing, you cant even talk to anyone. They are the absolute worst experience I have ever had in my life with customer service. They do not care about there customers and based on other responses Ive seen on there XXXX page, we are not the only ones. The amount of complaints I have seen is unbelievable and I cant wait to be done with them, they shouldnt even be in business. I will absolutely refinance away from them as soon as I am able too. They dont care about any of us that are struggling due to coronavirus, I have never been late on my mortgage with them. They only care about themselves.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX continue to report inaccurate information on the account Dpt EdXXXX XXXX. 

Account # : XXXX XXXX XXXX Bureau Code : Individual Terminated Individual Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$44000.00} {$0.00} {$44000.00} Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Last Active : XX/XX/2023 XX/XX/2023 - Date of Last Payment : XX/XX/2023 XX/XX/2023 - This means this account has not been properly verified per the requirements of FCRA. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the Original creditor, XXXX XXXX XXXX, reporting a delinquency on my credit, after they sold the account to Midland Credit. The issue is that XXXX XXXX is still reporting the account delinquent on my credit, and Midland is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two Hard Inquiries are not mine. 
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is inaccurate information on my credit report. This is being reported to my XXXX and no other credit agency. Per 15 U.S.C. 1681 Accuracy and fairness of credit reporting. As well as 15 U.S.C. 1681a 603 states exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give consent to American first finance to report this information on my credit report. So I need this to be removed as it is not accurate according to my other 2 credit agencies nor did I give this company permission to report on my credit report. This has negatively impacted my life as it is a derogatory mark on my credit report.
Product: Debt collection

I have a debt with XXXX XXXX ( XXXX ) XXXX-XXXX in XXXX XXXX. {$1300.00}. I've been on a payment plan and have never been delinquent. My account was turned over to the collection agency Harris and Harris in XXXX IL. phone ( XXXX ) XXXX-XXXX  account reference number XXXX. 

I do not owe this collection company. They are demanding I pay both bills if the exact same amount. I'm caught between this health care company and this collection agency. I owe and am paying XXXX XXXX. I do NOT owe Harris and Harris. 

Please help me
Product: Credit card or prepaid card

Please see the original complaint I filed along with additional documentation. You closed the complaint but it is NOT resolved and only getting worse. I ask that the CFPB please intercede to help correct the issues on my credit card account. 

Original CFPB Case XXXX
Product: Credit reporting or other personal consumer reports

i have been fighting with all three bureaus and have filed ftc reports but nothing has been done
Product: Checking or savings account

I have been a customer of Xenith Bank which is merging with Union Bank and Trust. 
I use online banking to pay my mortgage and other bills. 

During the change from Xenith to Union, the dates on my auto payments were changed without my consent. They acknowledge that my mortgage payment of {$1200.00} was supposed to be made on XX/XX/XXXX. Instead, they made the payment on XX/XX/XXXX without my consent. This is before my pension on XX/XX/XXXX will be deposited. 

This payment has caused my account to go in the negative by {$720.00}. They have apologized but since the money has been sent out, they will not redeposit it. When my pension is deposited that negative will be covered. But until then, I have no money for living expenses. They refuse to help with that and will not redeposit the amount inappropriate taken out.

I contacted them on XX/XX/XXXX about this and was assured the money would remain in the account and to " relax, have a good weekend, and don't worry about this because the money will remain in your account. '' Today, XX/XX/XXXX, I found that was not the case and the money was taken out, again without my consent. I have no money to live on for the remainder of the month which is creating problems for me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account # XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Summary : The account in question is an installment loan opened on XX/XX/XXXX, now closed with a zero balance and a payment status of " current. '' However, late payments were inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. My records, including bank statements and payment confirmations, demonstrate that these payments were made on time and that no delinquency occurred during these months. 
Violations : FCRA Violations : Failure to ensure the accuracy of reported information under 15

U.S. Code 1681i. Non-compliance with the 21-day advance statement requirement under 15 U.S. Code 1666b. TILA Violations : The inaccurate reporting constitutes a failure to provide timely and accurate disclosures as required by the Truth in Lending Act, causing undue harm to my creditworthiness and financial stability.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction to the address provided above. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
I trust that you will address this matter with the urgency it deserves. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 has violated my rights. Or list of inquiries 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 agen

cy 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 reporting, credit repair services, or other personal consumer reports

Im victim of identity theft, and somebody opened multiple credit cards accounts and used under my name, after finding out problem, I got police report and FTC report, and notify to all credit bureau, they removed all negative items, buy only Experian didnt remove XXXX XXXX account starts with XXXX
Product: Checking or savings account

To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( XXXX ) : Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$110.00} - XXXX XXXXXXXX XXXX XXXX - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 10 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please review Capital one claim # Re : We need some more info for your dispute [ XXXX : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your Order Number : # XXXX. I reached out to XXXX XXXX over 5 times via email was told by a XXXX in chat I will be getting a refund within XXXX hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX XXXXXXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. I can be reached via email or XXXX Sincerely XXXX XXXX please contact me i never seen the previous settlement. back in XX/XX/XXXX someone told me charges would be removed however not reflecting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo XXXX XXXX XXXX XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX
Product: Credit reporting or other personal consumer reports

Pulled credit without a signed XXXX XXXX  XXXX form SSA-89
Product: Credit reporting or other personal consumer reports

I am listing one Public Record Fraudulent from all of my 3 bureaus : Experian, Equifax and Transunion. Listed Public record does not belong to me and must be removed from my all of my Experian, Equifax and Transunion. I had a call with the company and the credit reporting agency advised me to file and identity theft report for deletion. I am requesting Experian, Equifax and Transunion mark this Public Record fraudulent and remove from all of my 3 Credit Reports.
Product: Money transfer, virtual currency, or money service

My mother was contacted on XX/XX/2023 by someone claiming to be a bail bondsman who was working on getting my sister out of jail and into a XXXX  facility. She put the man in touch with me so I could assist with digital transactions as this is not something she is familiar with. My mother forwarded an email to me that contained an attachment appearing to be from the XXXX XXXX XXXX regarding a felony charge against my sister. The charge was verified by checking the county website for current inmates. My sister had been picked up for a possession charge, which is a XXXX XXXX felony for certain XXXX  in the state of XXXX. 

The man stated he would require XXXX XXXX of her bond to work on her behalf to get her into court-ordered treatment. I received a request to pay via my Chime account in the amount of {$260.00} to satisfy the XXXX  XXXX  of the bond. I subsequently submitted this transaction via the app on my phone. 

Later in the morning, my mother received a call stating there were additional charges against my sister in a different city. According to the " bail bondsman, '' my sister had XXXX traffic violations in the city of XXXXXXXX XXXX. My mother received a second document via email attesting to these charges. The charges for this totaled {$600.00} and, according to the bondsman they would not agree to dismiss these charges until paid in full. Without dismissal, my sister would not be able to attend the rehab program. I then received a Chime request for {$600.00}. I was only able to pay {$260.00} due to transaction limits on my Chime account. I paid the remaining {$270.00} via a " barcode reload '' at a XXXX XXXX store. 

In total, the " bail bondsman '' received {$770.00}. As the day wore on, I became suspicious. I contacted the county jail to ask if they were familiar with this " bail bondsman ''. The jail confirmed it was a scam and not to send any money to this person as they were not, in fact, a bail bondsman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12