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

The company is called Allegro Credit. They provided financing for the purchase of my piano from XXXXXXXX XXXX XXXX  located in XXXX, MD. They have since been acquired by Synchrony Bank. So now they are known as Alllegro Credit, by Synchrony Bank. 
They do not provide monthly account statements. Not only that. But when I did ask for a statement they did not provide me a statement. And instead they provided me a list of my transaction history. And that proved to me that they were also charging me interest after each installment payment I made. Is that right? Are they supposed to charge me interest after each loan payment? 

My main concern is that they do not provide monthly statements, which I did not know was illegal until XXXX just informed me of that fact this afternoon.

And when I called them to get a statement they reluctantly stated that they dont provide monthly statements. And instead they said they would send my transaction history, or payment history, as I only have one loan with them and am current and have always made automatic payments to them on time.

And I have a funny feeling they are not reporting my excellent payment history to the credit bureaus.
Product: Debt collection

I must say that the name may be spelled wrong, because all of my attempts to get the correct spelling failed. 
i called XXXX XXXX XXXX this morning because another complex where i am seeking to move told me that there was a debt collection issue that needed to be addressed ( in case theres more than one apartment named as such, the address of the property is XXXX XXXX XXXX XXXX XXXX, XXXX, GA ) two things are worth noting here : 1- XXXXXXXX XXXX XXXXXXXX somehow remembered me, for whatever strange reason. moving on. 
2- Once she realized who i was, all amicable conversations stopped. 
I dont know if that is the same lady who worked at the leasing office when i was moving out, but if it is, thats even better. because, according to her, i am being charged for a list of things that never occurred. I have a gang of witnesses, due to the fact that i had to leave on a day that suited their availability to help me move out, and they will laugh at the list of damages claimed by XXXX XXXX XXXX 
Now, to the matter of eviction, i made it very clear when i was leaving, why i was leaving, and they threatened me, claiming that they would call the law on me. i called their bluff and left anyway. almost a year later, im finding out that i have an eviction on me. 
i never got one piece of correspondence from them. i have XXXX, XXXX XXXX, and other subscriptions to help me tract my finances, and i never even knew. 
heres my complaint here : i called this morning to inquire on the issue of eviction. while were on the phone, she mentioned the damages, which prompted me to ask more on the damages. like i said, there were NO DAMAGES! none by me. the place is not a XXXX, but thats how far im willing to vet it. 
once XXXX XXXX  ( could be XXXX or whatever, the property manager, that title which she boasted out ever so proudly! ) her! once she figured out the reason of my call, she attacked me, telling me that she remembered me i can not make this XXXX XXXX please tell me what and whom to come tact next. i am NOT paying for XXXX. i didnt live there. i payed for my stay and dashed once the city water started creeping into the kitchen, in the middle of cooking. next!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I dont understand why you put these negative accounts on my name. I m sure that someone have my personal information. I dont know where they came from
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1100.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting ACT I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Prepaid card

For XXXX my grandmother had given us both a gift card for {$100.00}. We went to several establishments to use the card to assure that the card was through you correctly I created the pin as directed. The card did not work out a few XXXX or XXXX. I called the number on the back of the card. They said they were adjusted and cleared of the errors that were apparently on the card which is weird since it was brand new and they use it again once again a few times, and a few locations the cardigan did not work at a pentatonic customer service customer service on XX/XX/2024. The XXXX said they were gon na send me a brand new card via XXXX XXXX and with my experience XXXX XXXX does not take XXXX to 30 days to get here. I called again they assured me it on its way to get them more time that was on XXXX  Ive had enough.
Product: Debt collection

I sent certified mail on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX Delaware XXXX it was received by XXXX XXXX and I haven't received any return information from them. I also disputed on my consumer report and it's coming back verified with no correct information. Transworld is not able to collect in Texas jurisdiction. I provided proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX and Equifax are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ) XXXX and Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I received an email notice from Firstmark Services ( a division of Nelnet ) on XX/XX/2022, stating that my minimum monthly payment would be reduced by approximately {$50.00}, effective XX/XX/2022. When I checked my account on XX/XX/2022, I noticed no change to my minimum monthly payment amount, so I contacted Firstmark to get things cleared up. I was advised to submit that email to their customer service department, and I would hear back. I submitted the email on XX/XX/2022, and received confirmation of receipt on XX/XX/2022. I heard nothing further from Firstmark. I called the customer service department today, XX/XX/2022, to inquire as to why my minimum monthly payment was not updated to the new, reduced amount. I was informed that the communication only applied to 3 of the 4 notes under that account, despite no indication of that in the notice I received. I requested that Firstmark abide by the notice sent to me, since no notice had been provided of an updated payment amount, and because the notice was unclear and misleading, in direct violation of 15 U.S.C. 1692e. Firstmark refused to take any action. On the call, Firstmark indicated that these kinds of notices ( which are unclear and misleading ) are sent to all consumers upon reamortization, and none of them indicate which notes the new minimum payment applies to. When I asked to get this in writing, Firstmark flatly refused to send such documentation, including refusing to send written communication of their standard practices with regard to notices, and refusing to send me a copy of the recording of the phone call. Eventually, Firstmark walked back that refusal, and as of today, I'm awaiting communication from a representative as to whether or not they'll be able to provide a written statement of the misleading nature of the notice. I've been promised that I will be called back on Thursday, XX/XX/2022, but I have little faith that this will happen, given the lack of communication in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

approx 2 mos ago i contacted synchrony paypal mastercard to inquire about a refund for a return retail item, i was asked do i want to activate my card, i said i did not know my card was not active nor did i request a new card, i was told i should have received an updated-i did not, they said no problem we will replace, it has been replaced twice and is now ok -no charges were ever put on those missing cards, i now have an active card with the same XXXX limit and XXXX   balance as before. The problem is that someone listed the account as closed-it has never been closed nor behind in pymts, i feel the error is that card was only replaced and someone in error has listed it this way. It shows as a closed account on all three bureaus although it is open with the XXXX limit and XXXX  balance which is correct, this has adversely affected my credit report and score. this account is still open with an exceptional pay history and XXXX limit with a XXXX  balance-current card ends in XXXX, i have confirmed this with customer service
Product: Mortgage

This is my 4th complaint about OCWEN mortgage. I figure on the 3rd compliant with your company this would finally resolved the issues. They have decided to raise my escrow account again when my property taxes is less than XXXX a year but want to charge me XXXX a month in escrow for taxes. They was over charging me for years and sent me a refund check for over XXXX in XXXX for their mistakes and now they are starting it over again. My mortgage per the paperwork they sent me was to be XXXX a month but I been paying XXXX. Well last month they raise my mortgage to XXXX which is incorrect and I paid my regular amount of XXXX and now they are showing me late. 
I am at my wits end with this company. I barely understand the representative when I called in due to they are based in another country. They do n't want to assist you just want to make you pay the wrong amount. My bankruptcy is about to be over this month and I feel again they are trying to make me lose my house. I do n't know what to do anymore with this company. Please help!!!
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 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 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. 16815-2 ( 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

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion to provide accurate documentation to prove these accounts belong to me but they have not. I have reached out to the collectors and they themselves can not provide proof so how is Transunion getting their " accurate '' information from. At this moment Transunion is giving me the run around and I am pleading for help from you.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$37000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/XXXX,  XXXX XXXX XXXX, {$3.00}, XX/XX/XXXX, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, Equifax Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, Equifax and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Product: Checking or savings account

EastWest Bank XXXX, CA Branch XXXX XXXX XXXX XXXX  CA XXXX On XX/XX/, and unknow suspect hacked my account via online banking. They made 3 separate wire transfers via online. When I saw the wire transfers via my banking APP, I immediately contacted the bank. 

The bank attempted to reverser the wire transactions but were unsuccessful. 

One transaction was returned from the receiving bank. the other two transactions had no funds to recover from. The total loss was {$33000.00}. The bank did not return the money and refused to acknowledge their responsibility under the ACT. 

The bank 's response was to shift responsibility to the receiving bank. 

They also delayed responding to me after numerous requests. They however finally responded when I mentioned interest was owed due to the delay.
Product: Mortgage

The complaint history all comes from the same mortgage originated ( twice ) XX/XX/2005 AND XX/XX/2005 by Wells Fargo Bank , N.A . In late XXXX XXXX I received a check for approximately {$5400.00} as a refund for the three payments made on a loan modification that was breached by Wells Fargo. We litigated, had three XXXX with " adversary actions '' because XXXX XXXX judges were bribed, and lost the house. 
Along comes this check with an invitation for MEDIATION. Since that time, I have been asked for documentation, they have split my " claims '' into two separate " categories '', I've been told twice that the origination claims are invalid ( XXXX XXXX XXXX XXXX XXXX' ), and then get ANOTHER letter saying they need more time to investigate ( I've got three of those now ). I've submitted TWO SETS OF ADDITIONAL DOCUMENTS. 
The Wells Fargo " XXXX XXXX XXXX XXXX XXXX '' calls and interrogates me as though this was a collection call on a past-due payment!!! They called XXXX! The XXXX XXXX will no longer be tolerated!!! 
As far as I know, no one from XXXX has had any input, but a hearing is " tentatively scheduled '' for either XX/XX/XXXX or XXXX. I had to tell their representative " XXXX XXXX. '' I refuse to speak with another Wells Fargo representative because, quite frankly, they're jerking me around, AGAIN! Please expedite this complaint, and see to it that XXXX really IS involved in examining this case of fraud, forgery, and bribery. 
Thank you. 
XXXX XXXX XXXX An electronic image of my signature shall carry with it the full force and effect as that of the original.
Product: Credit card or prepaid card

I was asked to open a XXXX 's card as a way to earn a percentage off my bill. I agreed, not realizing that the purchase would be put on that card and that I could not pay at the time of purchase. It was a {$120.00} purchase. The card was mailed to my residential address, not my mailing address but because I do not have a mail box in the town of my residence, the card was sent back to the company. I have gone online several times to try to remedy the issue, but can not because I do not have the credit card number to access the account. Starting in XXXX, I began receiving anywhere from XXXX calls a day from a number identified as " SPAM '' by my phone XXXX. I did not answer. These calls continued through XXXX. Daily XXXX calls. Then they diminished at the end of the summer. Then, they began calling my husband who also was concerned that they were spam and did not respond. Yesterday, they called my *uncle* and harassed him. I would LOVE to amend the address issue, but am concerned by the aggressive behavior on the part of this company and do not want to talk with them if I am going to be threatened for trying to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies showing the wrong addresses for me I only have one.
Product: Mortgage

Ever since my husband had his XXXX in XXXX, i have taken over payments. Paid more each month asking for the additional be applied to Principal. Every month they did not and keep putting it in some unapplied account instead and when it reached a full payment would apply it to the next payment due. Also I had to have him file bankrupt due to some unexplainable things before and leading up to his XXXX. Doctor thinking some early signs of XXXX. He stopped making payments in XXXX. I found this out after his XXXX in XXXX and almost lost my house. This never went to bankruptcy, even though the mortgage company insisted it had. They got a notice that XXXX of the parties involved filed for. I borrowed money to catch up the mortgage. Since then, I have paid most months {$1000.00} on a mortgage that payments are {$570.00} asking the additional be applied to principal. XXXX and the check itself and on the billing statement stub that was returned with each check. I have kept my payments up to date and they have applied enormous amounts of Legal fees and other fees. which no one can explain the what the " other fees are '' In XXXX I have sent them a total of {$3700.00}. Check # XXXX for {$1000.00} to apply additional to Principal, which it was not. Check # XXXX for an additional {$1000.00} hoping maybe if i sent only for Principal check they might apply it correctly. They are saying the never received that check had me fax a copy of the returned check from the bank to them, which we did on the XXXX of XXXX. They still have not credited it nor can they tell us anything about it. Then i sent an additional check # XXXX for the XXXX in fees they said we owed. said to apply this to the fees and they would be taken care of. Today i was told we owe {$530.00} in legal and other fees.. still! I am trying to pay ahead so that when taxes go up, I can still afford my mortgage. A lady from legal services talked to me enough to let me know it sounds like they are playing us Come on {$3700.00} total paid in XXXX for an account not late and paid up and extra there is a problem here. we had to file for state of emergency back in XXXX. I need to know where my money is going and stop all these enormous FEES. They are making my life stressful and sleepless. I am having medical issues and concerns over this. we are on the phone monthly with them for over an hour each time and they sy they put funds back appropriately, Next month, nothing changes. I have ALL my cancelled checks from the bank and all our conversations written down and my payments recorded as well as a copy of my payments with the instructions on how to apply them. XXXX statement shows past due but that is because they didn't apply things and stuck things in the unapplied account. at XXXX point they made principal adjustments and took money from my principal that said we were late.?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I completed a CFPB report against XXXX for inaccurate information and reporting on my credit report. The issues still arises. Here is a list of the complaints CFPB Complaint # XXXX ( the " First Complaint '' ) CFPB Complaint # XXXX ( the " Second Complaint '' ) CFPB Complaint # XXXX ( the " Third Complaint '' ) The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the document from XXXX the debt was taken care of XX/XX/2020. The upldated credit report from XX/XX/2020 displays XXXX has reported charge offs for the month of XXXX, XXXX, XXXX, and XXXX of 2020. Which is a direct violation since the charge off was paid XX/XX/2020. The attached credit report and dispute results from experian will display such. Acording to FCRA, the information must be deleted due to its blatent inaccuracy and violation of FCRA 623 ( a ). Legal and monetary rememdies can be obtained under FCRA. The incorrect information has affected me in the home buying process and getting other loans for my business. I have attached my current credit report, dispute details that denied my dispute, and FCRA full law handbook for XXXX 's reference.