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

I am resubmitting this. I am not sure how my complaint got my husband 's name ( XXXX XXXX ) attached to it. This account that I created is clearly in my name ( XXXX XXXX ) and I submitted this complaint through the Consumer Financial Protection Bureau with an account also clearly in my name ( XXXX XXXX ) On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Debt collection

This company Midland Credit Management continues to make new phone calls to harass and call at odd hours such as XXXX or after XXXX and they make new numbers every time you tell them to stop calling or block the number, they will call again with a new number. I don't even know what this is about because the only debt I have had in the past I am in a dispute about with the medical provider because I have paid them and have evidence of having paid them and they are trying to fight me on it. This should not be a part of debt collection at all if I am still talking to the medical provider themselves. This company continues to harass at odd hours of the day, calling when I am working or sleeping. The calls are robot call you can't even tell someone to stop calling.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my account XXXX XXXX. Around XXXX XXXX I was applying for an XXXX loan so I called customer service to make sure I wouldn't have an issue depositing the funds in my account. The rep on the phone said I was fine. XX/XX/XXXX I get my loan proceeds and the same day the bank puts a permanent hold on the funds demanding I send them documentation. I send out documents on XX/XX/XXXX. XX/XX/XXXX they look at my account and discover my SSN is incorrect ( the banks error ) and freeze all of my accounts. They tell me to bring SSN into bank to verify and sign new signature cards. I go into the XXXX, CA branch on XXXX to update my info and they refused to help despite my account being 100 % frozen and no access to any funds. The assistant manager spent 20 minutes arguing with me in the lobby instead of 5 minutes to update my info and have me sign a new card.
Product: Mortgage

In XX/XX/XXXX, my wife and I closed on our loan for our home. It was to be a conventional construction loan and per the closing disclosure we were not to have an escrow account. From XX/XX/XXXX, toXX/XX/XXXX, we did not receive notification of any changes to our loan until we received a XXXX package on the front doorstep notifying us that we owe over {$7000.00} to finalize the loan. We were not notified of this amount previously and the communication from the company was only the interest bills that we were aware of and paid. I began to dispute this with the company in XXXX, it was not until XX/XX/XXXX that we received another XXXX package on the doorstep in which they state we owe over {$8800.00}. According to our closing disclosure, they opted out of us having an escrow and are now attempting to force into one with a large sum of money due to them immediately. We are not the only family to deal with this as we have met others with the same issues with this company. They have recently told me that the loan was not a conventional loan, but a XXXX XXXX loan, which is not disclosed on the closing documents. We have been told numerous things for them to change later. This company has lacked communication and lacked the ability to follow their own documents and force the consumer into large amounts due without notice.
Product: Credit reporting or other personal consumer reports

Hi, this complaint is for my oldest account which is Capital one. XXXX I opened the dispute from XXXX to XXXX of wrong personal information from my XXXX credit report. after XXXX week when I checked my credit report my oldest account CAPITAL ONE was removed from credit Bureaus. I call them immediately. they ask me XXXX reported to us this account was opened fraudulently application that's why we remove this account. I called XXXX and I spoke with supervisor about this issue. He sed sorry this was our mistake, and we reported wrong item as a fraudulent account. I never dispute the CAPITAL ONE ACCOUNT as a fraudulent account this account was opened by me on XXXX, and I am responsible about this account.my account right now is restricted and close because of wrong dispute from XXXX. I really need to reopen this account from capital one because this account is mu oldest account and now my credit score dropping from XXXX to XXXX also, I did the CFPB complaint to XXXX XXXX give me or send the letter to capital one which they did mistake on my account. I attached all document which I have.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES CONTINUES AS NON AFFILIATED THIRD PARTY TO HARASS, ABUSE AND VIOLATE MY RIGHTS A CONSUMER. TO ATTEMPT TO COLLECT A DEBT OBLIGATION THAT HAS BEEN WRITEOFF AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
Product: Debt collection

I was contacted today by the law offices of Maury Cobb and they stated I had a debt with XXXX. I have never been notified of the debt nor had a ever received a final bill with XXXX. I asked them what address I had on file and it was an old address. 
I asked if they could update my address and mail me a final bill so I could review it. I also asked them to remove this from my credit report until I can find out if the charges are correct. 

The rep, XXXX XXXX, said it was too late for that. I asked if they had to follow the law, and she said it was too late. I asked to speak to her supervisor and she stated he would call me back. Her supervisor, XXXX XXXX, never called me back I called the original collection agency and spoke with a rep named XXXX who hung up on me twice. I called a third time and spoke to a supervisor named XXXX XXXX who advised me to call the law offices.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX  XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations as this company is reporting an open account status but is reporting it as charge off repeatedly every month. 

I am demanding a deletion of the following account.
Product: Checking or savings account

I had tried to make a payment and the bank have declined and suspended my account, they are refusing to close my account and send me my funds They are trying to send me to branch where there was covid problems
Product: Credit card or prepaid card

I have a complaint about Fifth Third Bank Credit Card Here is the story, around XX/XX/XXXX, I was going over some papers before discarding them and in the process I found an unopened envelop from Fifth Third Bank with a refund check in the amount of {$72.00} ( XXXX XXXX dollars XXXX cents ) dated XX/XX/XXXX, for a credit I had on my credit card. I immediately called customer service to inquire about what to do, since it was almost 5 years later. After transferring me to several Customer Service representatives, I was told that since the check was not cashed but was too old, they would re-issue a new check and mail it within in the next couple of weeks. 

Almost a month passed when I received a call from Fifth Third Bank from a representative named XXXX ( Ph XXXX ), XXXX XXXX told me I was on a recorded line and I asked her if she was calling about the check that the bank said would be re-issued and she went on to say that the check was cashed and they would be sending me information to that effect. I asked her if they had a copy of the check signed or deposited by me and she said yes. I told her I still have the check in my possession together with the attached letter. She told me information would be sent to me by maiI in that regard. 

A couple of weeks later, I received a big yellow envelope with copies of credit card statements with no further explanation, nor a copy of the cashed or deposited check in question. They sent parts of statement for XXXX and XXXX indicating a {$130.00} payment and a {$72.00} Credit. 

A XX/XX/XXXX to XX/XX/XXXX statement, indicating a {$72.00} Refund bringing the balance to {$0.00}. That statement went from XX/XX/XXXX to XX/XX/XXXX. The check I received is dated XX/XX/XXXX. 

Another statement from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$100.00} for a XXXX charge. And the previous statement took the {$72.00} credit because they had issued the refund check on XX/XX/XXXX, but the check was never cashed since I still have it with me. 

Could You please help me to correct this matter? 

Sincerely ; Fifth Third Bank Customer
Product: Checking or savings account

I think they do this because I am XXXX XXXX, born in XXXX, but this bank steals money from me by blaming things on their " computer '' that does not seem to track transactions in real time, and when every thing finally gets adjusted it's a total mess. They have already investigated there accounts not being able to show real time activity but did not let me know the result. Why? Because it's about them getting money out of the scams they design that's why. 

So this issue happened twice. First, with a refund that showed up and then got deleted from my account. They provided a credit for me but I ended up having to pay the credit back. They seem to be making money from their dispute process and accounts that don't adjust in real time, making customers think they didn't have funds at a time they actually did and the have to cover their own negative balances that can't be accounted for. 

For the current incident : I have a draft coming out of my account every third of the month ( that I recently cancelled in order to start paying directly ) from a merchant, but it was taking a while to post due to funds not being available in my account. Then I received a letter from USAA saying they declined the transaction of {$310.00} due to insufficient funds. So, that's what made me pay the merchant {$310.00} directly. Then over the next couple of days, I saw my balance drop to negative state and also saw a pending transaction for {$310.00}. Am I XXXX? They told me the would not allow a transaction to go through for {$310.00} due to insufficient funds, but they did allow, stating the transaction was a " pending transaction '' and that it would fall off. So, the transaction fell off, but my account is still negative {$120.00} that can't be accounted for due to the cover up. they say my account is auto decline and they don't give customers money to pay for things so if not, why am I negative? I have had the money in my account for all transactions except for XXXX XXXX  with no insufficient funds fees and no rep from USAA can seem to figure out what their notorious " computer '' is doing, and I'm always having to pay for their mistakes, not this time. If so, I will try to get the money back if I possible, court or something. 

By the way, good luck figuring out transactions since they are misadjusted and not in real time. so transactions at the top are not the latest and the balances are even flat out LIES
Product: Credit reporting

Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.
Product: Payday loan, title loan, or personal loan

I got the {$4500.00} loan from Momnt ( https : //www.momnt.com/ ) when I signed up for medical treatment at in XXXX, MD . When the medical treatment became obvious to me that it was a scam, I reported them to XXXX and they agreed to give me a full refund if I dropped my complaint. I agreed. 

The loan was forgiven immediately, but I had already made four {$250.00} payments on the loan. I waited a few months for my {$1000.00} refund, when I never received it, I began calling their customer support. In XXXX, I called them and spoke to a manager ( I didn't record his name ) and he agreed that the money was owed and that it would take up to two weeks to process it. 

After three weeks on XX/XX/XXXX, I called customer support again and talked with a woman by then name of XXXX ; she confirmed that the refund was owed and promised to call me back when she knew why it was not issued. She never called me back. 

On XX/XX/XXXX, I called customer support again. This time I spoke with XXXX who also confirmed the refund was owed but that the system that processed these refunds was down and that it may take months to repair. She told me an email would be sent when it was fixed. 

It does not take months to fix a system. I wonder if they business is failing, and they are holding on to not only my money but others owed to delay their demise. Whatever, I am being mistreated, probably illegally, by this lending company, Momnt.
Product: Credit card or prepaid card

The Chase Credit account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THESE ACCOUNTS ; XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX. XXXX. 
XXXX XXXX 
XXXX. XXXX XXXX XXXX. 
Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Product: Payday loan, title loan, or personal loan

Ive paid a total amount of XXXX to XXXX XXXX. My payday loan was only for XXXX. I contacted the company about taking funds from my account and they said I was supposed for pay off interest. The amount I paid already is double the amount issued and there still trying to get money from my account
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with PayPal Goods & Services and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called PayPal to dispute the money. PayPal said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through XXXX, with the contact information XXXX. I did that, but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, PRETENDING to be XXXX. They said " XXXX : for your protection, your {$100.00} payment to XXXX XXXX XXXX  was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refused to give me one.
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 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 XXXXXXXX, have 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 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 XXXX 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

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, Equifax, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

FED LOAN HAS BEEN USING MY REPORT FRAUDELANTLY xxxxxxxxxxxxx XXXX I DIDN'T ALLOW THEM TO USE MY PERSONAL INFORMATION WITH OUT MY CONSET THEY ARE IN VIOLATION OF 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

This is grounds for removal and monetary relief immediately.