23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$80.00}
Product: Money transfer, virtual currency, or money service

XXXX money gram online. For deposit on embroidery machine. They cashed it and ran.
Product: Credit card or prepaid card

Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}.

The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me. 

According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people.

2 ) Avoid Discretionary Travel, shopping trips, and social events.

Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues.

The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX. 

I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %. 

The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Product: Checking or savings account

I opened a new account at Truist Bank with an opening deposit of {$25.00} on XX/XX/year>. I then deposited a {$9000.00} check from XXXX XXXX XXXX on XX/XX/year>. I was told that the check would clear on XX/XX/year>, which is fine. I waited and check cleared. Now the bank froze my account and debit card so that I can not even pay bills. I was told my account is being investigated and there is no update. I only have XXXX transactions on my account and they won't give me a date or any information on when I will be able to access my funds. I took a loan from my XXXX account to cover unexpected expenses and they are holding it for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent XXXX, XXXX, and Transunion a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  XXXX  per violation and clearly they violated my rights.
Product: Student loan

MOHELA is my student loan servicer. I have sent them a message and I've tried to call them to inquire about my income driven repayment plan recertification date. My account says the recert date is XX/XX/2023 but the student aid.gov website has mandated that recertifications are pushed out until at least XX/XX/2023. I've tried calling them many times but there is a complicated convoluted phone tree and I am unable to be able to get through to an agent to discuss the situation. I've also had my phone call dropped numerous times when I tried to recall them. The automated system states that my income driven repayment date is XXXX XXXX and that if I don't recertify then my payment will jump up to {$1400.00}. I am terrified because I would be unable to afford that.
Product: Checking or savings account

They double charge wireless, even if sender covers and payment received is lower. Not only are their fees much higher but they charge them anyway on a no fee charge. Double dipping is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about XXXX insurance and their apparent use of XXXX . which is subject to the FACTAct which is missing information regarding insurance on the property for which I served as Trustee and now serve as manager for the management company for the present owner ( s ). <P/>I served as the Trustee of my dad 's trust managing his home and financial affairs during his late life and after his passing. I arranged for and paid the premiums of his homeowners/ landlord policy. After his passing, I arranged and signed for the transfer of ownership to my younger sister and her husband and became ( rental ) property manager for them as they live in a distant location. <P/>In arranging property insurance for them with XXXX, I am now advised that they have issued the policy with a one month term and non-renewal notice based on the statement that no insurance is presently in place. This is not true and I have evidence to show that. Further, they did not reach out to either the agent nor to me or the owner to obtain clarification. It appears that they have relied solely on XXXX. This database is apparently not up to speed as the change in ownership and change in insurance and prior insurance agencies have muddied the water. <P/>I have contacted the XXXX Chairman 's complaint hotline : XXXX XXXX at XXXX x XXXX. She said she is unable to receive from me the evidence of insurance that I wanted to provide to them. I do not believe that LexisNexis ( owners of XXXX ) will respond sufficiently fast in correcting their database, and then am totally skeptical that XXXX will correct their inaccurate assessment timely to avoid an insurance crisis. <P/>Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted Transunion by phone on XX/XX/2019 to inquire why my score had dropped by 10 points. I was advised by XXXX XXXX that two of my credit card issuers had reported incorrect information on my credit report. XXXX XXXX stated that I should call the credit card companies and request that they report the correct information. My dispute nor my complaint was regarding balance details. 

The first credit card company XXXX XXXX XXXX had reported that a payment had not been made as of XX/XX/2019, and an available balance of XXXX. I had paid XXXX on XX/XX/2019 and the balance owed is currently XXXX, with an available balance of XXXX. I called XXXX XXXX XXXX and spoke with XXXX XXXX and asked that the report to Transunion be upgraded to reflect the correct information. 

I then called XXXX XXXX Bank and spoke with XXXX XXXX to request that Transunion be updated as well to reflect the correct information, and I was also informed of a card limit increase from XXXX to XXXX, and that XXXX XXXX submits its report on the XXXX of each month. My complaint is to challenge the payment history that is showing up that one account was late and both card company balances were incorrect. The following day on XX/XX/2019, I received another alert from XXXX   XXXX and XXXX XXXX that my score dropped again and I have a negative payment history from Transunion. 

The only activity on both cards is that I am paying them on time and before the due date each month. I called Transunion again to ask how my score went from a XXXX to a XXXX because of incorrect information. I was advised by XXXX XXXX that because I have two bankruptcies on my credit file that are over XXXX years old that is whats affecting my score as if I filed it 30 days ago. 

I am trying to rebuild my credit, but this apparently will not work if someone at Transunion keep using the Bankruptcy against me every 30 days not and looking at my payment history or card balances.
Product: Debt collection

Portfolio Recovery Associates has been contacting me from different numbers in violation of my legal representation and rights due process under the law. 

Furthermore they have been frequently contacting me without any identification as a debt collector or by leaving a message stating their identity. 

All of my debts are past the statute of limitations for collections. 

I am a XXXX XXXX XXXX veteran. I have had legal representation since XX/XX/XXXX. My XXXX XXXX effective date of XX/XX/XXXX. All of my creditors were notified by me and by counsel of my XXXX and representation in XX/XX/XXXX and XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

To start off, I applied for a personal loan of {$3500.00} on XX/XX/2022. This was an emergency loan because financials were tight for the time being and I needed some funds to cover me for a while. I was well aware of APR % and I was comfortable with it. I got prequalified and signed the agreement. They requested the necessary documents, which I have sent the very same day. Then I received an email stating to email my employer information ( name, address, number and occupation ). I already that information in my online account but, I emailed it anyway. I didnt email anything that would jeopardize my own identity and security. 

The next day, precisely in the morning, on XX/XX/2022, I then receive an email asking for recent bank statements. I sent those documents. I emailed customer service because for some reason, I am not given the option to speak to someone directly. Hours pass by and I received no responses. I emailed them asking if there are any other documents that are needed to further the loan processing further. No response. Instead Im getting multiple emails from two different addresses asking for my employer information again and again. Which is kind of weird and skeptical because what loan lending company sends from two different email addresses. They also asked me to email my bank statements when theyre already uploaded on my online account. For identity and security, it is clearly NOT safe to email bank statements when youre receiving emails from two different addresses, supposedly associated with the same company. So I didnt send anything else after that. Im currently waiting for responses or ANYTHING at this point.

However, prior to these repetitive emails, I also received an email saying my documents were received and will be sent to the loan processing team. Some time passes by and no response from any of the emails I sent to customer service. I sent one final email stating I would like my application declined because I do not want to do business this company ( Net Credit ). 

There is no customer service and I have doubts of the security and professionalism. Also reading from past reviews from previous customers, it seems they also have had the same issue. I would be very displeased for my credit to be ran and dropped more than XXXX points after not getting any responses after my application deadline all because of this non-responsive and unreliable company. 

I have done loans with other lenders and it was always a smooth process and same day funding. And also always someone to talk to. Responses were QUICK!
Product: Debt collection

Today 's Date : XX/XX/2016 Performant Recovery , Inc . 
XXXX, XXXX XXXX XXXX . 
XXXX, XXXX XXXX Dear Collector : I will list items where you have violated FDCPA rules which violate my rights. Thus, I will now file a complaint and take legal actions against your companies. 

The FDCPA Prohibits Collectors from : Failing to cease communication upon request : Both companies were given in writing, a cease communication request. I have the return USPS signed return receipts! 
Repeatedly and continuously calling : I have a log of aggressive harassing calls. 
Communicating with consumer at their place of employment : Staff has notified you on several occasions, said company is NO LONGER at this location / telephone number that was called. 
Communication with a consumer represented by an attorney : Please be advised, I have an Attorney who represents me! 
Threatening arrest or legal action : Please be advised, as per staff, upon last communication with XXXX, XXXX representative stated, " Fraud Charges will be filed ''. This is a flagrant abuse and harassment beyond the scope of your practice! 

Please be advised, I will now take legal action and file a formal complaint with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Im making this complaint due to the following companies failure to fix the personal information on my credit profile. I will like a full investigation and resolution to the following companies for there incorporation in regards to this matter. 

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

I have been trying to dispute this for almost a year now as I do not recognize this debt. I do not recognize the original creditors and want it removed. I do not know if this was part of identity theft or not.
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. 

XXXX ) XXXX XXXX XXXX XXXX ) Affirm XXXX ) XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 ) ( 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. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Mortgage

XXXX XXXX keeps repeatedly calling me, after requesting for them to stop calling me back in XX/XX/2021. I have submitted several complaints with the Do not call Registry, blocked their number, but they still call at least four to seven times a day six days a week. I'm not sure why they keep calling me, but I don't know what else I can do to stop this aggressive marketing harassment. Please reach out to this company, to have my phone number permanently removed from their calling and marketing list. Thank you.
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 Bankruptcy Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number 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 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 reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and Im completely baffled as to why this is happening. Ive always checked my credit report regularly, but this time, there were unexpected errors. I even tried refreshing the browser, thinking it might be a glitch, but nothing changed. The incorrect accounts were still there. I am pleading for a thorough review of the documents Ive provided so that I can stop living in constant worry about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. To my knowledge, absolutely nothing was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.
Product: Vehicle loan or lease

I was XXXX  from my job and needed to defer my payments. Truist denied me and said the reason why was because they required a return to work date and because I had admitted that I was XXXX, they could not approve any such deferment. WHAT? And wow. 
Because of this predatory practice, I now live paycheck to paycheck. I can barely feed myself because my family needs food more and I'm still paying down debts collected trying to keep up my head above water. 
I have already reached out to this site and was met with similar lack of insite and support. 

Can you just pass along to Truist that they are not and never will be a priority to pay? I will continue looking for any other bank that treats it's people like humans, to switch my loan over to. I truly hope this country sees the results of it's focus on greed over people. 
Taking advantage of people who have so little has now become the american way. Disappointing.
Product: Checking or savings account

On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.
Product: Vehicle loan or lease

I purchased a car from XXXX XX/XX/XXXX. The car had MULTIPLE PROBLEMS. I was finally able to trade it off XXXX XX/XX/XXXX. The car was financed through ALLY Financial. An extended warranty was negotiated with XXXX that was incuded in the sum to be financed. Because I traded the car off before it was paid off, the dealership, XXXX XXXX, in XXXX WI paid the XXXX XXXX XXXX ( subject vehicle ). I have a conformation email from ALLY Financial that the vehicle was paid off and they released the lean from the title. I called XXXX and cancelled the extended warranty and I was told that ALLY Financial had to mail the refund in the amount of {$840.00} back to me. I have spoken to several ALLY Financial representatives, last being this morning of XX/XX/XXXX who state that ALLY Financial has not received the {$840.00} from XXXX to send back to me. 

I spoke with " XXXX '' from XXXX this morning also on XX/XX/XXXX who assured me that the sum of {$840.00} was sent back to ALLY Financial. However, again, ALLY Financial deny the money was received. XXXX representative told me this morning that ALLY Financial has informed them that they, by their internal policy, keep that money for 5 weeks before sending it back to me. I do not see anything in my purchase contract that condones that and, again, ALLY Financial deny receiving the money. 

Clearly someone is lying.